Amex Platinum Offers Up to 175,000 Bonus Points with $895 Annual Fee

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American Express' flagship American Express Platinum Card® is firmly positioned as one of the top premium travel rewards cards on the market.

With an $895 annual fee (see rates and fees ), the Platinum delivers lounge access, hotel elite status, extensive statement credits and strong earning rates on flights and hotels.

Combined with a potentially valuable welcome offer for new applicants, the Platinum continues to offer exceptional rewards and travel perks for those who can maximize its benefits.

Here's a closer look at the current offer and what you'll get with the Amex Platinum.

Amex Platinum welcome offer

American Express takes a different approach to welcome offers for the Platinum compared to some of its other cards: Applicants must submit an application to see their personalized welcome offer, which is displayed before they accept and complete the process.

New Amex Platinum applicants can find out their offer and see if they're eligible for as high as 175,000 bonus points after spending $12,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

That welcome bonus is worth up to $3,500, according to TPG's July 2026 valuations . This personalized welcome offer structure is the standard application process for the Amex Platinum.

THE POINTS GUY The exact offer will be shown after you submit the application, with the spending requirement and time frame generally consistent across offers.

Viewing your personalized welcome offer typically won't affect your credit score because American Express generally performs a soft credit check during the initial application process.

If you're happy with the welcome offer and accept, American Express may perform a hard inquiry, although existing cardmembers are at times approved using information already on file.

You can decline to proceed if you want to wait or try to find a higher offer.

Since Amex has a one-bonus-per-lifetime restriction , it's worth trying to receive the highest personalized offer you're eligible for before applying.

Related: What is the difference between a hard and soft pull on your credit report?

Amex Platinum benefits

The Amex Platinum 's $895 annual fee may trigger some sticker shock. But when you dive into its long list of benefits, there's the potential to recoup that value — and then some.

Earning rates

5 points per dollar spent on flights booked directly with the airline or through American Express Travel® (on up to $500,000 in purchases per calendar year, then 1 point per dollar spent)

5 points per dollar spent on prepaid hotels booked with Amex Travel

1 point per dollar spent on other purchases

Statement credits

The card offers over $2,700 in potential annual value (including the prorated value of the Global Entry statement credit) if you maximize all of the statement credits:

Credit* Annual amount How it works

Airline fee Up to $200 per calendar year For incidental charges with an airline of your choice

Clear+ Up to $219 per calendar year For Clear+ airport security membership (automatic renewal applies)

Digital entertainment Up to $300 per calendar year Up to $25 monthly for select streaming subscriptions

Global Entry/TSA PreCheck Up to $120 every four years For Global Entry ($120) or TSA PreCheck (up to $85)

Hotel Up to $600 per calendar year Up to $300 semiannually for prepaid Fine Hotels + Resorts and The Hotel Collection bookings (two-night minimum for The Hotel Collection)

Lululemon

Up to $300 per calendar year Up to $75 quarterly for eligible purchases at Lululemon in the U.S. (excluding outlets) and lululemon.com

Oura Ring

Up to $200 per calendar year For an Oura Ring purchase (hardware only)

Resy Up to $400 per calendar year Up to $100 quarterly at U.S. Resy restaurants or for other eligible Resy dining purchases

Uber Cash Up to $200 per calendar year Up to $15 monthly Uber Cash for rides or dining in the U.S. (plus a $20 bonus in December) after adding your Amex Platinum to your Uber account; you can pay with any Amex card

Uber One membership Up to $120 per calendar year Membership covered for annual or monthly installments, subject to auto-renewal

Walmart+ Up to $155 per calendar year Covers cost of one monthly Walmart+ membership (up to $12.95), including taxes (subject to automatic renewal; Plus Ups excluded)

*Enrollment is required for select benefits.

Four Seasons Resort Seychelles. DANYAL AHMED/THE POINTS GUY Other card perks

Beyond its earning rates and credits, the Amex Platinum delivers a wide range of premium benefits*:

Lounge access: Eligible cardmembers receive entry to the American Express Global Lounge Collection , including Centurion Lounges, Delta Sky Clubs (when traveling on same-day Delta flights, except for basic economy tickets; up to 10 visits per calendar year unless you spend $75,000 in a calendar year to unlock unlimited visits) and Priority Pass Select lounges (excluding restaurants)

Hotel elite status: Complimentary Gold status with Hilton Honors and Marriott Bonvoy, plus Leaders Club Sterling Status with The Leading Hotels of the World

Comprehensive travel protections and shopping protections when using your card

No foreign transaction fees (see rates and fees )

*Enrollment is required for select benefits.

Related: Is the Amex Platinum worth the annual fee?

Bottom line

For travelers who regularly fly, stay at luxury hotels and can maximize the card's extensive statement credits, the Amex Platinum remains one of the most rewarding premium travel cards on the market.

Combined with the opportunity to receive a valuable welcome offer, now is a great time to see which personalized offer you're eligible for.

While its $895 annual fee is steep, those who maximize the Platinum's perks will find the card more than earns its place in their wallet.

To learn more, check out our full review of the American Express Platinum Card .

Apply here: American Express Platinum Card

For rates and fees of the Amex Platinum Card, click here .

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.