American Express Platinum Review
Bottom Line
American Express Platinum is best for frequent flyers who can use all the travel credits and lounge access. Airport lounge access (Centurion, Priority Pass) and $200 airline credit make it stand out, though $695 annual fee is worth considering.
Key Features
Rating Breakdown
Pros & Cons
American Express Platinum Pros
- + Airport lounge access (Centurion, Priority Pass)
- + $200 airline credit
- + $200 hotel credit
- + $200 Uber Cash
- + Global Entry/TSA Pre credit
- + Hilton & Marriott Gold status
American Express Platinum Cons
- - $695 annual fee
- - 1x on most spending
- - Amex acceptance
- - Must use all credits to offset fee
Who Is American Express Platinum Best For?
American Express Platinum is ideal for frequent flyers who can use all the travel credits and lounge access. If that describes you, it's one of the strongest options available in 2026.
Key advantages include airport lounge access (centurion, priority pass), $200 airline credit, $200 hotel credit. The main drawbacks to be aware of are $695 annual fee and 1x on most spending.
Our Verdict: 4.3/5
American Express Platinum is a strong option that delivers solid value. While not perfect, it's a great choice for the right user.
Frequently Asked Questions
American Express Platinum typically requires good to excellent credit (670+). Your approval odds depend on your full credit profile, income, and existing debt. Check your score before applying.
American Express Platinum currently offers 80,000 points after $8,000 spend in 6 months. Bonus terms and spending requirements can change, so verify the current offer on the issuer's website before applying.
American Express Platinum charges None. This is important to consider if you travel internationally or shop on foreign websites.
American Express Platinum earns 5x flights booked direct, 5x prepaid hotels via Amex, 1x everything else. Points, miles, or cash back can typically be redeemed for statement credits, travel, gift cards, or other options depending on the card network.
The $695 on American Express Platinum can be worth it if you maximize the card's benefits. Airport lounge access (Centurion, Priority Pass) alone can offset the cost for frequent flyers who can use all the travel credits and lounge access.