people who spend heavily on travel and want travel rewards they can grow.
⚠ Think twice if
you will not use enough of its perks and credits to cover the $895 annual fee.
Earning rates
5x points on flights booked direct or via Amex Travel (up to $500k/yr)
5x on prepaid hotels via Amex Travel
Best ways to earn & redeem
Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its travel rate is among the stronger ones you will find in that category.
When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Features & benefits
$600 annual hotel credit on Fine Hotels + Resorts and The Hotel Collection stays (up to $300 semi-annually)
$400 Resy dining credit at U.S. Resy restaurants annually
$300 digital entertainment credit ($25/month on Disney+, Hulu, YouTube TV and more)
$300 Lululemon credit (up to $75 each quarter)
$300 Equinox or Equinox+ membership credit annually
$200 Oura Ring credit annually
$200 Uber Cash annually ($15/month plus a $20 bonus in December)
$120 Uber One membership credit annually
$200 airline fee credit on incidentals with one selected airline
$189 CLEAR Plus credit annually
Up to $12.95/month Walmart+ membership credit
Global Entry or TSA PreCheck application fee credit
Complimentary Leaders Club status with The Leading Hotels of the World
Automatic Marriott Bonvoy Gold and Hilton Honors Gold status
Access to 1,550+ airport lounges including Centurion Lounges and Priority Pass Select
No foreign transaction fees
Trip cancellation and interruption insurance, trip delay reimbursement, and baggage insurance
Purchase protection, extended warranty, and cell phone protection
Complimentary Hertz President's Circle, Avis Preferred, and National Emerald Club Executive elite rental status
Lounge access
The Centurion Lounge and Sidecar by The Centurion Lounge
Priority Pass Select membership, airport lounges only (U.S. Amex cards no longer include Priority Pass restaurants)
Delta Sky Club when flying Delta same-day: 10 visits per year, unlimited after $75,000 in annual spend; no free guests ($50 per guest)
Escape, Plaza Premium, Airspace and other Global Lounge Collection lounges, plus Lufthansa lounges through Sept 30, 2026 (1,550+ lounges across 500+ airports)
Statement credits
$600 hotel credit ($300 semi-annually)
$400 Resy dining credit annually
$300 digital entertainment credit ($25/month)
$300 Lululemon credit ($75/quarter)
$300 Equinox credit annually
$200 Oura Ring credit annually
$200 Uber Cash annually ($15/month)
$120 Uber One membership credit ($10/month)
$200 airline fee credit annually
$189 CLEAR Plus credit annually
$155 Walmart+ credit ($12.95/month)
Global Entry or TSA PreCheck fee credit (~$100)
Transfer partners
Your Membership Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:
The American Express® Platinum is an American Express transfer hub. Pair it with these strong Membership Rewards earners, whose points pool into it so you can transfer the combined balance.
