Although I agree that the annual fee seems insulting at first, the customer service and benefits received with this card far outweigh the cost in value. The concierge service planned a trip for me and my fiancee to Italy and Greece, and the experience was seamless & priceless (and not overwhelmingly expensive). While we were there, my identity was hacked, and Amex not only caught it within 24 hours but also got me a replacement card the next day AND washed the fraudlent charges without difficulty. That kind of service is more than I can say about some other credit lenders....
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- 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
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We got the platinum card not only for the travel benefits but also because of the supposed world-class service it advertises for when things can go wrong with travel. The platinum card perks are great but when you actually have something go wrong, the service you get is about the same as you get with any other regular credit card. My wife bought a flight from the AMEX travel site, using the card, that had a specific itinerary to fly overseas with a 7-hour layover connection in Moscow. During the flight, the airline changed the itinerary to a departure 24 hours later, and AMEX accepted it, without my wife's knowledge, and she got stuck in the airport for another 30 hours. She had her checked luggage smashed and stolen during the layover, all because AMEX accepted the schedule change. We sent about accepting the schedule change without our involvement, and we filed a luggage assurance claim with AMEX because the airline didn't do anything. It has been over 40 days, and not only have they delayed processing honoring the claims, they have called asking why they should accept responsibility for the mishap when they are accountable. It is shocking; this is the type of service I would expect from a no-frills credit card company that has free products, but not from a credit card company that charges $475 for the privilege of carrying their card. based on my experience thus far, I cannot say that this product offers anything different from other cards in terms of travel protection. You might as well get a free visa card that has the baggage assurance and normal trip protection.
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