AMERICAN EXPRESS / PREMIUM
American Express Platinumfees & costs
A premium card with an $895 annual fee and no foreign-transaction fee. Its additional-card options have different costs and benefits.
U.S. consumer card · Reviewed
Fee breakdown
Published fees for the U.S. consumer product. Your offer or existing card agreement may differ.
| Annual membership | $895 per year. Source |
|---|---|
| Foreign transactions | No issuer foreign-transaction fee. Source |
| Additional cards | $195 annually per Additional Platinum Card. Companion Platinum Cards have no additional annual fee and different benefits. Source |
| Other charges & APR | Review the issuer's current pricing disclosure for interest rates, transfer and cash-advance fees, late charges, and any installment-plan charges not listed above. Current offer and terms |
A foreign-transaction fee is separate from exchange rates, ATM charges or fees imposed by a merchant. Fee examples exclude these costs.
A SIMPLE EXAMPLE
$895 in yearly fees
With $1,000 in foreign purchases: $895 annual fee + $0 foreign-transaction fees = $895.
Illustration only. No interest, other fees, rewards or credits are included.
Try your own spending amount →What the card offers
Earn Membership Rewards points and access eligible travel and lifestyle benefits. Review the terms for enrollment requirements, qualifying purchases and limits. Rewards terms
When to compare it
Compare it if you already use the travel and lifestyle services covered by its benefits. Base your value estimate on realistic use, not the sum of all advertised credits.
What to watch
Additional Platinum Cards and Companion Platinum Cards do not have identical benefits. A no-fee companion card should not be assumed to include full lounge access.
Issuer sources & review notes
Reviewed October 13, 2026. These are direct issuer links. Published fees can change and offers can vary by applicant or channel. Before applying, use the current rates-and-fees disclosure for the offer you receive.
- American Express Platinum: official card and offer terms
- American Express: Platinum annual and additional-card fees
- American Express Platinum: benefit terms and foreign transactions
FeeHQ provides general cost information, not personalized financial advice. We do not guarantee approval, benefits or savings.