The Platinum Card® from American Express – Full Review

The Platinum Card® from American Express is one of the most recognized premium cards on the market, offering top-tier travel perks and luxury lifestyle experiences.
While it comes with a high annual fee, the value packed into its travel credits, rewards, and exclusive access benefits can more than make up for it for the right cardholder.

One of the biggest highlights is the airport lounge access program.
With entry to over 1,400 lounges worldwide — including Amex Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges — frequent travelers will enjoy comfort and convenience that goes far beyond standard flying experiences.

The rewards structure is also strong: – 5X Membership Rewards® Points on flights booked directly with airlines or through Amex Travel.
– 5X Membership Rewards® Points on prepaid hotels booked through Amex Travel. – 1X Points on all other purchases.
Points can be redeemed for travel, gift cards, statement credits, or transferred to over a dozen airline and hotel partners.

Beyond rewards, the Platinum Card shines in lifestyle and luxury perks.
You’ll receive automatic Hilton Honors Gold Status and Marriott Bonvoy Gold Elite Status, giving you room upgrades, late checkout, and other on-property benefits.
The annual travel-related credits, including up to $200 in airline fee credits and Uber Cash, make it easier to offset the annual fee.

Cardmembers also enjoy access to Amex Offers, exclusive events, concierge service, and premium travel protections such as trip delay insurance, lost baggage insurance, and purchase protections.

Of course, the $695 annual fee (rates and fees apply) is steep, meaning this card isn’t for everyone.
But for those who travel frequently and make use of the luxury benefits, it can easily justify the cost and deliver unmatched value.

In short, the Platinum Card® from American Express is designed for travelers who want more than points — it’s about a seamless, elevated experience every step of the journey.