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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The Platinum Card® from American Express

One of the most premium travel rewards cards out there, with access to the famed Centurion Lounges at airports, tons of statement credit offers, and tons of other great perks. Terms Apply.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The Platinum Card® from American Express

One of the most premium travel rewards cards out there, with access to the famed Centurion Lounges at airports, tons of statement credit offers, and tons of other great perks. Terms Apply.

BONUS 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. Terms apply.

💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd

Key facts

The Amex Platinum is perhaps the most luxurious travel credit card out there. While the annual fee on the card may raise an eyebrow or two, we’ll go over how to maximize the card’s many travel and lifestyle benefits.

Annual Fee:

$695 (Rates and fees)

AVG Point Value:

$0.017 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

See Pay Over Time APR

Foreign Transaction Fee:

0%

The Amex Platinum has numerous statement credits, access to airport lounges, hotel elite status, and other perks, ensuring cardmembers can still get considerable value from a high annual fee. Far from just a status symbol, this is a must-have card for those looking to up their travel game.

Get a 40% transfer bonus when you transfer American Express Membership Rewards to Hilton.

** For personal Amex Platinum cardholders only **

Platinum Card® Members get 40% more Hilton Honors™ Points when you transfer Membership Rewards® points through from May 9 to May 31. Offer is only available to current Platinum Card Members on a Platinum Account opened on or before April 20, 2024. Terms apply.

Please note: This transfer bonus is part of the American Express 40th Birthday celebration for The Platinum Card® from American Express. Only personal U.S. Platinum Card® cardholders are eligible. It seems that those holding personal Platinum cards like the Schwab Platinum Card are elso eligible – however, many people that are eligible are not seeing the offer in their account so make sure you see the 40% bonus before transfering!

While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since announcing that SLH hotels will be fully integrated into Hilton Honors (See Dave’s recent musing about his thinking on how Hilton points may be becoming more valuable). And as long as you have at least the lowest tier Hilton status, the 5th night is free on any award and resort fees are also waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are average, with a 5th night free award you can definitely do well transfering 1,000 Amex points for 2,800 Hilton Honors points.

Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transfering.

 

Offer expires on May 31, 2024
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Get a 20% transfer bonus when you transfer American Express Membership Rewards to Aeromexico Rewards.

Here’s an interesting one. Aeromexico Rewards points are worth *roughly* 0.75 cents each but with a wide range of ways to redeem.

Normally, you get 1.6 Aeromexico points for 1 Membership Rewards points so that bumps to 1,920 Aeromexico for 1,000 Amex under this ptomotion – so almost 2.1.

Aeromexico uses a range of redemption options including standard fixed awards and flexible awards – and you’ll see what’s available by searching and that does not require an account.

The last Aeromexico transfer bonus was in 2019, so these are pretty rare – though 20% isn’t a total game changer.

You can search here (use Google Translate in your browser if available as it’s in Spanish) to check possible redemptions.

Importantly, note the Aeromexico Rewards cancellation policy which is that, well, you can’t cancel it. You can change it, though.

Award Ticket may not be cancelled or reimbursed. If the Member decides not to use the Award Ticket and does not have a flight date scheduled, their Award Ticket will be open for a future flight on the same route, season and cabin.

The Award Ticket will be open for 1 (one) year after the original issuing date, so the trip must be completed within said validity period. Route or cabin changes are not applicable to new Award Tickets. However, there might be a tax and Premier Point difference between the original Award Ticket and the new one. Said difference must be covered when the new Award Ticket is issued. The issuing of the new Award Ticket is subject to seat availability on the desired flight.

Offer expires on May 31, 2024
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Reward multipliers

You’ll earn a generous 5X points on flights booked directly with the airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year). Plus, you’ll earn 5X prepaid hotels booked with Amex Travel. You’ll probably want to avoid using the card for other categories though, as you’ll just earn 1X on all other eligible purchases.

Earns bonus points for spend in the following bonus categories:

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

5x
Airfare

Estimated Rewards Value: 8.5%

Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

5x
Hotels

Estimated Rewards Value: 8.5%

1x
Everything Else

Estimated Rewards Value: 1.7%

Key features

1

Unique Card Benefits

Amex Fine Hotels + Resorts

Platinum cardholders get access to Amex Fine Hotels + Resorts (FHR), an elite status-like program providing hotel benefits like complimentary breakfast for two, noon check-in when available, a guaranteed 4:00 p.m. late checkout, free Wi-Fi, room upgrades when available and a benefit specific to each hotel worth at least $100. Each calendar year, cardholders get up to $200 back in statement credits with Amex FHR.

Global Dining Access by Resy

Platinum cardholders get Global Dining Access by Resy, a benefit designed to allow members to eat out at sought-after restaurants around the world. This includes exclusive reservations through the Resy app and priority notifications for reservation slots at over 9,000 restaurants.

American Express International Airline Program

With the American Express International Airline Program (IAP), Platinum cardholders have access to exclusive first class, business class, and premium economy fares with participating carriers. You’ll need to be logged in to your American Express Platinum card account and book through the Amex Travel portal.

Uber VIP Status

Uber VIP is an elite-like program for Amex Platinum cardmembers. Riders can utilize highly-rated drivers and receive superior service and better vehicles.

2

Airport Lounge Access

The Platinum card comes with access to the Global Lounge Collection, American Express’s network of over 1,400 lounges at select airports across 140 countries, the largest of any issuer. This includes Amex’s proprietary Centurion Lounges and Centurion Studio partner locations (formerly Escape Lounges).

All primary American Express Platinum cardholders, as well as authorized users, get complimentary access to Centurion Lounge within three hours of a departing flight (or during layovers). In addition, cardholders receive a Priority Pass membership, access to Airspace lounges, Plaza Premium lounges and Delta Sky Clubs (when traveling on same-day Delta flights).

Note that only Priority Pass, Airspace Lounges, and Plaza Premium lounges allow for you and up to 2 guests. Centurion Lounges are for you only, unless you either pay a $50 per visit fee per guest or spend $75,000 on your Platinum card in the previous calendar year. Delta SkyClubs require a per guest fee of $50.

3

Annual Statement Credits

Platinum card members receive a suite of at least 10 statement credits — four are yearly, four are monthly, one is biannual and one is every 4.5 years. Let’s go over a quick rundown of what these benefits entail:

  • $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.
  • Up to $100 in annual Saks Fifth Avenue shopping credits per year ($50 January-June and $50 July-December) as statement credits (Enrollment required)
  • Up to $200 in annual airline fee credits (as statement credits) for your chosen airline (Enrollment required)
  • $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)
  • Up to $200 Hotel Credit as statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with a two night minimum stay with American Express Travel .  (Enrollment Required)
  • $189 CLEAR® Plus Credit: Get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card® (Enrollment Required)
  • $300 Equinox Credit: Receive up to $300 back per calendar year in statement credits for purchases at Equinox. Valid for Equinox All Access, Destination, or E by Equinox membership fees, or for Equinox+. (Enrollment required)
  • $300 statement credit when you purchase a SoulCycle At-Home Bike, up to 15x per calendar year. An Equinox+ membership 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)
  • $155 Walmart+ Credit: The cost of a $12.95 monthly Walmart+ membership is covered 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 Ups are excluded.)

(All above offers require enrollment after you receive the card.)

Even though there is a ton of potential overall value for the card, to really maximize the perks, keep track of all of your credits — and put them to use at the appropriate time. Of course, in some cases, it won’t make sense to use a Platinum card benefit if you weren’t going to be spending on that item or service already anyway.

4

Grants Hotel Status

Those with the American Express Platinum card get complimentary access to Hilton Honors Gold and Marriott Bonvoy Gold elite statuses. After enrolling for these perks, you’ll enjoy status without needing to meet usual stay or spend requirements.

Benefits may include additional points on paid stays, room upgrades, late checkout, and with Hilton, breakfast or a daily food and beverage credit.

5

Grants Car Rental Status

With the American Express Platinum card, you’ll get some great perks if you rent cars with any frequency.

This includes Hertz Gold Plus Rewards Rewards President’s Circle, Avis Preferred Plus and National Emerald Club Executive Elite elite statuses. At many rental locations, you’ll be able to get to choose from a wide selection of cars on the lot, be eligible for upgrades, and more.

Enrollment required. Terms Apply.

6

Earns Transferable Points

American Express Platinum cardholders earn valuable Membership Rewards points. There are a number of ways to redeem Membership Rewards points, including directly through Amex Travel, statement credits, gift cards, donations to charity, etc.

However, transferring your points to the right airline or hotel program is usually the best way to maximize your Membership Rewards points‘ value. Point transfers are instant to a majority of the 18 airline and three hotel partners. Here is the full list of transfer partners and their respective transfer ratio:

American Express Membership Rewards Transfer Partners
Transfer RatioApproximate Transfer Time *
Aeromexico1:1.6 (1,000 Amex = 1,600 Aeromexico)~4-7 days
Aer Lingus1:1Instant
Air Canada Aeroplan1:1Instant
Air France Flying Blue1:1Instant
ANA1 : 1 (transfers only from Amex and Marriott)~2-3 days
Avianca1:1Instant
British Airways Avios1:1Instant
Cathay Pacific Asia Miles1:1~1-2 days
Delta1:1 (subject to excise tax)Instant
Emirates1:1Instant
Etihad Guest1:1Instant
Hawaiian Airlines1:1 (transfers only from Amex and Marriott; subject to excise tax)Instant
Iberia Avios1:1~1-2 days
JetBlue TrueBlue250 : 200 (subject to excise tax)Instant
Qantas1:1Instant
Qatar Airways Avios1:1Instant
Singapore Airlines KrisFlyer1:1~ 1-2 days
Virgin Atlantic1:1Instant
Choice Hotels1:1Instant
Hilton1:2 (frequent transfer bonuses - look for a better ratio if considering)Instant
Marriott1:1Instant

Note: For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0006 per point, with a maximum fee of $99, will be charged to your Card account.

7

Global Entry / TSA PreCheck Reimbursement

Up to $100 in statement credits for either TSA PreCheck or Global Entry once every 4 to 4.5 years.

Terms apply.

8

Trip Protections

Trip Interruption / Cancellation

If you end up needing to cancel or interrupt your trip because of a covered reason, you may be eligible for reimbursement. 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.

Trip Delay Insurance

Trip delayed and not just a little?

You’ll be covered for 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.

Baggage Insurance

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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

9

Secondary Car Rental CDW Waiver

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.

10

Extended Warranty

When an American Express Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty.

Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.
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.

11

Purchase Protection

Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date.

The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits 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.

12

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. 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.

13

Cell Phone Protection

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 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.

14

Has No Preset Spending Limit

No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. Keep in mind you must still pay your bill in full each month or be subject to fees.

15

Concierge Services

American Express offers a travel and lifestyle concierge service, providing personalized assistance to select premium cardholders. This is only available over the phone, by calling the number on the back of your Platinum card.

16

Metal Card

The American Express Platinum card is metal and weights approximately 18.5 grams.

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Pros & cons

  • A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
  • There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
  • One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).
  • High annual fee that will require a bit of work to fully maximize.
  • Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
  • Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.

The Platinum Card® from American Express

Learn How to Apply Rates and fees

Our review

In many ways, the American Express Platinum card is the crème de la crème of premium travel rewards credit cards. There are not only a laundry list of embedded perks — from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection — but this card also can provide serious value in the form of statement credits with partner merchants. You can see the full list of benefits above.

Truth be told, it may require some work to fully maximize the card’s many perks but it shouldn’t be difficult to recoup at least some, if not all, of the card’s $695 annual fee (Rates and Fees).

An overhaul of the Platinum in 2021 showed Amex wanted to expand this card well beyond travel. While it’s unlikely the Platinum will ever fully shed its decades-long roots in the travel sphere, Amex also hopes to play a role at the top of your wallet whether you are at home or away.

Of course, on the travel front, the card still earns 5X on airfare purchased directly with the airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year), 5X on prepaid hotels, provides the most access to lounges of any card issuer, and has built-in travel protections and elite-status perks. This is on top of all the other relatively-recent lifestyle benefit additions — from Uber credits, Equinox credits, preferred restaurant reservations with Resy, and much, much more.

airfare-the-platinum-card-from-american-express

 

A few notes you need to know:

Amex now has language restricting you from getting the bonus on this Card if you have or have had this card OR have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards.

Additional Platinum cards are $195 each.

If you want an Authorized User card with none of the benefits, that is still available as the “Companion Platinum Card.” They will simply be able to make charges that post to your account.

Bottom Line:

While the Platinum is a solid choice for most cardholders looking to level up their travel experience, consider other options from both Chase and Capital One including the $550-per-year Chase Sapphire Reserve and $395-per-year Capital One Venture X credit card.

Rates and Fees for the The Platinum Card® from American Express

Frequently asked questions

1

Does The Platinum Card® from American Express have an annual fee?

Yes, there is a $695 annual fee (Rates and Fees).

2

Does The Platinum Card® from American Express get you into airport lounges?

Yes, card members get access to the American Express Global Lounge Collection. This includes over 1,400 lounges at select airports across 140 countries, the largest of any issuer. This includes Amex’s proprietary Centurion Lounges and Centurion Studio partner locations (formerly Escape Lounges). The American Express app will show you all available lounges at a nearby airport.
All primary American Express Platinum cardholders, as well as authorized users, get complimentary access to Centurion Lounge within three hours of a departing flight (or during layovers). In addition, cardholders receive a Priority Pass membership, access to Airspace lounges, Plaza Premium lounges and Delta Sky Clubs (when traveling on same-day Delta flights).

3

Is it hard to get The Platinum Card® from American Express?

While the American Express Platinum card is a premium product, it should not be any harder to get than most other high-end cards. You’ll need a decent income and a good to excellent credit score of at least 700 or higher.

4

Is it worth getting The Platinum Card® from American Express?

Depending on your lifestyle and travel habits, it can be well worth getting the The Platinum Card® from American Express. You could easily offset the fee with the statement credits alone, but this card also offers boosted rewards on airfare as well as elite status and lounge access to Centurion Lounges and the Global Lounge Collection.

5

How do I earn points with The Platinum Card® from American Express?

You’ll earn a generous 5X Membership Rewards points on flights booked directly with the airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year). Plus, you’ll earn 5X prepaid hotels booked with Amex Travel. You’ll probably want to avoid using the American Express Platinum for other categories though, as you’ll just earn 1X.

6

Is there a better credit card than The Platinum Card® from American Express?

It all depends on your individual preferences. Use our interactive card explorer to see if there is a card that has features and benefits that more closely align with what you want in a credit card.

7

Does The Platinum Card® from American Express charge foreign transaction fees?

No, The Platinum Card® from American Express does not charge foreign transaction fees (Rates and Fees).

8

Does The Platinum Card® from American Express have car rental coverage?

Yes, American Express Platinum card members have access to Car Rental Loss and Damage Insurance which 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.

9

Does The Platinum Card® from American Express come with Elite Status?

Yes, American Express Platinum card members get hotel and car rental elite statuses.
For hotels, you’ll get Hilton Honors Gold and Marriott Bonvoy Gold elite statuses. For rental cars, you’ll get Hertz Gold Plus Rewards Rewards President’s Circle, Avis Preferred Plus and National Emerald Club Executive Elite elite statuses.

10

Does The Platinum Card® from American Express offer extended warranty?

Yes, The Platinum Card® from American Express offers extended warranty.
When an American Express Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

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.

11

Does The Platinum Card® from American Express offer purchase protection?

Yes, The Platinum Card® from American Express offers purchase protection.
Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits 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.

12

Does The Platinum Card® from American Express offer trip protections?

Yes, The Platinum Card® from American Express offers trip protections in the form of trip delay insurance and trip cancellation and interruption insurance.
With trip delay insurance, if your trip ends up being delayed, you may be covered 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.

With trip cancellation and interruption insurance, if you end up needing to cancel or interrupt your trip because of a covered reason, you may be eligible for reimbursement. 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.

13

How does The Platinum Card® from American Express compare to the Capital One Venture X rewards credit card?

14

How does The Platinum Card® from American Express compare to the Chase Sapphire Reserve credit card?

15

What credit score do I need to get The Platinum Card® from American Express?

For the best odds of being approved for the American Express Platinum card, you need to have a good or excellent credit score. This means you should have a credit score of at least 700.

16

What can I do with the points earned for spending on The Platinum Card® from American Express?

With American Express Membership Rewards points, there are a number of ways to redeem including directly through Amex Travel, transferring your Membership Rewards points to the a number of excellent airline or hotel program, statement credits, gift cards, donations to charity, and more.

17

Does The Platinum Card® from American Express have Cell Phone Protection?

Yes, the card comes with cell phone protection.
Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 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.

18

Is the The Platinum Card® from American Express made out of metal?

Yes, the card is made of metal and weighs approximately 18.5 grams.