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Compare up to 3 credit cards side-by-side to find the perfect match for your spending habits.
AME
travelThe Platinum Cardยฎ from American Express
American Express
Annual Fee
$395/year
$795/year
$895/year
Sign-up Bonus Value
$1388
$2563
$3500
Bonus Details
75,000 miles after $4,000 spend in 3 months + $300 travel credit
125,000 Ultimate Rewards points after $6,000 spend in 3 months
Up to 175,000 Membership Rewards points after $8,000 spend in 6 months
Rewards Rate
10X hotels/rentals via Capital One Travel, 5X flights via Capital One Travel, 2X everything else
8X Chase Travel, 4X flights & hotels booked direct, 3X dining, 1X everything else
5X on flights via Amex Travel, 5X on prepaid hotels via Amex Travel, 1X everything else
Our Rating
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4.9โ
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4.8โ
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4.7Best For
Best value premium travel card (effectively $95/year)
Frequent travelers maximizing premium perks
Luxury travelers who maximize statement credits
Key Perks
- โ$300 annual travel credit via Capital One Travel
- โCapital One Lounges + Priority Pass
- โ10,000 anniversary bonus miles ($185 value)
- โHertz President's Circle status
- โNo foreign transaction fees
- โUp to $500/year hotel credit via The Edit
- โUp to $300/year Sapphire Reserve Exclusive Tables dining credit
- โPriority Pass lounge access
- โGlobal Entry/TSA PreCheck credit
- โ1.5x point value on travel via Chase Portal
- โUp to $600/year hotel credit (FHR + Hotel Collection)
- โUp to $400/year Resy dining credit ($100/quarter)
- โUp to $300/year Lululemon credit ($75/quarter)
- โUp to $300/year digital entertainment credit ($25/month)
- โCenturion + Priority Pass lounge access
- โHilton Gold + Marriott Gold status
Pros
- +$300 credit + 10K miles makes effective fee ~$95
- +Growing lounge network
- +Simple 2X on everything
- +Highest-ever 125K welcome bonus
- +New $500 hotel + $300 dining credits
- +Premium lounge access
- +Up to 175K bonus (YMMV)
- +Over $1,500 in annual credits
- +Unmatched lounge network
Cons
- -Fewer transfer partners than Chase/Amex
- -Capital One lounges limited
- -$795 annual fee (up from $550)
- -Requires excellent credit
- -$895 annual fee
- -Credits require effort to maximize
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Need Help Choosing?
Our "Best Card For" guides break down the top picks for specific use cases like beginners, business travel, dining, and more.
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