5倍 积分 Membership Rewards® Points on flights purchased directly from airlines or through American Express Travel® on up to $500
编辑精选：奢华旅行礼遇
年费
895 美元
奖励率
1倍-5倍 ?
积分优惠活动
最高 175,000 ?
积分常规年利率
推荐信用评分获取您的免费信用评分
奖励明细
- 5x 积分 Membership Rewards® Points on flights purchased directly from airlines or through American Express Travel® on up to $500
- 5x 积分 Membership Rewards® Points on prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts®
- 1x 积分 用于其他消费。
卡片详情
- 申请以了解你的欢迎礼。欢迎礼因人而异；提交申请可查看是否获批及确切欢迎礼金额，通常不影响信用评分。若获批并接受该卡，信用评分可能会受影响。
- 通过 American Express Travel® 购买航班与预付酒店（含 Fine Hotels + Resorts® 与 The Hotel Collection）可赚 5 倍 Membership Rewards® 积分；直接向航司或通过 Amex Travel 购买航班，每个日历年最多 $500,000 可享 5 倍。
- 加入 Global Lounge Collection（年价值超 $850），可用 Centurion Lounges、符合条件的 Delta Sky Club 访问（有次数限制）、Priority Pass™（须报名）及其他合作贵宾室——合作贵宾室数量居业界前列。
- 将 Platinum Card® 绑定 Uber 账户后，每月可获 $15 Uber Cash，12 月另有 $20 奖励，可用于美国出行与点餐；并可享 Uber One 相关权益（以发卡行说明为准）。
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
- $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
费率及费用
- 年费
- 895 美元
- 最低押金
- 不适用
- 常规年利率
- 购卡介绍期 APR
- 不适用
- 余额转移介绍期 APR
- 不适用
EasyDecide 的观点
优点
- 奖励类别
- 转会伙伴
- 奢华礼遇
- 贵宾室会籍
- 自动精英会籍
缺点
- 需缴纳年费
- 复杂的回报
- 需要良好/优秀的信用记录
总结
高年费、厚权益：休息室、旅行平台加成、生活方式抵扣是主菜。适合已经能「用满」多数抵扣的重度旅行者；否则年费压力会很明显。
优缺点
优点
- 奖励类别
- 转会伙伴
- 奢华礼遇
- 贵宾室会籍
- 自动精英会籍
缺点
- 需缴纳年费
- 复杂的回报
- 需要良好/优秀的信用记录
详细评测
American Express Platinum Card® 卡：基础信息
年费 895 美元，常规年利率 ，推荐信用评分 。EasyDecide 评分 5.0。
欢迎礼因人而异，申请前先了解是否有资格；权益多需要主动报名/关联账户。
奖励怎么赚
展开上方「奖励明细」可查看完整倍率与类别说明。旅行门户、餐饮、杂货等加成往往决定这张卡是否划算；若你很少命中加成类别，长期价值会下降。
积分 / 返现大概值多少
旅行积分经门户兑换或转移到合作航司/酒店时，单位价值通常高于直接现金返还；具体取决于航司计划与兑换方式。现金返还卡则更接近面值回血，适合追求简单的持卡人。
奖励怎么用
优先用门户兑换或转移伙伴抬高价值（如适用）。也可用积分/返现做账单抵扣或礼品卡。点击「立即申请」将前往发卡行网站，本站不代为开户。
和同类卡怎么比
可从下方「对比其他卡片」挑 2–3 张加入比较托盘，并排看年费、开卡礼、奖励结构与优缺点；不要只看单页评分。
权益与亮点
- 申请以了解你的欢迎礼。欢迎礼因人而异；提交申请可查看是否获批及确切欢迎礼金额，通常不影响信用评分。若获批并接受该卡，信用评分可能会受影响。
- 通过 American Express Travel® 购买航班与预付酒店（含 Fine Hotels + Resorts® 与 The Hotel Collection）可赚 5 倍 Membership Rewards® 积分；直接向航司或通过 Amex Travel 购买航班，每个日历年最多 $500,000 可享 5 倍。
- 加入 Global Lounge Collection（年价值超 $850），可用 Centurion Lounges、符合条件的 Delta Sky Club 访问（有次数限制）、Priority Pass™（须报名）及其他合作贵宾室——合作贵宾室数量居业界前列。
- 将 Platinum Card® 绑定 Uber 账户后，每月可获 $15 Uber Cash，12 月另有 $20 奖励，可用于美国出行与点餐；并可享 Uber One 相关权益（以发卡行说明为准）。
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
缺点与注意事项
- 需缴纳年费
- 复杂的回报
- 需要良好/优秀的信用记录
奖励结构越灵活往往越复杂。若你偏好「所有消费统一返现、不用操心类别」，更简单的无年费现金返还卡可能更合适。
如何判断适不适合你
适合你：经常命中加成类别、愿意使用奖励门户或转移伙伴、能接受年费结构（如有）。不太适合：几乎不旅行/外食、不想研究兑换、或信用资质暂时达不到建议区间。
对比其他卡片
常见问题
American Express Platinum Card® 卡 的奖励怎么算？
请展开上方「奖励明细」查看各类别倍率/比例。实际入账以发卡行对商户类别（MCC）判定为准。
积分/里程价值大概多少？
旅行兑换或转移至合作伙伴时，单位奖励价值通常高于简单现金返还；具体取决于航司/酒店计划与兑换方式。
奖励会过期吗？
多数主流奖励卡在账户保持有效期间奖励不过期，但仍以发卡行条款为准；销户或严重违约可能导致作废。
需要什么信用评分？
本页建议区间为 。审批结果因人而异，获批与否由发卡行决定。
和同类卡怎么选？
可对比年费、开卡礼、日常奖励类别、国际受理与旅行权益。若更看重「简单现金返还」，可考虑无年费现金返还卡；若看重高端休息室与大额抵扣，可看更高端产品。