American Express Membership Rewards

Amex Platinum earns 5× on flights booked directly and 5× on hotels through amextravel.com. Transfer to Delta SkyMiles, Marriott Bonvoy, or Hilton Honors at industry-leading ratios—often 1:1 or better, outperforming the average transfer rate of 1:0.8 offered by cards like the Chase Sapphire Preferred. The ecosystem of credits — $200 airline, $200 hotel, $240 digital — offsets the $695 annual fee for heavy travellers and shoppers, making it a net positive for those spending over $20,000 annually on travel and eligible purchases.