The Platinum Card from American Express
The lounge-access king. Math works if you fly at least a handful of times a year and use the credit stack.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $695
FairPrice score: 81/100
Rewards
5x on flights and prepaid hotels booked with Amex Travel, plus $200 airline, $200 hotel, $200 Uber and $240 digital entertainment credits.
Perks
- Centurion Lounge access
- Priority Pass Select
- Delta Sky Club (when flying Delta)
- Global Entry / TSA PreCheck credit
- Marriott and Hilton Gold status
- $200 airline fee credit
- $200 hotel credit (FHR/THC)
- $200 Uber credit
- $240 digital entertainment credit
Pros
- Unrivaled lounge network
- Deep credits stack that offsets most of the fee for frequent travelers
- Elite hotel status
Cons
- $695 fee
- Credits are fragmented and easy to leave on the table
- Modest earn outside of travel
Best for
- travel
- premium
- lounge access
- points enthusiasts
Official source · Last verified 2026-10-04