Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $99/yr for the FRONTIER Airlines World Mastercard. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or FRONTIER Airlines World Mastercard?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the FRONTIER Airlines World Mastercard doesn't?

The The Platinum Card from American Express offers lounge access. The FRONTIER Airlines World Mastercard focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the FRONTIER Airlines World Mastercard?

Choose the FRONTIER Airlines World Mastercard if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $99/yr for the FRONTIER Airlines World Mastercard. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or FRONTIER Airlines World Mastercard?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the FRONTIER Airlines World Mastercard doesn't?

The The Platinum Card from American Express offers lounge access. The FRONTIER Airlines World Mastercard focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the FRONTIER Airlines World Mastercard?

Choose the FRONTIER Airlines World Mastercard if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $99/yr for the FRONTIER Airlines World Mastercard. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or FRONTIER Airlines World Mastercard?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the FRONTIER Airlines World Mastercard doesn't?

The The Platinum Card from American Express offers lounge access. The FRONTIER Airlines World Mastercard focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the FRONTIER Airlines World Mastercard?

Choose the FRONTIER Airlines World Mastercard if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

The Platinum Card from American Express vs FRONTIER Airlines World Mastercard

The FRONTIER Airlines World Mastercard ($99/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

The Platinum Card from American Express

American Express

No image

FRONTIER Airlines World Mastercard

Barclays

Fees & Welcome Offer

Annual Fee

$895

$99(waived year 1)

Welcome Bonus

80,000 Flex point

50,000 Airline

Earn Rates

Category	The Platinum Card from American Express	FRONTIER Airlines World Mastercard
Flights	5X	1X
Frontier Purchases

Category-by-Category Winner

The FRONTIER Airlines World Mastercard wins in 2 of 3 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Frontier Purchases

FRONTIER Airlines World Mastercard earns 5X vs 1X

Dining

FRONTIER Airlines World Mastercard earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express costs $895/yr — that's $796 more than the FRONTIER Airlines World Mastercard ($99/yr). To justify that gap, you need to extract at least $796 in annual value from the card's higher earn rates and benefits.

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $796 gap is significant. Choose the The Platinum Card from American Express only if you spend heavily on flights and hotels and will use its premium benefits regularly — otherwise the FRONTIER Airlines World Mastercard delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing FRONTIER Airlines World Mastercard means losing:

-Airport lounge access
-Travel insurance
Global Entry credit

The Bottom Line

The FRONTIER Airlines World Mastercard has a lower annual fee ($99 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Choose the FRONTIER Airlines World Mastercard if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $99/yr for the FRONTIER Airlines World Mastercard. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or FRONTIER Airlines World Mastercard?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the FRONTIER Airlines World Mastercard doesn't?: The The Platinum Card from American Express offers lounge access. The FRONTIER Airlines World Mastercard focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the FRONTIER Airlines World Mastercard?: Choose the FRONTIER Airlines World Mastercard if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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The Platinum Card from American Express — Full Review All American Express Cards

FRONTIER Airlines World Mastercard — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Barclays cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

The Platinum Card from American Express vs FRONTIER Airlines World Mastercard

No image

The Platinum Card from American Express

American Express

No image

FRONTIER Airlines World Mastercard

Barclays

Fees & Welcome Offer

Annual Fee

$895

$99(waived year 1)

Welcome Bonus

80,000 Flex point

50,000 Airline

Earn Rates

Category	The Platinum Card from American Express	FRONTIER Airlines World Mastercard
Flights	5X	1X
Frontier Purchases

Category-by-Category Winner

The FRONTIER Airlines World Mastercard wins in 2 of 3 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Frontier Purchases

FRONTIER Airlines World Mastercard earns 5X vs 1X

Dining

FRONTIER Airlines World Mastercard earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing FRONTIER Airlines World Mastercard means losing:

-Airport lounge access
-Travel insurance
Global Entry credit

The Bottom Line

The FRONTIER Airlines World Mastercard has a lower annual fee ($99 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $99/yr for the FRONTIER Airlines World Mastercard. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or FRONTIER Airlines World Mastercard?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the FRONTIER Airlines World Mastercard doesn't?: The The Platinum Card from American Express offers lounge access. The FRONTIER Airlines World Mastercard focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the FRONTIER Airlines World Mastercard?: Choose the FRONTIER Airlines World Mastercard if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

FRONTIER Airlines World Mastercard — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Barclays cards

The Platinum Card from American Express vs FRONTIER Airlines World Mastercard

No image

The Platinum Card from American Express

American Express

No image

FRONTIER Airlines World Mastercard

Barclays

Fees & Welcome Offer

Annual Fee

$895

$99(waived year 1)

Welcome Bonus

80,000 Flex point

50,000 Airline

Earn Rates

Category	The Platinum Card from American Express	FRONTIER Airlines World Mastercard
Flights	5X	1X
Frontier Purchases

Category-by-Category Winner

The FRONTIER Airlines World Mastercard wins in 2 of 3 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Frontier Purchases

FRONTIER Airlines World Mastercard earns 5X vs 1X

Dining

FRONTIER Airlines World Mastercard earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing FRONTIER Airlines World Mastercard means losing:

-Airport lounge access
-Travel insurance
Global Entry credit

The Bottom Line

The FRONTIER Airlines World Mastercard has a lower annual fee ($99 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $99/yr for the FRONTIER Airlines World Mastercard. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or FRONTIER Airlines World Mastercard?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the FRONTIER Airlines World Mastercard doesn't?: The The Platinum Card from American Express offers lounge access. The FRONTIER Airlines World Mastercard focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the FRONTIER Airlines World Mastercard?: Choose the FRONTIER Airlines World Mastercard if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

FRONTIER Airlines World Mastercard — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Barclays cards

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Two free checked bags saves up to $200+ per round trip
+Elite Gold status with just one purchase in 90 days
+$0 annual fee first year, then only $99
+3X miles at restaurants
+No foreign transaction fees

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$99 annual fee after first year
−Elite Gold status requires $3,000 spend to maintain
−Free bags only for cardholder, not companions
−Only 1X on most purchases
−Frontier Miles have limited redemption options

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Two free checked bags saves up to $200+ per round trip
+Elite Gold status with just one purchase in 90 days
+$0 annual fee first year, then only $99
+3X miles at restaurants
+No foreign transaction fees

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$99 annual fee after first year
−Elite Gold status requires $3,000 spend to maintain
−Free bags only for cardholder, not companions
−Only 1X on most purchases
−Frontier Miles have limited redemption options

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Two free checked bags saves up to $200+ per round trip
+Elite Gold status with just one purchase in 90 days
+$0 annual fee first year, then only $99
+3X miles at restaurants
+No foreign transaction fees

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$99 annual fee after first year
−Elite Gold status requires $3,000 spend to maintain
−Free bags only for cardholder, not companions
−Only 1X on most purchases
−Frontier Miles have limited redemption options

The Platinum Card from American Express vs FRONTIER Airlines World Mastercard

The Platinum Card from American Express

FRONTIER Airlines World Mastercard

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

The Platinum Card from American Express vs FRONTIER Airlines World Mastercard

The Platinum Card from American Express

FRONTIER Airlines World Mastercard

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

The Platinum Card from American Express vs FRONTIER Airlines World Mastercard

The Platinum Card from American Express

FRONTIER Airlines World Mastercard

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?