American Express just made headlines with a major update to its Platinum card. It costs $895 per year to get American Express’ premium app theme, thanks to a new membership fee hike paired with exclusive perks. But here’s the catch—the premium theme is essentially a darker black version of the existing app interface.
So, is a pricier card with a subtle app change worth it? Let’s break it down.
The $895 Platinum Fee Explained
Following a big jump from $550 to $695 in 2021, the Platinum card’s annual fee has now climbed again—this time to $895. New cardholders are charged immediately, while existing members will feel the increase starting January 2, 2026.
American Express positions the fee hike as being balanced by expanded perks, new shopping credits, and a refreshed app experience. But many cardholders are questioning whether these updates truly justify the steep cost.
The “Exclusive” Premium App Theme
One of the most hyped updates is the premium app theme. Instead of the classic navy blue interface, Platinum users can switch to an all-black look—meant to feel sleek and exclusive.
However, early users on Reddit point out the change is extremely subtle, especially if your phone is in iOS Light Mode. In other words, Platinum members are paying hundreds more per year for a perk that might go unnoticed.
Extra Perks That Come With The Fee
While the app theme alone doesn’t justify the $895 price tag, American Express is layering in additional credits:
These perks may soften the blow for frequent travelers and luxury spenders, but casual users could struggle to squeeze full value from them.
Worth The Upgrade Or Not?
Yes, it costs $895 per year to get American Express’ premium app theme, but that’s not the real story. The higher annual fee is really about bundled perks and exclusive rewards. The app’s black theme is more symbolic—a digital status badge for those willing to pay for premium.
For some, it’s worth it for the lifestyle perks and prestige. For others, the added cost might not outweigh the limited everyday value.
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