The Platinum Card
Travel Rewards Premium / High-End Rewards

The Platinum Card

American Express(Canada) American Express(Canada)
Welcome Bonus: Up to 100,000 Membership Rewards points
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Annual Fee $799
Purchase APR 21.99%
Cash Advance 21.99%
Bonus Value $1,000

RateBuddy Verdict

The Good
  • The $200 Annual Travel Credit and $200 Annual Dining Credit effectively cut the massive annual fee in half.
  • Unrivaled airport lounge access through the Global Lounge Collection, covering over 1,400 locations worldwide.
  • Includes automatic elite status upgrades for Marriott Bonvoy and Hilton Honors.
The Trade-offs
  • The $799 annual fee is extremely high and requires significant utilization of the travel perks to justify.
  • Adding an additional Platinum cardholder is very expensive at $250 per year.

Rewards & Earnings

Groceries 1%
Dining 2%
Gas 1%
Travel 2%
Recurring Bills 1%
Base Rate 1%
Rewards Summary: Earn 2X points on dining/food delivery and travel; 1X points on everything else. Earn 1 additional point on Amex Travel Online bookings.

Welcome Bonus Details

Earn up to 100,000 Membership Rewards points ($1,000 value). Includes $200 Annual Dining Credit and $200 Annual Travel Credit.

Estimated Value: $1,000

Features & Benefits

Airport Lounge Access
Access to 1,400+ global lounges
Travel Medical Insurance
Up to $5,000,000 for 15 days (under 65)
Car Rental Collision/Loss Damage Waiver
Coverage for vehicles up to $85,000 MSRP
Trip Cancellation/Interruption Insurance
Trip Cancellation up to $2,500/person
Extended Warranty Insurance
Buyer's Assurance extends warranty 1 year
Purchase Security Insurance
Purchase Protection for 120 days
Concierge Service
Platinum Concierge 24/7 access
NEXUS Application Fee Rebate
$100 NEXUS statement credit
Flight Delay Insurance
Flight delay up to $1,000
Baggage Delay/Loss Insurance
Baggage delay up to $1,000
Hotel Status Benefits
Hilton Honors Gold & Marriott Bonvoy Gold Elite
Priority Airport Services (Check-in, Boarding)
Pearson Priority Security Lane access
Special Event Access (e.g., Front Of The Line)
Front Of The Line® access
Hotel/Motel Burglary Insurance
Hotel Burglary up to $1,000

Insurance Coverage

Comprehensive travel suite: Emergency Medical ($5M, 15 days), Trip Cancellation ($2.5k), Trip Interruption ($2.5k), Flight/Baggage Delay, Car Rental Theft/Damage, and Shopping protections.

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR21.99%
Annual Fee$799
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Travel Rewards Premium / High-End Rewards
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