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The Amex Platinum Card was first introduced in 1984 and has established itself as a symbol of prestige and a benchmark for premium credit cards. American Express has now unveiled the details of the 2025 card refresh for its U.S. Consumer and Business Platinum Cards. Both cards will see an increase in their annual fees to $895. However, this is offset by a significant set of new and enhanced benefits and credits, which I believe will far outweigh the increased cost for many users. New and existing cardholders can now choose a new limited-edition mirror card design, in addition to existing card designs. Let’s dive into the specifics of the new features for each card and what benefits remain the same.
U.S. Consumer Platinum Card®
The annual fee rises to $895. For existing members, the new fee takes effect January 2, 2026 (renewal date). The additions and expansions clearly target frequent travellers and lifestyle spenders, but the steep increase means only those who can reliably use multiple credits will maximize value.
New and Enhanced Features
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Hotel Credit: Now offers up to $600 annually, structured as $300 back semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through Amex Travel™.
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Resy Credit: A new $400 annual credit, broken down into $100 per quarter, for dining purchases at 10,000+ U.S. restaurants booked via Resy.
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Digital Entertainment Credit: Increased to $300 annually (up to $25/month) with new partners such as Paramount+, YouTube Premium, and YouTube TV joining existing options like Disney+, ESPN, Hulu, Peacock, NYT, WSJ.
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lululemon Credit: $300 annually ($75 per quarter) for eligible in-store or online purchases at lululemon (U.S. only, excluding outlets).
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Uber One Membership Credit: A new $120 credit toward Uber One membership, in addition to the existing Uber Cash benefit.
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ŌURA Credit: $200 annually for purchases of an OURA Ring, aligning with the wellness theme of the card.
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Premium Hotel Status: Complimentary Sterling Status with The Leading Hotels of the World®, giving daily breakfast for two, upgrades (when available), and property-specific perks.
Benefits That Remain
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$200 Uber Cash: Monthly Uber Cash ($15/month + $20 bonus in December).
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$200 Airline Fee Credit: For incidental airline fees at one chosen carrier.
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$100 Saks Fifth Avenue Credit: $50 semi-annual credits.
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$300 Equinox Credit.
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Walmart+ Monthly Membership Credit ($12.95/month).
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$209 CLEAR+ Credit.
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Earning Structure: 5X Membership Rewards® points on eligible flights and prepaid hotels via Amex Travel, capped at $500,000 annually.
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Core Travel Perks: Centurion Lounge access, Fine Hotels + Resorts benefits, Global Lounge Collection, and 4 p.m. late checkout at participating properties.
U.S. Business Platinum Card®
The new annual fee is $895, effective December 2, 2025 (renewals). While steep, the enhanced credits (Dell, Adobe, Hotel) and high-spender unlocks ($3,600) directly target small and mid-size businesses that spend heavily, making the fee justifiable for that segment.
New and Enhanced Features
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Earning Boost:
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2X Membership Rewards® on eligible business categories and purchases $5,000+ (points cap applies).
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5X on flights and prepaid hotels through Amex Travel.
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Hotel Credit Added: Up to $600 annually ($300 semi-annually) on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings via Amex Travel.
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Premium Hotel Status: Complimentary Sterling Status with The Leading Hotels of the World®.
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Dell Technologies Credit Expanded: Up to $1,150 annually. $150 for any Dell purchase plus $1,000 credit after spending $5,000+.
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Adobe Credit Added: $250 annually after $600+ spend on eligible Adobe products.
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Additional $3,600 in Credits for High Spenders: Unlockable after spending $250,000 in a calendar year:
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$1,200 Flight Credit for Amex Travel bookings in the following year.
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$2,400 One AP® Credit toward monthly fees for Amex’s accounts payable solution.
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Airline Bonus Updated: Continue to get 35% points back on Pay with Points flights (selected airlines), capped at 1,000,000 points annually.
Benefits That Remain
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$360 Indeed Credit ($90 per quarter).
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$120 Wireless Credit ($10/month).
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$200 Hilton Credit ($50 per quarter).
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$209 CLEAR+ Credit.
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$200 Airline Fee Credit for incidental fees at one selected carrier.
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Business-Friendly Features:
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No Preset Spending Limit.
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Pay Over Time option.
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Employee card options (with premium or no-fee benefits).
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Travel Benefits: Access to Centurion Lounges, Delta Sky Club visits (for employees with eligible cards), Marriott Gold, Hilton Gold, and Fine Hotels + Resorts perks.
Design Refresh
Alongside the benefits update, Amex introduced a limited-edition mirror design for both Consumer and Business Platinum members. Personally, I am not sure how I feel about this hyper-reflective look, which takes away from the traditional Platinum feel and gives it more of a glossy, novelty effect. I already carry a selfie camera in my pocket, so I don’t need my payment card doubling as another way to see my own reflection. Maybe I’m showing my age, but I continue to prefer the understated, classic Platinum aesthetic that has always signalled refinement without the distraction of a mirror finish.
Takeaway
The refresh signals a clear repositioning of the Platinum cards, moving deeper into the premium lifestyle and business space, justifying the higher fee through broader, more flexible credits across dining, fitness, entertainment, and business essentials. And it’s always good to see that there are no downgrades to the product’s core offering.
Title Image: American Express
