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

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • 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 AmexTravel.com. 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
N/A
N/A
16.24% - 23.24% Pay Over Time
$695
Excellent

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Air Miles
(Ranked #13 out of 39)
★★★★★
4.7
Best Overall
(Ranked #22 out of 155)
★★★★★
4.7
Excellent Credit
(Ranked #18 out of 61)
★★★★★
4.7
Points & Gifts
(Ranked #27 out of 36)
★★★★
4.4

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.