The Platinum Card from American Express
American Express · American Express
Frequent travellers who will use the statement credits. At $895 the credits are the product.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Flights booked direct or through Amex Travel Up to $500,000 per year | 5x |
Prepaid hotels booked through Amex Travel | 5x |
All other purchases | 1x |
Welcome bonus
Welcome offer varies by applicant, as high as 175,000 points.
Perks
- Excellent credit, roughly 720 and above
- Amex charge cards have no preset spending limit, so a purchase APR range is not published
Frequently asked questions
Is the The Platinum Card from American Express worth it?
It charges a $895 annual fee. It's best suited to frequent travellers who will use the statement credits. At $895 the credits are the product. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the The Platinum Card from American Express earn?
It earns 5x on flights booked direct or through amex travel, 5x on prepaid hotels booked through amex travel and 1x on all other purchases.
What credit score do you need for the The Platinum Card from American Express?
We'd suggest a score of around 720 or higher, which puts approval in our "hard" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“The Platinum Card from American Express Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/amex-platinum, updated August 2026.
- American Express published product page and cardholder agreement