The Platinum Card® from American Express

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Charge Card: Balance must be paid in full each month
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The Platinum Card® from American Express’ Rewards

40,000 points
Base Earn
1 point / $1
Max Earn
2 points / $1
  • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
  • $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.
  • There are no foreign transaction fees with your Platinum Card.
  • Enroll to enjoy the benefits of complimentary Hilton HHonors™ Gold Status.
  • Get reservations with Platinum Card® Concierge to enjoy an exquisite dining experience with the #AmexPlatinum Dining Program. Learn more.
  • Terms and limitations apply.

The Platinum Card® from American Express’ Key Fees

  • ANNUAL FEE $450
  • LATE FEE $37 or 2.99% of the past due amount, whichever is greater

The Platinum Card® from American Express’ Additional Info

  • No interest charges because you pay your balance in full each month.
  • This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card.
  • No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
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4.1 out of 5

443 reviews
Photo of Card H.
Jan 15, 2016
The American Express Platinum Card hurls plenty of perks to prospective cardholders, offering a $400 initial bonus, access to lavish airport lounges, a $200 annual airline credit and complimentary gold-level status in both Hilton HHonors and Starwood Preferred Guest hotel loyalty programs – just to name the headliners. However, Platinum also weighs heavily on your wallet, demanding an annual tribute of an astounding $450. That’s a lot to pay for any piece of plastic. In fact, it’s actually more than the going rate for the card’s weight in real platinum, which is pretty absurd to think about. This steep fixed cost is ultimately why the American Express Platinum Card won’t more
Photo of Christopher H.
Mar 26, 2016
This is obviously a card that has its pros and cons, but i believe the pros can outweigh the cons easily if you use them. 200 airline fee credit, 100 dollar global entry credit, 300 dollar a year lounge access, access to delta and other lounges, status without doing anything. The only thing this card is missing is a tiered rewards rate. It sucks getting 1 point for everything and 2 points for overpriced travel through their website. This card is mainly just for the points and not for points, if you want points you should get the premier rewards gold card. Also American Express has the best customer service more
Photo of Marlo A.
Jan 5, 2016
Sitting here reading these comments on the dislike of their af makes me question if many card holders actually understand the purpose of this card. The price of their af equates to perks that are offer for this particular card. If you think the fee is too high, then it's not for you. Amex has a great product line that reflects individuals' finances. This platinum card is not the only or last card ever made. Part of being accepted by this company means that you have made good or demonstrate good spending habits or good financial decisions. Don't get caught up in the perks or status of a card. Continue more
Photo of Emily H.
Sep 10, 2015
The fact that you can get such a high amount of bonus points with this Platinum card from American Express card after spending $3,000, which you could easily do if you travel quite a bit is a great feature of this card. However $450 for an annual fee seems a bit high. I believe using this card you would really have to decide if you could write it off for tax purposes or if you were paying for it personally. The Capital one Quicksilver credit card I have no has no annual fee at all.
Photo of Andrew W.
Jul 15, 2015
Although the $450 fee is high the benefits outweigh it, even if you are not a big spender. Figure $100 of the $200 airline benefits, 3 trips to the Centurion club in NY SF Dallas or LV is worth $150, $20 for TSA Precheck means it costs $180 a year still a lot. BUT you also get Hertz and Avis and SPG gold membership and no expiration date on miles with a 20% mile refund when you use the miles directly instead of transferring them to an airline program. That has a hard-to-measure value. And if you eve take an upscale cruise on one of several cruise lines Amextravel counselors more
Photo of Chris G.
Jun 24, 2015
Great overall card for those who travel a lot. The membership rewards are very good and there is a wide variety of selections. Some examples off the top of my head include lounge access at many airports. $200 credit for travel expenses, concierge service at airports and hotels, hotel accommodations, sporting event rewards, entertainment/concerts, etc. No international currency fees are also great and really useful. There is a pretty steep annual fee but if you travel a lot then it is very much worth it. A very solid card but I had to take off one star for the big annual fee.
Photo of Laura H.
Jun 9, 2015
What I like about this Platinum card with American Express is that most businesses are familiar with the brand American Express. I also like that you can earn points for each purchase, and even double points, and that there is no limit on the amount of points you can earn. However, I don’t like that the balance must be paid in full each month, or that there is an annual fee of $450. With my current Capital One card, there is no annual fee, and I can earn rewards also.
Photo of Blake M.
May 7, 2015
The Platinum Card from American Express is a fun card to have. Firstly, you have the prestige of having the classic high tier card from American Express but it has a lot of great things about it as well. Great initial point bonus and a lot of points that can stack up after that, no foreign transaction fees (Which if you're a big international traveler can really be a pain after awhile if you're not careful) and being an American Express it's accepted everywhere.

It's a fantastic card by itself but it really shines for travel. Accepted everywhere, no foreign fees, and if you're in a pinch the concierge service can more
Photo of John W.
May 7, 2015
This credit card is great. Women are always impressed by men who have the word "Platinum" on their cards and I like that. the point system is fantastic and of all of the credit cards I have, American Express provides the coolest points rewards. This car is accepted like everywhere, and the fact that there is a $38 dollar late fee doesn't concern me, neither does the $450 annual fee, because if you're rich you don't need to worry about that stuff.
Photo of Kenneth W.
Jun 29, 2015
I agree bro... I just received my Platinum American Express Card and I love it
Photo of Kieran H.
Apr 22, 2015
Overall this card rocks! The Platinum Card from American Express is great if you are travelling overseas, as there are never any foreign transaction fees. (which is also a plus for some online purchases where you can get hit with fees here and there from other cards!) The only downside is the annual fee, but if you are travelling it more than makes up for that. The points that it offers too, coupled with the offers that Amex allows you to add to The Platinum Card from American Express instantly from your online account allow you an amazing amount of savings. (These offers can be loaded with just a few more
Photo of Max H.
Apr 4, 2015
Do not get me wrong, I really like the Platinum card, but it definitely has its flaws. If I am being completely honest, I have to bring up all of the places that do not accept this card. Living in a place like New York City, the last thing you want is to be in a line at checkout and then end up holding everyone back while looking for your card to only realize that the establishment does not accept it. For example ,some places that accept Visa but not this card include my local McDonalds, Northface, and H&M. IN addition to these, there are also a lot of local more
Photo of Melody L.
Apr 3, 2015
This card is definitely not for the average credit card user. I think an annual fee of $ 499 is outrageous. I also notice that in the terms it says "Up to" $200 Airline Fee Credit Annually. I wonder what the typical user of this credit card receives. I also notice that in order to get the statement credit you need to chose one particular airline that you plan to use every time. When I fly I chose the airline that has the best deal I'm not loyal to any one particular airline. I think that the Chase freedom card has a much better reward program. No annual fee, points more
Photo of Shayna A.
Mar 20, 2015
The Platinum Card from American Express may appeal to the high end business user but for most people it won't be worth the money. The annual fee is a whopping $450. If your credit is good enough to be approved for the card, you can really do better although the perks may make it worth it for you.

With the card you earn 1 point per dollar spent. You also earn 40,000 points if you spend $3,000 on purchases in your first 3 months. As it is an Amex the balance must be paid off each month. There are no foreign transaction fees and they offer a concierge service. This would more
Photo of Brad A.
Mar 4, 2015
The American Express Platinum Business card is known for being excellent and high end. American Express has built their business on superior customer service, and this card is no exception. I have the card and really enjoy how many points you can earn easily with the rate of $1 per 1 point. Additionally, I receive a $200 airline fee credit annually. The only drawback of this card is that the balance must be paid in full each month. However, the benefits of the card outweigh this.
Photo of Nate G.
Jan 30, 2015
The Platinum card looks like a very good card for those who are big spenders and big travelers. Although it has a big annual fee, it is designed in such a way that a savvy user can take advantage of the perks and successfully save money with this card. With the 200 dollar airline fee credit and the lack of international usage fees, this is an excellent card for anyone who travels frequently. The 40,000 bonus points is also an excellent perk for the bigger spenders among us. It is a significant amount and definitely worth considering. All in all, this is a great card as long as you use more
Photo of Meow A.
Jan 26, 2015
My parent's recently talked me into filling out an application for The Platinum Card from American Express so that i could establish some more credit. After I was approved, I was very disappointed in this card. The fees are outrageous! I don't know how they approve someone with my income and expect them to pay $450 a year! The $38 dollar late fees are quite ridiculous too. They add up quickly, trust me. All in all, I give this card a big thumbs down and would probably only recommend it to my worst enemy. If you are rich, I guess it could work for you?
Photo of Christopher H.
Mar 26, 2016
How do you apply for a card without reading everything that goes with it?
Photo of Terrance M.
Jan 5, 2015
This is a great card that does come at a high annual cost. However, this card is for big spenders that will gain points that make up that annual fee cost. Also, you get $200 airline credit per year which is excellent. Now let's talk about the service itself. I've had American Express for year, and their customer service is the best. They offer a lot of perks with this card - you can get into airport lounges at major airports for free just by flashing this card. And if you have any problem with the card, no worry - they'll send you for free another card by UPS next more
Photo of Mel W.
Dec 22, 2014
I am a current owner of the American Express Platinum card. This is a great card that comes with a price. Having this card will run you $450 a year. Getting approved for this card requires the best credit and history. That being said, let's discuss the card. This card is fully insured. You are not responsible for purchases that you did not make. Furthurmore, you are protected up to $2000 on purchases. Ordered something from Amazon and it came damaged in the mail? If Amazon can't fix the problem, call Amex, and they will take care of it. Need V.I.P access to lounges and certain venues? This card will more
Photo of Courtney I.
Dec 19, 2014
This card offers pretty awesome perks like 40,000 points after you spend $3,000 on the card in the first three months. You also get a $200 Airline Fee Credit annually. However, interest rates are high on this card, and there's a high annual fee.
Photo of Joe M.
Nov 28, 2014
The Platinum Card from American Express is just alright. I am not too keen on the fee I have to pay of $450 each year to have the card. I have Discover Card as well and they are much better with not nickel and diming you for everything you do with the card. I guess that is the price you pay for getting amazing rewards back. I spend a lot so the points really add up fast. I really like the extra features the card provides like the ability to make a last second reservation at a nice restaurant around town. I do not get that perk with the Discover more
Photo of Amy B.
Nov 19, 2014
I have had 'points' cards in the past and I really enjoy them. You completely forget until you're minded on your statement and all of a sudden you can get a couple 'free' gift cards to spend on dinner or a favorite store. I wish they'd tell you what the points were actually worth though. 40,000 points seems like a lot, but if you need 50,000 points to redeem them then its just a whole lot of nothing.

There's a $200 annual airline credit, but the purchaser of the card needs to declare the one airline they can use it on? Why? Why is that even a thing? Why can't more
Photo of Joao C.
Oct 30, 2014
I think The Platinum Card® from American Express is a really good card in terms of the rewards and the no foreign transactions fees. However, the only thing I didn't like is the annual fee of 450.00. I believe it is too much for a credit card but you pay for the credit card perks.
Photo of Jerry L.
Oct 30, 2014
This is decent compared to my MasterCard Gold. The American Express Platinum Card seems to have a high fee, but low late charge. I'd say give it some thought.
Photo of Jayson M.
Oct 8, 2014
This card has always been my go to card. Travel a lot for work. The benefits where great for the annual fee cost associated with it. Though, they are taken more and more of those benefits away, that I am feeling the value for me is just not there anymore.
Photo of Roberto S.
Sep 13, 2014
This sounds great! :

$200 Airline Fee Credit
Select a qualifying airline and then receive up to $200 a year in statement credits when incidental fees, such as baggage fees, flight-change fees, in-flight food and beverage purchases, and airport lounge day passes, are charged by the airline to your Business Platinum Card Account.*

But when needed... beware of this:

"Our records indicate you have already selected an airline and are not eligible to change your selection at this time.

You are eligible to change your airline selection once a year in January. No action is required if you would like to keep your current airline selection in the future."

Read well....they only allow this more
Photo of Alia B.
Sep 9, 2014
The Platinum Card from American Express doesn't appeal to me very much. It has an annual fee that seems rather high, and your rewards are point based, which, in my experience, doesn't translate very well. I have a Capital One card and the reward points I receive translate to about 1 cent for every $100 I spend. And on this card, you can only get the 40,000 points after spending $3000. However, if you travel out of the country a lot, the perks might be good for you, as there are no foreign transaction fees and you can get yearly airline credits.
Photo of Chelsie B.
Sep 1, 2014
I just want to say the ONLY reason this is getting 1 star is because it makes me! We have been a card member since 2006 we ALWAYS make our payment before or on the due date and we always pay way more than the min balance Example: Our min payment is around 50 we always pay 200.. Well we were out shopping the other night and had to buy a few large items when we got home and I got online to see our available balance it was $0!!! It is supposed to be $3,000! So I thought it was just a glitch in the system so I called more
Photo of Tien L.
Aug 25, 2014
The Platinum Card® from American Express has many benefits that are not presented on here. You can visit to view all the wonderful benefits. I have been with American Express since 2001 and never use any other card. The Platinum card has a hefty $450 annual fee, which is something that I don't see myself paying for. You can't really beat the 40,000 points offered for spending $3,000 in the first 3 months. I personally wouldn't recommend this card. I would recommend the Blue Cash card (I have been using this card since 2001). This card basically have all the benefits of the Platinum card minus the annual fee more
Photo of AL D.
Aug 25, 2014
what's the beauty of a Card that has to be paid in full every month and cost you $450 a year, well NONE, you might as well use your Debit Card instead....
Photo of Alex H.
Aug 3, 2014
I have been using this card for a while, and I've been nothing but satisfied. Amex customer service is phenomenal. They really care about loyalty. Whether you've lost your card or a company you purchased from is overcharging you, they will support you and fight for you. Because one of my family members uses this for business, we have a lot of points. I actually have been able to get several flights and gadgets just from points. Also, it gets you free access to Delta lounges at airports. The only disadvantage is that it isn't accepted at as many places overseas as some other cards.
Photo of Kyle H.
Jul 30, 2014
This is a dishonest service. They will try and utilize any strategy possible for you NOT to hit your required spending limit in time. The sent me my card AFTER the limit was allowed, yes it took them 3 months to get the card to me, charged the fee and would not give the bonus points to me. Very dishonest practices.
Photo of Kate M.
Jul 16, 2014
I think having the bonus points during the first couple of months of spending is a plus, but the annual fee of $450 is high!
Photo of Victor D.
Jul 9, 2014
The Platinum Card seems does not seem like a card that has many benefits the first problem is that the annual fee is four hundred fifty dollars which is a huge amount, although if you can get approved for a platinum card that might not be much money for you. The rewards program has much to be desired with no cash back rewards and a large spending amount before any type of bonus given to the spender.
Photo of Marisue A.
Jul 8, 2014
Since they have reduced all the benefits you are paying alot...for nothing!!!! Forget traveling over seas, AM EX declined the card every where I went. Thank goodness for Visa!
Photo of Thomas H.
Jun 23, 2014
This seems like a good card; but it is odd in the way that you have to spend so many dollars to get enough points for a free airline ticket that it defeats the purpose. The annual fee is enough itself for one free round-trip ticket per year! So unless you plan on making every purchase that you buy on this card alone it's not worth the benefit! If you only fly 1-2 times a year it's much more worth your while to get a card with better points and simply purchase the airline tickets yourself!
Photo of Kali B.
Jun 2, 2014
This card would be a good option for anyone who frequently makes high dollar purchases that they have the means to pay off right away. This is particularly beneficial for frequent travelers as this card has no foreign transaction fees and allows you to earn cash back on incidentals. The only thing that concerns me is it does not indicate how many points you need to earn rewards, such as how many you need to get an airline ticket. Therefore, it is hard to weigh the benefits over the $450 annual fee.
Photo of Lisa A.
May 15, 2014
If you are a frequent flyer and/or a heavy traveler (for work or fun), the Platinum Card from American Express is the card for you. The benefits and credits you can receive for flying are tremendous. Use this card for airline incidental fees, i.e. check bags, snacks, flight changes, and you can receive a credit on your statement. There is no charging limit, although it is monitored by your spending habits, credit score, etc. This card must be paid in full every month and the late fees are pretty steep if you are late. The annual fee is high, but you do get great credits if you fly a lot. more
Photo of Corey B.
Apr 8, 2014
I am a frequent traveler to other countries and this card will be perfect for my travels! I like that there are no preset spending limits (perfect for those gifts I didn't know I needed) and no foreign transaction fees. There is even a fund for flight change fees and snacks! I'm packing my bags right now! Wait...annual fee $450.00? That's pretty high, though considering last year in Africa I paid $600 in misc. credit card fees that this card does not have, it all balances out. I love the 40,000 points after I spend $3000 (it won't be a problem). Except for some of the high fees, it looks more
Photo of Pi R.
Apr 4, 2014
Having used Amex long ago, this incarnation seems to be the best they have offered in a long time. The many rewards will offset the hefty annual membership fee, such as the airline statement credits, the introductory 40K points, and the zero foreign transaction fees, which my Citi card charges around 3%. If you spend a lot and have great credit, it's definitely worthwhile.
Photo of Nick C.
Mar 27, 2014
I am really in love with The Platinum Card from American Express. The fee is not really that high when you add in the low fees. Not every card can be used internationally, but this one can. When I travelled to Europe this was one of the only cards that I could use for spending. The low late fee ceiling is nice. Even if I do run a little late, the maximum fee is definitely nowhere near the competitors.
Photo of Vin S.
Mar 20, 2014
This Platinum Card by American Express is very intriguing. American Express is one of the best charge cards in the world. I have experience using the cards but never the Platinum Card. I currently have a Capital One credit card and I do not remember the initial bonuses being great like the bonus offered for this American Express card. Also, the “No foreign transaction fees” is definitely a benefit for the continual use of this card. The annual fee of $450 is definitely a downside over my Capital One card but the prestige of this exclusive American Express Platinum Card and the benefits may be worth every penny. Unfortunately, I more
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Last updated on: Aug 25th, 2016 at 11:54 EDT

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