The Platinum Card from American Express

American Express · Personal card · Checked against American Express's terms Oct 24, 2026

The Amex Platinum earns 5x Amex Membership Rewards on flights; and 1x Amex Membership Rewards on everything else. $895 a year. earnrate counts Amex Membership Rewards at 1¢ each; transferring to airlines or hotels can be worth up to about 2¢.

Add it to your wallet

Where it's the best card

Delta Air Lines (5%) · American Airlines (5%) · Southwest Airlines (5%) · Alaska Airlines (5%) · Air Canada (5%) · Hawaiian Airlines (5%) · flights (5%)

Where it's in the top 3

United Airlines (5%)

Earning rates

5
Flights 5x Amex Membership Rewards
Scheduled flights booked directly with the airline or through Amex Travel. Charter and private jet flights, and flights in tours, cruises or packages, are excluded.
- Up to $500,000 of spending a year (shared with its other bonus categories on this cap), then 1x Amex Membership Rewards
“5X POINTS On Flights Booked directly with airlines or through” americanexpress.com
5
Flight through Amex Travel 5x Amex Membership Rewards
- Up to $500,000 of spending a year (shared with its other bonus categories on this cap), then 1x Amex Membership Rewards
“booked directly with passenger airlines or through American Express Travel” americanexpress.com
5
Hotel through Amex Travel 5x Amex Membership Rewards
Prepaid hotels only.
“5X POINTS On Prepaid Hotels Booked through American Express Travel ®” americanexpress.com
5
Airbnb through Amex Travel 5x Amex Membership Rewards
Prepaid Airbnb stays booked through Amex Travel, with your Airbnb account linked to Amex.
“prepaid short-term rental reservations booked with Airbnb through AmexTravel.com” americanexpress.com
2
Cruise through Amex Travel 2x Amex Membership Rewards
Platinum's only 2x Amex Travel booking type.
“only eligible for 1 additional point on cruise reservations” americanexpress.com
1
Everything else 1x Amex Membership Rewards
“1X POINTS On Other Purchases Terms and limitations apply.” americanexpress.com

Public welcome offer

175,000 Amex Membership Rewards after $12,000 in purchases in 6 months, per the issuer's page. Offers vary by person and by how you apply. The public offer is "as high as" 175,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card, the Schwab or Morgan Stanley Platinum Card, or previous versions of these Cards; Amex may also decline based on your card history.

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check American Express's terms before you apply.