Is the Amex Platinum worth the annual fee?

they can enjoy a range of benefits such as room upgrades, late check-out, complimentary breakfast, and more. This program is available at over 1,000 luxury properties worldwide and can provide additional value to cardholders.

Travel insurance

The Amex Platinum Card also offers a range of travel insurance benefits to provide peace of mind when you’re on the go. These include trip cancellation and interruption insurance, baggage loss and delay insurance, and car rental loss and damage insurance. Terms and conditions apply, so it’s important to review the details of these benefits before relying on them.

Concierge service

One of the standout features of the Amex Platinum Card is its concierge service. Cardholders have access to a dedicated team of concierge professionals who can assist with a range of tasks and requests, from booking dinner reservations to arranging travel itineraries. This service can save cardholders time and effort and add an extra level of convenience to their travel experiences.

Transferable points

One of the key benefits of the Amex Platinum Card is its Membership Rewards program. Cardholders earn Membership Rewards points for every dollar spent on eligible purchases, and these points can be transferred to a variety of airline and hotel loyalty programs. This flexibility allows cardholders to maximize the value of their points and redeem them for premium travel experiences.

Additional benefits

In addition to the benefits mentioned above, the Amex Platinum Card offers a range of other perks and features. These include access to the Global Dining Collection, which provides exclusive dining experiences and reservations at top restaurants around the world. Cardholders also receive complimentary access to premium benefits with luxury hotel partners, such as complimentary breakfast, room upgrades, and late check-out.

Is the annual fee worth it?

With an annual fee of $695, the Amex Platinum Card is undeniably expensive. However, when you consider the range of benefits and features it offers, the annual fee can be justified for frequent travelers who can take full advantage of the card’s perks. The statement credits alone can offset a significant portion of the annual fee, and the earning potential and transferable points can provide additional value.

Ultimately, whether the annual fee is worth it depends on your individual travel habits and preferences. If you frequently stay in luxury hotels, enjoy access to airport lounges, and value the convenience and peace of mind that premium travel rewards cards offer, the Amex Platinum Card may be a worthwhile investment. However, if you rarely travel or prefer more cost-effective options, there may be other cards that better suit your needs.


The Amex Platinum Card is undeniably a top-tier premium travel rewards card. With its range of benefits, statement credits, and earning potential, it offers significant value to frequent travelers. However, the high annual fee may be a deterrent for some consumers. It’s important to carefully consider your travel habits and preferences before deciding whether the Amex Platinum Card is the right choice for you.

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