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The Platinum Card®
Score Needed: Good to Excellent
The Platinum Card®
At a glance
Welcome Offer

The Platinum Card® from American Express.

New Offer: 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.

Limited Time Offer
New Offer
All time high
Rewards

5X Membership Rewards® points on up to $500,000 per calendar year on flights booked directly with airlines or with American Express Travel via AmexTravel.com

5X Membership Rewards® points on up to $500,000 per calendar year on flights booked directly with airlines or with American Express Travel via AmexTravel.com

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Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
See Pay Over Time APR
Annual Fee
$695
The Platinum Card®

Unlock unparalleled travel rewards with The Platinum Card® from American Express. Earn 5X Membership Rewards® Points on flights booked directly with airlines or Amex Travel, up to $500,000 per year, and on prepaid hotels through Amex Travel. Enjoy exclusive benefits with top airline and hotel loyalty programs, including Virgin Atlantic, Singapore Airlines, Marriott Bonvoy, and more.

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase
Credit Inquires
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For existing Amex cardholders — Amex does not pull your credit for new credit card applications.
Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time
Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.
Downgrade Options
Getting your card
Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days
Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
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Credits

$300 Equinox Credit

Get up to $300 in statement credits each year when you pay for an Equinox+ digital subscription with live and on-demand classes, or an Equinox club membership (subject to auto-renewal) with your Platinum Card®.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides credits for Equinox memberships. Eligibility and Benefit level varies by Card.

Credits

$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 Card or any of the Additional Cards on your Platinum Card account.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides credits for incidental fees charged by airlines. Eligibility and Benefit level varies by Card.

Credits

$199 CLEAR® Plus Credit

CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus membership with up to $199 in statement credits per calendar year after you pay for CLEAR Plus with your Platinum Card®.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides credits for CLEAR Plus membership. Eligibility and Benefit level varies by Card.

Credits

$155 Walmart+ Credit

A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart, free same-day delivery of groceries from store (where available, subject to order minimum), & more. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit for up to $12.95 (plus applicable taxes) that covers the full cost (excluding any Plus Up Benefits) each month.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides credits for Walmart+ membership. Eligibility and Benefit level varies by Card.

Trip Delay Insurance

Trip Delay Insurance

Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your eligible Card on or after January 1, 2020, and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same eligible Card, up to $500 per trip, maximum 2 claims per eligible Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation Insurance

Trip Cancellation and Interruption

Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your eligible Card on or after January 1, 2020, and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to $10,000 per trip and up to $20,000 per eligible Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Hotel Collection

The Hotel Collection

Delight your senses when you book The Hotel Collection with American Express Travel. Get a $100 experience credit for qualifying activities like dining or spa treatments. Minimum 2-night stay required to be eligible for the benefit. Experience credits vary by property.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides benefits at participating hotels. Eligibility and Benefit level varies by Card.

Lounge Access

The Global Lounge Collection®

The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,300 airport lounges across 140 countries and counting, you have more lounge options than any other credit card on the market. As of 8/2020

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides access to airport lounges worldwide. Eligibility and Benefit level varies by Card.

Return Protection

Return Protection

With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase.

With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

Priority Boarding

Preferred Access

With Preferred Seating, you will have access to premium seats for select cultural and sporting events, based on availability. For more information, please visit americanexpress.com/entertainment.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides access to select events and experiences. Eligibility and Benefit level varies by Card.

Upgraded Statuses

Marriott Bonvoy Gold Elite Status

With Marriott Bonvoy Gold Elite status, you can receive upgrades to enhanced rooms upon check-in when available.

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

Upgraded Statuses

Hilton Honors Gold Status

As a Platinum Card Member, enroll to receive complimentary Hilton Honors Gold Status.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides Gold status in the Hilton Honors program. Eligibility and Benefit level varies by Card.

Lounge Access

Global Dining Access by Resy

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.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides access to exclusive dining experiences and reservations. Eligibility and Benefit level varies by Card.

Hotel Collection

Fine Hotels + Resorts® Program

Your experience is everything — so create new memories with exceptional value. Explore over 1,500 properties worldwide and bask in benefits. When you book Fine Hotels + Resorts®‡ through American Express Travel, you can receive a suite of benefits with an average total value of $6008 in perks.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides exclusive benefits at over 1,000 properties worldwide. Eligibility and Benefit level varies by Card.

Extra Redemption Value

Car Rental Privileges

Enjoy complimentary membership in premium car rental programs, including special upgrades and discounts.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides access to exclusive car rental privileges. Eligibility and Benefit level varies by Card.

Auto CDW Insurance

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

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. Please 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.

Extra Redemption Value

By Invitation Only®

Your Platinum Card® is your key to specially curated By Invitation Only® experiences. We customize once-in-a-lifetime events exclusively for our Platinum and Centurion Card Members, including Additional Centurion Cards. RSVP is required.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides access to exclusive events. Eligibility and Benefit level varies by Card.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your American Express Membership Rewards to any of the following American Express Travel Partners.
Points Transfer Partners
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Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?
No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.
What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?
You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.
I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?
For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.