Am I eligible?
To get this card, you must also:
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...
- Brett Holzhauer, MoneyGeekDue to its travel rewards and benefits, this card is ideal for frequent flyers and international travelers.
- Garrett Yarbrough, BankrateAmex’s enhanced Platinum Card luxury travel benefits, travel rewards and yearly credits are a fantastic value for frequent flyers since the perks nearly recoup the increased annual fee, but the price point is certainly steep if you’re not sure you’ll regularly maximize its features.
- Jennifer Doss, CardRatings.comThe Platinum Card® from American Express is a good card for travel rewards, but is specifically geared towards those that don’t mind a high annual fee. If you are an occasional traveler and don’t plan to take advantage of the perks offered by the card, it may not be a good fit for you. For people do...
- Robin Saks Frankel, ForbesNo other card comes with as much perk-potential as The Platinum Card® from American Express. If you travel frequently and want to do so in style when you do, this card deserves a place in your wallet. But for anyone outside of a specific profile—an urban fitness buff who wants high rewards on flight...
- Cynthia Bowman, GOBankingRatesThe American Express Platinum credit card is an excellent card for travelers, small business owners and anyone who is capable of spending responsibly and has some knowledge on how to leverage a credit card’s benefits to their advantage. Many consider getting approved for the card as a pinnacle in th...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
20.24% ‐ 27.24% (Variable) (0% for the first 6 months)
|
| Balance Transfer Interest Rate |
No interest charges because you pay your balance in full each month. |
| Cash Advance Interest Rate |
29.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $695.00 |
| 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 |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
80000 points after spending $6,000 On purchases within the first 6 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 first $500000 spent) On flights booked directly with airlines or with American Express Travel. |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders |
|
| Travel Accident Insurance | No |
| Car Rental Insurance | Yes |
| Car Rental Discount | Yes |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | No |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | Yes |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
| Virtual Cards | Yes |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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