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 credit card from American Express.
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The Platinum Card® review
By Chris Lilly
- Representative example:
- Representative 688.5% APR variable. Based on £650 annual fee, assumed borrowing of £1,200. Rate of interest 29.4% p.a. (variable).
- Intro bonus
- Up to 75,000 points
- Earn rate
- 1 point per £1 spent
- Interest-free each billing period
- Up to 56 days
Our verdict
Amex has relaunched the iconic Platinum Card, with extensive travel benefits and a shiny new welcome bonus. Bye-bye charge card and hello to a super-premium (metal!) credit card.
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Customer Satisfaction Award
Amex has relaunched its iconic super-premium Platinum Card as a credit card, with a monster welcome bonus. There’s a high annual fee and a pretty hefty representative APR, 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 for a fee of (yep – also metal) perhaps for a partner or family member, to earn reward points faster and to share the perks.
If you already own the traditional charge card, don’t panic throw it away just yet, Amex have announced that your card won’t be automatically cancelled and will still be available for you to use. Both credit cards and charge cards offer different purposes, you may wish to apply for the Platinum Credit Card. If approved for the new credit card, unfortunately will not be eligible for the new welcome bonus and if you do not cancel your charge card, you will have to pay for both annual fees. Stay sharp as the charge card will not be automatically cancelled if you get the credit card.
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?
Pros
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Airport lounge access
-
Worldwide travel insurance (subject to enrolment)
-
Welcome bonus points
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Up to £400 Global Dining Credit (subject to enrolment)
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Hotel benefits like complimentary room upgrades and late check-out
Cons
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High annual fee of £650 per year
-
Many of the perks will require you to actively opt in
Details
Product overview
| Issuer | American Express |
| Network | Amex |
| Representative APR | 688.5% APR (variable) |
| Annual/monthly fees | £650 per year |
| Loyalty scheme | Points |
| Incentive | Eligible new Cardmembers earn 75,000 Membership Rewards® points + a £250 Travel Credit when they spend £6,000 in the first 3 months of Cardmembership. Offer ends 13 January 2026. Annual fee and terms apply. 18+, subject to status. |
| Incentive on opening | Eligible new Cardmembers earn 75,000 Membership Rewards® points + a £250 Travel Credit when they spend £6,000 in the first 3 months of Cardmembership. Offer ends 13 January 2026. Annual fee and terms apply. 18+, subject to status. |
| Additional Rewards Info | This new Cardmember offer is only available if you have not held a personal Membership Rewards enrolled Amex in the last 2 years. If you've held a personal Membership Rewards enrolled Amex in the last 2 years, you'll be entitled to all other card benefits, excluding the welcome offer. New Global Dining Credit benefit: Eligible Platinum Cardmembers receive £400 annually. This consists of £200 annually to spend in the UK (max. £100 every 6 months), and £200 annually to spend abroad (max. £100 every 6 months). The benefit is subject to enrolment. |
| Lounge access | Unlimited complimentary airport lounge visits. Take 1 guest at no extra cost. |
| Purchases | 29.4 |
| Purchases interest-free period (days) | 56 |
| Potential costs | 5Standard |
| Extras | 9.9Excellent |
| Overall Finder Score | 9.9Excellent |
Fees and charges
| Minimum monthly payment | Greater of: 2% of the underlying balance plus the month's interest and any applicable fees and charges; £25; or the outstanding balance. |
| Annual/monthly fees | £650 per year |
| Foreign usage charge (EU) | 2.99% |
| Foreign usage charge (rest of world) | 2.99% |
| Cash advance fee | 3 |
| Late payment fee | 12 |
| Replacement card fee | £0 |
| Duplicate statement fee | £2 |
| Exceeding limit fee | £0 |
| Dormancy fee | £0 |
Application requirements
| Minimum Age | 18 |
| Minimum income | £35,000 |
| Residency | UK resident and has a UK bank or building society account. |
| Availability | Available to new customers |
How does it compare?
American Express's card
1 of 1 result
Finder Score for credit cards
To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.
Read the full methodologyOther popular Amex rewards deals
Table: sorted by representative APR, promoted deals first
Finder Score for credit cards
To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.
Read the full methodologyApproval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Defaqto.
How to apply
First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for The Platinum Card®. This won't impact your credit score. If it's good news, you can then proceed to American Express's online application, which takes 10–15 minutes to complete.
American Express and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. American Express is one of these brands and has won multiple awards!
Here's what it's won in the past year:
- 2025 Provider of the Year Award (Rewards Credit Card)
- 2025 Provider of the Year Award (Business Charge Card)
Bottom line
As the exclusively simple name suggests, the American Express Platinum Card is a premium credit card that doesn’t skimp on the perks. Whether it’s airport lounge access, concierge services or simple reward points, this card delivers in spades, but you’ll need to cough up a whopping £650 per year fee for the privilege. Make sure you repay your card in full each month or you might be hit by that high APR.
But if rewards are what you’re after, it’s hard to look past this premium card, especially if you’re likely to take full advantage of the enormous introductory points bonus.
Frequently asked questions
What credit limit will I get with The Platinum Card®?
If American Express offers you this deal, it will specify a personalised credit limit based on American Express's assessment of your situation. Once you've had the card for a while and shown American Express you're reliable, you may wish to apply for a credit limit increase.
Can I withdraw cash using The Platinum Card®?
Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.
The interest rate on this part of your balance will be 36.7% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).
How much does it cost to use The Platinum Card® abroad?
Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£175.75), it'll cost you around £5.25 in fees.
Can I request an additional The Platinum Card®?
Yes, in fact, you can request up to 5 more. There's no fee for additional cards. Plus, with additional cards, you could be able to earn points at a faster rate. Bear in mind that card debt accrued by additional cardholders is the sole responsibility of the account holder – not the additional cardholder.
Can I use American Express Platinum with Addison Lee?
Yes, you can use your Amex Platinum card to book a private car or vehicle, and can also use it with CityFleet, Radio Taxis and Checker Cars. You can book a car up to three months in advance by using the Addison Lee app.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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