Travel rewards · issuer-sourced details

The Platinum Card® Details

This editorial reference brings the current issuer-sourced terms into one place. It is a selected-facts summary, not a ranking, offer comparison, or application guide.

Facts checked: 2026-10-14. Card terms, fees and benefits can change; review the issuer terms directly.

Card details at a glance

Issuer
American Express National Bank
Rewards ecosystem
American Express Membership Rewards® points
Annual fee
$895 annual fee for a Basic Card.
Foreign transaction fee
None.
Transferable points
Yes

Current offer

See issuer for current offer.

Official details for The Platinum Card®, opens in a new tab

This issuer link is informational. It is not a Camli application or prequalification link.

Selected earning categories

  • 5X Membership Rewards® points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 of those purchases per calendar year.
  • 5X Membership Rewards® points on prepaid hotels booked through AmexTravel.com.
  • 1X Membership Rewards® points on other purchases (terms and limitations apply).

Selected travel benefits

  • Trip Delay Insurance may reimburse certain additional expenses when a round trip is paid entirely with the eligible Card and a covered reason delays the trip more than six hours, subject to terms, conditions, and limitations.

Lounge access

Global Lounge Collection® access includes Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and select partner lounges; American Express states over 1,550 lounges as of 01/2026.

Transferable-points information

Membership Rewards points may be transferred to participating airline and hotel partner loyalty programs after the Rewards Account is linked to the qualifying partner account; transfers are final and partner terms apply.

Read the Points Transfer Guide for the existing issuer and partner reference data. Transfers can be final and do not establish award availability.

Factors to consider

The points below are neutral review prompts, not personal financial advice or a recommendation.

  • How the published annual fee and benefit conditions relate to the terms you are reviewing.
  • Whether the stated flight and prepaid-hotel earning conditions correspond to the booking methods you use.
  • The enrollment, access, partner, and final-transfer conditions in the issuer materials.

Official sources and terms

Source titles and links are provided for term review. Issuer terms control and may change.

Rates and fees (opens in a new tab)