You'll break even on the $695 fee after earning around $35,000 in 3 years with moderate travel spend. This card makes sense for frequent flyers who want high-end perks without foreign transaction fees or a huge balance due each month. But you'll need to maximize those 5x points categories and carry no revolving debt.
What you actually earn
Who this card is for
High-income professionals with excellent credit scores and regular travel expenses of at least $10,000 annually.
The compliance footnote
The Platinum Card carries a $695 annual fee with an APR range of See terms (charge card). Foreign-transaction fee is none. The current signup offer is 80,000 points after $8,000 in 6 months. These terms are accurate as of 2026-05-06 and may change at the issuer's discretion. We earn a referral fee on approved applications referred via the Apply link, at no cost to you.