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The Platinum Card® from American Express

The Platinum Card® from American Express

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Rated 4/5 stars by our editorial team

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  • Regular Purchase APR N/A
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $550
  • Credit Needed

    Excellent/Good

  • Card Brand American Express

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy 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.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts® program at over 1,000 properties. Learn More.
  • $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 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 N/A

Ongoing Information

Rewards Rate 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com.

Annual Fee $550

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 pre-set spending limit on the card and you earn a reward point for every dollar spent. 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 and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com. 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 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. You earn one point for every dollar spent, and the card has no pre-set spending limit. 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 $550 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.

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