
Earn As High As 175,000 Points With Platinum Card® from American Express
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The Platinum Card® from American Express: Worth the Hype?
If you travel often or enjoy luxury lifestyle perks, The Platinum Card® from American Express might offer more value than you expect — even with its $695 annual fee. From a generous welcome bonus to elite hotel status, here’s a full breakdown of what this premium card offers in 2025.
🔹 Welcome Bonus: Up to 175,000 Membership Rewards® Points
New cardholders can receive up to 175,000 Membership Rewards® points after spending $8,000 in the first 6 months of card membership.
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You’ll see your personal welcome offer upon applying.
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If you're not eligible for a bonus, Amex will notify you before proceeding.
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No impact on your credit score unless you accept the offer.
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Existing Amex cardholders typically do not get a hard credit pull.
🔹 Annual Fees and Additional Users
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Primary card: $695/year
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Additional Platinum cards: $195/year
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Companion Platinum cards: $0/year (limited benefits)
Additional Platinum cardholders enjoy airport lounge access, elite hotel status, Global Entry credits, and more. Companion cards exclude lounge access but still receive TSA PreCheck/Global Entry benefits.
🔹 How You Earn Points
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5x points on flights (up to $500,000/year) and prepaid hotels via AmexTravel.com
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1x point on all other eligible purchases
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No foreign transaction fees
🔹 Tips to Hit the $8,000 Spend Threshold
To help meet the welcome bonus:
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Prepay utility bills (like gas or electric)
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Pay taxes online (Amex is accepted with a small fee)
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Book upcoming travel
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Make large purchases strategically
🔹 Over $2,000+ in Annual Credits
These credits can dramatically offset the annual fee when used strategically:
Benefit | Value | Notes |
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Airline Fee Credit | $200/year | Covers incidental fees (e.g., seat selection, baggage) |
CLEAR Plus Credit | $199/year | Covers biometric airport ID for you and family |
Hotel Credit | $200/year | Prepaid hotels via Amex Travel (FHR or Hotel Collection) |
Uber Credit | $200/year | $15/month + $35 bonus in December |
Digital Entertainment Credit | $240/year | Covers Disney+, Hulu, NYT, WSJ, etc. |
Walmart+ Credit | $155/year | $12.95/month + tax for membership |
Saks Fifth Avenue Credit | $100/year | $50 semi-annually |
Equinox Credit | $300/year | Covers Equinox gym or digital membership |
SoulCycle Bike Credit | $300/year | Up to 15x/year for at-home bike purchases |
Global Entry/PreCheck Credit | $100 every 4–5 years | For you and each authorized cardholder |
🔹 Lounge Access Benefits
The Platinum Card gives access to some of the best airport lounges globally:
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Centurion Lounges (premium lounges in major airports)
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Priority Pass Select (1,300+ global lounges; 2 guests free)
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Delta SkyClub (when flying Delta, no guest access)
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Escape, Plaza Premium, Lufthansa Lounges
Authorized Platinum users also get lounge access.
🔹 Hotel & Airline Elite Status
Your Platinum Card unlocks automatic elite status:
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Hilton Gold: room upgrades, free breakfast, 5th night free on rewards
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Marriott Gold: late checkout, upgrades, enhanced points earnings
You can also enroll your additional Platinum users for these elite perks.
🔹 Protection & Insurance
Coverage Type | Coverage Amount |
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Trip Cancellation/Interruption | Up to $10,000 per trip |
Trip Delay | Up to $500 after 6+ hour delay |
Baggage Insurance | Up to $3,000 |
Purchase Protection | Up to $10,000/item (within 90 days) |
Return Protection | Up to $300/item (within 90 days) |
Extended Warranty | Adds 1 extra year |
Cell Phone Protection | Included (if bill paid with card) |
🔹 Membership Rewards® Points Transfers
Airline Transfer Partners | Hotel Transfer Partners |
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Delta, ANA, Singapore, Emirates, Flying Blue, BA, etc. | Hilton (1:2), Marriott (1:1), Choice (1:1) |
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Transfer ratio: typically 1:1 (unless otherwise stated)
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Look out for 10–40% transfer bonuses during promos
🔹 Car Rental Benefits
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Hertz President’s Circle: late returns, upgrades, better cars
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National Executive: priority aisle access and upgrades
🔹 Other Premium Benefits
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AMEX Offers: enroll and receive cash-back credits at select stores
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Fine Hotels & Resorts Program: early check-in, breakfast, upgrades, $100 experience credit
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Platinum Concierge: personalized help with events, reservations, and travel
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Preferred Seating: early access to events and sports tickets
- Terms Apply
Final Thoughts
The American Express Platinum Card isn’t just a luxury credit card — it’s a tool for unlocking travel savings, convenience, and elite perks. If you maximize the credits, lounge access, and transfer potential, the card can deliver thousands in value every year.
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