The Platinum Card
Travel$895/yrAPR: 19.49% to 28.49%
Frequent TravelersPremium PerksAirport Lounge AccessLuxury Travel
CCVI Score
458
Why this card stands out
- ✓Delivers premium travel benefits that can outweigh the high annual fee for frequent travelers
- ✓Strong fit for travelers who value perks and experiences over simple rewards earning
- ✓Best used as a lifestyle and travel benefits card, not a daily spending card
+Pros
- Extensive airport lounge access
- Strong statement credits and premium travel perks
- High-end travel and lifestyle protections
−Cons
- Very high annual fee
- Rewards structure is not ideal for everyday spending
- Requires active benefit usage to justify long-term value
Welcome offer
- Earn 175,000 Membership Rewards Points after spending $8,000 in the first 6 months.
- No 0% introductory offer for purchases or BT on this card.
Rewards structure
- 5X Membership Rewards Points on flights booked directly with airlines or with American Express Travel, and on prepaid hotels booked on AmexTravel.com.
- 1X Membership Rewards Points on all other purchases.