The Ultimate Guide to Credit Cards
Thursday, May 26, 2022

The Platinum Card®

► 2022 Review, Application & Rates

"The Platinum Card® is notoriously found in the wallets of well-traveled, high-earners. I prefer the comparable Chase Sapphire Reserve® card for its greater rewards flexibility that appeals to consumers who want more than flight and hotel rewards."
- Toby Sembower,
Advertiser Disclosure
The Platinum Card® Review

at the issuer'ssecure website





  • Earn 150,000 Membership Rewards® points after you use your new card to make $6,000 in purchases in your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on Earn 1X points on all other purchases.
  • $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $100 annual Saks Fifth Avenue credit, and more.
  • Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 650 cities.
  • Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
  • Choose among three card designs
  • Fee Credit for Global Entry or TSA Pre✓®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
16.24% - 23.24% Pay Over Time

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Air Miles
(Ranked #13 out of 39)
Best Overall
(Ranked #22 out of 155)
Excellent Credit
(Ranked #18 out of 61)
Points & Gifts
(Ranked #27 out of 36)

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