Platinum Review 2026
You may be eligible for as high as 175,000 Membership Rewards points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and y
Your card estimate
Net first-year value
First year
+$405
Base rewards + bonus - fee - interest drag
Ongoing year
-$395
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $1,500 in rewards.
SwitchWize take
Rewards credit card
Bonus value
$800
Rewards
5x points
Annual fee
$695
APR
21.24%-28.49%
Pros & cons
- Strong rewards rate (5%)
- Sign-up bonus worth $800
- Annual fee: $695
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$695 annual fee
21.24%-28.49% variable
Spend requirement: $8,000 in first 6 months
American Express terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $695 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set