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01 · overview

The Platinum Card

175,000 points welcome · 5x on airlines · $895/yr

The Platinum Card
Annual fee
$895
Per year
Sign up bonus
175K pts
After $12,000 in 6 mo · ≈ $2,100
Credits
$2,048
11 credits
Median FICO
754
Approved
Median income
$145,000
Approved
Welcome bonus
175K pts
After $12,000 in 6 mo · ≈ $2,100
Apply nowApply with referral
02 · earn & credits

Earn rates & credits

Earn rates
CategoryRate
Airlines
Booked directly with airlines or through Amex Travel, up to $500,000 per calendar year
5x
Hotels (via Portal)
Prepaid hotels booked on AmexTravel.com
5x
Everything Else
1x
Estimated value: 1.2¢/point
Statement credits
CreditValue
Uber Cash
$15/month in Uber Cash for Uber Eats or rides ($20 in December)
$15 /mo
Airline Fee Credit
Select one qualifying airline per year for incidental fee credits like baggage and seat upgrades
$200 /yr
Hotel Credit
Statement credits on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel
$200 /yr
Uber One Credit
Up to $10/month back on an auto-renewing Uber One membership
$10 /mo
Digital Entertainment Credit
$20/month toward select streaming subscriptions: Disney Bundle, Peacock, NYT, Audible, SiriusXM
$20 /mo
CLEAR Plus Credit
Statement credit for CLEAR Plus airport security membership
$209 /yr
Walmart+ Credit
Monthly credit covering Walmart+ membership ($12.95/month)
$13 /mo
Saks Fifth Avenue Credit
$50 semiannually (Jan–Jun and Jul–Dec) at Saks Fifth Avenue
$50 / 6 mo
Global Entry / TSA PreCheck Credit
Up to $120 statement credit for Global Entry or TSA PreCheck application fee
$120 every 5 yr
Equinox Credit
$25/month toward an Equinox gym membership
$25 /mo
Lululemon Credit
$75 per quarter toward purchases at Lululemon
$75 /qtr
Total annual value$2,048
03 · approval odds

Approval odds

n = 10 · 9 approved · 1 denied
Median FICO
754
Median income
$145,000
Credit history
8 yrs
Approval rate by FICO score
790+100%
760–789100%
730–759100%
700–7290%
670–699no data
< 670no data
ApprovedDenied
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04 · news

In the news