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The Platinum Card®
The ultimate travel and lifestyle card with over $3,500 in annual value and global lounge access.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Welcome Offer: 175,000 Points (Spend $8k in 6 months)
- Over $3,500 in annual value from credits and perks
- Access to 1,550+ lounges (Centurion, Delta, Priority Pass)
- 5X Points on Flights & Prepaid Hotels via Amex Travel
- Elite Status: Hilton Gold, Marriott Bonvoy Gold, Leaders Club Sterling
The Bad
- High Annual Fee ($895)
- Credits require enrollment and specific usage (must use designated vendors)
- Centurion guest access requires $75k spend
- Rates and fees apply
Lounge Access
6 lounge networks included
Guest Policy
2 guests Centurion / 10 Delta Sky Club visits/year
Purchase APR
See Pay Over Time APR in account
Credit Score
Excellent (Good Credit)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real $895 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- $400/yr
- Annual fee
- $895/yr
- Net for your usage
- -$495
At $50 per visit, you cover the fee at about 18 visits per year. This card opens 440 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
175,000 Membership Rewards® Points
Offer Terms & Eligibility:
Spend $8,000 in first 6 months. Offer may vary.Lounge Networks
6 IncludedAdditional Travel Perks
Lounges The Platinum Card® Opens
440 lounges tracked across 181 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 169 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Centurion Lounge and Priority Pass Select lounges are available at hundreds of airports worldwide