Although it’s $695 a year, i believe it’s worth it, I’m 19, i’m not rich. But if you use it properly the benefits outweigh the cost. $240 in entertainment credit, use it for espn+, disney plus, and hulu. $200 in hotel credit, $200 in airline fee credit, $200 in uber, $189 for clear, and the points back when booking flights and hotels. I’ve definitely put it to use, you just need to know how to use it.

This card is wonderful if you travel a lot. Yes the annual fee is exorbitant for a lot of people, but if you travel and utilize the perks, ( lounge access, hotel credits, Uber credits, etc..) it will be worth it very easily. Basically if you aren’t in a certain income range, this card probably isn’t for you. But that’s not a slight as there are now a several prestigious travel cards available that you can defer to.

I enjoy using my platinum card. Since January, I have utilized 3 times in benefits of the annual fee. High fee but very well worth it!

Was recommended on Credit Karma that I would have Very Good odds to being approved. After applying I was told that I was not. Waste of time.

This card isn't for everyone. If you don't travel alot it's probably not a good fit. All those who complain about the annual fee you shouldn't have got the card. If you take advantage of all the benefits, it's well worth the fee. If you take advantage of half the perks it's worth it. If you travel alot and use airport lounges, it's worth it. You can also get the annual fee waived or get a special promotion if you call and tell them you don't think you are getting much value from the card. If you don't travel alot, and won't use the yearly credits, it makes no sense to get this card. If you mainly purchase food and groceries, etc, get the gold card or the chase sapphire preferred card. Both of those are great cards as well. American express has the best customer service without question.

American Express has great customer service. If you make use of the available credits the $695 AF is doable. There’s value. I have 4 AmEx cards. (AmEx Platinum, AmEx Gold, Delta SkyMiles Reserve and Delta SkyMiles Platinum). Although my AF for all combined is $1745 I get two companion tickets, guest passes for Sky Club access, many upgrades to Comfort+ and First Class on Delta Flights, no baggage fees when I fly, and free access to every lounge you can name. Since I travel more than 5 times annually and I can afford them, the fees aren’t overdoing it.

Use it for business

With the easy pre approval tool provided on the AMEX website you don’t have to cross your fingers hoping you get approved. I applied with a 680 credit score and was approved for the card the has no set limit.This is a good card if you love to travel and the airport lounge access is a game changer. The annual fee may scare some people away but if you use all of your benefits it basically pays for your annual fee.

CK stated I had a "poor chance" of approval. Went to AmEx site and no issues. This is an excellent card to have if you don't mind the fees. Take time to utilize all the benefits (pays for the annual fees).

I have the gold American Express and was rated of having and excellent chance of securing the platinum with CK. Welp; they still denied me! Took a hard inquiry hit for trusting CK. I’m so angry!