Compare all 8 critic reviews of The Platinum Card from AMEX | April 2018

Compare reviews of the Platinum Card from American Express

A first-class card with a big 60,000-point signup bonus for travel enthusiasts who can pay the price of admission.

amex platinum reviews
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finder score: 80%

Avg. critics score: 76%
8 critics
Avg. user score: 83%
646 users
Beyond the 60,000-point signup bonus, you won’t accrue any points on non-travel spending. Instead, you’ll acquire points for spending on flights and hotels — 5x per dollar when you book through airlines and American Express Travel.
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$550annual fee
N/Avariable APR
720–850credit score range
More card details…

The Platinum Card details

Product nameThe Platinum Card from American Express
Issuing bankAmerican Express
Recommended credit score range720–850
Annual fee$550
Signup bonus60,000 Membership Rewards points if you spend $5,000 in the first 3 months
Intro purchase APRN/A
Intro balance transfer APRN/A
Balance transfer feeN/A
Foreign transaction feesNone
Cash advance rateN/A
Cash advance feeN/A
Penalty APRN/A
Late payment feeUp to $38
Returned payment feeUp to $38
Overlimit feeN/A
Maximum credit limit$2,500
Minimum APR23.99%
Beyond the 60,000-point signup bonus, you won’t accrue any points on non-travel spending. Instead, you’ll acquire points for spending on flights and hotels — 5x per dollar when you book through airlines and American Express Travel.

Critic reviews

CriticRatingNotable quotable
nerdwallet logo NerdWallet’s Virginia C. McGuire“If you’re an occasional traveler who flies coach and stays at the Holiday Inn, The Platinum Card® from American Express isn’t going to magically get you into first class and the presidential suite at the Ritz-Carlton at no extra charge.” Read more
“If you’re an occasional traveler who flies coach and stays at the Holiday Inn, The Platinum Card® from American Express isn’t going to magically get you into first class and the presidential suite at the Ritz-Carlton at no extra charge.” Read more
wallethub logoWalletHub’s John S. Kiernan100%“As a result, the Amex Platinum Card isn’t an everyday credit card, nor is it ideal for most people. But if you have excellent credit, a penchant for travel and a liberal budget, it’s at least worth a closer look given its assorted accoutrements.” Read more
“As a result, the Amex Platinum Card isn’t an everyday credit card, nor is it ideal for most people. But if you have excellent credit, a penchant for travel and a liberal budget, it’s at least worth a closer look given its assorted accoutrements.” Read more
Value Penguin logoValuePenguin’s Robert Harrow94%“Fantastic travel benefits card for frequent flyers. Offers superior travel perks, for a hefty annual feel.” Read more
“Fantastic travel benefits card for frequent flyers. Offers superior travel perks, for a hefty annual feel.” Read more
credit donkey logoCreditDonkey’s David R.80%“In our opinion, the Platinum Card is a prestigious travel-friendly charge card that offers travel benefits for frequent flyers, a consistent rewards program, and an exclusive concierge service that’s tough to beat.” Read more
“In our opinion, the Platinum Card is a prestigious travel-friendly charge card that offers travel benefits for frequent flyers, a consistent rewards program, and an exclusive concierge service that’s tough to beat.” Read more
get.com logoGet.com’s Pedro Pla86%“The Platinum Card® from American Express is a prestigious charge card with top-notch travel and lifestyle perks that can easily make the high annual fee worth it if you actually use them.” Read more
“The Platinum Card® from American Express is a prestigious charge card with top-notch travel and lifestyle perks that can easily make the high annual fee worth it if you actually use them.” Read more
creditcards.com logoCreditCard.com’s Robin Ratcliff46%“Though the card holds limited appeal for the average traveler, an elite jet-setter will find plenty of value in the bevy of luxury perks that comes with the Platinum Card from American Express.” Read more
“Though the card holds limited appeal for the average traveler, an elite jet-setter will find plenty of value in the bevy of luxury perks that comes with the Platinum Card from American Express.” Read more
cardratings logoCardRatings’s Brooklyn Lowery100%“Fantastic travel benefits card for frequent flyers. Offers superior travel perks, for a hefty annual feel.” Read more
“Fantastic travel benefits card for frequent flyers. Offers superior travel perks, for a hefty annual feel.” Read more
credit card insider logoCredit Card Insider’s John Ganotis100%“The key to using the Platinum card effectively is to be aware of the many benefits and enroll in all the additional programs it offers. There are so many that it’d be easy to forget about some, and miss out on a nice discount or pleasant experience.” Read more
“The key to using the Platinum card effectively is to be aware of the many benefits and enroll in all the additional programs it offers. There are so many that it’d be easy to forget about some, and miss out on a nice discount or pleasant experience.” Read more

User reviews

UsersAvg. ratingReview count
nerdwallet logo NerdWallet’s users92%14 reviews
wallethub logoWalletHub’s users74%527 reviews
credit karmaCreditKarma’s users92%73 reviews

The Platinum Card review

What you need to know

  • Get this card if … you spend a lot on travel.
  • Pick something else if … you’re looking for a general cash back card or you’re not a frequent flyer.

The Platinum Card is one of those rare charge cards for travelers offered only by American Express that will reward you with first-class perks that you won’t find anywhere else.

Who is the Platinum Card for?

The Platinum Card is unabashedly aimed at those who love to travel in style. And you’ll pay for it at $550 a year. You’ll enjoy a universe of benefits that include premium airport lounges and Gold status at hotels.

Beyond the signup bonus points, you won’t accrue any points on nontravel spending. Instead, you’ll acquire points for spending on flights and hotels — 5x per dollar when you book through airlines and American Express Travel. Redeem your points for flights, hotels, rental cars and even cruises. You can also transfer your points to such frequent flyer programs as Delta SkyMiles and Emirates Skywards.

En route to your destination, stop by the American Express Centurion airport lounges — the Platinum Card gives you complimentary access. These lounges are considered among the best in the world, and they’re reserved exclusively for American Express cardholders. And when you start your vacation, you’ll like having complimentary Gold status in the Hilton Honors and Starwood Preferred Guest loyalty programs. These come with benefits such as free Wi-Fi and late checkout, on top of accelerated point earnings to take you to higher status tiers.

The Platinum Card isn’t for everyone. It’s a charge card, so you have to pay your balance in full each month. It’s also designed for those who spend a lot on travel. If you don’t spend much on flights or hotels but still want travel benefits, consider a card like the Barclaycard Arrival Plus, which gives you 2x miles on everything you buy.

The perks

  • SIGNUP BONUS: Lots of Membership Rewards points. Get 60,000 Membership Rewards points if you spend $5,000 in the first three months.
  • POINTS: Big point earnings on flight and hotel spending.
    5x points when you book flights directly through the airlines or when booking flights or hotels through American Express Travel.
  • Free access to the Global Lounge Collection. You’ll have complimentary entry to the Centurion Lounges, Delta Sky Clubs and Priority Pass Lounges.

The Centurion Lounges are considered best-in-class.

centurion lounge platinum amex credit card

You’ll find seven Centurion Lounges in the United States, and they’re among the best airport lounges you’ll find anywhere. Entry is free for Platinum Card members.

  • Transfer points to frequent flyer programs. Participating airlines include British Airways, Delta, Emirates, Hawaiian Airlines, JetBlue and Virgin, among others.
  • Airport credits. Charge up to $200 a year in airline fees (checked bags, in-flight meals, etc.) and get it back in statement credit. Get a $100 fee credit for Global Entry or TSA PreCheck membership.
  • Complimentary upgrade to Hilton Honors Gold status. Benefits include late checkout, free Wi-Fi, room upgrades at select hotels and enhanced point earnings.
  • Complimentary upgrade to Starwood Preferred Guest Gold status. Benefits include late checkout, free Wi-Fi, room upgrades and enhanced Starpoint earnings.

You’ll also like …

  • Amenities at eligible resorts. Get free benefits like free breakfast, room upgrades, late checkout and free Wi-Fi when you stay at select properties.
  • Get a complimentary Amex Gold Card. Add a Gold Card — which offers 2x points on flight tickets and at US restaurants — for no annual fee.
  • Uber credits. You’ll receive $15 in Uber credits each month, along with $20 extra in December.
  • Travel services. Ask Platinum Travel agents for custom itineraries, and access the American Express Global Assist Hotline while you’re on vacation. Also, get free car rental insurance.
  • No foreign transaction fees. Use your card internationally without incurring fees.
  • Exclusive American Express perks. Gain access to Amex Concierge, By Invitation Only events, Global Dining Collection and preferred seating at events.
  • Purchase benefits. Get extended warranties, purchase protection and return protection on eligible items.
  • InCircle benefits. Receive a $100 Point Card when you earn 10,000 Neiman Marcus InCircle points.

What to watch out for

  • Annual fee. The Platinum Card comes with a $550 p.a. annual fee.
  • Not a normal credit card. The Platinum Card is a charge card, which means you have to pay your balance in full each month.
  • Not as widely accepted overseas. Because the Platinum Card is an American Express, you might not have as many opportunities to use it overseas as you would with a Visa or Mastercard.
  • It hurts to pay late. Making late or returned payments could saddle you with fees as high as $38.

Consider other cards if …

  • You want to carry balances over time. This is a charge card, so you have to pay your balance in full each month.
  • You don’t travel much. Beyond the signup bonus, you won’t earn any points for nontravel spending. If you want access to the Centurion Lounges, you can buy a day pass for $50 as long as you have an American Express card. Consider the Amex Gold Card, which gives you points for nontravel purchases. Another good choice is the Barclaycard Arrival Plus, which gives you 2x points on everything you buy.

Compare other American Express credit cards

Rates last updated April 20th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Wells Fargo Propel 365 American Express® Card
15.24% to 23.24% variable
0% Intro APR for 12 months (with $5 minimum, 5% balance transfer fee)
$0 annual fee for the first year ($45 thereafter)
20,000 bonus points if you spend $3,000 (net purchases) in first 3 months
Wells Fargo Propel American Express® Card
14.24% to 26.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
20000 bonus points if you spend $1,000 (net purchases) in first 3 months
Blue from American Express® Card
16.49%, 19.49% or 21.49% variable
16.49%, 19.49% or 21.49%% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn rewards with no annual fee.
Blue Sky from American Express® Card
18.49%, 21.49% or 23.49% variable
18.4921.4923.49% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Flexible travel rewards and no annual fee.
Hilton Honors™ Card from American Express
16.99% to 25.99% variable
16.9925.99% Intro APR for 60 days of account opening (with whichever is greater, 5% or 3% balance transfer fee)
$0
Earn 50000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
Hilton Honors™ Surpass® Card from American Express
16.24% to 20.24% variable
16.2420.24% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$75
Earn 100000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card within your first 3 months of Card Membership.
American Express Serve®
FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide.
The Mercedes-Benz Credit Card from American Express
16.49% variable
16.49% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 10000 Membership Rewards ® points after using your new Card to make $1,000 in purchases within the first 3 months.
Plenti® Credit Card from Amex
15.99% to 25.99% variable
15.9925.99% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 5000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
Platinum Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$195
Earn 5,000 Medallion® Qualification Miles (MQMs)
and 35000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months.
Gold Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 30000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Delta Reserve® Credit Card from American Express
16.99% to 25.99% variable
$450
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
Platinum Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99% variable% Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
$195
Earn bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
American Express® Green Card
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($95 thereafter)
Shop with more confidence
Premier Rewards Gold Card from American Express
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($195 thereafter)
More Points. More Rewards.
The Platinum Card® from American Express
No interest charges because you pay your balance in full each month
$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.
Blue Cash Everyday® Card from American Express
14.49% to 25.49% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
Blue Cash Preferred® Card from American Express
14.24% to 25.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
Amex EveryDay® Credit Card
14.24% to 24.24% variable
0% Intro APR for first 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Amex EveryDay® Preferred Credit Card
14.24% to 24.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 15000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Starwood Preferred Guest American Express Credit Card
16.49% to 20.49% variable
16.4920.49 % Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 25000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
USAA Secured Card American Express®
11.15% to 21.15% variable
$35
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
USAA Cashback Rewards Plus American Express® Card
13.15% to 27.15% variable
$0
Get high cash back rewards on most purchases, including gasoline, groceries and military base purchases.

Compare up to 4 providers

What to know before you apply

Always consider your options and your financial situation before you apply for a credit card.

To apply for the Platinum Card, you must be:

  • At least 18 years old.
  • A US citizen or resident.

What credit score do I need?

You’ll have a better chance of being approved for the Platinum Card if you apply with a good to excellent credit score of 680 or higher.

Average approval rate for the Platinum Card from American Express

Credit RangeApproval Rate
720-85096%
680-71980%
620-67948%
300-61914%
Not Sure33%

How to apply for the card

1. On the American Express website, click the Apply Now button.

step 1 platinum amex credit card

2. Complete the application form with information like your Social Security number, home address, income source and total annual income.

step 2 platinum amex credit card

How long will it take to be approved?

Because conditional credit card approval is automated on the website, you can get a decision on your application within 60 seconds.

I got the card — now what?

  • Making payments. Register your account at the American Express website to pay your balance online. You can also enroll in autopay.
  • Avoiding fees. Late and returned payments come with hefty fees of up to $38.
  • Customer service. Help documents aren’t easily accessible on the American Express website, but you can call 1-800-528-4800 for customer service. According to market research company J.D. Power, cardholders give American Express high marks in customer interaction.

Credit Card Insights: Platinum Card from American Express

We’ve polled hundreds of Platinum Card users. Here’s what we’ve found.

Quick stats
Application iconApplication process rating: 71%.
Customer service iconCustomer service rating: 81%.
gauge credit meterApproval rate for 720–850 credit range: 96%.
loan-line33% of users confident the $550 annual fee is worth it.
priority meterNo. 1 reason people sign up: Signup bonus.
Pay monthly balance 253% pay monthly balance in full.
Bonus74% met the minimum spend and earned the bonus.

Reviews around the web on the Platinum Card

Critics and user reviews from around the web on the Platinum Card from American Express

Before Chase swept onto the scene vying for American Express’s user base, the Platinum Card from American Express was the go-to travel card for stylish flyers. While the Amex Platinum remains one of the better options, stiffer competition from Chase’s Sapphire Reserve and Barclaycard’s Arrival Plus World Elite means you’ll want to carefully consider how much you travel per year to see if the $550 annual fee is worth it. If you’re “an occasional traveler,” the card isn’t going to “magically get you into first class,” writes NerdWallet’s Virginia McGuire, but the “fantastic travel benefits” (ValuePenguin) means if you’ve “excellent credit and a liberal budget” the Amex Platinum card is worth “a closer look” (WalletHub).

Critic reviews

CriticRatingNotable quotable
nerdwallet logo NerdWallet’s Virginia C. McGuire“If you’re an occasional traveler who flies coach and stays at the Holiday Inn, The Platinum Card® from American Express isn’t going to magically get you into first class and the presidential suite at the Ritz-Carlton at no extra charge.” Read more
“If you’re an occasional traveler who flies coach and stays at the Holiday Inn, The Platinum Card® from American Express isn’t going to magically get you into first class and the presidential suite at the Ritz-Carlton at no extra charge.” Read more
wallethub logoWalletHub’s John S. Kiernan100%“As a result, the Amex Platinum Card isn’t an everyday credit card, nor is it ideal for most people. But if you have excellent credit, a penchant for travel and a liberal budget, it’s at least worth a closer look given its assorted accoutrements.” Read more
“As a result, the Amex Platinum Card isn’t an everyday credit card, nor is it ideal for most people. But if you have excellent credit, a penchant for travel and a liberal budget, it’s at least worth a closer look given its assorted accoutrements.” Read more
Value Penguin logoValuePenguin’s Robert Harrow94%“Fantastic travel benefits card for frequent flyers. Offers superior travel perks, for a hefty annual feel.” Read more
“Fantastic travel benefits card for frequent flyers. Offers superior travel perks, for a hefty annual feel.” Read more

User reviews

UsersAvg. RatingReview count
nerdwallet logo NerdWallet’s users92%14 reviews
wallethub logoWalletHub’s users74%527 reviews
credit karmaCreditKarma’s users92%73 reviews

Amex Platinum Card vs. Chase Sapphire Reserve

american express platinum card reviewschase sapphire reserve reviews
The Platinum Card® from American ExpressChase Sapphire Reserve
Annual fee$550$450
APRNo interest charges because you pay your balance in full each month17.24% to 24.24% variable
Rewards5x points on travel and 0x points on other purchases3x points on travel and dining and 1x points on everyday spending
Signup bonus60,000 Membership Rewards points if you spend $5,000 in the first 3 months50,000 points, if you spend $4,000 on purchases in the first 3 months

The Platinum Card details

Product nameThe Platinum Card from American Express
Issuing bankAmerican Express
Recommended credit score range720–850
Annual fee$550
Signup bonus60,000 Membership Rewards points if you spend $5,000 in the first 3 months
Intro purchase APRN/A
Intro balance transfer APRN/A
Balance transfer feeN/A
Foreign transaction feesNone
Cash advance rateN/A
Cash advance feeN/A
Penalty APRN/A
Late payment feeUp to $38
Returned payment feeUp to $38
Overlimit feeN/A
Maximum credit limit$2,500
Minimum APR23.99%

Bottom line

The Platinum Card has a high bar to entry — but it heavily rewards those who spend big on travel.

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