The Platinum Card® from American Express packs a lot of punch into its metal shell. That shouldn't come as much of a surprise, given that it's among the heaviest and most expensive of the publicly available premium cards.
While the current welcome offer alone is worth up to $3,500 (based on TPG's September 2025 valuations) and the luxury perks — including travel credits, elite status and lounge access* — can add several hundred dollars or more a year to its long-term value, most people considering the Amex Platinum will fixate on one number: the $895 annual fee (see rates and fees).
It's easy to make the case that the Amex Platinum can pay for itself over time, but that doesn't necessarily mean it's the right card for you. So, let's look at who should — and shouldn't — get the Amex Platinum.
A great solo travel tip spotted this week on The Points Guy Articles.
