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.

  • You’ll see your personal welcome offer upon applying.

  • If you're not eligible for a bonus, Amex will notify you before proceeding.

  • No impact on your credit score unless you accept the offer.

  • Existing Amex cardholders typically do not get a hard credit pull.


🔹 Annual Fees and Additional Users

  • Primary card: $695/year

  • Additional Platinum cards: $195/year

  • 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

  • 5x points on flights (up to $500,000/year) and prepaid hotels via AmexTravel.com

  • 1x point on all other eligible purchases

  • No foreign transaction fees


🔹 Tips to Hit the $8,000 Spend Threshold

To help meet the welcome bonus:

  • Prepay utility bills (like gas or electric)

  • Pay taxes online (Amex is accepted with a small fee)

  • Book upcoming travel

  • Make large purchases strategically


🔹 Over $2,000+ in Annual Credits

These credits can dramatically offset the annual fee when used strategically:

Benefit Value Notes
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:

  • Centurion Lounges (premium lounges in major airports)

  • Priority Pass Select (1,300+ global lounges; 2 guests free)

  • Delta SkyClub (when flying Delta, no guest access)

  • Escape, Plaza Premium, Lufthansa Lounges

Authorized Platinum users also get lounge access.


🔹 Hotel & Airline Elite Status

Your Platinum Card unlocks automatic elite status:

  • Hilton Gold: room upgrades, free breakfast, 5th night free on rewards

  • 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
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
Delta, ANA, Singapore, Emirates, Flying Blue, BA, etc. Hilton (1:2), Marriott (1:1), Choice (1:1)
  • Transfer ratio: typically 1:1 (unless otherwise stated)

  • Look out for 10–40% transfer bonuses during promos


🔹 Car Rental Benefits

  • Hertz President’s Circle: late returns, upgrades, better cars

  • National Executive: priority aisle access and upgrades


🔹 Other Premium Benefits

  • AMEX Offers: enroll and receive cash-back credits at select stores

  • Fine Hotels & Resorts Program: early check-in, breakfast, upgrades, $100 experience credit

  • Platinum Concierge: personalized help with events, reservations, and travel

  • 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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