Platinum Card® from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
-
Balance Transfer
-
Rewards
1 - 5 points
Signup Bonus
60000 points (after spending $5,000)


8.2/10
Informr score
The Platinum Card® from American Express currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 25 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Platinum Card® from American Express is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Compare Cards

The American Express Platinum card offers a number of features, benefits, and 5-star amenities. Depending on card usage, you could rack up hundreds of dollars worth of VIP perks, credits, and discounts at select hotels, airlines, and other merchants.

- Compare Cards
SmartAsset

The Platinum Card from American Express is a high-end travel card that offers luxury rewards. You earn points on travel and hotels, making this a useful card for frequent travelers.

- Emily Zhu, SmartAsset
LendEDU

Is the American Express Platinum Card worth it? That depends on if you’ll take advantage of all the credits you’re offered. If you use the $200 in Uber credits, the $200 in airline incidental fees, and take advantage of the $100 hotel credit at least once, you’ll definitely get enough perks to justi...

- Amanda Reaume, LendEDU
The Wirecutter

The Platinum can earn you a ton of points when you buy flights—and its flexibility for how you can use those rewards is practically unrivaled, especially if you’re not loyal to one airline. But be prepared to shell out a costly $550 annual fee.

- Taylor Tepper, The Wirecutter
Cardcruncher

The Platinum Card® from American Express isn't cheap. But if you travel a lot and don't shy away from an annual fee, this card will make your life a lot more luxurious. 

- Cardcruncher

Details


Interest Rates
Regular APR Interest Rate

No interest charges because you pay your balance in full each month.

Balance Transfer Interest Rate

No interest charges because you pay your balance in full each month.

Cash Advance Interest Rate 27.49%


Rates & Fees
Annual Fee $550.00
Balance Transfer Fee $0.00
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 60000 points after spending $5,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels 5 points per $1 spent

On eligible hotels booked on amextravel.com.

Travel 5 points per $1 spent

On flights booked directly with airlines or with American Express Travel.

Pharmacy No
Bills No
Additional Details

Enjoy $15 in Uber credits for U.S. rides each month plus a bonus $20 in December, simply because you're a Platinum Card Member.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount Yes
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores Yes
Wireless Payments No
Additional Benefits
  • Enjoy access to the Global Lounge Collection.
  • $200 airline fee credit
  • $100 fee credit for global entry or TSA Pre.
  • Return Protection
  • $100 Saks Fifth Avenue benefit
  • Upgrade to Starwood Gold Elite Status without meeting any stay requirements
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

Offers a lot of features, benefits, and 5-star amenities

Compare Cards

The American Express Platinum card offers a number of features, benefits, and 5-star amenities. Depending on card usage, you could rack up hundreds of dollars worth of VIP perks, credits, and discounts at select hotels, airlines, and other merchants.

Read full review

The American Express Platinum card offers a number of features, benefits, and 5-star amenities. Depending on card usage, you could rack up hundreds of dollars worth of VIP perks, credits, and discounts at select hotels, airlines, and other merchants.

Read full review

Less

SmartAsset

A luxury card for frequent travelers

from SmartAsset

The Platinum Card from American Express is a high-end travel card that offers luxury rewards. You earn points on travel and hotels, making this a useful card for frequent travelers.

Read full review

The Platinum Card from American Express is a high-end travel card that offers luxury rewards. You earn points on travel and hotels, making this a useful card for frequent travelers.

Read full review

Less

LendEDU

A premium travel rewards card with huge benefits

from LendEDU

Is the American Express Platinum Card worth it? That depends on if you’ll take advantage of all the credits you’re offered. If you use the $200 in Uber credits, the $200 in airline incidental fees, and take advantage of the $100 hotel credit at least once, you’ll definitely get enough perks to justify paying the high annual fee.

Read full review

Is the American Express Platinum Card worth it? That depends on if you’ll take advantage of all the credits you’re offered. If you use the $200 in Uber credits, the $200 in airline incidental fees, and take advantage of the $100 hotel credit at least once, you’ll definitely get enough perks to justify paying the high annual fee.

Read full review

Less

The Wirecutter

Best airport lounge access of any travel card

from The Wirecutter

The Platinum can earn you a ton of points when you buy flights—and its flexibility for how you can use those rewards is practically unrivaled, especially if you’re not loyal to one airline. But be prepared to shell out a costly $550 annual fee.

Read full review

The Platinum can earn you a ton of points when you buy flights—and its flexibility for how you can use those rewards is practically unrivaled, especially if you’re not loyal to one airline. But be prepared to shell out a costly $550 annual fee.

Read full review

Less

Cardcruncher

Offers elite travel perks

The Platinum Card® from American Express isn't cheap. But if you travel a lot and don't shy away from an annual fee, this card will make your life a lot more luxurious. 

Read full review

The Platinum Card® from American Express isn't cheap. But if you travel a lot and don't shy away from an annual fee, this card will make your life a lot more luxurious. 

Read full review

Less

CreditCards.com

Not designed for the average cardholder

from CreditCards.com

The American Express Platinum card carries one of the highest annual fees for a card in its class and a rewards rate that pales in comparison to similar cards; however, you can’t beat its extensive list of luxury travel perks, including access to exclusive Centurion lounges.

Read full review

The American Express Platinum card carries one of the highest annual fees for a card in its class and a rewards rate that pales in comparison to similar cards; however, you can’t beat its extensive list of luxury travel perks, including access to exclusive Centurion lounges.

Read full review

Less

NextAdvisor

A charge card with many travel benefits and exclusive privileges

The Platinum Card® from American Express is a strong choice for travelers in the market for a charge card who are looking for significant credits and perks.

Read full review

The Platinum Card® from American Express is a strong choice for travelers in the market for a charge card who are looking for significant credits and perks.

Read full review

Less

The Wirecutter

The card for frequent flyers

from The Wirecutter

The Platinum card comes with a mix of shopping, entertainment, and travel benefits. You also earn American Express Membership Rewards points with each purchase, and those points are best used for booking reward airline flights.

Read full review

The Platinum card comes with a mix of shopping, entertainment, and travel benefits. You also earn American Express Membership Rewards points with each purchase, and those points are best used for booking reward airline flights.

Read full review

Less

Money Crashers

A great asset to have

from Money Crashers

An exclusive charge card for frequent travelers with ample budgets and a penchant for luxury benefits in flight, in the airport, and in hotels. With low rewards on everything except travel, it’s definitely not an everyday-type card for the vast majority of the card-holding public.

Read full review

An exclusive charge card for frequent travelers with ample budgets and a penchant for luxury benefits in flight, in the airport, and in hotels. With low rewards on everything except travel, it’s definitely not an everyday-type card for the vast majority of the card-holding public.

Read full review

Less

NerdWallet

Luxury isn’t cheap

from NerdWallet

If you’re an occasional traveler who flies coach and stays at the Holiday Inn, The Platinum Card from American Express isn’t going to magically get you into first class and the presidential suite at the Ritz-Carlton at no extra charge. But if you’re a regular traveler who doesn’t mind spe...More

If you’re an occasional traveler who flies coach and stays at the Holiday Inn, The Platinum Card from American Express isn’t going to magically get you into first class and the presidential suite at the Ritz-Carlton at no extra charge. But if you’re a regular traveler who doesn’t mind spending money for quality and would love to be rewarded for doing so, then it might be a perfect fit for your wallet.

Read full review

Less

User Reviews


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