Earn rates, as stated
5XFlights booked directly with airlines or through American Express Travel (up to $500,000 per calendar year)Issuer wording: 5X Membership Rewards points
5XPrepaid hotels booked through Amex TravelIssuer wording: 5X Membership Rewards points
Credits, as stated
$3,114 / yr if fully usedHotel Credit (Fine Hotels + Resorts / The Hotel Collection, prepaid via Amex Travel)$600/year (up to $300 back in statement credits)semi-annual
Resy Dining Credit$400/year (up to $100 in statement credits)quarterly
Digital Entertainment Credit$300/year (up to $25 in statement credits)monthly
lululemon Credit$300/year (up to $75 back in statement credits)quarterly
Uber One Membership Creditup to $120annual
OURA Ring Creditup to $200annual
CLEAR+ Creditup to $209annual
Fee Credit for Global Entry or TSA PreCheckGlobal Entry $120 every 4 years, or TSA PreCheck up to $85 every 4.5 yearsevery 4-4.5 years
Uber Cashup to $200/year ($15 in Uber Cash each month, plus a bonus $20 in December)monthly
Airline Fee Creditup to $200annual
Saks Fifth Avenue Credit$100/year (up to $50 in statement credits)semi-annual
Walmart+ Monthly Membership Creditup to $12.95monthly
Equinox Creditup to $300annual
Premium Hotel Status (Leaders Club Sterling Status, The Leading Hotels of the World)non-monetary status benefitongoing/enrollment
Platinum Nights by Resynon-monetary access benefitongoing/enrollment
Global Lounge Collection (1,550+ airport lounges, 30 Centurion Lounges, 10 complimentary Delta Sky Club visits/year, Priority Pass Select)non-monetary access benefitongoing
Welcome offer, as stated by the issuer
Not shown here — the issuer's public page didn't state one we could read, or it's personalised. Check the issuer directly.
- Welcome offer could not be confirmed as a single stated figure from a fetched americanexpress.com page: the marketing page (amex.com/us/credit-cards/card/platinum/) and the terms/conditions pages (apply.americanexpress.com terms URLs) did not return readable welcome-offer text via WebFetch (JS-rendered / title-only content). Third-party and search-snippet sources cited conflicting/personalized figures (e.g. 175,000 points for $8,000 spend in 6 months vs. 175,000 points for $12,000 spend in 6 months), consistent with Amex's disclosed practice that welcome offers are personalized/variable by applicant. Per instructions, welcomeOffer.summary is set to null rather than guessed.
- Earn rate for 'all other purchases' (commonly cited elsewhere as 1X Membership Rewards point per dollar) could not be confirmed via WebFetch of an americanexpress.com page fetched today — the marketing page and the official U.S. Consumer Platinum Card Fact Sheet (PDF, dated 9/16/2025, effective 9/18/2025 benefits) only stated the 5X flight and 5X prepaid-hotel rates. This field is therefore omitted from earnRates rather than invented.
- Global Lounge Collection annual value (cited elsewhere as '$850+ in value') appeared in one WebFetch pass of the marketing page but was not present in the fact-sheet PDF fetch; listed here as a non-monetary access benefit without a dollar figure to avoid citing an unconfirmed number consistently across sources.
- Annual fee ($895) is confirmed both by the americanexpress.com credit-intel article (fetched today) and the official Amex U.S. Consumer Platinum Card Fact Sheet PDF (issuer press-kit document, dated 9/16/2025), which also lists 'Rates and fees' as footnote 1 for that figure.
- Credits list and cadences are taken from the official Amex press-kit Fact Sheet PDF (effective September 18, 2025 benefit refresh) plus the marketing page for Global Lounge Collection description; all values described there as 'up to' statement credits, not guaranteed amounts.
- transferPartners confirmed true via americanexpress.com FAQ page fetched today, which states Membership Rewards points can be transferred into frequent flyer or hotel guest programs — this FAQ is generic to the Membership Rewards program (not Platinum-card-specific), but the Platinum Card earns Membership Rewards points per the fact sheet, so this applies.