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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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Your Rating:

3.8/5.0 from 17 Offer Ratings
Over the Past 60 Days!

(17) Over the Past 60 Days!

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  • Regular Purchase APR See Pay Over Time APR
  • 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 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • 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 is available to Basic Card Member and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary 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 through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • 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 See Rates & Fees

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 with American Express Travel.

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 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 and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. 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 75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months. 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 $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.

Consumer Reviews

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Offer Rating

3.8/5.0

17 Total Ratings

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