Luxury Card Black Card vs The Platinum Card from Amex | finder.com

Luxury Card Mastercard® Black Card™ vs The Platinum Card® from American Express

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Luxury Card Mastercard® Black Card™

Luxury Card Mastercard® Black Card™

The Platinum Card® from American Express

The Platinum Card® from American Express

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★★★★★

4.4 / 5.0
Best for
Best for
  • Luxury travel perks
  • Excellent travel rewards
Welcome offer
Welcome offer None 60,000 points after spending $5,000 in your first 3 months
Rewards
Rewards

1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back

5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

17.24% variable

None (Charge Card)

Annual fee
Annual fee $495 $550
Balance transfers
Balance transfers

APR: 0% intro APR for 15 billing cycles, then 17.24% variable

Fee: $5 or 3% of the transaction, whichever is greater

Not a feature of a charge card
Cash advance
Cash advance

APR: 27.49% to 0% variable

Fee: $10 or 5% of the transaction, whichever is greater

Not a feature of a charge card
Late payment fee
Late payment fee Up to $37 Up to $38
Additional cardholder fee
Additional cardholder fee $195 $175
Interest-free period
Interest-free period 23 days None
Minimum interest
Minimum interest $0.50 $0
Minimum credit score
Minimum credit score 700 680
Card type
Card type Credit Charge
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Read review

Which card should you choose?

Luxury Card Mastercard® Black Card™

Luxury Card Mastercard® Black Card™

  • Global Entry application fee credit.
  • Luxury gifts.
  • Rewards program.
  • Airline credit.

The Platinum Card® from American Express

The Platinum Card® from American Express

  • $200 airline fee credit
  • $100 credit for Global Entry or TSA PreCheck
  • $200 in credits for Uber each year

Compare credit cards

Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees

Compare up to 4 providers

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.

Compare up to 4 providers

Compare American Express credit cards

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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