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Card Review

Credit CardAmex
Platinum credit card

Platinum

Annual Fee

$895Charged Yearly

Welcome Bonus

175,000 pts welcome offer

EST. Net Value

$1,082/yr

Credit Score

Varies

Top Earn Rate

5x travel

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Last updated November 6, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Travel

5x

Everything else

5x

Where it wins:
Stated credits ($1,120/yr) cover the $895 annual fee on their own — rewards earn on top.

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Platinum from Amex carries a $895 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $657.00 in rewards plus $1,320.00 in credits and perks — $1,082.00 net per year before welcome bonuses.

How the points work

Earn 5X on flights booked directly with airlines or with American Express Travel

Earn 5X on prepaid hotels booked on amextravel.com

Earn 1X on everything else

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
  • TravelPrepaid Hotels on AmexTravel
    5×
  • Everything elseAirfare
    5×
  • Everything elseAll Purchases
    1×

Welcome offer

175,000 points

  • Spend $12,000 in 180 days
  • Est. value: $1,750 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • Hotel Credit$600/yr

    Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel.

  • Resy Credit$400/yr

    Get up to $100 in statement credits each quarter on eligible purchases with Resy, including dining at qualifying U.S. Resy restaurants. Enrollment required.

  • Uber One Credit$120/yr

    Get up to $120 in statement credits each calendar year when you use the Platinum Card to pay for an auto-renewing Uber One membership.

Benefits

  • The Global Lounge Collection

    Access to over 1,550 airport lounges worldwide, including Centurion Lounges, 10 Delta Sky Club visits per year (with eligible flight), and unlimited Priority Pass visits.

  • Hotel Credit$600/yr

    Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel.

  • Resy Credit$400/yr

    Get up to $100 in statement credits each quarter on eligible purchases with Resy, including dining at qualifying U.S. Resy restaurants. Enrollment required.

  • Uber Cash$200/yr

    Receive $15 in Uber Cash each month, plus a bonus $20 in December, for rides and orders in the U.S.

  • Uber One Credit$120/yr

    Get up to $120 in statement credits each calendar year when you use the Platinum Card to pay for an auto-renewing Uber One membership.

  • More Ways to Pay

    Flexibility with Pay Over Time to carry a balance with interest, and Plan It to split large purchases into monthly installments with a fixed fee.

Transfer partners

Where this card's points can go, and at what ratio. 19 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • ANA Mileage Club1:1
  • Avianca LifeMiles1:1
  • British Airways Avios1:1
  • Cathay Asia Miles5:4
  • Delta SkyMiles1:1
  • Emirates Skywards5:4
  • Etihad Guest1:1
  • Iberia Plus1:1
  • JetBlue TrueBlue5:4
  • Qantas Frequent Flyer1:1
  • Qatar Privilege Club1:1
  • Singapore KrisFlyer1:1
  • Virgin Atlantic Flying Club1:1
  • Aeromexico Rewards1:1.6
  • Choice Privileges1:1
  • Marriott Bonvoy1:1
  • Hilton Honors1:2

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$895
Stated credits+$1,120
Perks (est.)+$200
Net after credits & perks$425

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full AnalysisRewards Calculator

Flo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

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Side by Side Compare

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Is the Annual Fee Worth it?

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Points & Miles → $ Converter

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

Explore transfer partner conversions across programs.

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Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$1,082/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • See the annual fee analysis above, or open the full calculator to model credits and perks against $895 per year.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

Platinum

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