American Express Platinum

Personal

American Express

$895 Annual Fee

Reward Categories

Airfare

All purchases

3.5%

Limit: Platinum Airfare

Airfare (Portal)

Portal not Required.

3.5%

Limit: Platinum Airfare

Hotels (Portal)

All purchases

3.5%

All Other

All purchases

0.7%

Welcome Bonus

80,000 Points

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

Fees & Features

Annual Fee

$895

Foreign Transaction

No Fees

Transfer Partners

Not Available

Travel Portal

Not Available

Application Rules

Amex 1/10

Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.

Amex 3/90

You'll be declined if you apply for a fourth Amex card in 90 days.

No 5/24

Card approval not subject to 5-personal-cards-in-24-months rule

Amex Family

Amex will most likely disqualify you from receiving the welcome offer on lower-tier cards if you've previously held the higher-tier cards within the same card family. Note: The rule doesn't apply to business cards but if they apply it in the future, it'll be retroactive, and you won't be able to get lower card bonuses if you have a higher bonus card.

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