American Express Shocks With $895 Platinum Fee (Full Breakdown)

American Express just shocked the credit card world with its boldest move yet. The Platinum card now comes with an $895 annual fee — making it one of the most expensive mainstream cards on the market. But along with the price hike comes a wave of new perks and credits that AmEx claims are worth over $3,500 a year.

In this deep-dive, we break down everything you need to know about the refreshed Platinum card:

Why AmEx raised the annual fee from $695 to $895

The new credits: $600 hotel, $400 dining via Resy, $300 Lululemon, $300 digital entertainment & more

How the perks compare to competitors like Chase Sapphire Reserve and Citi Prestige

Who should actually consider paying nearly $900 for a credit card

The psychology of luxury cards and whether “status” is worth the price

The honest truth: is it really value, or just marketing hype?

This isn’t just about a card — it’s about how banks are reshaping what “luxury” means, and what it costs to access it.

👉 Would YOU pay $895 for the AmEx Platinum? Let us know in the comments!
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