The Platinum Card® from American Express
#2 in Rewards Card · Rated 4.8
World-class lounge access and expansive travel credits
The Platinum Card from American Express is the flagship premium card in AmEx's lineup, widely available in the U.S. and in many markets globally. The 2025 refresh boosts annual value to buyers who can maximize credits across dining, travel, entertainment, and wellness. Core benefits include broad lounge access (Centurion Lounges, Delta Sky Clubs where applicable, Escape lounges, and more via the Global Lounge Collection), up to $3,500+ in annual credits across Resy dining, Uber, lululemon, Oura, hotel stays, streaming, and more, plus Membership Rewards points that transfer to a deep set of airline and hotel partners. The card remains invitation-friendly for high-spend travelers and is recognized for premium service, concierge access, and elite hotel programs. Suitable for high-frequency travelers who can utilize the lounge network and credits to offset the annual fee. Established years vary by market; in the U.S., the Platinum Card dates back to its original launch in 1984, with global evolution since. Headquarters are in New York, NY, USA.
Features
- Centurion Lounge access and Global Lounge Collection
- Membership Rewards points with broad transfer partners
- Multiple annual travel/dining/entertainment credits
- Premium concierge and luxury hotel benefits
- High-touch service and Priority Pass-origin access
Pros
- Extensive lounge network and premium hotel benefits
- Large, versatile credits offsetting the annual fee for many spenders
- Strong prestige and premium experience
Cons
- Very high annual fee; credits require targeted spending
- Lounge access policies can be complex and vary by region