The Platinum Card® from American Specific raised its annual charge to $895 (see charges and costs) in its newest refresh. Nonetheless, American Specific additionally added extra advantages to the cardboard’s lengthy listing of perks.
As an Amex Platinum cardmember, you earn 5 factors per greenback spent on flights booked straight with airways or by way of American Specific Journey® (on as much as $500,000 of those purchases per calendar yr, then 1 level per greenback) and 5 factors per greenback spent on pay as you go motels and flights booked via American Specific Journey. Plus, you may obtain Amex Centurion Lounge entry and a Precedence Move™ membership.
New cardmembers can discover out their provide and could also be eligible for as excessive as 175,000 bonus factors after spending $8,000 in eligible purchases on their new card within the first six months of card membership. Welcome provides range and also you is probably not eligible for a suggestion.
Per TPG’s September 2025 valuations, you might earn as much as $3,500 in worth with this provide.
With so many advantages to trace, some Amex Platinum cardmembers really feel like their card takes an excessive amount of effort to maximise. In that case, a unique journey rewards card might be a greater possibility.
For those who’re debating whether or not to maintain your Amex Platinum, contemplate switching to one in every of these 10 rewards bank cards.
One of the best playing cards to exchange your Amex Platinum
Associated: One of the best premium bank cards: A side-by-side comparability
Capital One Enterprise X Rewards Credit score Card
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The cardboard earns 10 miles per greenback spent on motels and rental automobiles booked via Capital One’s journey reserving website, 5 miles per greenback spent on flights and trip leases booked via Capital One’s journey reserving website and a pair of miles per greenback spent on all different purchases.
Plus, as a brand new cardmember, you may earn a welcome bonus of 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening. TPG’s valuations place this provide at $1,388.
All miles can be utilized to e book journey and even cowl eligible journey purchases, or you may switch them to one in every of Capital One’s 15-plus airline and lodge companions. The cardboard does have an annual charge of $395, however approved customers (quite a lot of which might be added at no further price) can get pleasure from most of the card’s advantages.
Whereas $395 is not a small quantity, it is considerably lower than what an Amex Platinum cardmember pays every year.
To be taught extra, learn our full evaluate of the Capital One Enterprise X.
Be taught extra: Capital One Enterprise X
Chase Sapphire Reserve
Vacationers love the Chase Sapphire Reserve as a result of it provides quite a lot of advantages to cardholders, together with excessive factors bonuses on purchases made via Chase Journey℠.
With this card, you may obtain an annual $300 journey credit score, as much as a $120 credit score for International Entry, TSA PreCheck or Nexus, entry to each Chase Sapphire Lounge, a Precedence Move membership, entry to The Edit (Chase’s rebranded luxurious lodge program), main rental automotive protection and journey and purchasing buy protections.
Moreover, you may earn 8 factors per greenback spent on purchases booked via Chase Journey, 4 factors per greenback spent on flights and motels booked straight and three factors per greenback spent on eating (together with eligible takeout and supply providers). All different purchases earn 1 level per greenback.
Notice that you simply will not earn factors on journey till after the primary $300 is spent on journey yearly.
You may switch factors to 14 airline and lodge companions or use them to e book journey and canopy purchases via assertion credit. You will must pay a $795 annual charge, and approved customers price $195 every.
New cardholders can earn 125,000 bonus factors after spending $6,000 on purchases within the first three months of account opening. This provide is price $2,563, in accordance with TPG’s valuations.
As an Amex Platinum cardmember and the Sapphire Reserve cardholder, TPG bank cards author Danyal Ahmed persistently will get excessive worth out of his Sapphire Reserve due to its wonderful incomes charges and versatile journey credit score.
To be taught extra, learn our full evaluate of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
For individuals who wish to earn Final Rewards factors with out the Chase Sapphire Reserve’s excessive annual charge, there’s the Chase Sapphire Most well-liked.
Whereas this card would not embrace lounge entry and different premium advantages, it does include main rental automotive insurance coverage, a $50 annual lodge assertion credit score on bookings made via Chase Journey and journey and purchasing buy protections. Moreover, you may obtain a ten% factors bonus on all purchases on the finish of yearly.
Journey booked via Chase Journey earns 5 factors per greenback. You will additionally earn 3 factors per greenback spent on eating (together with eligible takeout and supply providers), on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment) and choose streaming providers, 2 factors per greenback spent on all different journey and 1 level per greenback spent on every thing else.
This card’s annual charge is an affordable $95. New candidates can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening, which is price $1,538, per TPG’s valuations.
To be taught extra, learn our full evaluate of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked Card
Citi Strata Elite
The Citi Strata Elite is a stable possibility for these in search of a premium card that earns ThankYou factors, which might be transferred at a 1:1 ratio to a number of switch companions, together with American Airways AAdvantage.
The Strata Elite earns 12 factors per greenback spent on motels, automotive leases, and sights booked on CitiTravel.com, 6 factors per greenback spent on air journey booked on CitiTravel.com, 6 factors per greenback spent at eating places (together with restaurant supply providers) on CitiNights℠ purchases, each Friday and Saturday from 6 p.m. to six a.m. EDT and three factors per greenback spent every other time and 1.5 factors per greenback spent on all different purchases.
Plus, the cardboard gives a number of assertion credit. These embrace as much as $300 off a pay as you go lodge keep of not less than two nights booked via Citi Journey, as much as $200 in Splurge credit for use with two manufacturers of their selection (choose from 1stDibs, American Airways, Greatest Purchase, Future Private Coaching or Dwell Nation), as much as $200 yearly ($100 biannually) towards Blacklane purchases and as much as $120 each 4 years for International Entry or TSA PreCheck.
Plus, cardholders obtain 4 Admirals Membership Citi Strata Elite passes every calendar yr, Precedence Move lounge entry and entry to The Reserve by Citi Journey.
New cardholders earn 80,000 factors after spending $4,000 within the first three months of account opening. TPG’s valuations deem this provide as price $1,520.
To be taught extra, learn our full evaluate of the Citi Strata Elite.
Apply right here: Citi Strata Elite
Citi Strata Premier Card
The Citi Strata Premier earns versatile ThankYou factors that can be utilized to e book journey via CitiTravel.com, store on-line, purchase present playing cards and transferred to journey companions for airline or lodge redemptions.
Yearly, you may obtain a $100 credit score towards a single lodge keep of $500 or extra (excluding taxes and costs) that is booked via CitiTravel.com. This profit alone covers the $95 annual charge.
You will earn 10 factors per greenback spent on motels, automotive leases and sights booked on CitiTravel.com, 3 factors per greenback spent at eating places, supermarkets, fuel stations and electrical automobile charging stations, in addition to 3 factors per greenback spent on air journey and different lodge reservations. All different purchases earn 1 level per greenback spent.
New cardholders will earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening. This provide is price $1,140, per TPG’s valuations.
To be taught extra, learn our full evaluate of the Citi Strata Premier.
Apply right here: Citi Strata Premier
American Specific Gold Card
If you wish to preserve incomes Membership Rewards factors, the Amex Gold will be the proper card for you.
With the Amex Gold, you may earn 4 factors per greenback spent eating at eating places worldwide (on as much as $50,000 in purchases per calendar yr; then 1 level per greenback), 4 factors per greenback spent on groceries at U.S. supermarkets (on as much as $25,000 in purchases per calendar yr; then 1 level per greenback), 3 factors per greenback spent on flights booked straight with the airline or with amextravel.com and a pair of factors per greenback spent on pay as you go motels booked with amextravel.com and 1 level per greenback on different eligible purchases.
Amex Gold cardmembers additionally obtain as much as $120 in Uber Money per calendar yr (as much as $10 a month), as much as $120 in eating assertion credit (as much as $10 per thirty days) per calendar yr, as much as $100 in assertion credit with U.S. Resy eating places (as much as $50 in assertion credit semi-annually) per calendar yr and as much as $84 in month-to-month assertion credit (as much as $7 per thirty days in assertion credit) per calendar yr with U.S. Dunkin’ Donuts areas. Enrollment is required for choose advantages; phrases apply.
When absolutely utilized, these credit present sufficient worth to greater than cowl the cardboard’s $325 annual charge (see charges and costs). Uber Money will solely be deposited into one Uber account while you add an Amex Card as a cost methodology and pay with any eligible Amex card.
Plus, cardmembers have entry to the identical Resort Assortment* advantages as these with the Amex Platinum. Enrollment is required.
As a brand new applicant for the Amex Gold, yow will discover out your provide and see if you’re eligible for as excessive as 100,000 Membership Rewards factors after spending $6,000 on eligible purchases in your first six months of card membership. Welcome provides range and also you is probably not eligible for a suggestion. This provide is price as much as $2,000, per TPG’s valuations.
To be taught extra, learn our full evaluate of the American Specific Gold Card.
*Eligible fees range by property. Minimal two-night keep required.
Apply right here: Amex Gold
Financial institution of America Premium Rewards bank card
The Financial institution of America Premium Rewards card is a good possibility for vacationers who’re loyal to Financial institution of America.
It earns 2 factors per greenback spent on journey and eating purchases, plus 1.5 factors per greenback spent on every thing else.
Cardholders who’re additionally Financial institution of America Most well-liked Rewards program members can earn as much as a 75% bonus on all of their rewards, relying on the dimensions of their account balances. That interprets to as much as 3.5 factors per greenback spent on journey and as much as 2.63 factors per greenback spent on every thing else.
Whereas Financial institution of America would not have any switch companions, you may redeem your factors for money again, as an announcement credit score, for present playing cards and for journey purchases via the Financial institution of America Journey Middle with out blackout dates.
You will additionally obtain as much as $100 for International Entry or TSA PreCheck software charges each 4 years and as much as $100 in airline incidental charge assertion credit every year, the latter of which offsets the cardboard’s $95 annual charge.
New cardholders can earn 60,000 on-line bonus factors after making $4,000 in purchases throughout the first 90 days of account opening.
To be taught extra, learn our full evaluate of the Financial institution of America Premium Rewards.
Apply right here: Financial institution of America Premium Rewards card
Hilton Honors American Specific Aspire Card
Hilton loyalists love the Hilton Aspire as a result of it routinely grants Hilton Diamond elite standing and provides an array of different advantages. Cardmembers obtain quite a lot of assertion credit, tailor-made towards each basic journey and Hilton stays.
The cardboard additionally contains an annual free evening reward. Extra free evening rewards might be earned while you spend $30,000 and $60,000 in a calendar yr. These advantages simply outweigh this card’s $550 annual charge (see charges and costs). Enrollment is required for choose advantages; phrases apply.
You will earn 14 factors per greenback spent on eligible purchases at motels and resorts within the Hilton portfolio, 7 factors per greenback spent on flights booked straight with the airline or American Specific Journey and automotive leases booked with choose automotive rental corporations, 7 factors per greenback spent on eating at U.S. eating places (together with takeout and supply) and three factors per greenback spent on different eligible purchases.
New cardmembers can earn 150,000 bonus factors after spending $6,000 on purchases within the first six months of card membership. Per TPG’s valuations, this provide is price $750.
Apply right here: Hilton Honors American Specific Aspire Card
Marriott Bonvoy Sensible American Specific Card
The Marriott Bonvoy Sensible Amex is the premier card for Marriott Bonvoy members. It contains as much as $300 in annual assertion credit per calendar yr (as much as $25 per thirty days) on eligible eating purchases made with the cardboard at eating places worldwide, plus computerized Platinum Elite standing and a free evening award yearly after your renewal month (price as much as 85,000 factors). Sure motels have resort charges.
You will additionally obtain as much as $100 in property credit while you e book not less than two nights at a Ritz-Carlton or St. Regis. If that wasn’t sufficient, cardmembers get a Precedence Move membership and as much as $120 for International Entry or TSA PreCheck. Enrollment is required; phrases apply.
With this card, you may earn 6 factors per greenback spent on eligible purchases at motels taking part within the Marriott Bonvoy program, 3 factors per greenback spent on eating at eating places worldwide and on flights booked straight with the airline, and a pair of factors per greenback spent on every thing else.
An annual charge of $650 (see charges and costs) applies, however the yearly assertion credit, computerized elite standing and free evening certificates are price not less than that a lot. Plus, it is nonetheless extra inexpensive than the Amex Platinum, even when not by a lot.
New cardmembers can earn 100,000 bonus factors after spending $6,000 on purchases throughout the first six months of card membership. Based on TPG’s valuations, this provide is price $700.
To be taught extra, learn our full evaluate of the Marriott Bonvoy Sensible.
Apply right here: Marriott Bonvoy Sensible Amex
Delta SkyMiles Reserve American Specific Card
If Delta is your favourite Amex switch associate, then the Delta SkyMiles Reserve Amex must be one in every of your frontrunners. As a cardmember, you may earn 3 miles per greenback spent on eligible Delta purchases and 1 mile per greenback spent on different eligible purchases.
Plus, new candidates can earn 125,000 bonus miles after spending $6,000 on purchases within the first six months of card membership. Now’s a good time to use for this elevated welcome provide price $1,438, per TPG’s valuations.
Though this card has a steep $650 annual charge (see charges and costs), cardmembers obtain every kind of advantages, together with entry to Delta Sky Membership lounges when touring on a same-day, Delta-marketed or Delta-operated flight. Entry is restricted to fifteen free annual visits, with limitless annual visits after spending $75,000 in a calendar yr.
Plus, these with out elite standing will probably be added to the improve listing after Medallion members when flying with Delta, whereas these with standing will obtain precedence upgrades over different Medallion members. You will additionally obtain varied life-style and journey assertion credit to assist offset the annual charge.
It is also attainable to speed up incomes elite standing with this card, as you may earn one Medallion Qualification Greenback for every $10 spent with the cardboard in a calendar yr. You will additionally earn a head begin of two,500 MQDs every Medallion Qualification Yr to get nearer to standing with the cardboard.
To be taught extra, learn our full evaluate of the Delta SkyMiles Reserve.
Apply right here: Delta SkyMiles Reserve Amex
Backside line
Whereas the Amex Platinum nonetheless holds worth for a lot of cardmembers, others might really feel inclined to ditch the cardboard in favor of one other in the marketplace. Thankfully, there are a number of nice alternate options to contemplate.
Every card comes with its personal professionals and cons, although in lots of instances, every provides related (if not higher) advantages because the Amex Platinum for a decrease annual price. No matter the place your loyalties lie, there is a card that may fit your spending habits and journey targets.
Associated: Is the Amex Platinum definitely worth the annual charge?
For charges and costs of the Amex Platinum Card, click on right here.
For charges and costs of the Amex Gold Card, click on right here.
For charges and costs of the Hilton Honors Aspire Card, click on right here.
For charges and costs of the Marriott Bonvoy Sensible Amex, click on right here.
For charges and costs of the Amex Delta Reserve card, click on right here.
