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The American Express Platinum Card® is such a baller card. I remember when mine first arrived in the mail a few years ago -- it's a heavy little piece of metal to carry around!
Using my Platinum Card® always feels great. It's one of the most feature-packed cards available these days, with over $3,500 in annual value.
But to get perks like these, you need to clear a high bar. Specifically, it's generally suggested that most people will need a credit score of Good to Excellent to get one, plus a good credit profile.
Good/Excellent
Intro APR
Purchases: N/A
Balance Transfers: N/A
APR
See Pay Over Time APR
Rewards Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®. 1X Membership Rewards® Points on other purchases. Terms apply.
1X-5X Membership Rewards® Points
Annual Fee
$895
Welcome Offer You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 175,000 points. Find Out Your Offer.
The American Express Platinum Card® isn’t just a credit card — it’s a status symbol. With over $3,500 in annual credits like $400 for dining with Resy, $600 in luxury hotel stays, and $300 in digital entertainment, plus VIP access to 1,550 airport lounges and automatic Hilton and Marriott Bonvoy elite status (enrollment required), it delivers prestige few cards can match. The fee is steep, but for those who want the best, the Platinum Card® can more than pay for itself — starting with a powerful welcome offer. Terms apply.
At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
We score cards within four primary categories:
Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
We score cards within four primary categories:
Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
Anecdotal reports suggest that the most well-qualified candidates for the Platinum Card® will typically have credit scores in the good to excellent range. Applicants with scores below that range could still qualify based on other criteria. Those with scores below good are generally considered the least well-qualified candidates.
It's important to note that American Express looks at more than just your score. (All card issuers do, not just Amex.)
They want to see a long credit history, solid income, and responsible debt use. If you have these, it will strengthen your case.
Already have a great score and solid credit profile? Apply and find out your welcome offer for the Platinum Card® today and upon approval, snag a welcome offer as high as 175,000 points after spending $8,000 in the first 6 months!
Let's look at these other factors more closely.
Yes, the Platinum Card® comes with a hefty annual fee, but if you're a frequent traveler, you can more than make up for the cost with all the included perks.
Even if you only fly a few times a year, or like to stay in higher end hotels, you can earn back the cost of your annual fee -- and then some! If the Platinum Card® doesn't quite feel like a fit, check out our list of the best travel cards for more options.
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by American Express.
For rates and fees for the American Express Platinum Card®, click here
The Motley Fool recommends Amex.