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Platinum Card® from American Express

Cardholders' Choice i
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4.2 out of 5 stars
25 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

4 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $450
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR Not Applicable

Most Helpful Positive Review

Jun 29, 2016
Unless You're a Centurion Member...
emeraldhue Cardholder

This is quite possibly the next best thing! I received an email invitation to apply for this card when my FICO score skyrocketed to 826 after getting rid of my mortgage and revolving debts. It was a targeted offer of 50,000 Membership Reward points after spending $5,000 in the first 90 days. And it just so happened that my wife was about to do some international traveling, so the minimum spending requirement was much easier to swallow. However, when I saw the $450 annual fee in the fine print, my immediate reaction was "WTF?!" Additionally, since the offer was only targeted at me, I would have to pay another $175 a year in order to enlist my wife as an unauthorized user with an additional card. But after doing some research and calculating the costs versus the rewards, I realized that even the combined annual fee of $625 would be a joke.  Here's why:

1.  Although I cannot directly purchase airfare with it, the $200 airline credit can be redeemed by linking your account to a domestic airline like Delta or Southwest, and then using the card to purchase gift cards from your chosen airline's website. For example, I linked my account to Delta, and I purchased 4x $50 Delta gift cards in four separate transactions. And within days, $50 statement credits appeared on my account four times. Those cards can then be used for booking Delta flights!

2.  The $100 TSA Global Re-entry fee can be reimbursed for EVERY card holder (primary and additional). So between my wife and I, we can each apply for this program, and we would each get $100 credited back to our cards. This was confirmed by a representative of the Platinum customer service team.

3.  For the 50,000 MR signup bonus, I valuate them at roughly $800 if I transfer the points to a partner airline with a one-to-one transfer rate.

So right off the bat, that's $1200 in savings. Even though I realize that I would be not be getting the same amount of rewards the following year, I have not even begun to mention other Platinum benefits such as free airport lounges and Gold status to Hilton and SPG programs where I would be getting free room upgrades most of the time. Really, the annual fee is an investment which would guarantee much greater returns if you use the benefits. And this is a card that carry many benefits right out of the box. However, where it falls short is in the MR earnings potential. You get 2x MR earning for booking flights from AMEX Travel, and that's it. If it was not for the superb Platinum customer service where you can almost immediately talk to someone from the US 24/7, I would have given this card four stars instead.

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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. 

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

Feb 15, 2017
Anonymous Cardholder

Instant approval

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Feb 15, 2017
Fantastic benefits and customer service
Banryoku Cardholder

The customer service is superb. Amextravel offers great rates. All the benefits, and particularly the travel credit and gold status with HHonors and SPG are fantastic.

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Jan 28, 2017
Greatest customer service, rewards, UE
Anonymous Cardholder

Benefits more than pay for the annual fee (e.g. airline credits, access to lounges, gold status at hotels, no fees on int'l purchases, free travel conceirge, etc.). Customer service is always available almost immediately through the chat function and the employees are competent critical thinkers who answer the hard questions efficiently without (it seems) sticking to some mindless customer service decision tree software. AMEX makse me feel truly valued as a client.

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Jan 27, 2017
Anonymous Cardholder

Airline club access, 200 airline credit, excellent customer service, cash back deals, great year end report.  Annual fee is worth the benefits!!!

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Jan 10, 2017
Great Travel Card with Premium Perks
darknightnyc Cardholder

I'll attempt to cover everything. Thumbs up if this helps anyone. One of the best (if not the best) travel cards on the market. Received invitation to apply through American Express (Existing card member with Everyday Card ($0 Annual Fee)) and pulled the trigger after doing a huge amount of research.  Similar cards include Chase Sapphire Preferred and Reserve cards but, American Express rules the "status" game with rental car and hotel status included. Airline credit ($200 per account NOT per user) could use some reworking (Hoping they allow general travel use like Chase Sapphire in the soon to near future. 

This is a charge card and so no pre-set spending limit. I use this card primarily for purchases I make on a recurring basis (utilities, bills, etc.) and thus, not spending anything extra on it. The newly formed 5X points on travel booked with airlines or Amex travel is a huge sell. If you have frequent flier status (I have Virgin Gold and TrubeBlue) then you can earn and use award flights quickly. The perks are well worth the AF of this card for those of you who aren't convinced just yet. After the airline credit, its $250/year and if you factor in Global Entry, Priority Pass (lounge access) then it's even less. The lounge access alone can save you money by not having to purchase snacks and beverages at the airport- an average savings of $18-30 for two.

Added my spouse as an AU so we can hit spend limit for 40K bonus. Additional cards are $175 (Flat fee) for up to 3 users. The beauty here is that you'll gather more MR points AND the AU gets Global Entry, Statuses and Priorty Pass (saving you that stinking Guest fee). My opinion with this card is this: it's not all about the money. It's your relationship with them, spending habits and how you use your cards. Don't apply for this card unless you're comfortable with the AF.

Financials: 58K Annual Income (Did not pad or add spouses income), Amex Everyday (8K CL) and Cap1 Quicksilver (4.5K CL). Experian 687 ;TransUnion 690. No BK, Student Loans (52K) in repayment and a few late payments from 2010-11. I tend to keep Credit Utilization at or below 10% at all times.

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Jan 29, 2017

what did they give you for a limit? I know its not preset, but I'm curious. They sent me an invitation as well and you and I share some similarities

Feb 06, 2017

As you know, there is no pre-set limit however, when I spoke to a CSR, she confirmed that my spending power was above $3000 (single purchase). Since the Platinum isn't really great for points outside of the 5X travel, I primarily use my Amex Everyday which has an 8K limit.

Dec 25, 2016
My oldest card
ChargerGreg Cardholder

Had this card since 1993 starting with the green, then the gold, now the platinum. It's pretty hard to get, and it's pretty nichy, I wouldn't reccomend trying to get one unless you have near perfect credit, make a lot of money, and travel a lot. The travel bennies are solid though.

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Dec 11, 2016
SimpleFrankie Cardholder

I currently have this platinum card love it so far got invited to apply but $450 annual fee.... i like it but going to cancel it after my year ends since i already payed for it

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Nov 22, 2016
RAR3 Cardholder

This is one of my favorite cards to use on my daily purchases.  The perks outweigh the annual fee and the customer service is outstanding.  When I first applied for this card, I was worried that I would not like it.  Even though I had been an AMEX member for a year prior, I still had doubts because of the fact that it was a charge card.  I figured I would give it a shot and hope for the best.  Now, I use this card for everything almost.  It was a great card and I could not be happier.  Some might aruge that the annual fee is too high, but you have to look at the perks that come with it.  For me, the perks all come without the annual fee as I am active duty military and the annual fee is waived; so getting this card was a no-brainer after I realized that AMEX was military friendly.  The membership rewards add up quickly and extra protection user have is very useful in the event the protection is needed.  Overall, I cannot see myself having any issues with this card.  Now with the new 5X points feature on air travel, there is more of a reason to love this card.  The only issue I could see is with the annual travel credit.  With this card, you have to select an airline upfront and can only have the credit applied to purchases with that airline only (minus tickets).  Whereas my Citi Prestige and MasterCard Black Card, you can use the credit towards any airline to include tickets for the Citi Prestige Card.

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Nov 03, 2016
I love my American express business card
Anonymous Cardholder

excellent card for business members

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Oct 22, 2016
Anonymous Cardholder

I have have had the gold American Express card for over 3 years , I recently received an invitation to upgrade to the platinum card and I was approved. The flight points have been updated for this card and there is no other company that offers 5X points for air fair. Along with the lounge access and many more perks that come with being a platinum card holder. There is even an option to pay over time with a set limit so it can act as a regular credit card. The annual fee is a bit high, but with all the perks this card offeres and the new pay over time option along with the hotel extras I feel as if this is a great card to add to your wallet. I agree regarding the customer service line , the representatives have a thick accent and are hard to understand. Overall I love American Express I've had 2 account with them since 2012 The platinum card and the everyday card with a 15K limit that recently got doubled. Great company , over the top card. 

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Platinum Card® from American Express

25 Reviews
Cardholders' Choice i