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...
- Joe Van Brussel, CnetThe Platinum Card is one of the priciest rewards cards on the market. It offers average reward rates on flights and prepaid hotels booked through American Express Travel, and a nondescript flat rate on other purchases. These rates aren't enough to justify this card's price tag, but if you take advan...
- Ben Luthi, SlickDealsThis credit card is extremely popular among rewards credit card enthusiasts, and it’s easy to see why. Not only does it offer new cardholders a generous welcome bonus, but the perks alone could add up to eclipse the annual fee — but only if you already use services like Walmart+ and Uber enough to w...
- Rebecca Lake, MyBankTrackerThe Platinum Card from American Express is designed for people who travel often and want to have a first-class experience every time. We’ll explain the card’s travel rewards program a little later on but for now, let’s focus on the various travel extras that members enjoy.
- 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...
- Choose FiIf you love credit card rewards as much as we do, the Platinum Card® from American Express is definitely a card you want to have in your (RFID-blocking!) wallet when you’re traveling. Yes, you’ll need to spend a lot during the year to get the value out of the annual fee. But, if you already do this,...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
16.74% ‐ 23.74% (Variable)
|
| Balance Transfer Interest Rate |
No interest charges because you pay your balance in full each month. |
| Cash Advance Interest Rate |
25.99% (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 |
125000 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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