American Express · Personal

The Platinum Card from American Express

$895 a year, charged on your account anniversary

Seven of the 11 Platinum credits need a one-time enrollment before any spending counts, and American Express will not apply them retroactively.

Check if it's worth it for you

Credits, and when they reset

Every month

  • $15 $15 Uber Cash resets on the 1st of each month
  • $25 $25 digital entertainment credit resets on the 1st of each monthNeeds enrollment Amex won't backdate enrollment.
  • $13 $12.95 Walmart+ credit resets on the 1st of each month

Every quarter

  • $75 $75 lululemon credit resets every quarter (January, April, July, October)Needs enrollment Amex won't backdate enrollment.
  • $100 $100 Resy credit resets every quarter (January, April, July, October)Needs enrollment Amex won't backdate enrollment.

Every six months

  • $300 $300 hotel credit resets twice a year, in January and July

Every year

  • $200 $200 Oura Ring credit resets on January 1Needs enrollment Amex won't backdate enrollment.
  • $200 $200 airline fee credit resets on January 1Needs enrollment Select your airline first.
  • $120 $120 Uber One credit resets on January 1
  • $300 $300 Equinox credit resets on January 1Needs enrollment Amex won't backdate enrollment.
  • $209 $209 CLEAR+ credit resets on January 1

Every few years

  • $120 $120 Global Entry or TSA PreCheck credit available again every 5 years

Once

  • $0 Priority Pass one-time, with no resetNeeds enrollment

What counts, and what doesn't

  • 7 credits need a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply it retroactively.
  • Credits do not roll over. Whatever is unused when the period ends is gone.

Is it worth the fee?

$2,964

Up to $2,964 a year in credits against a $895 fee. On paper the credits more than cover it. Whether it's worth it depends on which ones you'd actually use.

Find out in 60 seconds

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