The Amex Platinum Card 2025 costs $695 per year. That’s a lot for any credit card. So the big question is—is it still worth it in 2025?
Let’s break down the real value of this premium card. We’ll look at what you get, how to use the perks, and who should skip it.
What Is the Amex Platinum Card?
The Amex Platinum Card is a high-end credit card made for people who travel often. It offers big rewards, travel perks, and luxury extras. But it also comes with a high annual fee—$695.
Top Amex Platinum Card 2025 Benefits
Here’s what you get for $695. If you use these, the card can pay for itself.
1. Airport Lounge Access
- Free entry to 1,400+ lounges around the world.
- Includes Centurion Lounges, Priority Pass, and Delta Sky Clubs (if flying Delta).
2. $200 Airline Fee Credit
- Covers bag fees, seat upgrades, and more.
- You pick one airline for the credit.
3. $200 Hotel Credit
- For prepaid stays at Fine Hotels + Resorts or The Hotel Collection.
- Must book through Amex Travel.
4. $240 Digital Entertainment Credit
- Covers streaming services like Disney+, Peacock, and The New York Times.
- Paid monthly: $20 per month.
5. $189 CLEAR Plus Credit
- Speeds you through airport security.
6. $100 Global Entry or TSA PreCheck Credit
- One credit every four or five years.
7. $155 Walmart+ Credit
- Covers monthly fees for Walmart+.
8. 5X Points on Travel
- Earn 5 points per dollar on flights and hotels booked through Amex Travel.
9. Hotel Status Upgrades
- Get Hilton Honors Gold and Marriott Bonvoy Gold status.
10. No Foreign Transaction Fees
- Great for spending abroad.
How Much Are the Perks Worth?
Here’s a basic value breakdown if you use the benefits each year:
PerkValue
Lounge Access $500+
Airline Fee Credit $200
Hotel Credit $200
Digital Streaming Credit $240
CLEAR Credit $189
Walmart+ Credit $155
Global Entry/TSA PreCheck $100 (every 5 yrs)
Total $1,400+ value
That’s over $1,400 in perks, more than double the fee. But you must use the perks to get that value.
Who Should Get the Amex Platinum Card?
This card is great for:
- Frequent travelers who use lounges
- People who fly at least 2–3 times per year
- Those who book hotels through Amex Travel
- Users who will use the streaming and Walmart+ credits
If you won’t use at least half of the perks, the card may not be worth it.
Who Should Avoid It?
Skip the Amex Platinum if:
- You don’t travel much
- You prefer cash back over travel rewards
- You don’t want to track multiple credits
- You want a simple, low-fee card
There are cheaper cards with solid perks, like the Chase Sapphire Preferred or Amex Gold Card.
Other Things to Know in 2025
- Credit score needed: 700+
- It’s a charge card, not a typical credit card
- You must pay in full each month or use Pay Over Time
- Authorized users cost $195 each but get lounge perks too
- Customer service is top-notch
Is It Worth $695 in 2025?
Yes—but only if you use it.
If you travel often, the lounge access alone can make it worth the cost. Add in hotel perks, streaming credits, and more—it becomes a smart choice.
But if you don’t travel or won’t use the extras, the fee is too high.
Final Verdict
Amex Platinum Card 2025 is still one of the best travel cards out there. The perks are real. The value is solid—if you travel and use the credits.
For the right person, it’s a smart buy. For the rest, a simpler, cheaper card might make more sense.
FAQs : Amex Platinum Card 2025
Q1: Is Amex Platinum worth it in 2025?
A: Yes, if you travel often and use most of the benefits.
Q2: What is the Amex Platinum annual fee in 2025?
A: The fee is $695 per year.
Q3: What credit score is needed for Amex Platinum?
A: You’ll usually need a score of 700 or higher.
Q4: Do I get lounge access with Amex Platinum?
A: Yes. You get access to over 1,400 airport lounges worldwide.
Q5: What rewards do I earn with Amex Platinum?
A: You earn 5X points on flights and hotels booked through Amex Travel.
Q6: What are the travel credits with Amex Platinum?
A: You get $200 airline fee credit, $200 hotel credit, and CLEAR and Global Entry credits.
Q7: Are there any foreign transaction fees?
A: No. There are no fees for using the card abroad.
Q8: What streaming services are covered in 2025?
A: Disney+, Peacock, Hulu, ESPN+, Audible, and more.
Q9: Can I add users to Amex Platinum?
A: Yes, but each extra card costs $195 per year.
Q10: What’s better—Amex Platinum or Chase Sapphire Reserve?
A: It depends. Platinum has better lounges. Sapphire has better travel protections.
