Platinum Card® from American Express Reviews

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4.8 out of 5 stars
32 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $550
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR Not Applicable

These reviews were written by current and former cardholders in the last year.

Jul 15, 2019
Great for travel purposes

My take on this card is that it's not meant to be a "daily driver" unless you don't care at all about how fast you're accumulating MR points. 5X on airfare, the Hilton Gold status and the airport lounge access are for me the main reasons to have this card. I happen to fly Delta a lot, and their Sky Clubs in the major airports make waiting for flights a lot nicer. Just in one nine-night stay at a Hilton property recently, the free upgrade to a top-floor suite and the daily free breakfast justified a large part of the Platinum card's annual fee. The only annoying "gotcha" is that if you book hotel stays for Hilton and Marriott through the AMEX travel site (have to book that way to earn the 5X MR points on the purchase), the "gold" status at those properties given by the card will NOT be recognized. I am not a frequent Uber user, but the monthly credit does work for Uber Eats so I basically call that "one free delivered lunch per month".

Having this card would make no sense for someone who rarely-to-never travels by air, but frequent travelers will easily get value way beyond the annual fee.

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Jul 07, 2019
Just got approved for this card!
WizzardJoe Cardholder

Have not received it yet, but excited as credit karma said my odds were "poor". Starting to think credit karma is overrated!

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Jul 11, 2019

What are your ck scores?

Jul 06, 2019
PLP11 Cardholder

Best card I’ve ever had. The membership team is amazing and you never have to wait to speak to a live person. Great perks, beautiful card and a fantastic experience! 

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Jun 23, 2019
My favorite card in my wallet!!!
Ironmanjay Cardholder

My first card with American Express is the cash magnet, had it for about a year paid my balance in half or full every month, and just maintained the utilization to 30% or less. After a year was invited to get the Paltinum card. Was a bit skeptical to get because of the 550 annual fee. But after looking at all the benefits that comes with it, they do have value to me. Plus they also have a “pay overtime” feature that allows you to pay like a regular Amex credit card. Great customer services, they show you a lot of love! My score when I got this card was 748 and income 8k-9k monthly. 

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Jun 23, 2019
Ten Years on AMEX Blacklist & APPROVED
AZnovelist Cardholder

It's been a long journey on my way back to AMEX. In 2006 I found myself in an unfortunate situation and sued over a real estate transaction. We lost and walked away from some creditors--AMEX was one of them, to a tune of $24K. From 2006 to 2012 we were chased by creditors and had a mid-500’s credit score. Capital One decided to give me a shot at $300 limit, even though I had defaulted on them. It too a couple years to get it to to a $3K limit, then Chase gave me the Slate. Slowly I crawled out of the low 600’s to the high 6’s and got my first reward card---Chase’s Southwest. I’m a fan of The Points Guy and Read his newsletters. Fast forward to 2019, my score teeters between 750-800, I have 16 cards and over $200K in open lines of credit, and my debt ratio is around 2%---meaning I pay off my cards monthly. I have three premium cards and for the last several years kept getting declined by AMEX. Yesterday I read an article from TPG on AMEX Platinum and decided, what the heck. APPROVED!!!!! There is hope for you that are on the blacklist. 

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Jun 30, 2019

How did you get your income level that high? Have you ever used your lines of credit simultaneously to make a large purchase and would doing so make sense? Great personal story by the way. Great turn around. Congratulations.

Jul 20, 2019

My story is virtually identical and I had to make sure it wasn’t something I wrote. I’m still having trouble getting this card but managed to get the Gold card for my business which is not the same. Will keep trying. Thanks for sharing mate.

Jun 21, 2019
Great travel department-
TexasTylerRose Cardholder

The travel department booked our entire Disney cruise for us, and got me a better rate and nonstop flight that I was not able to get myself.

 I have also enjoyed the points. We got an icemaker for our office which is great and we’ve also had several free hotel stays .

 I am very glad that I got the card.

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Jun 20, 2019
excellent communications
jflisboa Cardholder

In less than five minutes you get a text annoucing the transaction ....this is tremendously helpfull to avoid fraude. The customer service is unique...the high annual cost is a great value for money.....

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Jun 14, 2019
Great for status with Hilton and flights
WiseSpending Cardholder

If you like free breakfast and stay at Hilton for family vacations, this is a great card to get. 5x on airfare, Gold status with Hilton, and free breakfast at Hilton. Free breakfast might not seem like much for single adults, but those with kids or graveling with a spouse it can add up quickly. Only bad side is no travel insurance.

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Jun 05, 2019
My Favorite Card
NovaCenturion Cardholder

The Platinum Card by American Express is adored by some people while neglected by others who prefer more capable cards in terms of generating points. Alas, if you're interested in this card for the points-generating capability alone then you'll more than likely be disappointed given some of the more well-rounded options like the Chase CSR. While the Platinum Card can generate 5x points on a few types of purchases, card members are limited to booking through Amex's travel portal (which is great, by the way) and, in some cases, having to prepay for hotels (something I don't like doing). However, this card is not necessarily about points and is more about perks. Memberships give members perks and that is what Amex is all about: perks. Hence, they call their card holders "members." The Platinum card's robust suite of perks is astounding, especially if you squeeze all of the value out of them. Amex offers, Uber credits, airline fee credits (which can be turned into free plane tickets with some carriers), Centurion Lounge access, access to the Platinum Concierge, roadside assitance (whiich is better than my insurance company's), access to the Fine Hotels & Resorts collection, and so much more. The Platinum Card really does pay for itself if you're committed to milking this card for all it's worth. 

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Platinum Card® from American Express

32 Reviews
Cardholders' Choice i