The Platinum Payback is a personal credit card from Platinum Payback. The annual fee is $895. Signup bonus: as high as 175,000 Membership Rewards points after spending $12,000 on eligible purchases on your new card in your first six months of membership. Rewards: 5x on flights booked directly with airlines or on amextravel.com, 5x on prepaid hotels booked on amextravel.com, 1x on other purchases. Cash back: 1% Cash Back.