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Platinum ® Travel Benefits

With your Platinum Card, every trip becomes a special experience. Discover the travel benefits of your Platinum Card and how you can easily use them.

International Airline Program

As a Platinum Cardmember, you and your Platinum Supplementary Cardmember can enjoy up to 20% off airfares on some of the world's finest airlines. Available when booking through American Express Travel Online or your Platinum Travel & Dining Concierge.

Luggage Free

Luggage Free provides a safe, worldwide, door-to-door shipping service for your luggage, golf clubs, boxes, skis, snowboards, and more. As a Platinum Cardmember, you can take advantage of exclusive benefits.

The American Express Global Lounge Collection®

The American Express Global Lounge Collection offers a peaceful retreat at the airport, with more than 1,400 Airport Lounges in over 650 cities across 140 countries and counting, including the Centurion® Lounge, Plaza Premium Lounges, Priority Pass TM Lounges and more 3 .

The Centurion® Lounge

We invite you to enjoy The Centurion Lounge, a travel experience designed for you. Platinum Cardmembers have unlimited complimentary access to all locations of The Centurion Lounge and may bring up to two (2) companions. Guest access policies may vary internationally by location and are subject to change.

View more lounges from the Global Lounge Collection

• Priority Pass Lounges
• Delta Sky Club Lounges when Flying Delta
• Escape Lounges – The Centurion Studio Partner
• Eurostar Business Premier Lounges
• Lufthansa Lounges
• Airspace Lounges
• Plaza Premium Lounges

Lounge Finder

Escape to the glamour and luxury of beautiful lounges all over the world. We made it easy for you to explore all of our lounges and lounge networks you can visit with your Platinum Card.

American Express Collections

Fine Hotels + Resorts

Enjoy guaranteed 4pm check-out to make the most of every moment, plus enjoy benefits that offer an average value of $600 at 1,500 properties worldwide.

The Hotel Collection

Delight your senses as you book with The Hotel Collection under American Express Travel. Receive a US$100 hotel credit for qualifying dining, spa and resort activities.

Hotel Loyalty Programmes

MeliáRewards Gold

MeliáRewards Gold is a loyalty scheme that rewards our guests at more than 350 hotels and 7 hotel brands worldwide with exclusive benefits.

Marriott Bonvoy™ Gold Elite Status

Experience an elevated travel lifestyle at thousands of extraordinary hotels across 30 brands.

Hilton Honors Gold Status

Enjoy exclusive benefits at any of Hilton’s 6,600+ properties worldwide, such as room upgrades, and an 80% Bonus on all Points earned.

Radisson Rewards Premium Status

Indulge in enhanced, luxury accomodation with complimentary Premium status in the Radisson Rewards program.

We're committed to smoothing your journey every step of the way, including membership to the world’s leading car rental programmes. Your Platinum benefits bring you complimentary car upgrades and valuable discounts. Enrolment is required to enjoy our partner car rental loyalty programmes.

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Experience the Avis Preferred program, and receive complimentary one car-class upgrades and greater savings in over 114 countries.

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Discover convenient travel with Hertz, and enjoy an array of benefits including up to 15% discount off standard rates and a one-car-class upgrade whenever possible at participating locations.

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Cruise Benefits

Explore the world and sail off into the sunset; enjoy up to US$300 in onboard credit when you book with one of our cruise partners through Platinum Travel & Dining Concierge.

American Express Online Travel

American Express Travel is all about choice and flexibility. With a huge selection of great value flights, destinations, hotels and even car hire to choose from, your perfect holiday is just a few clicks away. You can even pay for your travel, including taxes, with your Membership Rewards® points with no booking fee.

Plus earn two Membership Rewards points for every £1 spent on hotel, car hire, and experiences booked online with American Express Travel.*

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American Express Preferred Rewards Platinum Card Review (Amex Platinum Review) – Is Amex Platinum Worth It UK?

March 4, 2020 By Ben @ Thrifty Points 11 Comments

An Overview of the Amex Platinum Card

This is my updated review of the American Express Preferred Rewards Platinum card (Amex Platinum card UK review).  The chances are you’ve stumbled across this page because you’re asking yourself does the £575 pa cost of holding the card really make sense? In this review I’ll delve into the key benefits of the card, run some (hopefully) easy-to-follow cost analysis and answer the question on everyone’s lips – Is Amex Platinum worth it UK?

Let's break this post down...

American Express Platinum Review

Let’s start with the boring stuff. The UK American Express Preferred Rewards Platinum card is issued directly by American Express and is a charge card, not a credit card. For those that don’t know, a charge card needs to be paid in full at the end of each month!

You can hold up to 2 charge cards and 2 credit cards which have been issued by American Express at any one time, although this doesn’t include Amex cards which are provided by the likes of BA, Lloyds, TSB or Barclays. I’d recommend checking your credit rating before applying for a new card. Generally you should have a rating in excess of 700+. Click here  for a free Equifax credit report and score. It’s free for the first 30 days and then £14.95 per month afterwards (make sure you cancel in the first 30 days!).

As you may be aware the Platinum Card recently changed from the bog standard plastic version to the new metal version – setting it aside from the vast majority of other cards in the UK market!

Unlike the A mex Gold card , which is free for the first 12 months, the UK American Express Platinum card comes with an annual fee of £575. This fee is refundable on a pro-rata basis should you wish to cancel. It’s this hefty annual fee that makes this one of the hardest cards to get your head around. So, is the Amex Platinum worth it? …read on to find out why, for some   people, we believe the answer is yes…

The Sign-Up Bonus for the Amex Platinum Card UK

The American Express Preferred Rewards Platinum card offers 30,000 bonus Membership Rewards points when you spend £4,000 in your first 3 months. You can increase your sign-up bonus to 35,000 points by using this referral link and scrolling down to the correct card (as seen highlighted in red below).

Membership Rewards points can be directly converted to Avios and similar points from a number of other partners. If converted to Avios this would be enough for a return flight to Athens from the UK. Alternatively see how I used my American Express Rewards points and the BA 2-4-1 voucher to fly two people First Class to Sao Paulo for free – review here  (Tip: the free First-Class flight review is the most popular page on our website by far and may be worth bookmarking for a later date :)).

You can increase to 35,000, the total number of sign-up bonus Membership Rewards points by using this link .  For those who have read my post about the value of American Express Membership Rewards points ( click here to read ) if converted to Avios, you’ll know that I value the points at roughly £0.01 per point. As such by using this link you’re making in the region of £50. Worth considering and as you’ll see below may go a long way towards offsetting the cost of the card!

What Are the Other Benefits of the Amex Platinum Card?

When you sign up to the Amex Platinum card you and a supplementary cardholder will receive a Priority Pass Card . Priority Pass offers a VIP experience at over 1000 airport lounges with complimentary drinks, refreshments and pre-flight bites (including alcohol!). This could be worth between £50-£250 depending on your travel habits. See how I arrive at this figure below. Have a look at the Plaza Premium Lounge – London Heathrow Terminal 2.

During your time as an Amex Platinum cardholder you’ll receive the following status in various hotel schemes:

• Gold in Hilton Honours
• Gold in Club Carlson
• Jade in Shangri-La Golden Circle
• Gold in Starwood Preferred Guest
• Gold in Melia Rewards  

Travel insurance for you and the rest of the family. Just check the terms and conditions because some elements require you to pay by an American Express card. Also included is free hire-car insurance with no requirement to use the card.

Earn one Membership Rewards point for virtually every £1 spent on the card . These again can be converted to Avios, which if applied to the 35,000 sign-up bonus will help you reach those further-away destinations.

Further benefits of the American Express Platinum card include:

• Free Eurostar Lounge Access when travelling in any class
• Lounge access when flying with Delta
• Room upgrade on arrival (when available)
• Free breakfast for two people
• Noon check-in (when available)
• Guaranteed 4pm check-out
• Note that prices are fixed and as such may be more expensive than booking direct. Always check!
• Complimentary membership to Hertz Gold Plus Rewards
• A £10 Addison Lee taxi credit each month
• $200 cashback on every onefinestay house rental (no limit on the number you can redeem)

Anything Else I Should Know About the Amex Platinum Card?

American Express no longer has a minimum income requirement for the card.

Recent changes to American Express rules now mean that to qualify for the sign up bonus you cannot have held a personal Membership Rewards American Express credit card in the last 24 months – this would include the Green, Gold and Platinum Card.  If you’ve only had the Nectar, Costco, Starwood, British Airways you can still obtain the sign up bonus – learn more about the sign up bonus restrictions and our suggested strategy here .

Finally just a reminder that the American Express Preferred Rewards Platinum card is  not  a credit card and  should  be repaid in full at the end of each month.

Is Amex Platinum UK Worth the £575 pa? – American Express Platinum versus Other Credit Cards

With a whopping £575 annual fee, one would hope that the Amex Platinum benefits far outweigh the cost of the card. One of the main questions I’m regularly asked – Is Amex Platinum worth it UK? To compare the American Express Platinum card against some of its competitors, I thought it would be useful to calculate the monetary value of the various benefits offered by the card.

Now this is not an easy task and is dependent on the individual’s personal circumstances, however hopefully this will provide some indication to allow you to calculate whether the American Express Platinum benefits are truly worth it for the £575 annual fee.

Sign-up Bonus – As I mentioned earlier, you’ll receive a bonus of 30,000 Membership Rewards points when you spend £2,000 in the first 3 months on the Amex Platinum card. This can be increased to 35,000 membership rewards points if you use this link and scrolling down to the correct card.

Now the value of these points will vary depending on what you decide to spend them on. For example if you are to convert to Amazon vouchers you’ll get approximately 0.5p for every reward point you earned with the American Express Platinum card. If you’ve read my post covering the value of an Avios point ( found here ) you’ll know that if transferred to Avios, I expect the value to be in the region of 1p per reward point (1 to 1 conversion rate). As such the sign-up bonus offered on the Amex Platinum credit card could be worth anywhere between £175 and £350 depending on how they’re redeemed (far more than the standard BA Amex card ).

American Express Platinum Travel Insurance – The card offers family travel Insurance. If you’re a single traveller then this reward may not be worth a significant amount however I’ve just run a quick search and the cheapest annual family insurance on similar terms is £223. Not a bad benefit if you have a large family.

Full Car-Hire Insurance – The American Express Platinum card UK offers free car-hire insurance, which for me has relatively limited value as I usually rent cars through work and as such they cover the cost of the insurance. However if you’re inclined to rent a car on every holiday you go on, this could be worth a considerable amount. I’ve had a search online and you can purchase a similar policy for somewhere in the region of £40.

Lounge Access with the Amex Platinum Rewards Card – Now one of my personal favourites is the TWO Priority Passes you get with the card. The perceived value of these will vary depending on how much you travel. For independent flyers who only travel once or twice a year, this is likely to have limited, if any, value. Alternatively if you’re a family of 4, who fly three times a year and like to use lounges, then the Priority Pass cards could be worth anywhere up to £180 (based on 4 guests, 3 times a year at £20 per person per visit). A similar calculation can be undertaken for the Eurostar lounge access.

Finally with the American Express Platinum card you will also gain status with the various hotel schemes listed above. Whilst these of course have a value, it’s slightly more difficult to attribute.  For the purpose of this exercise we’ll say they are nice to have but provide limited value to offset against the £575 cost of the Amex Platinum UK card.

So what have we learned? You’re likely to get better value from the card if you have a family as opposed to being an independent traveller. In this example the family of 4 may benefit somewhere in the region of £793, far outweighing the cost of the American Express Platinum credit card UK. However an individual who rarely flies and would use the points to purchase an item at Amazon may only get £175 of value from the card. As such it would be a bad move for this individual to sign up.

How Do the Amex Platinum UK Benefits Compare with Other Credit Cards?

For the purpose of this exercise, I’m going to compare the Amex Platinum credit card with the American Express Gold card and the British Airways American Express Premium card. Both are cards that I rate highly. Full reviews can be found here – Amex Gold Review / BA Amex Premium Review .

Now you’ll earn significantly more points with the Amex Platinum Rewards card than both comparison cards, and at 1p per Avios this difference is worth between £50 and £200. The difference is even greater if you use this referral link and scrolling down to the correct card to boost the sign-up bonus from 30,000 to 35,000 points. That said, the American Express Gold card ( full review here ) is free for the first year and a ‘mere’ £140 pa thereafter (although I wouldn’t recommend paying for the card). With the Amex Gold card you’ll also receive 2 free lounge passes. Great if you rarely fly, however as seen earlier, the 2 passes of the Platinum American Express can be huge if you’re travelling with a large family.

Now the BA Amex Premium card has one very important benefit and that’s the 2-4-1 voucher. I recently used this to redeem two First-Class flights to Sao Paulo, saving me somewhere in the region of 140,000 Avios. At 1p per Avios, that’s a staggering saving of £1,400 which in my mind put this card way ahead of the American Express Platinum card for couples who already have a significant number of Avios points to use. You can read my full review of the BA Premium Card here or alternatively bookmark our guide to obtaining a free First-Class flight for you and a companion – found here .

Ways to Spend Your Amex Platinum UK Rewards?

In this scenario, we’re going to look at the various ways you can spend both the 30,000 ( 35,000 using this link and scrolling down to the correct card) sign-up bonus and the additional points you’ve accumulated by spending money on the Amex Platinum card.

You could use the 35,000 Membership Rewards points against the balance of your American Express Platinum credit card at a rate of 0.4p per point. This would be a worst-case scenario in my eyes.

If you shop online via the American Express website, you have the option to use reward points. You should note however that merchant rewards generally equate to less than 0.4p and as such you’d be better off putting it on your American Express Platinum credit card and using the points to pay it off. In addition you’ll earn further points on the card spend J!

You can use the points to shop directly on Amazon.co.uk  at a rate of 0.45p or alternatively if you are to purchase an Amazon gift card you’ll receive a rate of 0.5p (as mentioned above). Similarly other retailer gift cards can be redeemed at 0.5p.

Your Membership Rewards points can be used for hotel stays and generally work out relatively favourably at between 0.5p and 1p per stay. Hotel operators include Hilton, Starwood (providing access to the Marriott offering), Club Carlson and Melia.

Finally, and my recommended method, is to convert the points you’ve earned from the Amex Gold card to air miles. You can see how I  value Avios points here , however I estimate the value to be in the region of 0.8p to 1.3p per point.

As highlighted above there are a number of ways you can spend the points you’ve earned with the Amex Platinum UK credit card, with the sign-up bonus of 35,000 worth anywhere between £140 and £350.

Thrifty Point’s Tips to Maximise the Platinum American Express

Whilst I don’t advocate churning cards purely for points, I would highlight that the £575 pa charge for the American Express Platinum card is refundable on a pro-rata basis. As such, once you’ve spent the qualifying amount of £4,000 and have banked the rewards points you’ll be able to recoup a significant proportion of the fee for the Platinum American Express card.

FAQs – American Express Platinum Credit Card UK

How to get the amex platinum card.

Historically the American Platinum card was only available to those with bank balances which could feed a third-world country for a year. Nowadays the prestigious card is not based on salary and available to anyone over the age of 18 with no history of bad debt and a permanent UK home address (according to the American Express website ).

Is the American Express Platinum Card Worth It?

As we’ve seen in the examples above, for a family of 4 the £575 charge for the American Express Platinum card would be more than offset by the various benefits. However if you’re an independent traveller you may be better off with the free American Express Gold Card – full review here .

What Happens if I Already Have the American Express Gold?

For those who already have the American Express Gold card and are thinking to upgrade to the Amex Platinum there are two options. Either cancel the card and wait 24 months to receive the 35,000 reward points sign-up bonus. Or switch your Gold card to the American Express Platinum card and you’ll receive a sign-up bonus of 20,000 reward points.

What’s Amex Platinum Eurostar Lounge access like?

Unlike the Priority Pass, which entitles the cardholder to also invite a guest, the Amex Platinum Eurostar lounge access is unfortunately only for the cardholder.   Only on one occasion out of the last 6 return journeys have I been travelling by myself and in that instance I was running late on one of the journeys.  If you travel on the Eurostar regularly for work then this benefit may have some good value however for me who predominantly travels with Eurostar for leisure it’s been challenging to use!

American Express UK Platinum Credit Card Summary

The sign-up bonus of 30,000 points (35,000 points if you use this specific sign up link and scrolling down to the correct card) for the Amex Platinum credit card is the most generous in the market at the current time.

Is Amex Platinum worth it UK? The £575 annual fee is one of the most expensive in the market, however as we’ve seen from our cost analysis if you are a frequent traveller who would use the various other perks of the card, there is definitely value to be had here. Note you can always cancel for a pro-rata fee refund at any time, useful if you receive your sign-up bonus and find you aren’t making the most of your various other perks. Alternatively if the maths just don’t add up why not try the (free for the first 12 months) American Express Gold Card – reviewed here .

I hope you’ve found the Amex Platinum card review useful and as always please do comment if you have any queries. Please do share this post if you think friends would be interested.

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The Guide to AmEx Platinum Travel Insurance

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Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:

Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.

Baggage insurance: Within 30 days, call 800-228-6855 or online .

Rental car insurance: Within 30 days, call 800-338-1670 or online .

» Learn more: The guide to AmEx Platinum rental car benefits

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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Full List of Travel Insurance Benefits for the Amex Platinum Card [2024]

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Amex Platinum Card Overview

Standard car rental coverage, premium car rental protection coverage, trip cancellation and trip interruption insurance, trip delay reimbursement, baggage insurance, emergency medical transport and evacuation — complimentary coverages, additional medical assistance, other hotline services, filing a claim, final thoughts.

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Frequent travelers who are interested in premium travel benefits and solid reward-earning opportunities gravitate to The Platinum Card ® from American Express . The card, as well as The Business Platinum Card ® from American Express , has been the go-to card for meeting travelers’ earning, redemption, and benefits needs.

We frequently cover Membership Rewards points-earning opportunities , as well as a multitude of ways to maximize the redemption options . We’ve even done a deep dive into getting the most from statement credits offered by Amex cards.

Next up in our collection of articles focusing on the valuable perks that come with the Amex Platinum card is the card’s travel insurance benefits. Insurance can be inherently confusing in general and the insurance coverages that come with credit cards can be equally so.

Fortunately, even a quick overview will give you some insight as to the insurance coverages you can expect on the Amex Platinum card. So, right here and now, we’re stepping up to deliver just that.

Let’s take a look at exactly which insurances come with the card, how these benefits can provide a level of peace of mind, and find out what situations might trigger the coverage to provide economic value.

It’s important to have a little background on the card to put its coverage into context. Here are important card details, including the current welcome bonus and annual fee.

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.

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Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Car Rental Loss and Damage Insurance

The Amex Platinum card comes with complimentary standard car rental insurance that provides secondary coverage when using your card to reserve and pay for your entire rental car contract. You also have the option to purchase premium primary car rental coverage .

For either coverage to be valid, you must decline the rental car agency’s LDW (loss damage waiver) or CDW (collision damage waiver) coverage when renting the vehicle.

Here’s an overview of how both of these coverages work:

Secondary (standard) coverage means that you must first file a claim with any other applicable insurance you might have before the card coverage applies.

You can expect to receive excess secondary coverage for these losses:

• Damage to and theft of the vehicle
• Personal property up to $1,000 per person/$2,000 per accident
• Accidental injury up to $5,000 per claimant
• Accidental death/dismemberment up to $300,000

This is just a snapshot of the standard secondary car rental coverage; several terms and conditions apply. You should access the official guide to benefits or call your benefits administrator for specific information.

One of the real car rental insurance perks of holding the Amex Platinum card is having access to Premium Car Rental Protection coverage for just 1 low fee that covers the entire rental period, not a per-day charge like the rental agency charges.

Although there are some credit cards with primary rental car insurance , the American Express Premium Car Rental Protection coverage, in some circumstances, can provide equal or better coverage and elevated peace of mind. Terms and conditions apply.

Bottom Line: Consider Amex Premium Car Rental Protection if you don’t have a credit card that provides primary car rental insurance. Additionally, if you are renting an expensive vehicle that exceeds your card’s limit of coverage or the maximum length of the rental period on your other card is limited to less than 42 days, the Amex Premium Car Rental Protection could also be a prudent choice. 

Trip cancellation and trip interruption insurance are designed to cover unexpected, unforeseen events that may cause you to have to cancel your trip or that cause a disruption in a trip you’re already started.

To be eligible for coverage, purchase your entire round-trip common carrier ticket with your Amex Platinum card.

American Express has a broad definition of who is covered under this benefit. Eligible travelers can include the cardholder, traveling companion, family member of the eligible traveler, or family member of the traveling companion.

Examples of events that could be covered include the following:

• Bodily Injury or Illness — If you, a traveling companion, or a family member of either, experience an accidental injury or become ill, causing you to cancel your trip, you may have coverage
• Bad Weather — If extreme weather causes your trip to be canceled or disrupted, there could be coverage
• Change in Military Orders —Applies to cardmember and/or spouse (spouse definition includes domestic partner)
• Terrorist action or hijacking
• Jury duty or other qualifying legal obligation
• Uninhabitable dwelling of either the cardmember or traveling companion
• Quarantine imposed by a physician for health reasons

You can expect coverage of up to $10,000 per trip , and a maximum limit of $20,000 per card per 12-month period.

Terms and conditions apply.

Bottom Line: While the trip cancellation/trip interruption benefit covers specifically stated reasons for trip cancellation/interruption, there is no coverage for voluntary cancellations, disruptions due to known events, or for preexisting conditions. Additional terms and conditions can be found in your guide to benefits or call the benefits administrator prior to your trip.

Experiencing a trip delay is inevitable so having coverage for added expenses as a result of that delay could be a welcome economic benefit. To qualify for trip delay coverage, just pay for the full amount of your common carrier round-trip transportation ticket with your Amex Platinum card.

The delay must be for more than 6 hours for you to be eligible for reimbursement for necessary incidentals, meals, and lodging.

Coverage limits are $500 per covered trip and a maximum of up to 2 covered trips in each consecutive 12-month period. Coverage is secondary to other coverage that applies and does not include expenses that are reimbursed by the airline or other entities. Additional terms and conditions also apply.

Losing a checked bag used to be a very common occurrence. With new technology and tracking mechanisms, however, incidents have declined, but they still happen. If you do happen to experience lost bags, however, you can count on the baggage insurance found on the Amex Platinum card.

To activate the coverage , simply pay for your common-carrier fare with your card and/or Membership Rewards points.

Here’s the coverage you can expect for lost luggage:

• Checked Bags — Up to $2,000 per covered person, per trip
• Carry-on Bags — Up to $3,000 per covered person, per trip
• Specialty High-value Items — Up to $1,000 per person, per covered trip ($2,000 for New York residents, maximum $10,000 per trip)
• Combined Limit — The limit for all baggage, including high-risk items, is $3,000 per covered person, per single trip

Checked baggage is covered only while traveling on a common carrier . Carry-on baggage is additionally covered while traveling to , from , and when waiting at the carrier terminal.

Note that the coverage on the card is secondary to any other insurance or reimbursement you might receive from the airline. There is no coverage for delayed baggage , but several other credit cards do offer this coverage .

Premium Global Assist Hotline

While technically not insurance coverage, having access to help when you’re traveling, 24/7, is sure to provide additional peace of mind. The Amex Platinum card offers a premium version of a dedicated helpline that serves as a welcome resource should things go wrong during your travels.

Here are the types of assistance you can expect from the service:

One of the premium services offered on the card is complimentary emergency medical transport or evacuation . If you or a covered family member becomes injured or ill during your travels, you could receive emergency medical transportation or evacuation , if necessary.

You can expect to receive the following services without charge when arranged via the hotline:

• Emergency Transport or Evacuation — Transport to the nearest medical facility or transport from an inadequate medical facility
• Transport of Family Member — Transport may be covered for an adult member to be by the bedside of the cardmember or for the cardmember’s minor child (who had been traveling alone with the cardmember) to be transported back to the U.S.
• Transport of Remains — Amex will pay for the transport of remains back to the U.S.
• Post-Evacuation Assistance — If you’re evacuated and your return ticket back to the U.S. has become invalid, Amex will arrange and pay for transportation back to the U.S.

Please note that the Premium Global Assist Hotline does not cover any medical expenses or emergency transportation services arranged outside of the hotline. Several terms and conditions apply to these coverages.

In addition to the complimentary coverages offered by the hotline, you’ll find these additional medical services:

• Medical Referrals — Receive help finding an English-speaking doctor, a hospital, or other needed medical services
• Prescription Replacement Assistance — Get help with replacing lost or forgotten medications

There is no charge for the referral service but cardmembers are responsible for actual services received from the provider.

• Passport/Visa Assistance — Whether you need help replacing a passport or have a need to contact the U.S. consulate, the hotline can assist
• Emergency Translation Services — Receive over-the-phone services or written language translation assistance
• Legal Referrals — Should you need legal services during your trip, the hotline can help you find local bail bond services that accept Amex or refer you to other legal personnel
• Financial Assistance — The hotline can help you arrange cash wire services, help you check out of your hotel remotely, or assist with lost card situations
• Emergency Message Relay — In the event of an emergency, the hotline can send a message to a family member, friend, or another recipient on your behalf
• Lost Items — Should you lose an item, your baggage gets lost, or other missing possession, the hotline can help track it down
• Trip Planning Services — Access information such as weather, currency exchange rates, passport/visa requirements, customs information, travel warnings, and more

Bottom Line: The Amex Platinum card comes with complimentary emergency transportation and evacuation services with no stated limit. Additional medical, legal, and travel service referrals are also complimentary, but other than the emergency medical transportation and evacuation, services rendered must be paid for by the cardholder. 

As with any insurance claim, you’ll need to report any event as soon as possible, provide supporting documentation, and follow up after the claim has been filed.

You could be expected to submit any, or all, of the following:

• Copies of your common carrier ticket
• Copies of your credit card statement showing the expenses
• Proof of the loss (i.e. a copy of physician’s quarantine order, military orders, etc.)
• Copy of the travel supplier’s cancellation policy
• Any other supporting documentation requested by the claims administrator

Claims must be reported within 60 days but it is best to do it as soon as possible. Once you report the claim, you’ll receive instructions for completing the next steps in the process.

Hot Tip: Be sure to take photos and videos, keep receipts, secure any applicable police report, and hold on to other documentation that might be needed to support your claim. Keep in mind that supporting information can be difficult to obtain after the fact but may be readily secured at the time of the claim. 

While the insurance that comes with the Amex Platinum card won’t take the place of a comprehensive travel insurance policy , you’ll find value in several of the benefits.

Utilizing Premium Car Rental Protection, trip cancellation/interruption, trip delay, and complimentary emergency medical transport or evacuation could save you more than you could imagine in certain circumstances.

Additionally, knowing the coverages you have in advance has tremendous value. You’ll be armed with information to make educated decisions that can protect each aspect of your trip and be better prepared for how you might handle a covered incident during your travels. If you’re looking for other card options, see our article on the best credit cards for travel insurance .

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For the car rental collision damage coverage benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance coverage benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the trip delay insurance benefits of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Platinum Card ® from American Express, you can rely on the Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card members may be responsible for the costs charged by third-party service providers. 

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is the amex platinum card travel insurance any good.

While the insurance that comes on your Amex Platinum card does not replace a comprehensive travel insurance policy, there is value in the coverages that come complimentary on the card.

Benefits such as trip interruption/cancellation/delay insurance and Amex Premium Car Rental Protection can provide economic value by saving you money should something go wrong during your travels.

Having access to the Premium Global Assist Hotline and complimentary emergency medical transport or evacuation could render peace of mind knowing you have the coverage should you need it.

Does the Amex Platinum card cover flight cancellations?

The Amex Platinum card comes with trip cancellation, trip interruption, and trip delay insurance that can cover flight cancellations for only the specific (limited) reasons listed in the terms and conditions.

As with most insurance, the coverage that comes on your card is not meant to cover voluntary flight cancellations.

For these types of cancellations, you would need to purchase Cancel for Any Reason Insurance , which can be added to some comprehensive travel insurance policies.

Does the Amex Platinum card come with primary car rental insurance?

No. The Amex Platinum card comes with complimentary standard secondary car rental insurance, which means you must first file a claim with any other insurance that may apply before the card coverage is valid.

However, the card does offer a unique benefit that allows you to purchase premium primary car rental insurance for 1 low fee that covers the entire rental period.

This coverage is valid for rental periods up to 42 days in length and costs $12.25 to $24.95 per period, depending on the state in which you reside and the coverage limit you select.

Does the Amex Platinum have delayed baggage insurance?

While the Amex Platinum card comes with lost, stolen, or damaged luggage coverage, it does not offer a delayed baggage benefit.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

4 reasons why the Amex Platinum may be the ideal card for Delta flyers

The Platinum Card® from American Express is one of the top earners on airfare purchases .

Beyond earning, though, there are various other reasons why the Amex Platinum Card is a great option for all sorts of air travelers. And it's an especially good option for Delta flyers .

Thanks to Delta's close partnership with Amex , semi-regular travelers on the carrier have more reasons than most to consider adding this card to their wallets. Here's what to know.

Maximize your airfare purchases

As mentioned above, most other cards can't beat the Amex Platinum when it comes to the return you'll get on airfare spending.

The card earns 5 points per dollar on airfare purchases made directly with the airline or through Amex Travel on up to $500,000 spent on these purchases per calendar year (then 1 point per dollar spent). TPG values American Express Membership Rewards at 2 cents apiece, so that's like getting 10% back on your spending.

In the case of Delta specifically, remember that Amex points transfer to Delta SkyMiles instantly on a 1:1 basis. So, earning 5 Membership Rewards points per dollar is like earning 5 Delta SkyMiles per dollar on airfare spending.

That beats what you can earn on Delta purchases with a cobranded Delta credit card .

Related: Why this TPG staffer is chasing Delta elite status

Earn valuable points

Speaking of transfers, the Amex Platinum earns Membership Rewards points that can be converted into miles or points with several different airline frequent flyer and hotel points partner programs.

While you could transfer your Membership Rewards points at a 1:1 ratio to Delta SkyMiles , you don't necessarily have to focus on the program like you would if you were simply earning Delta SkyMiles with one of the airline's cobranded credit cards.

Basically, it's like the best of both worlds — you can still use your Amex points toward Delta awards, but you have many options beyond that.

While Delta might be your preferred airline, having transferable points helps you for a few reasons:

• It gives you numerous options to book airlines and hotels you normally might not have on your radar.
• It protects you from loyalty program devaluations .
• It minimizes the risk against bankruptcies and program suspensions.

Transferable points such as Membership Rewards points could even be a financial safety net for unplanned expenses and emergencies.

As long as you have Membership Rewards, you have Delta miles whenever you need them. But if a different opportunity arises, you're ready for that, too.

Related: Travel is back. Now, points and miles devaluations are (likely) coming

Transfer to Delta and partners

As mentioned, you can instantly transfer the Amex Membership Rewards points you earn with the Amex Platinum (and other eligible cards) to Delta at a 1:1 ratio. This is a great way to top off your Delta SkyMiles balance if you need extra miles for a particular redemption.

American Express is also Delta's exclusive partner for its lineup of cobranded credit cards , so it's a good bet you'll be able to leverage this benefit for years to come.

However, one of the main reasons to accumulate points with Amex rather than just directly with Delta is that you can leverage the power of airline partnerships beyond Delta's SkyMiles program. For instance, you can transfer Membership Rewards points not only to Delta but also to Virgin Atlantic .

As with any transferable currency, you should only transfer when you are confident that there is available award inventory. Transfers only go one way: You can't convert Delta miles back into Amex Membership Rewards points if you change your mind.

Related: 6 Delta SkyMiles sweet spots worth saving up for

Lounge access

Aside from earning, the Amex Platinum has several day-of-travel perks that can save you time and money.

Many Delta loyalists will opt for the airline's top-tier personal card, the Delta SkyMiles® Reserve American Express Card , to access Sky Clubs when flying Delta. The Delta Reserve gets you unlimited Delta Sky Club access when you fly Delta through Jan. 31, 2025; this will be limited to 15 visits per year from Feb. 1, 2025, unless you spend $75,000 on your card in a calendar year.

Conversely, the Amex Platinum still gets you unlimited access to Sky Clubs when flying Delta through Jan. 31, 2025; although, you'll get five fewer visits (10 in total) per year from Feb. 1, 2025, unless you spend $75,000 on your card in a calendar year.

You can also access Centurion Lounges with both cards. The difference is that you'll only get access to them with the Delta Reserve if you are flying Delta and you purchased your ticket with a U.S. Amex-issued card. The Amex Platinum gets you access, regardless of the carrier you fly with.

Finally, there is an up-to- $200 airline fee statement credit per calendar year on the Amex Platinum, which can cover checked bag fees on the airline you select each calendar year.

If you're flying Delta (or another U.S.-based airline) and don't want to shell out for the airline's cobranded card with a checked bag fee perk, you can offset the cost through your Platinum Card. Enrollment is required.

Related: Best credit cards for airport lounge access

A reason to still consider Delta cobranded cards

While the Amex Platinum is an excellent all-around choice for Delta flyers, there's one area where four Delta cobranded cards have the advantage.

If you're working toward Delta Medallion elite status , you can accrue Medallion Qualification Dollars by spending on one of the following cards:

• Delta SkyMiles® Platinum American Express Card and Delta SkyMiles® Platinum Business American Express Card : Earn 1 MQD per $20 spent.
• Delta SkyMiles® Reserve American Express Card and Delta SkyMiles® Reserve Business American Express Card : Earn 1 MQD per $10 spent.

You'll also receive an annual MQD Headstart that gives you 2,500 MQDs automatically deposited each year on all these cards.

Those are benefits that the Amex Platinum can't provide, so if you're dead-set on earning Delta elite status, you might want to consider one of its cobranded offerings.

Bottom line

The Amex Platinum has a hefty $695 annual fee (see rates and fees ), but the cost can be easily justified if you take advantage of the many perks available. The Platinum Card earns our top spot as the best luxury card for Delta flyers thanks to benefits including Sky Club access when flying Delta, earning points that can be transferred to SkyMiles and a useful airline fee credit.

However, if you specifically want to earn MQMs toward elite status through spending and a welcome offer, you'll still want to consider the other Delta cobranded options .

Apply here: The Platinum Card from American Express , or check the CardMatch Tool to see if you've been selected for an elevated welcome offer.

For rates and fees of the Amex Platinum card, click here .

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Is the Amex Business Platinum card worth it?

Amex business platinum card rewards, amex business platinum card benefits, amex business platinum card fees, rates & limit, how the amex business platinum card compares, is the amex business platinum card right for me, how do i apply for the amex business platinum card, faq: amex business platinum card.

Amex Business Platinum Card Review 2024: Is It Worth It?

• The Business Platinum Card® from American Express offers a chance to earn 5x points on travel and rack up points on everyday business spending too.
• Card members can benefit from more than $1,000 in statement credits every year.
• This card does come with an annual fee of $695 ( see rates and fees ).
• You can carry a balance for some charges with the Pay Over Time feature, but not for all.

At first glance, The Business Platinum Card® from American Express comes with a high admission price — its annual fee is almost $700. However, when you dig into the benefits, you find out that it also comes with more than $1,000 in statement credits annually and ample opportunity for earning valuable points. That’s especially true if you book travel for yourself or your employees regularly.

Find out more about this card to decide if it’s right for you in our Amex Business Platinum card review.

We’ll take a look at:

• How you can maximize rewards with this card
• What types of statement credits you can get
• Whether this is a charge card or credit card
• How to apply for the Amex Business Platinum card
• Excellent welcome offer
• Easy to earn points
• Great travel benefits
• No intro APR offer
• Hefty $695 annual fee
• High spending requirement for welcome offer

The Business Platinum Card® from American Express may be worth it for business owners who travel frequently and can take advantage of its premium travel benefits, such as Amex lounge access worldwide. It also comes with high point earnings on select purchases, which makes it a great option for businesses that spend on more than just travel.

However, this American Express card does come with a substantial annual fee of $695. This makes it less appealing for small businesses that don’t usually spend much on travel. In these cases, you may prefer another business credit card better suited to your organization.

Amex Business Platinum pros and cons

• A generous welcome offer
• 5x points on prepaid flights and hotels booked through American Express Travel
• Comprehensive travel benefits including access to Amex lounges worldwide
• Up to $1,400 in credits, including for airline fees, Dell purchases and more
• A high annual fee of $695
• A more complex rewards system that requires careful management and an understanding of your options
• Requires good to excellent credit

Learn more about the Amex Business Platinum card

Terms apply / Rates & fees

As the flagship business rewards card , the Amex Business Platinum offers an excellent rewards structure, especially if you book regular travel for yourself or your staff. 

Welcome offer

You can earn 120,000 Membership Rewards Points when you spend $15,000 in the first three months of holding this card. 

The value of rewards points depends on how and when you redeem them, but the average is around 1 cent per point. That means this welcome offer has a potential value of around $1,200.

Earn Amex Business Platinum rewards

You can earn valuable rewards points outside of the welcome offer too, including:

• 5x points when you book prepaid flights and hotel stays through American Express Travel
• 1.5x points on certain business expenses, such as electronic goods, construction and hardware expenses, software subscriptions and expenses and shipping
• 1.5x points on any purchase of $5,000 or more
• 1x points on all other purchases

Redeem Amex Business Platinum reward points

You can redeem Amex Platinum Business card rewards in a variety of ways, providing flexibility on how you use these perks. 

Some options include:

• Booking travel.  When you use your rewards to book through American Express Travel, you typically get the most value per point.
• Transferring points. Amex lets you transfer points to hotel and airline rewards programs, including Delta, Marriott Bonvoy and Virgin Atlantic. You need at least 500 points to transfer and must transfer in increments of 250 points.
• Shopping.  You can use your points to purchase gift cards and merchandise.
• Receiving a statement credit. Request a conversion to cash back and get a statement credit using your points.
• Donating to charity. In some cases, you can redeem points for charity donations—a benefit that could help with goodwill for your business. 

In addition to a pretty strong rewards structure, the American Express Business Platinum card offers some great benefits for business card members . 

Travel benefits

Amex is known for its travel cards , and the Amex Business Platinum is no exception.

Some travel benefits you can get with this card include:

• American Express Global Lounge Collection.  Platinum cardholders get access to Amex lounges across the globe, making business travel more enjoyable. 
• Marriott Bonvoy Gold Elite status. You can leverage our card membership status to upgrade to Elite status with this hotel rewards program without meeting stay requirements. That can help you earn free nights and other perks faster. 
• Hilton Honors Gold status.  Not a Marriott Bonvoy member? That’s okay because you get a similar benefit with Hilton’s hotel rewards program. 
• Fine Hotels & Resorts program.  When booking luxury and other hotel stays through American Express Travel, you can get hundreds of dollars in perks and upgrades, making any stay more enjoyable. 
• Travel insurance. By paying for travel expenses with your Amex Platinum Business card, you get automatic Amex travel coverage that helps mitigate losses due to delayed or canceled trips, interruptions during travel, damage to rental cards or lost or delayed baggage.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

Statement credits

The Amex Business Platinum card comes with a bevy of statement perks every year to help your business save money. 

Options include:

• Indeed statement credit. You can get up to $90 back each quarter on purchases you make with Indeed as you work to round out your staff. This credit opportunity is through December 2024.
• Dell statement credit.  Through December 2024, you can earn up to $400 on purchases with Dell in the United States. You can earn up to $200 semi-annually.
• Adobe statement credit.  If you use your Amex Platinum Business card to pay for an auto-renewing Adobe subscription, you can get up to $150 back in statement credits per year.
• Wireless services statement credit. You can get up to $120 back per year when you use your Business Platinum card to pay for services with a U.S.-based wireless phone carrier. 
• Airline fee credit.  You can get up to $200 in credits on airline fees, including baggage fees. You’ll need to choose one airline and spend with that airline to get these perks.
• CLEAR plus credit.  Earn up to $189 back on CLEAR Plus membership annually when you pay with this card.
• Global Entry or TSA PreCheck credit.  Get up to $100 in statement credit every 4.5 years to help cover the cost of either Global Entry or TSA Precheck .

Shopping protections

Using your Amex Business Platinum to make purchases for your company ensures you’re backed by numerous shopping protections.

These protections include:

• Extended warranty. When you use this card to purchase items that have a manufacturer’s warranty of five years or less, you get extended coverage for up to one year. That means if your business laptop, printer, copy machine, or other covered item breaks right after the manufacturer’s warranty is up — as often happens — you’re still covered. 
• Purchase protection. Use your Amex card to purchase items and get peace of mind knowing you can get reimbursed for losses if the item is damaged in an accident or stolen. This coverage is good for up to $10,000 per incident and a total benefit of $50,000 per year.
• Return protection.  If you can’t return your item to a vendor, you may be able to return it directly to Amex and get a refund. 
• Cell phone protection.  Amex coverage will reimburse you for replacement or repair of a damaged cell phone up to $800 total minus a $50 deductible. You can use this benefit up to two times annually as long as you are paying your cell phone bill with your Amex card.

So far, the Amex Business Platinum is stacking up to sound like a great option. But you need to understand the fee structure to know if all those rewards and statement credit opportunities actually end up profiting your business. 

Business Platinum Card from American Express fees

With Amex, huge perks and rewards usually come at a price, and that’s true with this card. The annual fee is $695. However, you can add up to 99 employee cards at no additional fee, and spending on those cards also earns rewards ( see rates and fees ).

Other fees you may pay with this credit card include:

• $39 or 2.99% of any past due balance when you make a late payment, whichever is greater
• $39 if your payment is ever returned

You won’t pay foreign transaction fees if you make purchases outside of the United States.

Business Platinum Card from American Express interest rates

With this card, Amex offers a Pay Over Time feature that lets you carry a balance over time at an APR of 19.49% to 27.49% variable, depending on your creditworthiness. This feature is only available on certain purchases and is limited by a Pay Over Time Limit, which works similarly to a credit limit. 

If you make late payments, you may be assessed a penalty APR of 29.99% variable for 12 billing cycles. The penalty APR applies if you make two or more late payments within 12 months, you have a returned payment or you fail to make a minimum payment at all within an entire statement cycle. 

Business Platinum Card from American Express credit limit

This card doesn’t come with a preset spending limit. The amount you can spend at any one time depends on your credit history and your management of American Express credit card accounts, including this one. As you demonstrate responsible account management, you can typically increase your credit limit . 

Note that the Pay Over Time benefit does come with a limit. This limit might also change as you demonstrate a responsible payment history. You can call Amex to discuss your limits and how much you would like to be able to spend.

While it’s one of the most costly when it comes to an annual fee, the Amex Business Platinum is among the top business rewards cards on the market. It offers plenty of statement credits, rewards opportunities and card member perks, and you may find that you get more benefits from this card than others.

The Business Platinum Card from American Express vs. American Express® Business Gold Card

For businesses that can’t maximize Platinum card perks, an American Express Business Gold Card might be a better option. The annual fee for this card is only $375 ( see rates and fees ), and you earn 4x points on two spending categories you select, 3x points on flights and hotels booked through American Express Travel and 1x points on other purchases. You can also get a welcome offer of 70,000 bonus points when you spend $10,000 in the first three months.

It’s worth noting that you can only earn 4x points in your selected categories on a total of $150,000 in spending annually. After that, spending in those categories earns 1x points. 

While the Business Gold card doesn’t offer quite the same level of perks and statement credits that the Platinum card does, you can still earn $155 in Walmart+ credit and $20 monthly credits for eligible business expenses. 

The Business Gold card also utilizes Pay Over Time features, and the rates and fee structures on this card are the same as they are for the Platinum card. 

Read our full Amex Business Gold card review

The Amex Business Platinum card holds a lot of enticing benefits, but it’s best for businesses that have higher spending budgets. If you’re only spending a few thousand each month, you probably won’t maximize the rewards and perks on this card, making that $695 annual fee a financial albatross.

Explore these alternatives if you’re not convinced the Amex Business Platinum card if the right fit for you.

• Capital One Spark business cards
• Chase business cards

You can learn more about the Amex Business Platinum card and apply online. The application typically only takes a few minutes and requires information such as your full name, Social Security or tax ID number, business name, address and contact information, and some basic information about your business revenue or finances. In some cases, Amex might ask for more information, and you may need to provide documents like tax paperwork or checking account statements.

This card requires good or excellent credit . People with credit scores of 700 or higher have the best chance of being approved for this card, but other factors, such as income and overall credit history, are factors in approval.

What credit score do you need for an American Express Business Platinum Card?

You need good or excellent credit to get approved for this card, and a higher score improves your chances. Look to apply for this card if you have a score of 700 or higher. If your score is lower, you may want to consider other options.

How much does the American Express Business Platinum Card cost each year?

The annual fee on this card is $695. However, if you maximize statement credit and rewards opportunities, you can balance out that cost and end up earning with this card.

Can you carry a balance on Amex Business Platinum?

Yes, you can carry some balances forward using the Pay Over Time feature. You must pay other balances off every statement cycle.

How do you redeem American Express Platinum points?

You can redeem American Express points earned with the Platinum card on travel, as statement credits or for various other purchases, including gift cards. Redeem points for travel via American Express Travel or by transferring the points to a hotel or airline loyalty rewards program that participates with Amex.

What type of business do I need to get an American Express Business Platinum Card?

Amex accepts applications from all types of business owners. You can apply as a sole proprietor even if you are the only employee of your business, for example. Whether you are approved has less to do with your business type and more to do with your credit history, business income and ability to make your statement payments.

What airport lounges do I have access to with my American Express Business Platinum Card?

Card members can access more than 1,400 airport lounges across the globe. That includes Aspire, Escape, Plaza Premium, Delta Sky Club and Priority Pass lounges. Some lounges require you to enroll in a program or be flying a certain airline that day.

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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