American Express · personal · american express
The Platinum Card
The $895 flagship for people who live in airport lounges — the Global Lounge access is genuinely best-in-class, but the fee is now a stack of use-it-or-lose-it credits (hotel, Resy, lululemon, Uber, CLEAR). Tally what you'll actually use before the coupon book bankrupts you.
Current public offer
Up to 175,000 Membership Rewards points after $12,000 spend in 6 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $895 (Increased to $895 with the Jan 2026 refresh)
- Suggested credit: Excellent (720+)
- No foreign transaction fee ✓
Earning
- 5x flights booked direct or via AmexTravel (to $500k/yr) & prepaid hotels via AmexTravel
- 1x everything else
Transfer partners
Delta · British Airways · ANA · Air Canada · Flying Blue · Emirates · Hawaiian · JetBlue · Singapore · Virgin Atlantic · Hilton · Marriott · Choice
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.