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アメリカン・エキスプレス・プラチナ・カード cashback rate, cap and annual fee

アメリカン・エキスプレス・プラチナ・カード pays 1.5% at Amex bonus merchants, 1.5% at foreign-currency spend and 0.5% on everything else. The card costs JPY 165,000 a year.

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American Express · Japan · catalogue v121

Read from American Express's own published terms on 30 Oct 2026.

JPY 165,000Annual fee
JPY 5,000,000Spend at the top rate, a year
1.5%Best rate

What it pays, by category

SpendingRateMonthly cap
Amex bonus merchantsonline and delivery1.50%—3 points per 100 yen (1 + 2 bonus) at the bonus merchants after registering: Amazon, Yahoo! Shopping and Auctions, App Store and Apple services, Uber
foreign-currency spendtravel1.50%—3 points per 100 yen (1 + 2 bonus) on foreign-currency spend after registering for the overseas bonus programme. Bonus capped at 100,000 points a prog
everything else0.50%—1 Membership Rewards point per 100 yen, 0.5% at 0.5 yen a point. Some merchants earn half that or nothing.
Membership Rewards Plus is free for personal Platinum holders. Membership Rewards points are worth 0.5 yen each as pay-with-points on non-travel spend with Membership Rewards Plus, 0.8 yen on airline, hotel and travel-agency charges, and 1 yen only against the card's own annual fee; without MR Plus, 0.3 yen. The 0.5 yen non-travel rate is the lowest cash value for a holder (MR Plus is included free with this card), so 1 point per 100 yen is 0.5%. 3 points per 100 yen at the bonus merchants and on foreign-currency spend, each with a free registration and a 100,000-point annual bonus ceiling. The entry filed the 1 point per 100 yen base under online and delivery; it is the card's general rate. 165,000 yen a year (was blank), four family cards free. Source: americanexpress.com/ja-jp Platinum Card page, Membership Rewards Plus page and the ポイントで後払い exchange-rate table, read 30 Oct 2026.

Questions people ask

What cashback does the アメリカン・エキスプレス・プラチナ・カード pay?

1.5% at Amex bonus merchants, 1.5% at foreign-currency spend and 0.5% on everything else.

Is there a cap on the アメリカン・エキスプレス・プラチナ・カード?

No monthly cap is published on the rates shown here.

What is the annual fee on the アメリカン・エキスプレス・プラチナ・カード?

JPY 165,000 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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