Platinum Card® from American Express Reviews
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
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.
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Flashy
I spend $550 a year to have this as a status symbol. I work as a waiter in fine dining and these cards appear to be a dime a dozen, but they are generally held by people who seem to have "extra" money. It is a flashy little card for a young man to carry, but that is what its all about. Lounges and Uber credits make this annual fee very worth it.
In love with my Amex Platinum
15 years ago I had a bad run that caused my credit to drop significantly. I had to close all my credit cards and make payment plans. Fast-forward to 2017, decided to reapply to Amex Gold and got approved. This became my daily card and we consolidated all invoices and bills with it. I have 2 authorized users and it gives me clear and precise details of each purchase. Decided it's time for the Platinum upgrade and it feels more convenient than the last time. Every time that I flash my card in airport lounges or establishment it has a sense of recognition and distinction.
I have called couple of times for customer service and it's phenomenal.
Great card for travel purposes!
Awesome costumer service and great benefits.
Well finally got my Amex.
i applied before with a 650 credit score and got denied. Second time i tried it it said we need more time but i gave them a call and my addres had to be re enter . Now got approved with a 753 of course . so far no complaints .
amex takes care of business
have the gold card asked if i wanted to upgrade to platinum... i did
Kind of missed out on the signup bonus tho.
Finally!
I babysat my score & my odds for this card for 1 yr. on CK my score was 680 & I applied when my odds were 'good'. I was immediately approved. I have Marriott Bonvoy so that might be a challenge but according to reviews, Amex Platinum is amazing. I just got the card & the benefits are more than anticipated. I had an Amex agent enroll me in the travel rewards perks, so I should expect a card in a couple weeks before I travel. Outside of the annual fee, I'll just have to use this card wisely & pay it off monthly. There's an option to extend the payments, but I'm not too sure on the APR on that. So far all's good!
If you have an offer for this card, do you have to apply through CK? Or can you go directly to Amex?
Great rewards card with excellent perks
Really great card, I have had it for a few months and couldn't be happier. I haven't made any large purchases but beforehand I would check my purchasing power using the AMEX app.
A must have for the benefits
This card is not great for "points per dollar spent." The benefits the card has make the card worth it. Seriously it pays for itself. The yearly fee evens out trust me. I was tickled when I called customer service prior to traveling. They said, due to our technology there's no need to call to tell us you're traveling. Ha! I felt like somebody LOL!
What are benefits you get that evens out the yearly fee?
Its the worst card And company
Its the worst card ever and worst company/bank last weekend whilr i was out and trying to purchase something at the store i realized they reduced my limit FROM 20,000 to 1000 !!!! Unbelievable!! Just because my credit score dropped few points and that’s because of the equifax fraud which i had nothing to do with it and theres a le suit for them! Idk if they can do that i never missed any paiment and never had any issue as of paying my card so just dont get this card or any American express cards theyre really umreliable
Are you sure you actually have the American Express Platinum (charge) card (and not, perhaps, the Delta Platinum (credit) card? I ask because there's no stated "limit" with the Platinum card. I also don't quite understand how the "Equifax fraud", which was a couple years ago now, would have affected your credit score NOW.
Actually yes the charge cards do have a limit. After so much spending your card can be turned off. I called amex to ask what my spending power was for this card and they said 10k. I heard its based on your other total spending limit on all cards but I don't know how true this is, but its true for me.
Funny, you left the EXACT same review, word for word, on the amex every day cash card?
All these so-called credit card companies do that if it drops a little or you miss payments with other people they decrease your credit balance a lot it's sad because you sound like you're a good customer take care.
Another spam, junk story... CK is ripe with these. Whatever. Until CK figures a way to weed out such stupidity, I am off of these reviews and comments.
People.. that reviewer is clearly a troll. Can't spell to save their life, & grammar atrocious. (That alone should be enough to ignore them). Plus another astute commenter noted he's posted identical review on a different card. Idiots & trolls abound these days, sigh.
Just got this card and I’m very disappointed..been using this card for almost a month now and last night I decided to book my family a nice day at six flags and my card was denied so I did what anyone would do and phoned up American Express and was told that they blocked my card until I’ve made a payment..HUH??...WHAT?...so I asked about the payment and was in total shock when I heard my billing statement will not be ready until September 10 and the payment would be due in October so we continue to talk and I was told from Amex that they needed payment history from me in order to unlock my card..I replied how can there be payment history when my first payment is not due yet??...you haven’t even created an invoice or statement yet and I only have $2,800 charge thus far trying to reach my $5,000 requirement to receive 60,000 points..so then I was told to pay 50% of the balance and they would unlock my card..HUH??...WHAT??...50%?..I ask where are you getting the arbitratray 50% number if no payment is due so basically American Express platinum shut down my card in August for a billing statement that won’t be ready until September 10 and payment won’t be due until October..not keeping this card..going to chase sapphire reserve.
O yeah my credit score is 810 on all three credit reports.
Maybe the consumer is supposed to have $6k in charges, not hold a balance of $6k.
I have heard of this before with other credit cards. Banks get scared when the bill keeps going up and its not being payed off every week. They feel like the card is being charged up and then the person takes their whole check to pay it off. I'm not saying you would have not payed, I'm just saying they get scared when they see this sometimes. Even though it's a charge card, we still have a limit based on our total credit card limit among all cards.
Is this your first account with American Express? If you have no previous relationship with them, this scenario (annoying as it was for you) sort of makes sense from their viewpoint.
Since this is a charge card, there isn’t a preset limit. And since your acct is still. Ew, your preset link will be low, and since you were using it a lot, you’ve reach the limit that they had set for you based on various factors one being the acct is new. Therefor if you want to open up that limit you’d need to make a payment to bring down your balance. They probably recommended 50% so that you’d have enough to charge whatever amount you had gotten denied. After several months of normal use it should be ok. Trust me Amex is com-pli-cated. Also, this is a charge card, understand it first before you get upset.
Trying to rack up 6k right away instead of spreading that over 3 months is not wise at all and will lead to your current predicament...you have no history with Amex and people can be dangerous with charge cards because of the lack of a stated limit so there u go.. I have the gold card and never had a problem and I hit my spend over 3 month period no issues
How is there a shock of having to pay 50% of your balance when 100% of your balance MUST be paid at the end of the billing cycle? If this is a problem then Amex isnt for you. In reality credit cards arent for you as you shouldnt hold a balance at all but charge cards are to be paid in full every month. They saw accelerated spending on a new card and understandably wanted to see a payment first before they were on the hook for 6k+.
ahaha what a salty person. i have this card and charged 8k within the first week and i paid it off completely every week, never had a problem with amex and will continue to use them.