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Platinum

American ExpressPersonal cardAmex

Additional Platinum Cards $195 each; Companion Platinum Cards $0. Cardmembers who opened before Sept 18, 2025 moved from $695 to $895 at their first renewal on/after Jan 2, 2026.

Credits 13

Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $3,024 a year in cash credits, not counting ones you unlock by spending, points or free nights.

Every month

Uber CashActivation required
$15/moResets on the 1st

$15 Uber Cash deposited each month once the card is added to your Uber account; usable on U.S. Uber rides and Uber Eats orders when an Amex card is selected. Unused Uber Cash expires at month end.

How to activate: Add the card to your Uber account first; the Uber Cash is only deposited once it's there.

Digital Entertainment CreditActivation requiredSet it and forget it
$25/moResets on the 1st

Up to $25/month on subscriptions bought directly from Disney+, ESPN streaming, Hulu, Paramount+, Peacock, The New York Times, The Wall Street Journal or YouTube (YouTube Premium including Premium Lite, YouTube Music and YouTube TV). Peacock counts only for standalone plans, not add-ons or bundles.

Walmart+ Monthly Membership CreditSet it and forget it
$12.95/moResets on the 1st

Covers one auto-renewing monthly Walmart+ membership (up to $12.95 plus applicable taxes) each month it is charged to the card. Annual Walmart+ plans and Plus Ups do not qualify.

Every quarter

Resy CreditActivation required
$100/quarterResets Jan, Apr, Jul, Oct

Up to $100 per calendar quarter on eligible purchases at qualifying U.S. Resy restaurants and other food and drink spots, including Resy Pay; since Sept 15, 2026 prepaid reservations and deposits made on Tock for U.S. venues count too. Unused amounts don't roll over.

Lululemon CreditActivation required
$75/quarterResets Jan, Apr, Jul, Oct

Up to $75 per calendar quarter at U.S. lululemon stores, online or in the lululemon app; outlets, warehouse sales, Like New, lululemon Studio and gift cards are excluded.

Every 6 months

Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)
$300/6 moResets Jan 1 and Jul 1

Up to $300 Jan–Jun and $300 Jul–Dec on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel paid with the card. The Hotel Collection requires a 2-night minimum.

Every year

Uber Cash December BonusActivation required
$20/yrResets Jan 1

Extra $20 Uber Cash in December on top of the regular $15 (so $35 in December, $200/yr total). Expires at the end of December.

How to activate: Add the card to your Uber account first; the December Uber Cash is only deposited once it's there.

Uber One Credit
$120/yrResets Jan 1

Up to $120 in statement credits per calendar year for an auto-renewing Uber One membership charged to the card.

Airline Fee CreditActivation required
$200/yrResets Jan 1

Up to $200 per calendar year for incidental fees (checked bags, seat and change fees, lounge day passes, inflight refreshments) on one airline picked in advance: Alaska, American, Delta, JetBlue, Southwest or United. You can switch once a year in January; tickets, upgrades, miles and gift cards don't count.

How to activate: Choose your one qualifying airline in the Amex app or website before paying airline fees.

CLEAR+ Credit
$219/yrResets Jan 1

Up to $219 per calendar year for an auto-renewing CLEAR+ membership, excluding taxes and fees (raised from $209 on July 1, 2026).

Oura Ring CreditActivation required
$200/yrResets Jan 1

Up to $200 per calendar year on Oura Ring hardware bought at ouraring.com (U.S.); Oura memberships, accessories, warranties and gift cards excluded.

Equinox CreditActivation required
$300/yrResets Jan 1

Up to $300 per calendar year on an eligible U.S. Equinox club membership or a standalone Equinox+ subscription paid with the card; Equinox+ bought inside its app or through a third party doesn't count.

Every few years

Global Entry / TSA PreCheck Fee Credit
$120every 4 years

Either $120 for Global Entry or up to $85 for TSA PreCheck (through an official enrollment provider), once every 4 years for whichever program you apply for first.

Perks 13

Benefits you use rather than credits that post to your statement.

Centurion Lounge access

Unlimited cardmember visits, normally within 3 hours of departure. Since July 8, 2026 layover entry is capped at 5 hours before departure and guests must be on your flight; guests cost $50 (children $30) unless you spend $75,000 in a calendar year, which makes two guests free.

Delta Sky Club access

10 visits per card each year (reset Feb 1) when flying a same-day Delta flight, not Basic Economy; one visit covers 24 hours. Unlimited after $75,000 in calendar-year spend; extra visits and guests cost $50 each.

Priority Pass Select

Enrollment required; unlimited visits plus two accompanying guests free where applicable (restaurants excluded).

Fine Hotels + Resorts stay benefits

On Fine Hotels + Resorts bookings through Amex Travel: daily breakfast for two, a $100 property credit, guaranteed 4pm checkout, free Wi-Fi, and a room upgrade and noon check-in when available.

The Hotel Collection property credit

$100 property credit on Hotel Collection stays of 2+ nights booked through Amex Travel, plus a room upgrade, noon check-in and 4pm late checkout when available.

Marriott Bonvoy Gold Elite + Hilton Honors Gold status

Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status after enrolling.

Avis, Hertz and National car rental status

Avis Preferred Plus, Hertz President's Circle and National Emerald Club Executive after enrolling through your Amex account. If you enrolled in Hertz President's Circle before July 9, 2026, enroll again by Dec 31, 2026.

Leaders Club Sterling status (The Leading Hotels of the World)

Complimentary Leaders Club Sterling status at The Leading Hotels of the World: a 5% points bonus on qualifying stays and 5 pre-arrival upgrades a year when available. Join Leaders Club first, then enroll through Amex.

Other Global Lounge Collection lounges

Escape Lounges (including Centurion Studio Partner locations) and Plaza Premium lounges, each with two free guests, Sidecar by The Centurion Lounge (entry within 90 minutes of departure), and other partner lounges in the collection. Lufthansa lounge access ended Oct 1, 2026.

Global Dining Access by Resy + Platinum Nights

Link the card to Resy for reservations held for cardmembers, early Priority Notify alerts and special events, plus Platinum Nights tables on select nights in select cities; tables are not guaranteed.

Cruise Privileges Program

Cruises of 5+ nights booked through Amex Travel with a participating line come with $100–$300 onboard credit per stateroom (by line) plus an extra amenity, for up to 3 staterooms.

Platinum Member Airfares

Discounted fares on select airlines when booked through Amex Travel and paid with the card: mostly first, business and premium economy, and since April 2026 some economy fares too, including a few U.S. routes. Covers you and up to 7 others on the same booking.

SoulCycle At-Home Bike credit

$300 back on each SoulCycle At-Home Bike bought online from Equinox+ with the card, which needs a 12-month Equinox+ membership; up to 15 bikes a calendar year.

Also included

  • No foreign transaction fees
  • Trip delay and trip cancellation/interruption insurance
  • Cell phone protection
  • Car rental loss and damage insurance
  • Uber 'Signature Support for Amex' priority support (replaced Uber VIP May 7, 2026)

Before you apply

American Express’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules

2/90 Firm rule

No more than two new Amex credit cards in a 90-day span. Charge cards such as Platinum, Gold and Green are left out of the count. A third credit card application within 90 days is usually turned down.

1/5 Soft rule

One new Amex credit card every 5 days at most. A second application within 5 days usually sits in pending until the 5 days are up.

5 credit cards Firm rule

You can usually have up to 5 Amex credit cards open at the same time. Charge cards are separate. With 5 open, new Amex credit cards get declined. Closing or downgrading one frees a spot.

Never miss one of these credits

Add the Platinum to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.

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Last checked Oct 16, 2026. Spot something out of date? Tell us.