Platinum Card® from American Express Reviews

Cardholders' Choice i
Approval Odds

Sign up or log in to see your Approval Odds

4.3 out of 5 stars
37 Reviews

From Cardholders in the last year

Sign up or log in to see your Approval Odds

Add Review
My Saved Cards
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.


Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

4.5 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

Most Helpful Positive Review

May 15, 2017
Great if you Travel often.....
AustinRB Cardholder

If you fly frequently this cards $550 annual fee can quickly pay for itself. If you don't fly often it's tough to see how to offset the annual fee.

more ...

Was this review helpful?


Most Helpful Negative Review

Jul 16, 2016
Its travel protection is same as others.
nyctraveller Cardholder

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. 

more ...

Was this review helpful?


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

Jul 15, 2017
Benefits outweigh the annual fee
Pele808 Cardholder

I received an invitation for this card after having the American Express Everyday Preferred for a little over 6 months. Applied and was approved. The card arrived in a custom stamped, wooden holder which was a nice touch as it doubles as a phone/iPad stand. Signed up for all of the benefits, Uber, Hilton Honors, TSA Pre-check, Airline credit of $200, Hertz Gold, Priority Pass etc. Annual fee is a decent little chunk due within the first billing cycle but all the benefits I've taken advantage of have already surpassed the fee amount. Hotel room and rental vehicle upgrades, Airport Lounges which are really nice, the TSA Pre-check fee was credited within a few days of the charge posting. As this is a charge card, balance is due at the end of the cycle however Amex mailed me information on 2 other options of paying over time. I haven't used those as I pay off whatever the charges are as soon as they post. (This is also what I had been doing with my Amex Everyday Preferred which I would guess helped to generate my invitation to this card) I'm very happy with Amex, both of my cards have excellent benefits and perks. Don't need any other card!

more ...
Jul 14, 2017
Great Travel card!!
Anielsen87 Cardholder

I Applied with a 709 Fico and was approved instantly, and i started at a 612 fico score. I decided to put my big boy pants and take my credit seruously, so for the next year i did just that. So Started from the bottom now we here :)

more ...
Jun 29, 2017
Great for frequent travelers
Anonymous Cardholder

$200 airline expenses, $200 Uber land Uber VIo status ,  and airport lounge access alone covers the yearly membership fee of $550. If you travel at least a few times per year. 

more ...
Jun 19, 2017
Applied through Credit Karma
Anonymous Cardholder

Applied though credit karma with odds of very good. Approved instantly. This card is well worth the fee if you travel frenquenty. Lounge access, airline credit, boingo membership and Uber credit in addition to other benefits such as spg gold and Hilton gold make it a good deal for some. If you do t travel that much then I'm not sure how you make use of the perks.

I would however like that the airline credit fee be aligned with other competitors cards such as Chase sapphire and Citi prestige which has less restrictions on what you get credit for - such as purchase of tickets etc. 

more ...

Was this review helpful?

1 Reply
Jun 22, 2017

Really need to change this badly! They need to give credit for 5X hotel outside their limited online booking which I can find better prices for...

Jun 05, 2017
Fantastic card!
Anarchylogic Cardholder

A great card and well worth the annual fee. Was approved instantly with 792 Vantage/645 FICO. AMEX is a great company and wonderful customer service. 

more ...

Was this review helpful?

1 Reply
Jun 15, 2017

645 FICO?!

Jun 05, 2017
Ptavvs Cardholder

Being a small business owner, it matters that customers notice and respect what this card says about your word, credit and business history, and accomplishments when paying at dinner or traveling.  It is one of a kind and helps close deals in technology!

more ...
Jun 02, 2017
Attention Getter
Anonymous Cardholder

You get treated like royalty when you pull this card out. Be prepared for the gawkers.

more ...
May 27, 2017
Anonymous Cardholder

After switching from business Amex to personal Amex I lost all my mile points . Called the customer service and they didn't want to transfer them to the new personal card .

Bad Experience!!

more ...

Was this review helpful?

1 Reply
Jun 16, 2017

Always call before switching or better yet read the disclosure. One star for your carelessness is an unfair review in my opinion. Cheers.

May 26, 2017
NO FEE for active duty military
PO3Carmo Cardholder

If you have a good credit score GET THIS CARD. All the benefits are free. They may attempt to charge you the fee at first, just simply call and tell them. I provided my DOD ID number and they waived it right away. Great service. 

more ...
May 29, 2017

Good to know!

May 29, 2017

Ignorance on my part, but what's DOD?

Jun 02, 2017

Do you have to give them anything else besides your DOD number

May 26, 2017
I don't leave home without it!
jvillasjr Cardholder

Great charge card that keeps you in check month over month. No balance carry over since you pay in full, but this card has a Pay Over Time feature similar to a credit card if you need it. 

more ...
Add a Review

Add Your Review

I Own It I Had It I Applied

Please state your experience.

How would you rate this card overall?

Please select a rating

What should others know about this card?


How was application process?

How was customer service?

See Your Approval Odds Before You Apply

Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:

  • Credit scores and reports
  • Credit monitoring
  • Personalized recommendations

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.

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

Platinum Card® from American Express

37 Reviews
Cardholders' Choice i