Platinum Card® from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Visit our credit card partner’s site in order to learn more and securely apply for the Platinum Card® from American Express
  • Terms Apply.    
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
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Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate N/A
Cash Advance Fee N/A
Late Fee Up to $38
Penalty APR N/A
Balance Transfer Fee N/A
Foreign Transaction Fee None
Return Payment Fee Up to $38


Welcome Bonus

Earn 60,000 points after you spend $5,000 in the first 3 months.

All Purchases

1 point per dollar

No cap on spending


5 points per dollar

5X points for flights booked

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
It's okay
by Lemousine
Helpful to 187 out of 195

After meeting the requirements of spending $5k within the first 3 months, it is now time for Amex to fulfill what they promised which is 60,000 bonus points. I was supposed to get the points in July, I didn't get it. They said august, but still didn't receive it in august. They later said I'll get it when my statement close on September 8, that date has come and gone but I'm still waiting. I got so upset and I called them again, customer service told me that they'll have to do it manually from corporate office that it might take 7 to 10 days. Ten days later I called again and they said it's been noted on their system that before the end of September. I called again about a week later and they told me a different thing that I will certainly receive the points by my closing of statement in October, that's October 8th. I am sick and tired of whatever it is that they doing. If you just wanna be deceiving your customers over a mere 60,000 bonus points I think Amex can do better than that.

The 4-star I gave you is as a result of the good experience I've had with them in the past. And that's another reason why I'm being patient. I will call them again before this month's statement closes, in case they need to be reminded. After that, I'm taking this matter to the appropriate authority. And I'll also be coming back here to edit my rating 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Worst card in my wallet.
by MochaDiva
Helpful to 657 out of 719

I applied with 740+ FICO -- don't remember exactly but I know that it was 740+ because I am really proud of having been once at 484 and now being over 70.  I don't pay attention to Vantage anymore because noone else does so I have no idea what my CK score was that day.  The $550 fee is absurd but I paid it because I wanted a card where I could earn points toward travel and I liked the no pre-set spending limit and the pay in full at month end requirement.  Additionally I have read so many good reviews about the card and I saw that I could earn 60000 points in the first 3 months which equals $600 so paying $550 seemed like a good idea.  I earned my points, but along the way there have been too many issues. Yes, it looks great and people are really impressed when you take it out of your wallet... WHO CARES!!  I have now had 3 hotel bills declined at the desk with this gorgeous card.  And just this morning while trying to use it online I was declined an $850 purchase.  In each event the reason I was given when I called customer service was that I had reached the credit limit on my card.  Wait -- the card advertises "no pre-set spending limit" so how can that be? My conversation with the customer service went something like this: Apparently, there IS a spending limit, it's just not preset... HUH?? Well, Miss, you have to establish the spending limit by spending... But I'm trying to spend right now and you won't let me.  Well a few months down the line we will adjust the spending limit if you spend on the card... HUH?? I'm still confused!  And this has happened in 2 other circumstances.  I actually have become afraid to use the card in person because I don't want to be embarassed in having charges declined on a card that weighs 500 pounds!

In case you, like me, are still confused here is the catch with this card:  It costs $550 per year and comes with lots of perks and "no pre-set spending limit".  However, the card uses "algorithms" to understand how much money you spend and evaluate your credit worthiness along the way (initial credit score is clearly unimportant which is why people under 700 can also get approved for this card).  Now I have paid my balance in full on time every month.  Yet, the card comes with many features that are cute and status-worthy but as a functional charge card, so far for me it's not very functional.   $850 is NOT a lot of money and my totaly AVAILABLE credit through other cards exceeds $50K.  Why would I ever want to use a card that I paid $550 to use that won't let me spend $850??  It makes NO SENSE.


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