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The Platinum Card review September 2019
Enjoy extensive travel benefits and no interest charges with this super-premium (and as of June 2019, metal!) option from Amex.
If you travel often and want to access a wide range of benefits through your spending, such as airport lounge access and a concierge service, it could be worth considering this charge card from American Express.
Finder rating: ★★★★★
Doing its job: 5/5
In a nutshell:
Up to 30,000 points
Earn 1 point
per £1 spent
|Rep. APR||N/A (this product is a charge card).|
|Annual/monthly fees||£575 per annum|
|Incentive||1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.|
|Additional Rewards Info||Dedicated Platinum Service to take care of your travel and lifestyle plans such as your next travel adventure, dinner reservations and tickets to sold-out shows. Exclusive online access to American Express Travel, an online travel agency where flights, hotels, car hire and experiences can be booked. US$200 credit on every private home rental stay booked with onefinestay. When renting a car abroad, the theft, damage and liability additional/optional car rental insurance is covered for up to £50,000. £10 per month credit when booking a car with Addison Lee. Refund Protection - goods purchased from UK retailers, on or offline, will be refunded the purchase price up to a maximum of £300 per item, should the retailer refuse to refund or take back an unused item within 90 days of purchase. Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences. Eligible for American Express Connect where cardmembers can choose offers from selected retailers to obtain discounts or cashback.|
|Lounge access||Complimentary access to over 1,200 airport lounges across more than 130 countries worldwide through Priority Pass, with supplementary cardholder as guest. Access to the new Centurion Lounge, coming soon to Heathrow Terminal 3.|
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
The Platinum Card has no specified spending limit and a monster welcome bonus (subject to a minimum spend – see table above). There’s a high annual fee, but if you’re likely to spend a fair bit on the card, and could really milk the ongoing rewards, then this card could be a good choice. Plus, you can request one supplementary card (yep – also metal) perhaps for a partner or family member, to earn reward points faster and to share the perks.
Being a charge card, you won’t be able to carry an outstanding balance from month to month – you’ll need to pay off your spending each statement cycle, and in return won’t be charged interest.
The impressive perks attached to this card are geared up to frequent travellers. You and an additional cardholder can benefit from complimentary airport lounge access, comprehensive worldwide travel cover (subject to enrolment) and hotel benefits like room upgrades and late check-outs.
Oh, and did we mention it’s made of metal?
How does this card compare to others that earn Membership Rewards?
How to apply for the The Platinum Card
If you want to apply for this platinum charge card, just click on the “Go to website” button below, and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.
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Our team evaluates credit cards to determine their value against similar products on the market.
We look at the how good the card is for its designated purpose – spending abroad, clearing debt, earning air miles etc. – how costly it is to use day-to-day and whether it offers much in the way of extras.