ADVERTISEMENT

The Platinum Card from American Express
welcome bonus
Earn 80,000 125,000 Membership Rewards® Points(after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership)
credit brand
American Express®
rewards rate
5X points for flights booked directly with airlines or with American Express Travel. 5X points for prepaid hotels booked through American Express Travel
intro apr
N/A
regular apr
21.24% - 29.24% variable
foreign transaction fee
0%
credit needed
Good/Excellent
annual fee
$695
rate
4.7

Pros

150,000 Membership Rewards points signup bonus after spending $8,000 in 6 months.

Up to $200 airline fee credit and up to $200 Uber Cash annually.

Access to over 1,400 airport lounges worldwide.

Automatic Hilton Honors Gold and Marriott Bonvoy Gold Elite status.

Statement credits for purchases at Saks Fifth Avenue and global dining partners.

Cons

Steep $695 annual fee.

No introductory APR period.

High spending requirement to earn welcome bonus.

Credits and perks may not justify fee for casual spenders.

Why Choose It

The Amex Platinum offers tremendous value for frequent travelers and those who can maximize the many credits and lounge access perks. The airport lounge access itself offsets the annual fee, with all the other credits providing pure profit. Pair that with Gold status at top hotels, Uber discounts and an impressive signup bonus, this card delivers luxury. The main caveat is ensuring your lifestyle fits for routine air travelers and hotel guests, the Platinum is a premier choice.

ADVERTISEMENT

compare Cards

cover/name/rate
Welcome bonus
Annual fee
rewards rate
intro apr
regular apr
foreign transaction fee
credit needed
credit brand
The Platinum Card from American Express

The Platinum Card from American Express

4.7
Earn 80,000 125,000 Membership Rewards® Points(after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership)

Earn 80,000 125,000 Membership Rewards® Points(after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership)

$695

$695

5X points for flights booked directly with airlines or with American Express Travel. 5X points for prepaid hotels booked through American Express Travel

5X points for flights booked directly with airlines or with American Express Travel. 5X points for prepaid hotels booked through American Express Travel

N/A

N/A

21.24% - 29.24% variable

21.24% - 29.24% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

UBS Visa Infinite Business

UBS Visa Infinite Business

4.2
N/A

N/A

$550

$550

3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else

3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else

N/A

N/A

N/A

N/A

0%

0%

Excellent

Excellent

Visa®

Visa®

American Express® Gold Card

American Express® Gold Card

4.7
Earn 90,000 Membership Rewards® points after you spend $6,000 on eligible purchases within the first 6 months of card membership

Earn 90,000 Membership Rewards® points after you spend $6,000 on eligible purchases within the first 6 months of card membership

$250

$250

4X Points Restaurants. 4X Points Supermarkets. $120 Uber Cash on Gold. $120 Dining Credit. 3X Points Flights

4X Points Restaurants. 4X Points Supermarkets. $120 Uber Cash on Gold. $120 Dining Credit. 3X Points Flights

N/A

N/A

21.24% - 29.24% variable

21.24% - 29.24% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

articles
FICO and VantageScore: A Comparison of Different Credit Scoring Models
When it comes to credit scores, there are two major players in the game: FICO and VantageScore. Both companies provide credit scoring models that lenders use to determine creditworthiness. But what are the differences between these two models, and which one is better? In this article, we'll compare FICO and VantageScore and help you understand which one is right for you.
Reading
Credit Score Range: Understanding the Different Levels of Credit Ratings
Credit scores are an important part of modern life. They determine whether or not you can get a loan, rent an apartment, or even get a job. But how are credit scores categorized, and what do the different levels mean? In this article, we'll break down the credit score range and help you understand the different levels of credit ratings.
Reading