Add cards to start comparing.

Compare Cards
Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

NEW PLATINUM EXCLUSIVE OFFER

The Platinum Card® from American Express

The Platinum Card® from American Express

An Advertising Partner

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 28 Offer Ratings
Over the Past 60 Days!

(28) Over the Past 60 Days!

Apply Now

on American Express's secure site

Or call to apply Call to Apply

Add to Compare
  • Regular Purchase APR See Pay Over Time APR
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $695
  • Credit Needed

    Excellent/Good

  • Card Brand American Express

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small® in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee N/A

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Penalty APR See Rates & Fees

Ongoing Information

Rewards Rate 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.

Annual Fee $695

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance No

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the CompareCards.com Editorial Team

Those who qualify for the The Platinum Card® from American Express enjoy a number of elite features and personalized services. There is no preset spending limit on the card and you earn a reward point for every dollar spent. The amount you can spend adapts based on factors such as your purchase, payment and credit history. There are no blackout dates or seating restrictions when you book for travel, and your points don’t expire. You can transfer points to frequent flier programs or even donate them to charity. Cardholders get free access to airline VIP lounges and the card carries no foreign transaction fees.

Although there is a membership fee, it could be offset depending on the perks you use, cash credits, and special deals you could get just for using the card at hotels, resorts, and airlines. You receive airline fee credits each year for incidental fees purchased from your designated airline, plus annual savings with Uber.

Cardholders will also enjoy complimentary benefits for luxury hotel stays booked through the Platinum travel service. Meanwhile you are able to earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. Additionally, you have access to a responsive concierge services to assist with dinner reservations and other needs. However, similar to the The Business Platinum Card® from American Express, the annual fee is quite substantial.

Expert Reviews of the The Platinum Card® from American Express

  • 0.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0

    Fees

  • 5.0

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

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.

The Good

Cardholders can earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. You earn one point for every dollar spent, and the card has no preset spending limit. The amount you can spend adapts based on factors such as your purchase, payment and credit history. Travel rewards don’t expire and are good on any airline with no seat restrictions or blackout dates. The amenities for cardholders are numerous and top notch.

The Not so Good

You must pay off your balance in full every month, and there is a $695 annual fee.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.

Consumer Reviews

  • star rating mask

Offer Rating

3.9/5.0

28 Total Ratings

5 Star
 
 
(6)
4 Star
 
 
(14)
3 Star
 
 
(7)
2 Star
 
 
(1)
1 Star
 
 
(0)

Your Rating

Back to top ↑