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Platinum Card® from American Express review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
21.24% ‐ 29.24% (Variable) (0% for the first 6 months)
Interest Rate: Purchases
21.24% ‐ 29.24% (Variable) (0% for the first 6 months)
Balance Transfer
Balance Transfer
1 - 5 points
1 - 5 points
Signup Bonus
100000 points (after spending $8,000)
Signup Bonus
100000 points (after spending $8,000)

Informr score
The Platinum Card® from American Express currently has an Informr score of 9 out of 10. This score is based on our evaluation of 40 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...


Amex’s enhanced Platinum Card luxury travel benefits, rewards and yearly credits are a fantastic value for frequent flyers since the perks nearly recoups the increased annual fee. Still, the price point is certainly steep if you’re not sure you’ll regularly maximize its features.

- Garrett Yarbrough, Bankrate

For a steep price, the original premium card gives you 5X points on certain flights and hotel stays, hundreds of dollars a year in credit for travel and shopping, and a suite of perks for high-end lifestyles.

- Paul Soucy, NerdWallet

The 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...

- Jennifer Doss,

The American Express Platinum Card offers a wealth of benefits that outpace the cost of its annual fee. But unless you can make the most of each perk, it might not be enough to make the card worth its cost. Carefully consider how you might benefit from the card and whether it's worth the annual fee...

- Ben Luthi, SlickDeals

It is worth it if you’re going to use enough rewards and get enough points to make up for the $695 annual fee. If you’re planning on spending $20,000 to $30,000 or more on travel costs such as flights and hotels, this card could end up being a great deal.

- Dori Zinn, Time


Interest Rates
Regular APR Interest Rate 21.24% ‐ 29.24% (Variable) (0% for the first 6 months)
  • This APR will vary with the market based on the Prime Rate.
  • For pay over time feature
Balance Transfer Interest Rate

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

Cash Advance Interest Rate 29.99% (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


Sign up bonus 100000 points after spending $8,000

On purchases within the first 6 months

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

On eligible hotels booked on

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
  • $195 for up to 3 Additional Cards
  • Annual fee for the 4th or more Additional Cards is $195 for each Card
  • 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
    • $200 Hotel Credit
    • $200 Airline Fee Credit
    • $100 Global Entry or $85 TSA Pre✓
    • $155 Walmart+ credit
    • $200 Uber Cash
      • Receive $15 in Uber Cash for rides or eats orders in the US every month plus a bonus $20 in December. Also become an Uber VIP, where available, without meeting minimum ride requirements.
    • $300 with Equinox
      • Get up to $300 in statement credits each year on a digital or club membership at Equinox.
    • $240 Digital Entertainment Credit
      • Get up to $20 in statement credits each month for eligible purchases
    • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or That's up to $50 on a semi-annual basis.
    • Get up to $179 back per year on your membership with CLEAR®
    • Global Dining Access by Resy
    • The Global Lounge Collection®
    • International Airline Program
    • Fine Hotels & Resorts® Program
    • The Hotel Collection
    • Platinum Travel Service
    • Marriott Bonvoy™ Gold Elite Status
    • Hilton Honors Gold Status
    • Premium Car Rental Status
    • Premium Global Assist® Hotline
    • Trip Delay Insurance
    • Trip Cancellation and Interruption Insurance
    • By Invitation Only®
    • Preferred Seating
    • Return Protection
    • For every 10,000 InCircle points you receive, you will get a $100 InCircle Point Card
    Minimum Security Deposit $0
    Minimum Age 18
    Minimum Personal Income
    Temporary Residents No
    Additional comments -
    Terms & Conditions Official Terms & Conditions
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