American Express Platinum: Why It's Worth the Fee - NerdWallet
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American Express Platinum: Why It’s Worth the Fee

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American Express Platinum

The Platinum Card® from American Express Editor's Rating: 3.4 / 5

With its high annual fee, you may think The Platinum Card® from American Express is overpriced for anyone outside the Rockefeller family. But you may be surprised to find that the annual fee is easily outweighed by this card’s awesome perks and signup bonus. When it comes to combining luxury and practicality, no one does it like The Platinum Card® from American Express. Here’s what you need to know about this card.

The Platinum Card® from American Express

Apply Now on American Express's secure website

Pros

  • No foreign transaction fee

Cons

  • Has annual fee
  • Needs excellent credit

Bonus Offer

Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.

Annual Fee

$450

Intro APR Promotions

None

APR

  • Purchase: N/A
  • Penalty APR: Up to 2.99%, Variable

Card Details

  • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
  • $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.
  • There are no foreign transaction fees with your Platinum Card.
  • New! Enroll to enjoy the benefits of complimentary Hilton HHonors™ Gold Status.
  • Get reservations with Platinum Card® Concierge to enjoy an exquisite dining experience with the #AmexPlatinum Dining Program. Learn more.
  • No interest charges because you pay your balance in full each month.
  • Terms and limitations apply.
  • View Rates and Fees

At a glance
Annual fees$450
Foreign transaction feeNone
Rewards programMembership Rewards points to use for travel, dining, merchandise, etc.
Signup bonusEarn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.

VERDICT:
If you travel frequently and luxuriously, go for it
Good for:
  • Someone who wants luxury travel perks

  • Someone who flies frequently

Bad for:
  • Someone who hates annual fees

  • Someone who typically flies to countries that don't widely accept American Express

In this article:

The Platinum Card® from American Express: The basics
Fringe benefits, front and center
Where The Platinum Card® from American Express shines
Where The Platinum Card® from American Express falls short
The bottom line: Should I get The Platinum Card® from American Express?

The Platinum Card® from American Express: The basics

The Platinum Card® from American Express offers 1 Membership Rewards point per dollar spent on anything, redeemable for a multitude of things, including travel and merchandise. It also has a killer signup bonus: Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.

The Platinum Card® from American Express has an annual fee of $450 and no foreign transaction fees.

Fringe benefits, front and center

The Platinum Card® from American Express has a number of auxiliary perks that aren’t exclusively the domain of the ultra-rich. Most of these perks are quantifiable, obliterating any doubt: The $450 annual fee is an investment that’ll pay for itself and then some if you use the benefits.

  • Complimentary Priority Pass Select membership: Cardholders have access to more than 600 airport lounges worldwide with the Priority Pass program, as well as Centurion and select Delta and Airspace lounges. American Express offers Select access, which means cardholders get complimentary access to lounges all over the world (and pay only $27 for guests). This access normally costs around $400 and is definitely worth it to anyone who flies overseas regularly.
  • $100 credit toward the Global Entry program: Global Entry is a government program that allows certain individuals “expedited clearance” upon re-entry to the United States. American Express can’t guarantee that cardholders will be approved — an extensive application and background check process are necessary to prove you aren’t a risk — but it will rebate the $100 application fee.
  • Up to $200 credit toward expenses on your favorite airline: Register your preferred airline with American Express to get refunded up to $200 per year on incidentals like baggage fees, change fees and in-flight meals.

Where The Platinum Card® from American Express shines

The Platinum Card® from American Express is a great travel credit card for the right cardholder. Here are the perks of getting The Platinum Card® from American Express:

Killer signup bonus. The Platinum Card® from American Express has a signup bonus worth writing home about: Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.

EMV technology and no foreign transaction fees. Provided your overseas destination widely accepts American Express, The Platinum Card® from American Express is a great travel card for international travel. It has an EMV chip for more secure transactions, domestically and abroad, and no foreign transaction fees on your overseas purchases.

Luxury perks. Frequent travelers, especially those who travel overseas, will enjoy the luxury perks of The Platinum Card® from American Express. Between the incidentals credit, access to airline lounges all over the world and application fee reimbursement for the Global Entry program, it will be hard not to get used to traveling like a rock star.

Where The Platinum Card® from American Express falls short

Of course, this card isn’t for everyone. If you fit one of the below profiles better, you may want to consider one of the recommended cards.

You travel, but aren’t likely to use the travel perks.

Chase Sapphire Preferred®

Apply Now on Chase's secure website

Pros

  • A large bonus
  • No foreign transaction fee
  • Cool factor - metal card
  • Rewards redemption bonus through Ultimate Rewards

Cons

  • Has annual fee
  • Best for savvy travelers

Bonus Offer

Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

Introductory Annual Fee of $0 the first year, then $95

Intro APR Promotions

None

APR

  • APR: 16.24%-23.24% Variable
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • Introductory Annual Fee of $0 the first year, then $95

If you do travel, but you probably won’t apply for Global Entry or spend any time in an airline lounge, The Platinum Card® from American Express isn’t for you. The annual fee is simply too large to justify it. Instead, opt for a travel credit card with a lower annual fee and less luxurious perks, like the Chase Sapphire Preferred®. It offers 2X points on travel and dining and 1 point on every dollar spent elsewhere, plus an impressive signup bonus: Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. On top of that, if you add an authorized user and make a purchase in the first three months, you’ll get an additional 5,000 points. Rewards are best redeemed for travel through Chase Ultimate Rewards or transferred to a partner program.

The Chase Sapphire Preferred® has an Introductory Annual Fee of $0 the first year, then $95, which is much more manageable for smaller travel budgets. It boasts no foreign transaction fees, so you can enjoy using this card overseas as well.

You want the perks, but you also want higher ongoing rewards.

Citi Prestige® Card

Apply Now on Citibank's secure website

Pros

  • No foreign transaction fee

Cons

  • Has annual fee
  • Needs excellent credit

Bonus Offer

50,000 ThankYou points when you spend $3,000 within the first 3 months of opening your account

Annual Fee

$450

Intro APR Promotions

None

APR

  • Purchase: 15.49%, Variable
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 25.49%, Variable

Card Details

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 50,000 bonus ThankYou® Points after $3,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for an $800 flight on American Airlines or US Airways®, a $665 flight on any other airline or $500 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases

The Platinum Card® from American Express has great perks and a high signup bonus, but its ongoing rewards structure is relatively low. Instead, you might prefer the Citi Prestige® Card. It offers 3X points on airlines and hotels, 2X points on dining and entertainment and 1 point on every dollar spent elsewhere. It also has a signup bonus: 50,000 ThankYou points when you spend $3,000 within the first 3 months of opening your account. Points are redeemable for a variety of rewards, including cash, travel, gift cards and merchandise.

If you’re worried about missing out on the perks, don’t! The Citi Prestige® Card boasts an annual $250 airline credit, a complimentary 4th night on all hotel stays, and access to luxury perks, like chauffeured cars and private jets. The card has an annual fee of $450 and no foreign transaction fees.

The bottom line: Should I get The Platinum Card® from American Express?

If you travel frequently and internationally — where American Express is widely accepted — The Platinum Card® from American Express is a great card. Provided you can stomach the high annual fee, you’ll be rewarded with luxury perks like airport lounge access and an annual incidentals credit. Enjoy traveling in style, we have a feeling you’re going to enjoy it.

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  • Vivian

    AMEX is horrible recently because they will open this account with $450 fee from you, and then financial review your account immediately and close it without paying back any portion of it (not the pro-rated portion even). So be aware! They are trying to make money this way now, quick, easy and risk-free!

    • Verdkey2222

      Wrong

    • beGOOD

      Not true… you will not be invited for the card i you don’t qualify. Annual fees gets a prorated credit if not used for 1 full year. Even a moron would know that, cmon.

      • http://www.nerdwallet.com/ NerdWallet

        Amex (and most other card issuers) sometimes mail you an invitation even if you don’t ultimately qualify.

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  • bgalakazam

    Do you have access to the lounges no matter which airline you are booked with?

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  • https://www.cardauthorizer.com/merchants-services.html Merchant Services

    I have had mine for 9 months and was very anxious about the annual fee.I’ve gotten discounts at Amazon, a 100% refund for an iPhone that was
    stolen, concierge service to book tickets in Vienna and hotels in
    Germany, and most of all – companion business class tickets where I paid
    for my ticket and just tax for my wife’s ticket. Yes, you pay full
    business class fare, but even then it’s often $500-$700 less for the two
    tickets than two discounted business class tickets, and you get a fully
    flexible fare that you can reschedule or cancel without penalty…

  • RD

    I’ve been a member for almost 20 years and have had nothing but great service from them. AMEX has always taken my side in merchant disputes, covered warranty related items and heck.. once I called them just to ask a question they gave me 2500 points for not replying quickly enough (took them 24 hours). I have had an experience where they needed to verify a purchase while I was in Asia, but better safe than sorry. I would have definitely been upset if it was airline tickets or something, but fortunately it was not. I started as a blue card holder when i couldn’t afford the annual fee. Worked my way up to the membership rewards gold to earn more points. Switched to the platinum for all of the extra travel benefits. I love the security of knowing that if a merchant tries to screw me that AMEX will take care of it. They’re just like any bank. Keep your account in great standing they will always give you the benefit of the doubt. I could go on and on about how great my experience has been with them.

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  • http://twitter.com/alphaomegaevent Alpha & Omega Event

    I agree totally with John! Stay away from them, they are scam artist. They contact you and say all the right things but failed to mention that their is a $750.00 annual fee for all card holders. We get approved that day and they send the cards off and we recieve them in 7 days. One of the cards that American Express sent us was not even for our company. We started paying our bills, etc. Then we get a call and they say we have to pay a $750.00 Annual Fee for each card holder which was more than one might I say! Then we pay the $750 each card holder then start making more charges because we are a small business and then out of no where they come up with some lame ass excuse about having to close the account because one of the card holders information was not completed, which was a lie. Why would you all send him the card then!!!! After they sent the card holder someone elses card in the very beginning, and being an honest business man he called them and informed American Express of this situation the very evening he got the card!!! All in all we are seeking legal counsel to take them to court for this scam they offer small businesses!!! Small Business, and anyone else thinking about going with American Express, stay the hell away from them because they are nothing but SCAM ARTIST!

  • Evans2020

    AMEX Platinum is a joke, a $450 joke and a lot of smoke and mirrors. Lots of hype, little substance. I got this card looking for a great travel resource and I am sorely disappointed by how slimy this company is. I hate the way they treat their customers. They don’t provide anything you can’t do on your own if you are half-literate on the computer, you can get much better deals…and avoid being disillusioned. I regret getting this card and I regret falling for their pitch.

    • disqust101

      I thought the same. Until I realized you get $200 per CALENDAR year airline credit (go buy a $200 airline gift card and it gets reimbursed). So if you are approved Dec 31, you can get $200, and then on Jan 1, get another $200 credit. You are also reimbursed for the $100 Global Entry Fee (good for 5 years), so you’re up to $500 rebate. Then you can get $25 for Small Business Saturday. That’s $525. Then you get access to lounges (although those who fly biz should already get access). Then there’s the dubious benefit of “status” of a Plat card (but it only impresses fools who don’t know better).

      Anyone who travels should get a card, at least for one year (can always cancel before the second year Annual Fee hits). Best way to do it is alternate personal and business Plat cards every year. So you always get $400 credit per card, plus can use the SBS $25 rebate, so net cost for lounge access etc, is $25 card.

      And if you are lucky, there are some tasty signup bonuses. SO grabbed the 100K offer earlier this year, and that was a no brainer.

  • Evans2020

    AMEX Platinum is a joke, a $450 joke and a lot of smoke and mirrors. Lots of hype, little substance. I got this card looking for a great travel resource and I am sorely disappointed by how slimy this company is. I hate the way they treat their customers. They don’t provide anything you can’t do on your own if you are half-literate on the computer, you can get much better deals…and avoid being disillusioned. I regret getting this card and I regret falling for their pitch.

  • solomonshv

    i thought this card had no foreign transaction fee? they still charged you?

  • NYAJoe

    Totally bumped into this thread. Lots of anti-Amex screamers who like two words: “joke” and “scam.” Hmm…makes you wonder. I have 7 Amex cards for 3 different entities (personal, business, and non-profit organization). I’ve been a member since 1991, soon after graduating from college. I’ve had great service from them overall. I give them A-. I remember once or twice I was not 100% satisfied, but considering the huge amount of volume I pass through them, I can’t demand better. There have been multiple times I’ve received full credits for devices out of warranty. The one big unsatisfied problem was with an order from Lumber Liquidators for flooring that was warped. Amex investigated but sided with Lumber Liquidator’s “independent third party inspector.” Of course, that inspector was paid by Lumber Liquidators and wrote up a huge document blaming me for any warping (stored incorrectly, installed incorrectly, etc.). So, I can’t ding Amex too much, because it’s a well-oiled technique Lumber Liquidators has obviously perfected to get around refunds.

  • NYAJoe

    Totally bumped into this thread. Lots of anti-Amex screamers who like two words: “joke” and “scam.” Hmm…makes you wonder. I have 7 Amex cards for 3 different entities (personal, business, and non-profit organization). I’ve been a member since 1991, soon after graduating from college. I’ve had great service from them overall. I give them A-. I remember once or twice I was not 100% satisfied, but considering the huge amount of volume I pass through them, I can’t demand better. There have been multiple times I’ve received full credits for devices out of warranty. The one big unsatisfied problem was with an order from Lumber Liquidators for flooring that was warped. Amex investigated but sided with Lumber Liquidator’s “independent third party inspector.” Of course, that inspector was paid by Lumber Liquidators and wrote up a huge document blaming me for any warping (stored incorrectly, installed incorrectly, etc.). So, I can’t ding Amex too much, because it’s a well-oiled technique Lumber Liquidators has obviously perfected to get around refunds.

  • http://www.credit-cardreviews.blogspot.com/ Credit Card scams

    I don’t have idea about American express.But your post gave me lot of information about American express.Thank you for sharing.

  • Paul Asplund

    Just had a long talk with the Platinum Travel folks regarding the Business/First Class companion
    ticket. It’s a full-fare ticket.

    For us that meant a Business-class ticket from LAX to NCE was $15,000.

    We could buy the same ticket (same airline) ourselves for $7,300.

    Or fly Virgin for $5944.

    So, we’re better off buying our tickets outside of the Platinum program. It’s not all it seems.

  • Paul Asplund

    Just had a long talk with the Platinum Travel folks regarding the Business/First Class companion
    ticket. It’s a full-fare ticket.

    For us that meant a Business-class ticket from LAX to NCE was $15,000.

    We could buy the same ticket (same airline) ourselves for $7,300.

    Or fly Virgin for $5944.

    So, we’re better off buying our tickets outside of the Platinum program. It’s not all it seems.

  • Donna Gilbert

    Ok I
    have an American Express Platinum card and their travel dept cannot get
    me a better rate for the Radisson in Philadelphia than the Radisson can
    give me??? Hmmmmm and their flight rates are higher than Kayak!! Perhaps
    I should go back to the Gold card??

  • Donna Gilbert

    Ok I
    have an American Express Platinum card and their travel dept cannot get
    me a better rate for the Radisson in Philadelphia than the Radisson can
    give me??? Hmmmmm and their flight rates are higher than Kayak!! Perhaps
    I should go back to the Gold card??

  • Jerry

    Here is what just happened to me today 6/28/2013:
    Last week on Jun 15th,2013 I received an approval for the Amex Platinum Card.
    Of-course it sounded too good to be truth so I decided why not take a chance
    right? So, the credit card states that it has “a NO PRE-SET LIMIT” which later
    I found out that was not true…Then I called Amex, told them I was going to be
    traveling to a business meeting with clients and I needed to make sure I was
    not going to be get decline on any of my travel transactions. The representative
    from Amex told me that I “may” get declined and if that happens to please call
    them back…!

    *My response to the Amex rep;

    “Wait a minute, are you telling me I can get
    declined even though I have another credit card through Amex and my credit
    limit is $12,000 dollars…? as proof of been an excellent business client with
    Amex???”

    *The Amex Representative response:

    “Yes!!! You can get declined Mr.XYZ and there is no
    guarantee you will get approved. Just call us back……

    * My response / million dollar question to the rep;

    “Why in the world I would take a chance to be
    embarrassed in front of any of my clients on a dinner table at a restaurant and
    the minute I pull the “amazing platinum Amex” I get a decline in front of them
    for????? Not only that but, in top of that, I have to PAY $450.00 yearly fee!
    On the other side of the coin…….Listen to this, I already have another Amex
    card with a $12,000.00 credit line!, paid in full every month!, and no worries
    of any embarrassment in front of any of my clients at any restaurant while
    conducting my business! Why should I use the “amazing platinum Amex” for
    then????

    * The Amex Representative response:

    “So what would you want me to do Mr.XYZ? Just call
    us back WHEN that happens and we take it from there…………

    ***Conclusion***

    It’s up to you if you want to be played like a
    fool….$450.00 yearly fee, no guarantee if you get a “dinner approval or
    not”,False advertising NO PRE-SET LIMIT!!!! …I am cancelling the AMEX Platinum
    Card by tomorrow and pay my current pending balances off and be done with it!!!
    Now, with respect to my other AMEX card with a $12,000.00 limit and ZERO annual
    fees! I’ll keep that one…Is a good card from AMEX Costco, pays you cash back on
    purchases and NO WORRIES of been decline in front of my clients!!! “Rest in
    peace AMEX PLATINUM”. I won’t take the chance!!! About YOU???????????

    Sincerely,

    Me, an Investor!!

  • Jerry

    Here is what just happened to me today 6/28/2013:
    Last week on Jun 15th,2013 I received an approval for the Amex Platinum Card.
    Of-course it sounded too good to be truth so I decided why not take a chance
    right? So, the credit card states that it has “a NO PRE-SET LIMIT” which later
    I found out that was not true…Then I called Amex, told them I was going to be
    traveling to a business meeting with clients and I needed to make sure I was
    not going to be get decline on any of my travel transactions. The representative
    from Amex told me that I “may” get declined and if that happens to please call
    them back…!

    *My response to the Amex rep;

    “Wait a minute, are you telling me I can get
    declined even though I have another credit card through Amex and my credit
    limit is $12,000 dollars…? as proof of been an excellent business client with
    Amex???”

    *The Amex Representative response:

    “Yes!!! You can get declined Mr.XYZ and there is no
    guarantee you will get approved. Just call us back……

    * My response / million dollar question to the rep;

    “Why in the world I would take a chance to be
    embarrassed in front of any of my clients on a dinner table at a restaurant and
    the minute I pull the “amazing platinum Amex” I get a decline in front of them
    for????? Not only that but, in top of that, I have to PAY $450.00 yearly fee!
    On the other side of the coin…….Listen to this, I already have another Amex
    card with a $12,000.00 credit line!, paid in full every month!, and no worries
    of any embarrassment in front of any of my clients at any restaurant while
    conducting my business! Why should I use the “amazing platinum Amex” for
    then????

    * The Amex Representative response:

    “So what would you want me to do Mr.XYZ? Just call
    us back WHEN that happens and we take it from there…………

    ***Conclusion***

    It’s up to you if you want to be played like a
    fool….$450.00 yearly fee, no guarantee if you get a “dinner approval or
    not”,False advertising NO PRE-SET LIMIT!!!! …I am cancelling the AMEX Platinum
    Card by tomorrow and pay my current pending balances off and be done with it!!!
    Now, with respect to my other AMEX card with a $12,000.00 limit and ZERO annual
    fees! I’ll keep that one…Is a good card from AMEX Costco, pays you cash back on
    purchases and NO WORRIES of been decline in front of my clients!!! “Rest in
    peace AMEX PLATINUM”. I won’t take the chance!!! About YOU???????????

    Sincerely,

    Me, an Investor!!

  • Matt

    so i just got my Platinum card and I’m doing some “test” trips with it. Never in all of my research did I see that they charge $39/airfare ticket to book with one of their consultants (it’s free if you do it on their website). Also, my company has a corporate rate with National….can’t take advantage of that either booking with their agents and/or online. I asked about transferring from one flight to another – ex if I’m on a 5:15 flight from MSP to MKE and I can get on a 3:25 via calling Delta as I’m a Platinum Delta flyer there is no charge – they will charge me the change fee using American Express Travel services. Pretty much useless and painful to navigate their travel site and to make any on the fly adjustments that those of us who travel often are accustomed to doing. I’m actually going to keep my American Express Delta Platinum card as well now to book my Delta flights with. Hopefully the rest of the benefits are worth the $450.

    • http://www.nerdwallet.com/ NerdWallet

      I’m sorry to hear you’re having such trouble, Matt! Hopefully the $200 airline incidentals credit and lounge access will make up for it.

  • Matt

    so i just got my Platinum card and I’m doing some “test” trips with it. Never in all of my research did I see that they charge $39/airfare ticket to book with one of their consultants (it’s free if you do it on their website). Also, my company has a corporate rate with National….can’t take advantage of that either booking with their agents and/or online. I asked about transferring from one flight to another – ex if I’m on a 5:15 flight from MSP to MKE and I can get on a 3:25 via calling Delta as I’m a Platinum Delta flyer there is no charge – they will charge me the change fee using American Express Travel services. Pretty much useless and painful to navigate their travel site and to make any on the fly adjustments that those of us who travel often are accustomed to doing. I’m actually going to keep my American Express Delta Platinum card as well now to book my Delta flights with. Hopefully the rest of the benefits are worth the $450.

  • Rebecca Schmorr

    i was in an airport recently and tried to use the delta lounge (the only lounge available in the concourse) and was told that my platinum membership would not allow me free entry to the the lounge b/c my flight wasn’t a delta airline flight. is this correct?

    • http://www.nerdwallet.com/ NerdWallet

      Unfortunately, the ticket has to be on the same airline as the lounge you’re trying to access: https://www295.americanexpress.com/cards/platinum/benefit.do?benefitTemplate=template_c&benefitId=1. Sorry about the difficulty, Rebecca!

      • Rebecca Schmorr

        thank you for the reply, but i think i’m in agreement with many others on this site. after having the card for over a year, the benefits aren’t terribly impressive considering the high cost of the card. i travel a fair amount, mostly within in the u.s., and the lounge availability was what attracted me to it, however the small-print limitations are pretty oppressive.

  • Rebecca Schmorr

    i was in an airport recently and tried to use the delta lounge (the only lounge available in the concourse) and was told that my platinum membership would not allow me free entry to the the lounge b/c my flight wasn’t a delta airline flight. is this correct?

  • Diotallevi

    So many people making negative comments because of their own mistakes. Let’s take a crack at these one by one.

    1) Rebecca Schmorr: Delta Lounge without a Delta ticket? Of course not! Read the instructions.

    2) Matt: If you signed up for the Platinum Card to be your travel agent, then you signed up for the wrong reason.

    3) Jerry: No preset limit does not mean you have an unlimited credit account. Jame Bond doesn’t have one of those! You can check your spending limit on the Amex site. Here is what they say about it “No pre-set spending limit does not mean unlimited spending.
    Purchasing power adjusts with your use of the Card, your payment
    history, credit record and financial resources known to us, and other
    factors.”

    4) Donna: This card was not designed to get you the best rate available. For that see Expedia, Travelocity, Priceline, Hotwire, Orbitz, etc.

    5) Paul: You are absolutely right. There are SO many better ways to get cheaper business class/first class tickets. US Airways occasionally sells miles at a 2 for 1 rate. Lately the price/mile has increased but it’s still a good deal, especially if you are using their Star Alliance Chart, which is great. Of course after the merger with AA, that will probably go the way of the dodo. Several times my wife and I flew business class on ANA from Dulles to Narita for $1,350 each, plus taxes and fees.

    6) Evans 2020: You give us no concrete evidence of anything. You are a stooge.

    7) Alpha & Omega: The fee is $450, not $750. Not in the US anyway. Stay away from the brown acid!

    8) RC Lamont: You think their customer service stinks and you waited THIRTY YEARS to drop them? Most likely you were very emotional when you posted this, and if not then..SAY AWAY FROM THE BROWN ACID!

    OK, that’s all I’ve got in me tonight. Peace to all and god save the queen.

  • Diotallevi

    So many people making negative comments because of their own mistakes. Let’s take a crack at these one by one.

    1) Rebecca Schmorr: Delta Lounge without a Delta ticket? Of course not! Read the instructions.

    2) Matt: If you signed up for the Platinum Card to be your travel agent, then you signed up for the wrong reason.

    3) Jerry: No preset limit does not mean you have an unlimited credit account. Jame Bond doesn’t have one of those! You can check your spending limit on the Amex site. Here is what they say about it “No pre-set spending limit does not mean unlimited spending.
    Purchasing power adjusts with your use of the Card, your payment
    history, credit record and financial resources known to us, and other
    factors.”

    4) Donna: This card was not designed to get you the best rate available. For that see Expedia, Travelocity, Priceline, Hotwire, Orbitz, etc.

    5) Paul: You are absolutely right. There are SO many better ways to get cheaper business class/first class tickets. US Airways occasionally sells miles at a 2 for 1 rate. Lately the price/mile has increased but it’s still a good deal, especially if you are using their Star Alliance Chart, which is great. Of course after the merger with AA, that will probably go the way of the dodo. Several times my wife and I flew business class on ANA from Dulles to Narita for $1,350 each, plus taxes and fees.

    6) Evans 2020: You give us no concrete evidence of anything. You are a stooge.

    7) Alpha & Omega: The fee is $450, not $750. Not in the US anyway. Stay away from the brown acid!

    8) RC Lamont: You think their customer service stinks and you waited THIRTY YEARS to drop them? Most likely you were very emotional when you posted this, and if not then..SAY AWAY FROM THE BROWN ACID!

    OK, that’s all I’ve got in me tonight. Peace to all and god save the queen.

  • M Flores

    I have been an AMEXP card holder since 1991 and presently use their Costco card and I am happy with it. I have been thinking for quite a while to get the Platinum card mainly because of the free airport lounge benefits and no foreign transactions fees. However, I see many more negative than positive comments about the card just about everywhere I looked, including this forum. Therefore, I decided not to apply for the card. Instead, I decided to apply for the Delta Platinum card, which cost $150.00 annually and has many benefits like checking your first bag for free and priority boarding plus I can extend my payment time if I make a large purchase, which you can’t with the AMEXP Platinum card. Since I don’t travel often, especially overseas, I purchased a PriorityPass to access airport lounges for $84.00 yearly and pay $27.00 per visit which is well worth it, especially when traveling overseas and need to relax with free drinks and snacks and take a quick shower.

  • M Flores

    I have been an AMEXP card holder since 1991 and presently use their Costco card and I am happy with it. I have been thinking for quite a while to get the Platinum card mainly because of the free airport lounge benefits and no foreign transactions fees. However, I see many more negative than positive comments about the card just about everywhere I looked, including this forum. Therefore, I decided not to apply for the card. Instead, I decided to apply for the Delta Platinum card, which cost $150.00 annually and has many benefits like checking your first bag for free and priority boarding plus I can extend my payment time if I make a large purchase, which you can’t with the AMEXP Platinum card. Since I don’t travel often, especially overseas, I purchased a PriorityPass to access airport lounges for $84.00 yearly and pay $27.00 per visit which is well worth it, especially when traveling overseas and need to relax with free drinks and snacks and take a quick shower.

  • ebellit

    We are traveling to Europe this month and I just called AmEx to find out about charges for using the card internationally. We have a Delta Platinum card and the agent told me there IS a foreign transaction fee — 2.7% of the US $ value. Also, the APR for cash withdrawal is really high — 25.24%, plus a 3% or $5 ATM fee (AmEx’s fee, there will also be one from whatever institution the ATM is owned by). Was she wrong or has this changed?)

    • http://www.nerdwallet.com/ NerdWallet

      The Amex Delta Platinum does have a 2.7% foreign transaction fee, and generally speaking, using a credit card to get a cash advance is an incredibly expensive way of getting cash. Instead, I recommend getting a debit card with no foreign transaction fee, such as the Capital One 360, which refunds ATM fees.

      • Hugo Rodriguez

        Dear NerdWallet, was this answer just for the Delta Platinum? Or does it also apply to the standard Amex Platinum?

  • ebellit

    We are traveling to Europe this month and I just called AmEx to find out about charges for using the card internationally. We have a Delta Platinum card and the agent told me there IS a foreign transaction fee — 2.7% of the US $ value. Also, the APR for cash withdrawal is really high — 25.24%, plus a 3% or $5 ATM fee (AmEx’s fee, there will also be one from whatever institution the ATM is owned by). Was she wrong or has this changed?)

  • Giovanna

    I just became an AMEX Platinum member. Would like to know if I should book an upcoming flight to Equador on my own, via American Airlines, or use the AMEX Platinum Desk. What is the advantage/disadvantage of doing so. I do so appreciate your comments. Does the AMEX desk help with any problems along the way, missed flights, etc.? Thank you very much!

    • http://www.nerdwallet.com/ NerdWallet

      We’ve had limited experience with Amex’s flight booking concierge, though they weren’t very helpful in getting us flowers on Valentine’s Day. Readers, any thoughts?

  • Giovanna

    I just became an AMEX Platinum member. Would like to know if I should book an upcoming flight to Equador on my own, via American Airlines, or use the AMEX Platinum Desk. What is the advantage/disadvantage of doing so. I do so appreciate your comments. Does the AMEX desk help with any problems along the way, missed flights, etc.? Thank you very much!

  • Hugo Rodriguez

    Does anyone know if there are charges to use ATMs abroad with the amex platinum?

    • Hugo Rodriguez

      I checked, there are. Hefty too.

  • osuwillis

    DISQUST101… or any other member…. Can you advise if I purchase UNITED gift certificates from UNITED if these will qualify for the AMEX “$200 Airline Fee Credit”?? I am not aware that you can buy actual UNITED “gift cards” anywhere. In talking directly with AMEX, they gave me the impression that a UNITED gift certificate would show up as a “ticket purchase” and thus not qualify for the “$200 Airline Fee Credit”. Has anyone been successful in purchasing UNITED gift certificates and then getting it reimbursed by AMEX under the “$200 Airline Fee Credit”????

  • ramblingrue

    Some people don’t feel it’s worth their time to use punctuation. I parsed his comments with ease, so I think you might be unjustifiably judgmental. Punctuation is a personal thing :-)

  • SunilMur

    Clearly there are pros and cons with anything. After 2 years of membership with Platinum, I am cancelling the account. There are several reasons but one of the more significant ones being the change in the customer service and support. This card membership support used to be really good but now, there is information shared by one agent which is inconsistent when I call back and there is clearly a lack of credibility and customer value.
    Specifically, in 2014, they took away the American Airlines Admirals club lounge membership benefits but as a one-time courtesy, they offered me a “special” credit to sign up for Admirals club membership. I was glad they said I was offered this courtesy and hence I went ahead and became a member of Admirals club. But..But..they failed to disclose the catch. The credit taps into the $200 airline credit that is part of the benefits and when I spend a lot of time explaining that they may have pulled a fast one on me, they refused to acknowledge and customer service could not do anything (reference customer service supervisor: Gustafo, customer service agent: Tena).
    So long American Express Platinum – Get your house in order.

  • Eric Gilbert

    The problem with the Centurion lounges is they do have one in Vegas (concourse D) but I can’t see how they will be successful in larger airports such as Miami being they would have to have multiple ones in different terminals such as terminal A, B, C, D, etc …Customers are not going to want to use a lounge then have to check in their luggage afterwards plus possibly walk a mile or more to get to their gate and go through TSA. I can no longer justify the 450.00 for this card. The Platinum card used to be prestigious now anyone can get one who is willing to pay the 450.00 annual fee. They used to let you in the Continental (United AIrlines ), US Airways/American and Delta and you could bring in two guests when the annual fee was 300.. Now that benefit is gone accept Delta and any guests you have to pay for. Furthermore, they only give you one dollar for every dollar you spend while competitor cards give you up to 3 points for every dollar you charge for gas. I am going to apply for the American Airlines card which has a 450.00 fee and allows you to use the US Airways and American lounges which are located in the terminal where you are flying out from.

  • Eric Gilbert

    The problem with the Centurion lounges is they do have one in Vegas (concourse D) but I can’t see how they will be successful in larger airports such as Miami being they would have to have multiple ones in different terminals such as terminal A, B, C, D, etc …Customers are not going to want to use a lounge then have to check in their luggage afterwards plus possibly walk a mile or more to get to their gate and go through TSA. I can no longer justify the 450.00 for this card. The Platinum card used to be prestigious now anyone can get one who is willing to pay the 450.00 annual fee. They used to let you in the Continental (United AIrlines ), US Airways/American and Delta and you could bring in two guests when the annual fee was 300.. Now that benefit is gone accept Delta and any guests you have to pay for. Furthermore, they only give you one dollar for every dollar you spend while competitor cards give you up to 3 points for every dollar you charge for gas. I am going to apply for the American Airlines card which has a 450.00 fee and allows you to use the US Airways and American lounges which are located in the terminal where you are flying out from.Not

  • Eric Gilbert

    The problem with the Centurion lounges is they do have one in Vegas (concourse D) but I can’t see how they will be successful in larger airports such as Miami being they would have to have multiple ones in different terminals such as terminal A, B, C, D, etc …Customers are not going to want to use a lounge then have to check in their luggage afterwards plus possibly walk a mile or more to get to their gate and go through TSA. I can no longer justify the 450.00 for this card. The Platinum card used to be prestigious now anyone can get one who is willing to pay the 450.00 annual fee. They used to let you in the Continental (United AIrlines ), US Airways/American and Delta and you could bring in two guests when the annual fee was 300.. Now that benefit is gone accept Delta and any guests you have to pay for. Furthermore, they only give you one dollar for every dollar you spend while competitor cards give you up to 3 points for every dollar you charge for gas. I am going to apply for the American Airlines card which has a 450.00 fee and allows you to use the US Airways and American lounges which are located in the terminal where you are flying out from.Not

  • knodi

    Only broke people use proper grammar.

  • Dirk Dasterdly

    I’m trying to find ANY reason to use this or the Black Card. Can’t do it. As others have posted, I use my Cap One 1.5% cash back no limit card for everything. Spend about $250,000/yr with it. That’s over $3700/yr back compared to $2500 point equivalent. And if you only get points and have to spend them on overpriced, or full priced, goods or services, what’s the point? If I wanted to be really frugal, I’d use Discover or Citi that have 5% back on certain categories up to a certain small amount back. I can get better deals shopping online and use my CASH back to buy those things. I’ve never used a concierge service and don’t do airport lounges anyway. Maybe there is a benefit. But I’m sure Amex makes it on both ends. You go to a lounge and pay $12 for a $4 drink or the concierge service sets you up with a vendor who pays them a fee to be “on their list” so they get something for that. No thanks. I think Amex is still stuck in the past where people paid fees for rewards cards. Wake up Amex. And btw, I don’t take Amex at my business bc they charge almost 2x what visa/mc do. “Don’t leave home without it…but if you do, that’s okay because everyone takes Visa.”

  • James

    I cancelled my American Express Platinum, because AMEX lied to me!

    AMEX refused to honor the sign up bonus–despite a representative confirming my account was eligible for it! The offer mysteriously vanished from my account, and the recorded phone call mysteriously was “unable to be listened to.” (AMEX phone calls are recorded for “quality purposes and fraud prevention”).

    I am terminating my relationship with American Express and filing complaints with the BBB/FCPB/FTC, plus giving AMEX bad reviews.

  • Doc Jay

    I love concierge. They’ve gotten me some tough covers: The French Laundry, Per Se, Urasawa, Daniel, and many more. I love the uber connect too. It’s great to pay for your ride with points. I spend about 300k a year on mine and love the companion first class ticket and the lounge access. We also like the car rental car and purchase protection. these features have saved me 10-20k. Love my platinum card

  • Parkerthon

    I’ve come to the conclusion after going back and forth on this card, that it’s really aimed at people with a large amount of disposable income that like to travel and live well. The nicest perks are all really more like convenient VIP customer care services than freebies. This is not a freebie card and this is not a cashback/miles card really. I travel a lot and I know a number of people that have recommended this card to me that have fantastic stories about the perks, but since my wife and I have a young child, I’m passing for now because of the high annual fee and lack of exotic blow it out travel plans in our future. Amex knows the market it’s going after here and it isn’t people trying to score some free vacation.

  • Parkerthon

    I’ve come to the conclusion after going back and forth on this card, that it’s really aimed at people with a large amount of disposable income that like to travel and live well. The nicest perks are all really more like convenient VIP customer care services than freebies. This is not a freebie card and this is not a cashback/miles card really. I travel a lot and I know a number of people that have recommended this card to me that have fantastic stories about the perks, but since my wife and I have a young child, I’m passing for now because of the high annual fee and lack of exotic blow it out travel plans in our future. Amex knows the market it’s going after here and it isn’t people trying to score some free vacation.

  • Dan Myers

    During a recent interview, the CEO of American Express repeatedly referred to the value they offer cardmembers. However: the $200 airline credit can only be used with one airline. Only 1 point per dollar spent. No membership program with Enterprise rental car – the largest in the US. No lounge access to American, United or US Air. No alliance with Hyatt Hotels. Amex Platinum makes sense if you are a frequent customer of Delta, Avis, Hertz or Starwood, unfortunately I am not. When you add your spouse, the annual fee jumps from $450 up to $600. Will not be applying until they get this ship back on course. Until then, will use my 5% cashback Discover card for purchases (includes free credit score monthly) and Marriott Rewards Visa Signature / Hyatt credit card with annual free night certificate. We are not looking for freebie cards, just real value.

  • Robert

    Need an AMEX platinum alternative. I am spending $350k to $500k a year with American Express credit cards and after 15 years as a loyal customer it is time to say goodbye. Let me start off by saying I swore by AMEX for years as the best credit card company out there, referred tons of my friends, clients and even did a case study about how great they where while at UCLA. Today was the straw that broke the camels back. Their customer service has been progressively getting worse over the years and their offerings have dwindled. Today the supervisor I spoke with could not have been more rude, insulting and less helpful. So, why be loyal to a company that does not seem to care about you as a customer. Are there any other premium cards that have come on the market? Has anybody had great experiences with Visa Black or Citi Prestige?

    • Bob Smith

      Good day Robert,

      Have you ever considered purchasing a lifestyle management / luxury concierge service before? I too have been using AMEX for quite some time. Recently, a client of mine turned me on to a company called JetBlaQ. They provide all types of services that fit my needs and my partners needs. I run a small boutique equity firm in Los Angeles. Our office uses JetBlaQ about 3 times a week for all flights and car services. Plus their dining and night life recommendations are pretty solid.

      Another great perk that I enjoy about JetBlaQ is that they have real account executives which are assigned to your account for the whole term of your membership. (Not like American Express) You speak to the same person every time. To date I am very happy with their services. Note: I have been using my The JP Morgan Palladium Card. It’s a little bit more than the American Express Platinum Card, but worth every penny. Hope that helps.

  • Robert

    Need an AMEX platinum alternative. I am spending $350k to $500k a year with American Express credit cards and after 15 years as a loyal customer it is time to say goodbye. Let me start off by saying I swore by AMEX for years as the best credit card company out there, referred tons of my friends, clients and even did a case study about how great they where while at UCLA. Today was the straw that broke the camels back. Their customer service has been progressively getting worse over the years and their offerings have dwindled. Today the supervisor I spoke with could not have been more rude, insulting and less helpful. So, why be loyal to a company that does not seem to care about you as a customer. Are there any other premium cards that have come on the market? Has anybody had great experiences with Visa Black or Citi Prestige?

  • Anna

    member since 1988. I just upgraded my Green card to Platinum. I think
    I’ve already gotten my annual fee refunded by the global entry program
    credit, priority pass membership, etc. There really is no reason for me
    to get this card since I rarely travel, but I can afford the membership
    fee. The $200 airline credit with only one airline is really
    irritating, because how are you going to know when you will need to use
    the benefit or what airline you may be traveling on at that moment?
    It’s obvious they did this to reduce claims — but at the expense of
    their customers being irritated seems foolish. It really makes you
    wonder who’s running the show upstairs with all these bad decisions. I
    think the Centurion lounges are a great idea, due to restrictive
    airline+bank relationships, and they need to build more of them in all
    major airport hubs since the Priority Pass Select is pretty much a joke
    in the U.S. I put this card in my wallet so I have it if I need it, but
    I use my BofA Travel Rewards and Cash Rewards cards for everyday
    purchases because the rewards are so much better than Amex platinum.
    I’m sure someday I will get fed up of paying the annual fee for no
    rewards and cut this card up and send it back to Amex. But for now I’m
    giving it a chance to see if it can help me in any way if I should need
    assistance when I’m traveling.

  • Anna

    member since 1988. I just upgraded my Green card to Platinum. I think
    I’ve already gotten my annual fee refunded by the global entry program
    credit, priority pass membership, etc. There really is no reason for me
    to get this card since I rarely travel, but I can afford the membership
    fee. The $200 airline credit with only one airline is really
    irritating, because how are you going to know when you will need to use
    the benefit or what airline you may be traveling on at that moment?
    It’s obvious they did this to reduce claims — but at the expense of
    their customers being irritated seems foolish. It really makes you
    wonder who’s running the show upstairs with all these bad decisions. I
    think the Centurion lounges are a great idea, due to restrictive
    airline+bank relationships, and they need to build more of them in all
    major airport hubs since the Priority Pass Select is pretty much a joke
    in the U.S. I put this card in my wallet so I have it if I need it, but
    I use my BofA Travel Rewards and Cash Rewards cards for everyday
    purchases because the rewards are so much better than Amex platinum.
    I’m sure someday I will get fed up of paying the annual fee for no
    rewards and cut this card up and send it back to Amex. But for now I’m
    giving it a chance to see if it can help me in any way if I should need
    assistance when I’m traveling or if I get any perks checking into hotels, etc.

  • bradintx

    AMEX lies to all of us. Their commercials clam to get you a new card in 24 hours if needed. That is only true if you conveniently need your new card M-F. We had a fraud usage and the card is automatically cancelled. I am leaving the country on Sunday and need a new card delivered on Saturday. AMEX has a deal with FEDX for delivery but FEDX won’t deliver on Saturday. So the 24 hour promise is a lie. I called my Chase card and confirmed they have no issue and will assure my card for Saturday if I have a similar issue with them. Therefore this is a AMEX issue. If they cared they would get the job done.

  • Sarah1227

    I agree. Been a member since 1988 and am getting ready to downgrade my card. I pay a $625 annual fee. With AMEX constantly changing my credit line for no reason and having credit limits with other cards that offer more rewards, I have seen no reason to keep this card. They left me in a bind while traveling and I just cannot take the chance again.

  • Murat Ozcan

    Can you get the Amex Platinum, add authorized users for all your family members, get the Global Entry,cancel the Amex card and not pay the 450 annual fee, re apply for the card in 5 years, rinse and repeat?

  • Pat

    I was thinking of applying for the Platinum card, but now don’t feel all that fuzzy feeling about it. I do 3-4 international trips/year and and another 7-10 in the US and wanted the lounge access, Delta miles and some of the other perks. My problem is that I exited a Ch13 bankruptcy 5 years ago and I hear that AmeX is not a forgiving creature – regardless of how long ago. Despite the fact we bought his and hers Porsche’s last year and having an Alaska Airlines card with generous limit – Do you think Amex would still blow me off? I don’t want a hard hit on my credit report. Took me awhile to build it back to a 780 score. I may go back to CitiBank after reading that you get lounge access with it.

  • Davedguy

    I will not renew my Platinum card this next year. The $450 renewal fee is outrageous compared to the ‘perks.’ For example, the Priority Pass program is a joke. I’ve been denied access at EVERY airport where I have tried to use it despite assurance from AMEX that it would be honored. These include San Antonio, LAX, Honolulu, Frankfurt and Denver to name a few. Also, the number of available airport lounges worldwide continues to decrease as carriers drop their association with AMEX. The concierge service is also a joke. They are simply looking at the same internet ads you can access yourself. To date, I have always found a less expensive and more convenient alternative on my own than through the service. The point values are also ridiculously low. 50,000 points doesn’t translate to anything meaningful. By comparison, my Southwest Visa through Chase Bank has already earned three round trip flights for both my wife and I.

  • Richard

    This is not true. I requested a new Platinum card because mine had a crack on it. I requested it 2pm on Friday and received it at 9am on Saturday via UPS.

  • Will

    Priority Pass Select is great overseas… will not work in the U.S. I have used it many places overseas and always been grateful for it.

  • Anna

    I’m really surprised this post has gathered so much following….so here’s an update:
    I took a vacation home to see family last week.
    With my Amex platinum card…

    I got to kill time in the Centurion Lounge in Las Vegas for two hours. It was really nice. Very well done. Had a great brunch there.

    I received a free upgrade on an SUV from Hertz.

    When flying back with Delta, I checked into the Delta lounge in Detroit free with my Amex platinum card. I only had to pay $27 for my SO to get in. The normal fee was $50 for each of us, so I saved $73 right there.

    BTW, the Delta lounge was pretty crappy compared to the Amex Centurion lounge.

    I can see if I traveled alot, I would definitely want this card.
    So far so good, Amex.

  • Daniel

    After what the American Express Platinum concierge did for me, I’m going to be loyal to AMEX and this card for a long time to come. This incident alone had the card pay itself back more than two times over (they saved me over $1000).

    Quick story …

    I ordered a surfboard that was shipped via FedEx. It was a pretty hard to find size and shape. FedEx lost the package (non-shocker). I called FedEx and they said I’m out of luck because it was delivered and I signed for it (which I did not … the website said someone by the name of SORRY signed for it). If I’d like I can file a complaint. Which I did and it got denied. This is all on a Monday.

    Enter the concierge …

    From here I called the AMEX concierge about utilizing the customer protection to get refunded. They were very friendly and at some point in the conversation I also mentioned that I would rather have the surfboard than my money back. They called FedEx who magically found the package that there were adamant got delivered.

    When FedEx found the package, they offered some crazy story about what happened. Their story wasn’t too far off from a Batman comic book with a FedEx driver who goes by the name of SORRY being the hero. The story was so crazy, even the concierge wasn’t hopeful they were going to deliver it as they said they would.

    Here is where they really went above and beyond …

    Without me knowing, the concierge then phoned the store I bought the surfboard from and told them the situation. AMEX (with the help of the store) were able to locate an almost identical surfboard in their warehouse that wasn’t on the store’s website. They one they found had a slightly different color to it.

    About an twenty minutes after they told me FedEx would redeliver the package, they phoned me back and AMEX arranged to have the other board put on hold for me so if FedEx failed to locate and deliver the board by Wednesday of that week, they would overnight ship the other surfboard (using someone other than FedEx) so I would have the board by Friday night so I can take it surfing early Saturday morning. Just needed to let them know where I want it shipped if it comes to that.

    It didn’t come to this as FedEx delivered the package on Wednesday. I also received a phone call from FedEx with some ridiculous apology.

    Take away from this story …

    Very aware that I may have lucked out with a concierge who went above and beyond for me a bit more than most. This sort of service may not be typical, but it does happen.

    Even if the benefits aren’t as good as they were a few years back, just being able to get this sort of a service from a credit card company makes the $450 worth it. Just for the peace of mind in situations like this, knowing that they’re capable (and willing) to do this kind of dirty work makes the price more than worth it to me. If I had any other credit card, I’d be out about $1000 and a surfboard.

    Thank you AMEX!

  • Marlon

    i prefer my gold premier rewards better for the points structure and i dont fly often.

  • farsighted

    Canceling this card because of the hoops required to use $200 travel credit (it only can be applied to obscure purchases which I never use– like baggage charges). Used to be able to use gift cards on AA, but now they are not reimbursing them. $450 is too much for the benefits they offer. Go with Citi Prestige instead.

    • Javens

      I just used my American Express Platinum Card to purchase four Delta Airlines gift cards and was reimbursed within 4 days. The only issue is that you can only use three gift cards per reservation.