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 22 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...


NextAdvisor

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.

- NextAdvisor
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.

- Louis Denicola, The Wirecutter
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.

- Brian Martucci, Money Crashers
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 spending money...

- Paul Soucy, NerdWallet
The Wirecutter

Access to choice airport lounges and excellent earnings for air travel make the Platinum the right choice for a very frequent flyer. The goal of airline rewards,is to quickly rack up enough miles to buy a fantastic flight while capping the costs of your ongoing travel. No American, Delta, or United...

- Taylor Tepper, The Wirecutter

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

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

Rates & Fees
Annual Fee $550.00
Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

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


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

The Wirecutter

Best airline credit card if you fly American, Delta, and United

from The Wirecutter

Access to choice airport lounges and excellent earnings for air travel make the Platinum the right choice for a very frequent flyer. The goal of airline rewards,is to quickly rack up enough miles to buy a fantastic flight while capping the costs of your ongoing travel. No American, Delta, or Uni...More

Access to choice airport lounges and excellent earnings for air travel make the Platinum the right choice for a very frequent flyer. The goal of airline rewards,is to quickly rack up enough miles to buy a fantastic flight while capping the costs of your ongoing travel. No American, Delta, or United card strikes that balance as well as Amex’s premium card.

Read full review

Less

Travel Update

One of the top cards in the industry for perks

from Travel Update

The American Express Platinum Card is the card to have for travelers who want the best perks in the business. People who want a charge card or spend heavily in airfare will also benefit. The benefits are so valuable that any version of the Platinum Card could be a keeper for travelers.

Read full review

The American Express Platinum Card is the card to have for travelers who want the best perks in the business. People who want a charge card or spend heavily in airfare will also benefit. The benefits are so valuable that any version of the Platinum Card could be a keeper for travelers.

Read full review

Less

Dough Roller

Perks and rewards are worth it

from Dough Roller

The Platinum Card from American Express is a one-of-a-kind charge card that offers consumers perks that most issuers can’t match.

Read full review

The Platinum Card from American Express is a one-of-a-kind charge card that offers consumers perks that most issuers can’t match.

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

Hustler MoneyBlog

For the frequent traveler who revels in the prestige and luxury

from Hustler MoneyBlog

Although at initial glance the $550 annual fee seems a little hefty, the cost is justified by all the benefits you’ll receive. If you’re on the market for a super swanky card with all the bells and whistles, the Platinum Card from American Express is the one.

Read full review

Although at initial glance the $550 annual fee seems a little hefty, the cost is justified by all the benefits you’ll receive. If you’re on the market for a super swanky card with all the bells and whistles, the Platinum Card from American Express is the one.

Read full review

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Credible

Offers cardholders a wide variety of premium benefits

from Credible

The Amex Platinum Card is a true luxury travel card, offering lavish benefits such as airport lounge access and upgrade opportunities at fine hotels—but this treatment doesn’t come cheap, as the card comes with an annual fee of $550.

Read full review

The Amex Platinum Card is a true luxury travel card, offering lavish benefits such as airport lounge access and upgrade opportunities at fine hotels—but this treatment doesn’t come cheap, as the card comes with an annual fee of $550.

Read full review

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User Reviews


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