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The Platinum Card® from American Express

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The Platinum Card® from American Express

An Advertising Partner

 

Rated 4/5 stars by our editorial team

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  • Regular Purchase APR

    See Pay Over Time APR

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $550

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • 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 on amextravel.com.
  • 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.

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

  • Regular APR

    0.0

  • Intro APR

    0.0

  • Fees

    3.0

  • Benefits

    5.0

  • Overall Rating

    4.0 /5

From the LendingTree.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.

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 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.

Expert Reviews of the The Platinum Card® from American Express

  • Regular APR

    0.0

  • Intro APR

    0.0

  • Fees

    3.0

  • Benefits

    5.0

  • Overall Rating

    4.0 /5


Consumer Reviews 0 Reviews

Your Rating

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+-1 users submitted a rating without a full review

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By: | Mar 28, 2017

American Express raises the bar and redefines the premium travel experience. If you travel every week,the benefits of this card far exceed what might seem like a high annul fee. One visit to their out-of-this-world Centurion Lounge and you'll be hooked for life.


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