New Platinum | The Platinum Card (2024)

American Express® App

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The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible.To log in, Card Members must have an American Express user ID and password or create one in the app.

Walmart+ Monthly Membership Credit

You can receive a statement credit for the monthly Walmart+ membership fee ($12.95 + applicable taxes) when you use your U.S. Consumer Platinum Card to pay for yourmonthly Walmart+ membership. Enrollment inmonthly Walmart+ membership is required.Purchases of any membership Plus Ups (for example, Walmart InHome) are not eligible for this benefit.If you are already enrolled in themonthly Walmart+ membership, you will begin receiving your monthly statement credit after yourmonthly Walmart+ membership fee is charged to your Card. If you are enrolled in theannual Walmart+ membership, you will not be eligible to receive monthly statement credits for that annual membership. To receive the credit, you must switch yourannual Walmart+ membership, at least one day before your annual renewal date, to amonthly Walmart+ membership. If you do not switch before your renewal date, yourannual Walmart+ membership will automatically renew and the account will not receive the monthly statement credit for the annual membership fee. To switch yourannual Walmart+ membership to a monthly membership, please update your membership type by visitingwww.walmart.com/plus/amexplatinumor by calling 1 (800) 925-6278. Once enrolled in amonthly Walmart+ membership, your membership will automatically renew each month unless canceled and Walmart will charge the applicable membership fee to the Card Walmart has on file. To receive a monthly statement credit, you must have an eligible U.S. Consumer Platinum Card on file with Walmart and use thatCard to pay for themonthly Walmart+ membership fee. American Express has no control over the approval process for Walmart+ and does not have access to any information provided to Walmart by the Card Member or by Walmart to the Card Member. A statement credit will be provided for only onemonthly Walmart+ membership fee per Card Account per month, whether enrollment is made by the Basic Card Member or an Additional Card Member. Enrollment in the Walmart+ membership program is subject to the full Walmart+ Terms of Use (including the Walmart.com Terms of Use), found here:www.walmart.com/plus/amexplatinum/terms. For additional information on Walmart+ memberships, including a summary of their benefits and benefit availability, please go towww.walmart.com/plus. American Express has no control over, or responsibility for, the Walmart+ membership program which is subject to change according to the Walmart+ terms. Please allow up to 6-8 weeks after a qualifyingmonthly Walmart+ membership fee is charged to your Card Account for the statement credit to be posted to the Account. American Express relies on accurate transaction data to identify eligible Walmart+ membership purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, please call the number on the back of your Card. To be eligible for this benefit, your Card account must not be cancelled or past due at the time of statement credit fulfillment. If a charge or an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

$200 Hotel Credit

You can earn up to $200 in statement credits per calendar year when you use an eligible U.S. Consumer Basic Platinum or Additional Platinum Card to pay for eligible prepaid Fine Hotels + Resorts® and The Hotel Collection bookings made through American Express Travel (meaning through amextravel.com, the Amex® App, or by calling the phone number on the back of your eligible Card) or when you use an eligible Additional Gold Card on such Platinum Card Account to pay for eligible prepaid bookings for The Hotel Collection made through American Express Travel (meaning through amextravel.com, the Amex® App, or by calling the phone number on the back of your eligible Card). Fine Hotels + Resorts® program bookings may be made only by eligible U.S. Consumer Basic Platinum and Additional Platinum Card Members. The Hotel Collection bookings may be made by eligible U.S. Consumer Basic and Additional Platinum Card Members and Additional Gold Card Members on the Platinum Card Account. Delta SkyMiles® Platinum Card Members are not eligible for the benefit. To receive the statement credits, an eligible Card Member must make a new booking using their eligible Card through American Express Travel on or after July 1st, 2021, that is prepaid (referred to as "Pay Now" on amextravel.com and the Amex App), for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection property. Bookings of The Hotel Collection require a minimum stay of two consecutive nights. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $200 on the Card Account per calendar year. Eligible bookings must be processed before December 31st, 11:59PM Central Time, each calendar year to be eligible for statement credits within that year. American Express relies on the merchant to process transactions within the same calendar year that you made the prepaid booking in order to apply the statement credit in the calendar year that it was intended. For example, if you make an eligible prepaid booking on the last day of the year, but the merchant doesn't process that transaction until the next day, then the statement credit available in the next calendar year will be applied to the Card Account, if the purchase is eligible. Statement credits may not be received or may be reversed if the booking is cancelled or modified. Eligible bookings do not include interest charges, cancellation fees, property fees or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise). Please allow up to 90 days after an eligible charge is posted to the Card Account for the applicable statement credits to be posted to the Card Account. Call the number on the back of your eligible Card if statement credits have not posted by that time.To be eligible for this benefit, your Card account must not be cancelled or past due at the time of statement credit fulfillment. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if it is a booking: (i) made with a property not included in the Fine Hotels + Resorts or The Hotel Collection programs, (ii) not made through American Express Travel, or (iii) not made with an eligible Card. Participating properties and their availability are subject to change. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you. Please refer to AmericanExpress.com/FHR and AmericanExpress.com/HC for more information about Fine Hotels + Resorts and The Hotel Collection, respectively.

$189 CLEAR Credit

You can earn up to $189 in statement credits per calendar year when you use your Platinum Card to pay for your annual CLEAR membership. Enrollment in CLEAR is required. CLEAR memberships automatically renew each year unless canceled and CLEAR will charge the applicable membership fee to the Card CLEAR has on file. American Express has no control over the application and/or approval process for CLEAR, and does not have access to any information provided to CLEAR by the Card Member or by CLEAR to the Card Member. American Express has no liability regarding the CLEAR program. If a Card Member's application is not approved by CLEAR, CLEAR will refund the charges. If the statement credit benefit has been applied before CLEAR refunds the charges, that statement credit will be reversed. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $189 on the Card Account per calendar year. For additional information on the CLEAR program, including information regarding membership, eligibility, and for a list of participating locations, as well as the full terms and conditions of the program, please go towww.clearme.com. The CLEAR program is subject to change, and American Express has no control over those changes. Please allow up to 6-8weeks after a qualifying CLEAR transaction is charged to your Card Account for the statement credit to be posted to the Account. American Express relies on accurate transaction data to identify eligible CLEAR purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8weeks, please call the number on the back of your Card. Card Members remain responsible for timely payment of all CLEAR charges. To be eligible for this benefit, your Card account must not be cancelled or past due at the time of statement credit fulfillment. If acharge for an eligible purchase is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

SoulCycle At-Home Bike Credit

Basic Card Members and Additional Card Members on U.S. Consumer Platinum Card Accounts are eligible to receive a $300 statement credit when using their Card to make a single purchase of a SoulCycle At-Home Bike online at www.equinoxplus.com/amexbikebenefit. A 12-month Equinox+ membership ($40/month plus applicable tax) is required to purchase a SoulCycle At-Home bike. The SoulCycle At-Home Bike is available to purchase and ship in the 48 contiguous United States and Washington, D.C. Platinum Card Members can receive the $300 statement credit on up to 15 individual SoulCycle At-Home Bike purchases per calendar year. Purchases made in-store or through the Equinox mobile app are not eligible for the statement credit. Not valid on purchases of gift cards or purchases of the SoulCycle At-Home Bike made using a financing option at the time of purchase. Equinox+ memberships and accessories purchased separately from a SoulCycle At-Home Bike are not eligible for the statement credit. See the SoulCycle At-Home Bike website for shipping and return policies and restrictions. Limit of 1 statement credit per purchase of a SoulCycle At-Home Bike. Statement credits typically post to the account within 48 hours but may take up to 6-8 weeks after an eligible purchase is charged to your Card Account. To be eligible for this benefit, the Card Account must not be canceled and not past due at the time of statement credit fulfillment. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

$300 Equinox Credit

Basic Card Members and Additional Card Members on U.S. Consumer Platinum Card Accounts are eligible to receive up to a total of $25 in statement credits each month across all Cards on the Platinum Account on membership fees for (i) eligibleEquinox memberships (which include complimentary access to the Equinox+ app as part of membership) or (ii) a stand-alone membership to the Equinox+ app. In each case, membership fees must be charged directly by Equinox or Equinox+ (as applicable) to their Platinum Card, to be eligible for statement credits. To receive this benefit, Card Members must (1) access the Equinox website through the link provided in the benefits section of their American Express online account or mobile app, or at https://platinum.equinox.com/, to enroll in an eligible Equinox or Equinox+ membership or validate their eligibility to apply the benefit to an existing eligible membership or (2) with respect to the Equinox membership only, enroll in an eligible Equinox membership in person at a Club. Eligible Card Members must be at least eighteen (18) years old, or must have the written consent of a parent or legal guardian if they are between the ages of sixteen (16) and eighteen (18), to enroll in an eligible membership. To be eligible for this benefit, the Platinum Card Account must not be cancelled or past due at the time of statement credit fulfillment.Please allow 2-4 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account.

Equinox Membership Option. Eligible Equinox membership types include All-Access, Destination Access, and E by Equinox access. All Equinox memberships include complimentary access to the Equinox+ app. Certain clubs are excluded from each membership type, and Equinox reserves the right to in the future exclude other clubs from its All-Access and Destination Access memberships. To access and use Equinox, eligible Card Members (or their parent or legal guardian, as applicable) must sign Equinox’s standard membership agreement and any other waivers and provide documentation generally required as part of Equinox’s joining process. Membership is subject at all times to Equinox’s membership agreement and Equinox’s standard rules, policies and procedures. Equinox reserves the right to terminate membership for any failure to comply with, or as otherwise permitted in, such agreement, rules, policies and procedures. Former Equinox members whose membership was terminated by Equinox for cause, or who are otherwise not allowed to access or use Equinox, are not eligible to join and participate in this benefit.

Equinox+ Membership Option. To enroll, eligible Card Members (or their parent or legal guardian, as applicable) must follow the steps described above and then purchase an Equinox+ membership at www.equinoxplus.com and agree to the Equinox+ Terms and Conditions and Privacy Policy. Membership in the Equinox+ app is subject at all times to the foregoing and Equinox Media’s additional standard rules, policies and procedures. Equinox Media reserves the right to terminate Equinox+ membership for any failure to comply with, or as otherwise permitted in, such terms, rules, policies and procedures. You will not receive the statement credit on your Equinox+ membership if you purchase your membership within the Equinox+ app or through a third party.If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance.For additional information, call the number on the back of your Card.

$240 Digital Entertainment Credit

Enrollment is required to receive the benefit. Only the Basic Card Member or Authorized Account Manager(s) on a U.S. Consumer Platinum Card Account can enroll in the benefit. Eligible purchases (see below) must be charged directly at the participating partners to a Basic or Additional Card on the enrolled Card Account for the benefit to apply. Purchases by both the Basic Card Member and Additional Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is eligible for up to $20 in statement credits per month, for a total of $240 per calendar year in statement credits across all Cards on the Account. Only valid for transactions completed in the U.S. and U.S. Territories. Participating partners are Audible, Disney+, ESPN+, Hulu, Peaco*ck, SiriusXM, and The New York Times.Age minimums and other restrictions apply to use of each partner’s services; see their respective terms and conditions for more information. Purchases of prepaid or gift cards from third-party retailers for use at these participating partners are not eligible for this benefit.

Audible:All Audible purchases made directly throughwww.audible.com are eligible, including Audible subscriptions (Audible Plus and Audible Premium Plus) and audiobook purchases.

Disney+:All Disney+ purchases made directly throughwww.disneyplus.comare eligible, including Premier Access purchases and The Disney Bundle. The Disney Bundle includes Disney+, Hulu and ESPN+. The Hulu plans available as part of The Disney Bundle are Hulu (ad-supported) or Hulu (No Ads) plan. Access content from each service separately and access select ESPN+ content via Hulu.

ESPN+:All ESPN+ purchases made directly throughwww.plus.espn.comare eligible, including Pay Per View (PPV) purchases and The Disney Bundle. The Disney Bundle includes Disney+, Hulu and ESPN+. The Hulu plans available as part of The Disney Bundle are Hulu (ad-supported) or Hulu (No Ads) plan. Access content from each service separately and access select ESPN+ content via Hulu.

Hulu:All Hulu purchases made directly throughwww.hulu.comare eligible, including The Disney Bundle. The Disney Bundle includes Disney+, Hulu and ESPN+. The Hulu plans available as part of The Disney Bundle are Hulu (ad-supported) or Hulu (No Ads) plan. Access content from each service separately and access select ESPN+ content via Hulu.

Peaco*ck:Eligible purchases for Peaco*ck include all Peaco*ck subscriptions, including but not limited to Peaco*ck Premium and Premium Plus, made directly online atwww.peaco*cktv.com. Eligible purchases do not include subscriptions bundled with cable services or other bundles, promotional offers through third parties, or gift cards.

SiriusXM:Eligible purchases for SiriusXM include purchases made directly with SiriusXM (US) online atwww.siriusxm.com, through SiriusXM telephone sales or direct mail order purchase transactions. Eligible purchases do not include SiriusXM safety, security or telematics services (connected vehicle); SiriusXM for Business subscriptions, SiriusXM ad sales, or any transactions involving SiriusXM’s Stitcher or Pandora services.

The New York Times:Eligible purchases for The New York Times include any subscriptions (including digital or print news, NYT Cooking, Wirecutter, and New York Times Games) made directly throughwww.nytimes.com/subscription. Eligible purchases do not include advertising services, NYT conferences, gift cards, the TimesDigest or purchases from the NYTimes company store.

Please allow 6-8 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. American Express relies on the merchant to process transactions within the same calendar month that you made the purchase in order to apply the $20 monthly statement credit in the month that it was intended. For example, if you make an eligible purchase on the last day of the month, but the merchant doesn't process that transaction until the next day, then the statement credit would be applied in the following month. If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party (such as an app store or cable bundle) or if the merchant uses a mobile or wireless card reader to process it. To be eligible for this benefit, Card Account(s) must not be canceled and not past due at the time of statement credit fulfillment. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

Global Dining Access byResy

Global Dining Access Terms and Conditions

The Global Dining Access program (“GDA”) is a benefit available to eligible Card Members. “Eligible Card Members” are account holders of Platinum Card® or Centurion® Card from American Express, Business Platinum Card®, Business Centurion® Card from American Express, Corporate Platinum Card® or Corporate Centurion® Card from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, and Hilton Honors American Express Aspire Card (and any Additional Card Member(s) on their accounts). GDA may not be available for Cards issued from some countries. GDA provides eligible Card Members with (a) access to exclusive reservations, (b) Priority Notify, which allows GDA members to set notifications to be in the first group notified when tables become available before they are made available to other Resy users, and (c) access to exclusive events. GDA reservations are accessible through the Resy App and Website (“Resy Sites”), and Concierge. Some features of GDA, like Priority Notify, may not be available through Concierge. To access this benefit through the Resy App, you must download the Resy App; or if you already have the Resy app, ensure the latest update is downloaded. When using the Resy Sites, create a Resy account or log into your existing Resy account and add your eligible Card to your Resy account. If you are assigned a new Card number, you must update the Card number in your Resy account. When you use GDA, a badge will be placed on your Resy profile, letting restaurants know that you are a member of the GDA program. Reservations are based on a first-come, first-served basis. In the event of a reservation cancellation, you will be subject to the restaurant’s cancellation policy. Generally, same-day reservations that are not booked by GDA members are released back to restaurants at certain times of day that vary across restaurant policies. American Express and Resy make no representations or warranties regarding the availability of reservations, events, and/or experiences, which shall at all times be subject to availability and the discretion of the applicable restaurant. American Express and Resy are not responsible for informing the restaurants of any dietary restrictions or for a restaurant being able to accommodate such restrictions. There is no cost to you for booking services through GDA, although you are responsible for any purchases or fees you authorize to be charged to your Card account. GDA reservations and events are intended for personal use only and cannot be resold or used for commercial purposes. By participating in the GDA program, you are accepting these GDA terms and conditions, which are in addition to and do not replace the Resy Sites’ Terms of Service. To be eligible for this benefit, you Card account must be not cancelled.

Premium Private Jet Program with Wheels Up

Eligibility Premium Private Jet Program (the “Program”) fulfilled by Wheels Up Partners LLC (“Wheels Up”) is available to holders of U.S. Consumer and Business Basic Platinum Cards and Additional Platinum Cards, and U.S. Consumer, Business, and Corporate Centurion Cards and Additional Centurion Cards only (“Card Members”) with Marketplace Access, Connect Memberships, or Core Memberships when a Card Member enrolls directly with Wheels Up. Eligibility for the Program requires proof of a U.S. American Express Platinum or Centurion Card issued in the Card Member’s name (“Qualifying Card”). Core and Connect Memberships: Initiation Discounts and Flight Credits; Fund Program Flight Credits For new Wheels Up Core and Connect Memberships (each a “Membership”), applicable initiation fee discounts and initiation flight credits will be automatically applied at the time a Card Member purchases such a Membership. After renewing a Membership, if a Card Member purchases a fund program, applicable fund program flight credits will be added to their account immediately. Card Members who purchase a Membership are not required to make purchases with a Qualifying Card to receive the associated initiation discount or fund program flight credit. Initiation flight credits will be available one-time only, in the first year of Membership, and fund program flight credits will be available annually in subsequent years of Membership. Flight credits are not refundable or exchangeable for cash or statement credits. Initiation flight credits must be used within 12 months of enrollment in a Membership and will be automatically applied to the first flight purchased by a Card Member with a Membership within that time period. Applicable fund program flight credits will be automatically added to the Card Member’s Wheels Up account and must be used within 12 months of the date the credit is added to the Card Member’s Wheels Up account and will be automatically applied to the first flight purchased by a Card Member following the purchase of the fund program within that time period. If an eligible Card Member’s Qualifying Card is cancelled after purchasing a Wheels Up Membership, the Card Member’s Wheels Up Membership will not be cancelled and will continue for remainder of the Membership term. Wheels Up will allow Card Members to use any remaining, unexpired initiation flight credits or fund program flight credits for the remainder of their current Membership term. Marketplace Access: Transaction Fee Waiver Card Members enrolled in Marketplace Access are entitled to receive a waiver of up to two Wheels Up transaction fees per year of enrollment, depending on Qualifying Card type, and must complete the applicable transaction with a Qualifying Card in order to receive the transaction fee waiver. Connect Memberships and Marketplace Access: Guaranteed Hourly Rates Guaranteed hourly rate trips are available with Marketplace Access and Connect Memberships and subject to minimum booking time and flight time requirements. Guaranteed hourly rates are available only for round-trip flights entirely within the continental U.S. on select aircraft types. Existing Wheels Up Memberships (prior to July 1, 2021) If a Card Member with a Qualifying Card has an existing Wheels Up Membership prior to July 1, 2021, the Card Member is not eligible for any initiation-related portions of the Program (i.e., discounted initiation fees or initial flight credits) but will be eligible for other available benefits of the Program.Card Members with a Qualifying Card and Marketplace Access are eligible for initiation-related portions of the Program if they purchase a Wheels Up Membership. If the eligible Card Member would like to upgrade or downgrade their Membership level and apply the Program benefits to their new Membership level, they will be prompted to call Wheels Up customer service to do so. The amount due in Initiation Fees at the upgraded or downgraded Membership level will be subject to Wheels Up’s membership agreement and terms and conditions. General Terms Available discounts and credits may not be combined with other offers of the same type (e.g., initiation discounts cannot be combined with other initiation discounts) and are non-transferable. All participation in the Program is subject to Wheels Up’s membership agreement and other terms and conditions applicable to your use of Wheels Up services including without limitation blackout dates, minimum booking times and flight time requirements. Membership levels and benefits are subject to change. If a Card Member changes Qualifying Card types, Wheels Up will change its fulfilment of the Program to reflect benefits available to the new Qualifying Card type within one month after the Qualifying Card change and the Card Member will remain enrolled in the Program on the new Qualifying Card. Disclaimer Wheels Up does not operate aircraft; U.S. FAA-licensed and DOT-registered air carriers participating in the program, including certain carriers affiliated with Wheels Up through common ownership, exercise full operational control of all flights offered by or arranged through Wheels Up. For on-demand flights and shuttle flights operated as scheduled service, Wheels Up acts solely as an agent for Wheels Up members and guests in arranging these flights on their behalf. For shuttle flights operated as Public Charter service, Wheels Up acts as principal in offering these flights subject to the DOTs Public Charter rules contained in 14 CFR Part 380. All aircraft owned or leased by Wheels Up are leased to an affiliated air carrier and are operated exclusively by that carrier.

The Global Lounge Collection

The Centurion® Lounge
U.S. Basic Platinum Card Members and Additional Platinum Card Members on the account and U.S. Basic Business Platinum Card Members and Additional Platinum Card Members on the account may bring up to two (2) guests per visit into locations of The Centurion Lounge in the U.S., at Hong Kong International Airport and at London Heathrow Airport for no per-visit guest fee (“Complimentary Guest Access”) through January 31, 2023. Effective February 1, 2023, Platinum Card Members, Business Platinum Card Members and Additional Platinum Card Members on the account will be charged a $50 fee for each guest (or $30 for children aged 2 through 17, with proof of age). To receive Complimentary Guest Access at these locations after January 31, 2023, the total eligible purchases on the Platinum Account must equal or exceed $75,000 between January 1, 2022 and December 31, 2022 and in each calendar year thereafter.Guest access policies may vary internationally by location and are subject to change.

Beginning February 1, 2023, eligibility for Complimentary Guest Access will be processed within a week of the Platinum Account’s meeting the purchase requirement in most cases, but may take up to 12 weeks to become effective. Complimentary Guest Access status will be reflected in the Benefits tab of your online account and in the American Express App. Once effective, Complimentary Guest Access will be available for the remainder of the calendar year in which it became effective, the following calendar year, and until January 31 of the next calendar year (for example, if Complimentary Guest Access becomes effective on May 1, 2023, it will remain effective through January 31, 2025). Eligible purchases made by any Additional Card Members on the Platinum Account will contribute to the purchase requirement. Eligible purchases to meet the purchase requirement are for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. If a Basic Platinum Card Member upgrades or downgrades from a different American Express Card, eligible purchases made on that Card Account will count toward the new Platinum Account's Complimentary Guest Access purchase requirement.

Platinum Members have unlimited complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum account are not eligible for complimentary access. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, the Card Member must present The Centurion Lounge agent with the following upon each visit: his or her valid Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Note that select lounges allow access to Card Members with a confirmed reservation for any same-day travel (departure or arrival). Refer to the specific location’s access policy for more information. Failure to present this documentation may result in access being denied. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change.In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

Delta SkyClub

Effective June 1, 2022:

The Platinum Member must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Clubambassador.Boarding pass must show a reservation for a same-day Delta-marketed or Delta-operated flight departing from the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Card Members can only access the Delta Sky Club within 3 hours of their flight's scheduled departure time. During a layover between Delta-marketed or Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Round-trip same-day travel is not considered a layover. Delta reserves the right to limit access for non-revenue standby fliers at any Delta Sky Club.Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary accessthrough The Global Lounge Collection benefit. Access to DeltaSky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Card Members must adhere to all House Rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs.

For the most current Delta Sky Club access and pricing policy, please visit Delta.com/skyclub. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit Delta.com/skyclub.

Airspace
This benefit is available to Platinum. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Member must present his or her valid Card,government-issued I.D. and confirmed boarding pass for same-day travel.In some cases, Card Member must be 21 years of age to enter without a parent or guardian.The Card Member may bring up to two companions into the club as complimentary guests per visit.Card Member must adhere to all house rules of participating lounges. Card Members and his or her guests will receive all of the complimentary benefits and amenities afforded to the Airspace Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Airspace Lounge locations are subject to change.

Priority Pass Select
These Terms and Conditions govern Platinum Card Members' participation in and use of the Priority Pass™ Select program. Priority Pass is an independent airport lounge access program.At any visit to a Priority Pass Select lounge that admits guests, you may bring in two guests for no charge. After two guests, you will be automatically charged the guest visit fee equal to the guest visit fee of the Priority Pass Standard program for each additional guest. Some lounges do notadmit guests. By enrolling in Priority Pass Select, you agree that you will be responsible for any additional accompanying guest visits and that your Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge.Additionally, you acknowledge and agree that American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass Select program and may use this information for marketing related to the program. Once enrolled, Platinum Card Memberswhose Card account is not cancelledmay access participating Priority Pass Select lounges by presenting your Priority Pass Select card and airline boarding pass. In some lounges, Priority Pass Select member must be 21 years of age to enter without a parent or guardian. Priority Pass Select members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. All Priority Pass Select members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrollment information, Priority Pass will send your Priority Pass Select card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. Please note, Additional Gold Card Members are not eligible for membership.

Escape Lounges– The Centurion® Studio Partner
This benefit is available to Platinum. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access.Card Members receive complimentary access to any US location of the Escape Lounges. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring either (i) up to two guests or (ii) immediatefamily members, which are spouse or domestic partner and all children under the age of 18, as complimentary guests. Delta SkyMiles® Reserve and Delta SkyMiles® Reserve Business Basic and Additional Card Members receive complimentary access to all Escape Lounge locations when flying on a same-day Delta-marketed or Delta-operated flight. The eligible flight must be booked on a U.S. issued American Express credit card and Card Members may bring up to two guests at a per-visit rate equal to the guest fee of the respective Escape Lounge location. Card Member must adhere to all house rules of participating lounges. Card Members and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product featuresmay be subject to additional charges. Escape Lounge locations are subject to change.


Plaza Premium Lounges
This benefit is available to Platinum. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to any global location of Plaza Premium Lounges. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) companions into Plaza Premium Lounges as complimentary guests. Must be of legal drinking age to consume alcohol. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and his or her guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Plaza Premium Lounge locations are subject to change.

Lufthansa

This benefit is available to Platinum. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class). To access the Lufthansa lounges, Platinum Card Member must present a government issued I.D., a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines) and a valid Platinum Card. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit www.americanexpress.com/findalounge. Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly.For the most current Lufthansa rules and guest access and pricing policy, please visithttps://www.lufthansa.com/de/en/lounges.

Additional Global Lounge Collection Partner Lounges

American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have unlimited complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Access is subject to space availability, including capacity restrictions and limited hours that may be placed on the participating lounge. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in our sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit www.americanexpress.com/findalounge.

Membership Rewards® Program

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

5X Air and Hotel

You will get one Membership Rewards® point for each dollar charged for an eligible purchase on your Platinum Card from American Express. You will get: 4 additional points (for a total of 5 points) on the first $500,000 on eligible air purchases per calendar year; 4 additional points (for a total of 5 points) for each dollar spent on eligible hotel purchases. Eligible air purchases are purchases of scheduled flights made directly with a passenger airline or through American Express Travel (via the phone by calling 1-800-525-3355 or online via AmexTravel.com), minus returns and credits. Charter flights, private jet flights, flights that are part of travel packages, tours, or cruises, and flights booked via the phone through American Express Travel on airlines that do not accept American Express are excluded. Eligible hotel purchases areprepaid hotel purchases booked with American Express Travel and prepaid flight+hotel packages booked on AmexTravel.com with your eligible Platinum Card and charged to the same eligible Platinum Card, minus returns and credits. To modify a reservation, you must cancel and rebook your reservation. You can cancel and rebook your reservation on AmexTravel.com or by calling a representative of AmexTravel.com at 1-800-297-2977. Cancellations are subject to hotel cancellation policies. If hotel reservations are made or modified directly with the hotel provider, the reservation will NOT be eligible foradditional points. Eligible air and hotel purchases do NOT include non-prepaid hotels, hotel group reservations or events, car rental or cruise purchases, purchases through a third-party payment account or anonline travel agency, ticketing service or other fees, interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.


Bonuses you may receive with your Card on other purchase categories or in connection with promotions or offers from American Express may not be combined with this offer. Any portion of a charge that youelect to cover through redemption of Membership Rewards points is not eligible to receive points. Additional terms and restrictions apply.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to processor submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.


Please visit americanexpress.com/rewards-info for more information about rewards.

$200 Airline Fee Credit

Benefit is available to Consumer and Corporate Platinum Card Members only. To receive statement credits of up to $200 per calendar year for incidental airline fees charged to the eligible Card, Card Member must select one qualifying airline through their American Express Online Account or the link for their Card below:

• American Express Platinum Card®: https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/platinum

• Goldman Sachs Platinum Card®: https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/goldman-platinum-card

• Morgan Stanley Platinum Card®: https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/morgan-stanley-platinum-card

• American Express Platinum Card® for Schwab: https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/schwab-platinum-card

• American Express Corporate Platinum Card®: https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/corporate-platinum


Qualifying airlines include Alaska Airlines, American Airlines, Delta Airlines, Frontier Airlines, Hawaiian Airlines, JetBlueAirways, Spirit Airlines, Southwest Airlines, and United Airlines. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen one qualifying airline will be able to do so at any time. Card Members who have already selected one qualifying airline will be able to change their choice one time each year in January through theirAmerican Express Online Account or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. Statement Credits: Incidental airline fees must be charged to the Card Member on the eligible Card Account for the benefit to apply. Incidental airline fees charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $200 per calendar year in statement credits across all Cards on the Account. Incidental airline fees must beseparate charges from airline ticket charges. Fees not charged by the Card Member’s selected airline (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits.Incidental airline fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee. Please allow 2-4 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 4 weeks from the date of purchase. Card Membersremain responsible for timely payment of all charges. To be eligible for this benefit, Card Account(s) must be not canceled and not past due at the time of statement credit fulfillment.

Premium Uber Benefit

Basic Card Members on a Consumer Platinum Card or Centurion account are eligible for Uber VIP and the monthly Amex Benefit (“Amex Benefit”). Additional Centurion Cards are also eligible for the Amex Benefit. To receive this benefit, you must have downloaded the Uber App version 3.363.10000 or later for iOS or version 4.274.10000 or later for Android and your eligible Platinum Card or Centurion Card must be a method of payment in your Uber account. If you are assigned a new Card number, you must update your method of payment in your Uber account. Cards added to your Uber account through a third party such as Apple Pay or PayPal will not be eligible. An eligible Platinum Card or Centurion Card may receive this benefit on one Uber account. If the same Card is added to multiple Uber accounts, only the first Uber account to which the Card is added will receive the benefit. It takes up to 24 hours for the Amex Benefit to be available in Uber Cash after your eligible Card has been added to your Uber account. Uber VIP is available in select cities and is governed by Uber’s terms and conditions. The monthly Amex Benefit is found within your Uber Cash balance. In order to use the Amex Benefit, Uber Cash must be turned on. If Uber Cash is turned on when you request a ride, Uber Cash will appear above the confirmation button. If Uber Cash does not appear above the confirmation button, tap on the current payment option and turn on Uber Cash. The Amex Benefit may be applied to all vehicle types with Uber, orders on Uber Eats and to any other services to which Uber permits Uber Cash to be applied. If your Amex Benefit in your Uber Cash balance does not satisfy the cost of your ride or order, the primary payment method on your Uber account will be charged for the difference. The Amex Benefit will not apply to previous Uber transactions and cannot be used when paying with an UberFAMILY profile. New and existing Uber users are eligible. Uber will apply the Amex Benefit at the point of sale and it will be displayed on your email receipt. There is no limit to the number of transactions you may apply your Amex Benefit to each month, up to a total of $15 per month (up to a total of $35 in December). The Amex Benefit in Uber Cash may only be applied within the United States. Your monthly Amex Benefit expires at 11:59 PM Hawaii Standard Time on the last day of each month. Unused balance in Uber Cash from your Amex Benefit will not carry over to the following month. Your Amex Benefit will be applied for the month in which the transaction is completed. If a transaction is eligible for another promotion that you have added to your Uber account, the promotion will be applied before your Amex Benefit. Certain other types of balances in Uber Cash may be applied to the cost of your ride or order prior to your Amex Benefit in Uber Cash. For purposes of fulfilling upon this benefit, American Express will share with Uber certain information about your Card, including the Card type, and updated Card information from time to time. If you do not wish to participate in this program, please call the number on the back of your Card. If you do not see the Amex Benefit in Uber Cash by 5:00 PM Hawaii Standard Time on first of the month, simply call the number on the back of your Card.

Shop Saks with Platinum

Only the Basic Card Member or Authorized Account Manager(s) on a U.S. Consumer Platinum Card® Account can enroll in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is only eligible for up to a $50 statement credit from January through June and up to a $50 statement credit from July through December for a total of $100 per calendar year in statement credits across all Cards on the Account. Valid at Saks Fifth Avenue online or at locations in the US and US Territories. Not valid on Saks Fifth Avenue Gift Cards or purchases at Saks OFF 5TH Avenue Store locations and saksoff5th.com. Excludes purchases at restaurants located within the store and Online Bill Pay for Saks Credit. Not valid on online purchases shipped outside of the US. Please allow 2-4 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 4 weeks from the date of purchase. Purchases may fall outside of the 6-month benefit period in which the purchase was made in some cases due to a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction (for example, the purchase date for online orders may be the shipping date). In this case your purchase would apply toward the statement credit available in the next 6-month benefit period. Statement credit may be reversed if the eligible purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. To be eligible for this benefit, Card Account(s) must be not canceled and not past due at the time of statement credits fulfillment. If a charge for an eligible purchase is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

American Express Experiences

Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members. Tickets must be purchased with an American Express Card. Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities. For more information, please visit americanexpress.com/entertainment.

The American Express Experiences program is available to all Card Members unless otherwise stated. Simply pay with your AmericanExpress® Card when applicable. Tickets are subject to the rules, terms & conditions, and fees set by the ticket seller, event promoter and/or the venue, as applicable. Offer fulfilled by ticket seller,subject to availability and may be changed or revoked at any time. All sales final. No refunds. No exchanges. For more information, please visit americanexpress.com/entertainment.

Cell Phone Protection

Effective April 1, 2021. Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to Card Membership. Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is excess of those amounts not covered by any other insurance or indemnity. For more information about the coverage, please see the Guide to Benefits atamericanexpress.com/CPPTerms.

Refer a Friend - Program Terms

This offer is available online only to Basic Card Members. Please allow 8-12 weeks for the Referral Bonus to post to your account after each referred individual is approved for the Card. You cannot earn a Referral Bonus for those who currently have the Card you recommended or for individuals who have been referred by someone else. Due to the confidential nature of the credit approval process, you will not be notified of whether we approve or decline any application(s) from individual(s) you refer. Also, the individuals you refer may not receive the referral email if they have previously “opted out” of receiving email marketing communications from American Express. Any violation or abuse of this program may result in the forfeiture of the Referral Bonus. In order to receive the Referral Bonus, your Card account must not be canceled or past due at the time of fulfillment. Terms & restrictions of the rewards program corresponding to your Card account apply. NOTE: The value of the Referral Bonus may be taxable income to you; you are responsible for any federal or state taxes resulting from the Referral Bonus. Please consult your tax advisor if you have questions about the tax treatment of the Referral Bonus.

Additional Card Member Terms

By submitting this application, you authorize us to issue an Additional Card(s) on your Account to the individual(s) whose name(s) appear(s) on the application.

Additional Card Members do not have accounts with us but can use your Account subject to the terms of the Card Member Agreement, must be at least 13 years of age and never had a default account with American Express. You are responsible for the activity and use of your Account by Additional Card Members. You must pay for all charges they make.

Seller of Travel

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our travel consultants. For more information visit www.americanexpress.com/travelterms.

California CST#1022318; Washington UBI#600-469-694

New Platinum | The Platinum Card (2024)

FAQs

How do I get a new Platinum Card? ›

Head to your online Amex Platinum account and navigate to the "Account Services" menu, then select "Replace a Card." You'll be prompted to select the card you want to replace and you'll need to choose the reason why you're replacing the card — click on "I want to change my card's design."

What credit card is higher than platinum? ›

Both titanium and platinum cards charge an annual membership fee for the rewards and benefits they offer. An annual membership fee charged on the titanium card is usually higher than the platinum card.

What is the credit limit on a Platinum Card? ›

With up to a $25,000 credit limit, the Visa Platinum card gives you room to do what you need and what you want. Your Visa Platinum card is accepted at over 22 million worldwide locations, including over 700,000 ATMs in the Visa Global ATM Network.

What does a Platinum Card get you? ›

Get up to $20 in statement credits each month when you use your Platinum Card® for eligible purchases on Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peaco*ck, SiriusXM, and The New York Times when you purchase directly from one or more of the providers. This can be an annual savings of up to $240.

How many people have Amex platinum? ›

Circulation figures for 2017 suggest that outside the U.S., there are about 400,000 Platinum Cards, and 84,000 Centurion Cards. In the United States, TimeInc reports that American Express Platinum Card and Centurion membership has increased 23% since 2010.

How rich do you have to be to have a Platinum Card? ›

Salary Needed for Amex Platinum Credit Card

If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.

What credit cards do billionaires have? ›

The credit card billionaires are most likely to use is the Centurion® Card from American Express, also known as the Amex Black Card, which has unique benefits and is reserved for high-net-worth individuals. Some of the rich and famous people rumored to have the card include Jerry Seinfeld and Halle Berry.

Is Amex platinum hard to get? ›

It will be difficult for the average person to get the American Express Platinum card because of the card's 700+ credit score and reportedly high income requirements. Another reason why the American Express Platinum card may be hard to get is because of the card's daunting $695 annual fee.

Whats better a black or Platinum Card? ›

Key Takeaways. The Black Card is an exclusive charge card offered to high-net-worth individuals by invitation only. The Platinum Card is one tier lower. Prospective cardholders may apply online and must meet minimum eligibility requirements.

Can I buy a car with my Amex platinum? ›

Cardholders of The Platinum Card® from American Express (another high credit limit card), or any other type of Amex members, can try using the American Express Auto Purchasing Program, which connects you to dealers who accept American Express and let you charge $2,000 or more toward a car purchase on your Amex card.

Does the Platinum Card build credit? ›

Key Things to Know About Capital One Platinum

The card helps people build credit, as it reports account information to the 3 major credit bureaus each month. Cardholders do not earn rewards on purchases.

Can you buy a car with a credit card? ›

In general, car dealerships accept credit cards. You might even be able to use a card to buy a vehicle. However, it's more likely that the dealership will take a credit card for a down payment or a part of the down payment up to a certain amount. For you, using a credit card is a convenience or maybe a necessity.

What's so special about Platinum Card? ›

The Amex Platinum is a premium credit card that offers a welcome bonus, luxury perks, and other value-added services. Cardholders benefit from Uber credits, airfare discounts, bonus points, cashback and much more. Unlike typical credit cards, this card allows you to carry a balance for certain charges, but not all.

Who gets a Platinum Card? ›

You will need to have a good credit history (and a score of 750 or above) and a high income in order to qualify. Howeer, you need to also look at whether the benefits are of use to you. Privileges: If you do not play golf, then a card that offers complimentary golf is not of much use.

What is better a Gold Card or a Platinum Card? ›

Platinum cards give higher minimum credit limits than gold cards, which can be a bonus if you spend a lot on credit and can responsibly manage your credit card payments. Platinum cards charge higher annual fees than gold cards offered by the same provider.

What is the rarest Amex card? ›

The rarest Amex cards are the Centurion card, the Amex Business Centurion card, and the Corporate Centurion® Card from American Express.

What is the hardest Amex card to get? ›

Centurion® Card from American Express

Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

Which Amex is the highest? ›

The Amex Centurion (or Amex Black) is the highest level American Express card, but it has a very elite, invite-only membership and Amex does not officially publish its information.

Are Platinum cards for rich people? ›

According to Weiss, one of the most recommended cards for high-net-worth individuals is The Platinum Card® from American Express . While this card comes with a wide range of perks that make it seem too good to be true, it also comes with an annual fee of $695, which is higher than most other credit cards.

Does Platinum Card mean rich? ›

Having a platinum credit card used to mean that your credit card was more exclusive and elite than a normal credit card. Now, there are platinum credit cards offered for every level of creditworthiness, from bad to excellent, and the word “platinum” has more to do with marketing than a card's benefits and features.

Do rich people have Amex Platinum? ›

Millionaires use credit cards like the Centurion® Card from American Express, the J.P. Morgan Reserve Credit Card, and The Platinum Card® from American Express. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting.

Is Amex for rich people? ›

No,. American Express is not specifically for rich people, even though it does have a high level of status in many people's minds. Applicants need good or excellent credit scores of 700+ to qualify for Amex credit cards, and you don't need to be rich to have a good credit score.

What is a good total credit limit to have? ›

A good credit limit is above $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income and little to no existing debt. What qualifies as a good credit limit differs from person to person, though.

How do rich people pay their credit cards? ›

Just over half of wealthy respondents open a new credit card at least three times per year. Only a third of respondents pay off their statement balance every month. Wealthy credit card holders prefer cash back cards and put a strong emphasis on no annual fees.

Is Amex Platinum fully metal? ›

The Platinum Card® from American Express is made from a combination of materials that includes stainless steel metal and has a heavier weight than the American Express® Gold Card, according to a company spokesperson.

Is Amex platinum higher than gold? ›

Amex Platinum ultimately offers more value, though. For example, its benefits include airport lounge access, while the Amex Gold Card's perks do not. When it comes to ongoing rewards on purchases, Amex Platinum has a higher maximum earning rate and better travel rewards. But Amex Gold provides more everyday value.

Does Amex Platinum hurt credit? ›

Because these cards don't have a preset limit, they will not impact your credit utilization ratio (how much of your credit limit you use). But the card will still impact your credit score in other ways—including whether you pay your bill on time.

Is Amex Platinum a status symbol? ›

The Platinum Card® from American Express (Terms apply. See rates and fees) originally launched in 1984 with an annual fee of $250—unprecedented at the time. Since then, it has become one of the most popular and sought-after travel rewards cards, as well as a status symbol.

What is above Amex Platinum? ›

The Chase Sapphire Reserve always goes head-to-head with the Amex Platinum, and Chase even raised the card's annual fee to $550 in 2020. Now that the Amex Platinum has a $695 annual fee (see rates and fees), it makes the Sapphire Reserve the more affordable option.

Is Amex gold Free with Platinum? ›

Add a complimentary Additional Gold Card to your Platinum Card® for a family member or someone close to you and make it easier to track your household's expenses.

Is Amex Platinum 150k offer worth it? ›

Amex Platinum Card Welcome Offer

We generally value Membership Rewards points at about 2.2 cents per point, which means that a 100,000-point bonus offer is worth ~$2,200, a 125,000-point bonus is worth ~$2,750, and a 150,000-point bonus is worth $3,300.

What credit score do you need for an Amex Platinum? ›

The Platinum Card® from American Express requires good to excellent credit to qualify. This is typically defined as a credit score of 690 or better.

How much do you need to make to qualify for Amex Platinum? ›

Annual income of $100,000 or more. Aged 18 years or over.

Is 15000 a good credit limit? ›

A $15,000 credit limit is objectively good. But you might think a $15,000 credit limit is bad if your company needs to charge $25,000 every month. Having to make multiple card payments just to use your card is inconvenient at best.

What happens if you don't pay Amex Platinum in full? ›

Interest charges accrue when you don't pay the bill off in full. Pay Over Time charges an interest rate that is the same across the Green, Gold and Platinum products. As of August 2020, cardholders who use the feature will pay an APR between 15.99% to 22.99%, depending on creditworthiness.

What is the highest limit on a Capital One Platinum card? ›

Capital One does not list a maximum credit limit for the Capital One Platinum Credit Card.

Can I put a down payment on a house with a credit card? ›

You cannot use a credit card for a down payment on a house. Home sellers and lenders do not accept credit card payments directly.

What is the limit of a black card? ›

There's no credit limit

The American Express Black Card doesn't have a pre-set spending limit, so cardholders can spend as much as they want every month. But that's only the case if they can afford it. The Centurion® Card from American Express is a charge card, so cardholders can't carry a balance.

Can you pay a down payment with a credit card on a car? ›

Can you use a credit card for a car down payment? Putting a car down payment on a credit card is an option that many dealers are open to. Dealers may be more willing to allow this type of payment for the total amount, or a partial amount, of your car's down payment.

Is it free to replace Amex Platinum Card? ›

No matter what happened to your Card, it is quick, easy, and free to request a replacement Card online.

How much does a second Platinum Card cost? ›

Like all American Express Cards, the Platinum Card allows you to add Additional Card Members, commonly known as “authorized users,” to your account. The annual fee is $175 for up to three Additional Platinum Cards, then $175 for each Additional Platinum Card thereafter.

Does Capital One have 2 platinum cards? ›

Keyaira Sutton, WalletHub Analyst

Yes, you can have two Capital One Platinum cards. Applicants can have as many Capital One credit cards as their credit situation allows. This is the case both for different Capital One cards and two or more of the same credit card, as well.

What is the rarest Amex card? ›

The rarest Amex cards are the Centurion card, the Amex Business Centurion card, and the Corporate Centurion® Card from American Express.

What is the highest Amex card? ›

The highest level American Express card is the Centurion card, which is also known as the 'black card.

Is the Amex Platinum card rare? ›

Why It's One of the Most Exclusive Cards: The Business Platinum Amex Card's annual fee alone makes it exclusive, as your average small business owner probably won't want to shell out hundreds of dollars per year just for the privilege of having a particular card.

Can anyone get a Platinum Card? ›

It will be difficult for the average person to get the American Express Platinum card because of the card's 700+ credit score and reportedly high income requirements. Another reason why the American Express Platinum card may be hard to get is because of the card's daunting $695 annual fee.

Who gets a Platinum Card? ›

You will need to have a good credit history (and a score of 750 or above) and a high income in order to qualify. Howeer, you need to also look at whether the benefits are of use to you. Privileges: If you do not play golf, then a card that offers complimentary golf is not of much use.

Is Platinum Card higher than black? ›

Key Takeaways. The Black Card is an exclusive charge card offered to high-net-worth individuals by invitation only. The Platinum Card is one tier lower. Prospective cardholders may apply online and must meet minimum eligibility requirements.

What happens if you don't pay Amex platinum in full? ›

Interest charges accrue when you don't pay the bill off in full. Pay Over Time charges an interest rate that is the same across the Green, Gold and Platinum products. As of August 2020, cardholders who use the feature will pay an APR between 15.99% to 22.99%, depending on creditworthiness.

Can I have 2 Amex platinum? ›

In general, you can have multiple Amex Platinum cards, but you'll only be able to earn 1 welcome bonus.

Does the Platinum Card build credit? ›

Key Things to Know About Capital One Platinum

The card helps people build credit, as it reports account information to the 3 major credit bureaus each month. Cardholders do not earn rewards on purchases.

What is the max limit on Capital One platinum? ›

Capital One does not list a maximum credit limit for the Capital One Platinum Credit Card.

Does Capital One platinum increase limit? ›

Credit Limit Increase

With the Platinum Mastercard, you'll automatically be considered for a higher credit limit in as little as six months. Capital One will review your account and notify you if you've been approved for additional credit.

What's the highest credit limit Capital One will give? ›

The card's minimum credit limit is $5,000, so we expect a maximum limit similar to that of the Capital One Spark Cash for Business, $30,000 to $60,000.
...
10. Capital One Spark Miles for Business.
Intro PurchasesN/A
Annual Fee$0 intro for first year; $95 after that
Credit NeededExcellent, Good
2 more rows

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