Centurion Lounges, Priority Pass, Delta Sky Club (when flying Delta), Plaza Premium and more — the largest lounge network of any card
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The Platinum Card from American Express
Buy this for the lounge network and credits, not the rewards rate, since outside travel it earns a mediocre 1x. The $695 fee (as of 2026) only pencils out if you genuinely use the airline, hotel, and assorted lifestyle credits, which are split into monthly or category buckets that are easy to forget. A traveler who uses $700+ in credits comes out ahead; everyone else overpays versus the cheaper Venture X. Acceptance can be spotty at small merchants, and credit terms change, so check americanexpress.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓$200 credit toward airline fees
- ✓$200 toward hotels
- ✓Uber Cash
- ✓Covers Global Entry or TSA enrollment
- ✓Elite status at hotels
👍 Pros
- + Airport lounge access that few cards can match
- + A long list of statement credits
- + High-end concierge service and insurance
👎 Cons
- – Annual fee runs very high
- – Getting full value from the credits takes some work
Can you get it?
- ▸An excellent credit score
- ▸The credits and offers pay off most for people who travel a lot
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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