Cards · Amex
Platinum Card
The lounge card, with more credits than anyone actually uses.
Track this card in Cardful. Free, nothing to link.
Where it earns
The multipliers.
Paid in Membership Rewards, about 2.0¢ a point at RRV. Cardful ranks this card against the rest of your wallet for every purchase, using these rates and an honest point value.
Statement credits
$3,094.40 a year, if you use all of it.
Each credit runs on its own reset schedule, and each name opens the full breakdown of how it resets and where it is most often wasted. Cardful remembers partial use and reminds you before a window closes.
The honest read
Worth it, or not.
Worth it if
- 5× on flights booked direct and on prepaid hotels through Amex Travel.
- The widest lounge access of any card: Centurion, Priority Pass, Delta Sky Club when flying Delta.
- Used in full, the credits are worth more than three times the fee.
Think twice if
- The highest annual fee here, and it went up in 2025.
- Most of the value sits in monthly and quarterly windows (Uber, Walmart+, entertainment, Resy, lululemon) that need tracking.
- 1× on everyday spend, so it is not the card you reach for by default.
The fee
Is the fee worth it?
On paper the credits are worth $3,094.40 a year against a $895 fee. The honest question is which of them you will genuinely use. How the verdict works →
Platinum Card · $895 fee
Every credit used in full, no points counted
Almost nobody uses every credit in every window. Cardful tracks what you actually claim and gives the keep, downgrade or cancel verdict on your real renewal date.
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Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.
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