American Express The Platinum Card from American Express Reviews

Keeps the Amex Platinum because it more than pays for itself through credits and benefits.

The Equinox credit covers much of their Amex Platinum fee.

Finds the Amex Platinum credits more useful than the Sapphire Reserve's and its hotel credits better priced.

A longtime Amex Platinum holder whose family uses its lounges, insurance, streaming and Lululemon credits.

Amex reimbursed a lost ring a month after purchase under the Platinum purchase protection, no questions asked.

Gets far more than the annual fee from the Platinum even without the hotel credit.

Finds most Amex Platinum credits, like Lululemon and Resy, easy to justify in their first year.

Hit the bonus with existing expenses and enjoys maximizing the benefits.

Resy, Lululemon and airline credits cover spending they would do anyway.

Switched to the Amex Platinum and has been able to earn back its fee, sometimes with retention offers.

The Resy credit brought them back to two nearby restaurants they like.

Combines the Resy credit with a free night for local weekend trips and buys work pants at Lululemon.

Planned to cancel, but the new credits plus Centurion visits are worth more than the fee.

Was going to cancel, but the YouTube TV, Resy and Uber credits now cover the fee with lounges.

Resy, airline, hotel and Uber credits are easy wins; the refresh is a big improvement for them.

Gets more than enough value from lounges, FHR, airline, entertainment, Uber and Clear credits.

The Platinum more than covers its cost with Walmart+, streaming and an annual splurge weekend.

Resy, subscription and Uber credits put them ahead before travel benefits.

Keeps the Schwab Platinum for flights, hotels, lounges and credits.

Gets Delta and Centurion lounge access, hotel and Hertz status, and uses the Uber, airline, Resy, digital and Walmart+ benefits on the Amex Platinum.

Holds both and expects more value from the Amex Platinum.

Uses the Amex Platinum for flights and Fine Hotels, and its digital, Walmart+ and Uber credits cover the fee.

Uses most Amex Platinum credits, including Uber Eats, YouTube, the airline fee credit and Resy dining, which they find easier than Chase Dining.

Uses many credits organically and especially values the $400 Resy credit.

Comes out ahead on the monthly Uber credit.

Naturally uses most credits, valuing the Equinox, Saks and Oura ones at zero.

Keeps finding more value in the Platinum's Lululemon, Resy and subscription credits.

Finds the Platinum easier to recoup than the Sapphire Reserve.

Platinum perks cover the fee and are easier to use than Chase's.

Gets a lot of value from the Resy credit via gift cards.

Used the Resy credit at their favorite steakhouse.

Resy, THC and streaming credits they'd use anyway leave them net positive.

The household Platinum's new benefits have been incredibly easy to use.

Has both and finds the Amex Platinum dining and hotel credits far better.

The Platinum Resy credit works at a restaurant they already use nearby.

Resy, digital entertainment, Walmart+ and airline credits nearly cover the fee, plus lounges.

Lululemon, Resy and entertainment credits fit their spending; the card gained value this year.

Five Platinum credits are as good as cash to them.

Credits they'd use anyway exceed the fee, plus regular lounge and hotel status use.

Uses Platinum credits organically and finds FHR property credits offset pricier hotels.

Very happy with the refreshed Platinum credits, worth about $500 more to them.

Can use the refreshed Platinum credits well, especially the FHR credit.

Booked business class to Kenya through the Amex Platinum International Airline Program for about half the airline's price.

Uses Uber constantly and gets the full Uber credit value.

Uses at least the Amex Platinum fee's worth of credits in normal spending.

The Equinox credit worked on a gift card in NYC.

Uses nearly all the Platinum credits and values its protections.

A big vehicle purchase on the Platinum was easy and earned points.

Always uses the full Resy credit in NYC.

Keeps the Amex Platinum because the Lululemon, Resy, airline and Clear credits more than pay for it.

Uses the Amex Platinum Lululemon, hotel, streaming, airline and dining credits.

Has used the Amex Platinum cell phone, purchase and return protection successfully.

After the refresh the Resy, airline and Lululemon credits easily cover the fee.

Uses the Uber, airline, Walmart+, Lululemon and entertainment credits they would use anyway.

The Amex Platinum has benefits they can actually use, unlike the refreshed Sapphire Reserve.

Credits on things they already buy.

Uses the Saks and Lululemon credits on things they'd buy.

A spreadsheet showed credits they'd use anyway cover the fee before extras.

Moved Walmart+ and Uber One onto the Platinum to use the credits.

Comes out several hundred dollars above the fee on things they already bought.

Loves the refresh; hotel and streaming credits alone cover the fee.

Resy, entertainment and Uber credits alone pay for the card.

Resy, digital entertainment and airline credits alone make it worth it.

Uber, Resy, airline and YouTube credits make the fee worth it.

Likes the Walmart+ credit for delivery and Paramount+.

Finds Walmart+ saves time and money versus Instacart.

The Uber credit has come in clutch on Uber Eats.

Uses Walmart+ a lot since getting the Platinum.

Has saved $700 in their first half year with the Amex Platinum, which they find easier than Chase's credits.

Uses the Amex Platinum Walmart+, entertainment, hotel and monthly Uber credits regularly.

Loves the Platinum: easy streaming, Uber, airline and FHR credits plus lounges and hotel status.

Gets decent value from Amex offers across their cards.

Keeps the personal Platinum for 5x flights booked direct and uses FHR.

The Equinox spa credit posted after a facial.

Their household uses the Platinum benefits across five cards and finds Uber great.

Got more than the fee in value from credits and hotel perks within a year in NYC.

Nets about $700 a year on the Schwab Platinum from credits, Clear and lounges.

Likes 5x on direct flights and the lounges but finds 1x elsewhere pathetic.

Extracts more than the fee in credits for things they pay for anyway.

A self-audit shows they barely outpace the fee; streaming credits often needed manual fixes.

New Schwab Platinum holder already used the airline credit and values lounges highly.

Kept it because the Uber, Walmart+, Disney bundle, Saks, travel bank and Clear credits are easy to use.

Keeps the Platinum because the Uber, Saks, Clear and airline credits break even, though the hotel credit is hard to use.

Kept the Platinum after a trip because the credits give a lot of value.

Uses Uber, airline, Saks, Equinox, hotel status and FHR value.

Still comes out ahead on credits despite the Sky Club cuts and will renew.

Uses almost all the Platinum benefits and the card pays for itself.

The Amex Platinum's credits more than offset its fee for them without forcing portal bookings.

The Amex Platinum airline, digital, Clear and Uber credits cover spending they already had.

Spends heavily on airlines and finds the Amex Platinum credits, offers and service better than the CSR.

Fully uses the Amex Platinum airline, Uber and entertainment credits, with a corporate fee discount.

NYC couple gets well over the fee in value from Uber, streaming, FHR, Saks and offers.

Got large value from offers, FHR and credits without flying.

Planned to cancel but the credits they use add up, so they're keeping it.

NYC couple gets more than the fee from Uber, Clear, entertainment, airline credits and lounges.

Gets full value and is treating themselves to an FHR weekend in Savannah.

Made back the fee in six months with points for Hilton nights plus Uber, Saks and airline credits.

Streaming, Uber and airline credits nearly cover the fee, leaving lounges and Clear cheap.

Expects to get the fees' worth from several Platinums this year despite the TravelBank change.

Decided to keep the Platinum after the new credits and Uber Eats credits.

Uses the Amex Platinum airline, Uber and Saks credits, including on a Kiehl's lotion they now use daily.

Rarely rides Uber so uses the credit on Uber Eats burritos, getting about ten free lunches a year.

Barely puts spend on the Platinum, keeping it for flights, prepaid hotels and roadside assistance.

Likes the Uber credits, using the Platinum for a free ride and the Sapphire Reserve credit for the way home.

Only puts spend on the Platinum for big purchases covered by its purchase protection.

Earns well on airfare with 5x and gets more than the fee from credits.

Clear, Uber, airline and streaming credits they use anyway exceed the fee.

United Travel Bank, Saks, Uber, Clear and FHR date nights more than pay for the card.

Gets a ton of value from FHR, offers, credits and protections without effort.

Prefers the Platinum for credits and 5x flights after finding the Reserve's lounges lacking.

Walmart+, streaming, Clear, Uber, Saks and airline credits put them well ahead of the fee.

Saks, Uber, airline and streaming credits break even; the hotel credit is harder.

Gets at least $1,000 in value every year.

Saved hundreds with offers on things they already buy.

The credits make the fee cost-neutral; their AU likes the Centurion lounges.

Keeps the Platinum for 5x on any airline plus Centurion and Priority Pass access.

Renews every year because the credits exceed the fee.

Keeping the Platinum because they use the credits.

Uses the Amex Platinum much more than the CSR because of its credits.

Comes out ahead on Amex Platinum credits alone and likes 5x on flights booked direct.

Values the Amex Platinum's service, presales, credits, purchase protection and 5x on flights.

Easily offsets the fee with credits and values lounges, Clear and FHR; their favorite card.

Makes back the fee in credits during the year.

Frequent traveler gets full value from Uber, entertainment, airline and hotel credits.

Uses the Centurion lounges, Uber, Clear and entertainment credits and finds it worth it.

Got the Clear credit for themselves and a spouse as two charges that Amex both credited.

Got about $850 in usable credits in their first year.

Uses Equinox and Audible credits and Amex Travel, so comes out ahead.

Did the airline credit in $50 gift card increments and was credited two days later.

Uses the airline credit on AA gift cards and sells them for about $90 in hotels.com cards.

Uses the Uber credit on UberEats to subsidize one meal a month.

Frequent flier keeper: 5x airfare and an easily used Uber credit.

Extremely happy with the value from Amex, using ANA transfers, offers, Uber Eats and return protection.

Uses the Uber credit on Uber Eats for about $15 of free food a month.

Has not used the Platinum for purchases in so long they forgot what it looks like.

The Amex Platinum airline credit, TSA fee credit and presale ticket access paid for the card in its first year.

Signed up for Pay Over Time on a targeted offer and got 10K MR points the next day.

Airline credit reimbursed plus 800 extra miles from a MileagePlus X purchase.

Easily justifies the Amex Platinum fee with the airline, hotel, Uber and streaming credits.

Gets streaming, Uber, hotel and airline credits and pairs it with the Preferred.

Easily uses the Saks, Uber, FHR, Clear and airline credits.

Uses the airline, streaming, hotel and Uber credits they'd pay for anyway.

Uses the Uber, airline and entertainment credits in full and keeps lounge access.

Keeps both Platinums; the Equinox credit alone puts them ahead.

Comes out ahead on credits alone without lounge access.

Streaming, airline and Clear credits they'd use anyway keep them ahead.

The Amex Platinum entertainment and Uber credits cover their Hulu, NYT and Uber Eats spending.

Their natural spending covers almost all of the Amex Platinum fee.

The card pays for itself through its credits plus 5x on flights.

A few credits shrink the fee and travel benefits make it worth it.

Both spouses use FHR, airline, Uber and streaming credits, status matches and lounges.

Used the Platinum bonus points for a first-class flight to South Korea.

Uses the Equinox, entertainment and Uber credits, mostly organically.

Booked a cheaper business-class fare to Asia through Amex.

Enjoys the lounges, airline and Clear credits, and offers like $80 off Amazon.

Uses the Equinox, Hulu and Uber credits easily in the city.

Covered their whole family's Clear memberships with the Platinum credit.

Found the pandemic credits a fantastic offset to the Platinum's fee.

The Amex Platinum Uber credit offsets real Uber and Uber Eats spending for them.

The Platinum gets the best Amex Offers of their five or six Amex cards.

Amex Offers on the Platinum skew to high-end stores and restaurants they never use.

Got the full 100k Platinum bonus with no manufactured spending.

Cancelling the Platinum because the Sapphire Reserve earns faster, with easier service and a lower fee.

Confirmed 5x points on airline-direct tickets and Delta eGift cards.

Airline credit test through the MPX app was reimbursed within days.

Paid for two Global Entry applications and got two $100 statement credits.

Would keep the Platinum if they could keep only one card.

A $200 airline gift card purchase was reimbursed four days later.