The Platinum Card®

Travel is the strongest category at 3% effective value (5x points at about 0.6 cents each). That travel rate ranks higher than about 97% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Travel is the strongest category at 3% effective value (5x points at about 0.6 cents each). That travel rate ranks higher than about 97% of the 1,546 cards we track in that category.

Madeen values American Express Membership Rewards at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The The Platinum Card has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• 5X Membership Rewards® points on up to $500,000 per calendar year on flights booked directly with airlines or with American Express Travel via AmexTravel.com (then 1X) Capped at $500000 per year.

The The Platinum Card fits spenders who put meaningful volume in travel and can earn 5x points. Best for spenders who put meaningful volume in travel and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.

The Platinum Card fits spenders who put meaningful volume in travel and can earn 5x points. Madeen ranks its travel effective rate higher than about 97% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in travel and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.

Compare it against simpler no-fee cards if you want minimum complexity.

Best for travel-heavy spend when the $895 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The The Platinum Card has an annual fee of $895 and a foreign transaction fee of None. New applicants may see: Earn 80,000 Membership Rewards® points after you spend $12,000 on purchases on your new Card in your first 6 months of Card Membership.. Confirm current issuer terms before applying.

Annual fee

$895

Foreign transaction fee

None

Signup bonus

Earn 80,000 Membership Rewards® points after you spend $12,000 on purchases on your new Card in your first 6 months of Card Membership.

The The Platinum Card includes Trusted traveler credit, Lounge access, $100 Saks Credit, $120 Uber One Credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Trusted traveler creditFee Credit for Global Entry or TSA Precheck - Stay focused on getting where you need to go. Receive either a $120 statement credit for Global Entry or a statement credit for up to $85 for TSA PreCheck® through any Authorized Enrollment Provider for a 5-year plan only. TSA PreCheck can expedite security screening and Global Entry can reduce wait time at US Customs at select airports. And if you are approved for Global Entry you will also receive access to TSA PreCheck at no additional charge. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck for whichever application fee is charged to your Platinum Card first
• Lounge accessThe Global Lounge Collection - The American Express Global Lounge Collection® can provide an escape at the airport, with more than 1,400 airport lounges across 650 cities in 140 countries and counting

• $100 Saks Credit

  Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card®. That's up to $50 on a semi-annual basis. Enrollment required.

• $120 Uber One Credit

  As a Platinum Card® Member, you can get up to $120 in statement credits each calendar year after you purchase an auto-renewing Uber One membership with your Card.

• $155 Walmart+ Credit

  A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart, free same-day delivery of groceries from store (where available, subject to order minimum), & more. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit for $12.95 (plus applicable taxes) that covers the full cost (excluding any Plus Up Benefits) each month.

• $200 Airline Fee Credit

  Earn up to $200 per calendar year in statement credits after incidental fees are charged by your one selected qualifying airline to you Card.

• $200 Oura Ring Credit

  Oura Ring can help you meet your health goals. You can receive up to $200 in statements credits when you use the Platinum Card® to purchase an Oura Ring at Ouraring.com each calendar year.

• $200 Uber Cash

  With your The Platinum Card®, you'll receive $15 in Uber Cash to use on eligible orders with Uber Eats and rides with Uber in the US every month plus a bonus $20 in December5, delivered through an exclusive Uber app experience. That's up to $200 for Uber orders with Uber Eats and rides with Uber annually. You'll also become an Uber VIP, where available, without meeting minimum ride requirements and be matched with top-rated drivers, so that even a 5-minute trip can be a 5-star experience.

• $209 CLEAR® Plus Credit

  You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR Plus Membership (subject to auto-renewal) with your eligible American Express Card.

• $300 Digital Entertainment Credit

  Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners.

Compare the The Platinum Card against Delta SkyMiles Platinum American Express (3.6% on Travel, $350 fee); Delta SkyMiles Platinum Business (3.6% on Travel, $350 fee); American Express Platinum Card for Schwab (3% on Travel, $695 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Travel
• Which Credit Card Should You Use for Flights?

• Delta SkyMiles® Platinum American ExpressAmerican Express · 3.6% on travel
• Delta SkyMiles® Platinum BusinessAmerican Express · 3.6% on travel
• American Express Platinum Card® for SchwabAmerican Express · 3% on travel
• The Platinum Card from American Express Exclusively for Morgan StanleyAmerican Express · 3% on travel

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