The Platinum Card® from American Express

The Platinum Card® from American Express

The Platinum Card® from American Express

American Express is a NerdWallet Partner

The Platinum Card® from American Express

The Platinum Card® from American Express

Card details

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.

  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.

  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.

  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.

  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.

  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.

  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.

  • $550 annual fee.

  • Terms Apply.

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $550

  • Rewards rate

    1x-5x

  • Bonus offer

    Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. Terms Apply.

  • Intro APR

    N/A

  • Ongoing APR

    Purchase: N/A

    Cash Advance APR: 25.24%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

American Express Platinum Credit Card

The Platinum Card® from American Express

Annual Fee

$550

Annual Fee

$0

Annual Fee

$0

Regular APR

N/A

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

0% on Balance Transfers for 18 months

Intro APR

10.99% on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Paul Soucy

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • Luxury travel perks (Uber credit, airline fee credit, lounge access, etc.)

  • High rewards rate in certain categories

  • No foreign transaction fees

Cons
  • High annual fee

  • Airline fee credit is limited

  • Low rewards rate on most spending

American Express has relaunched The Platinum Card® from American Express with a "new generation" of perks designed for those who enjoy the high-end lifestyle and aren't afraid to pay extra for it. In the case of this card, "extra" means a $550 annual fee.

The juiced-up rewards include a bigger welcome bonus and the opportunity to earn 5 points per dollar on airfare and hotel stays (see above for details). But what really sets this card apart are its luxury perks, including an annual airline incidentals credit; access to more than 1,000 lounges worldwide; reimbursement for the application fee for Global Entry or TSA PreCheck; premier concierge service; VIP access to tickets and events; and various upgrades and free services at high-end hotels.

In short, The Platinum Card® from American Express isn't designed for people looking for discounts and freebies. It doesn't give you something for nothing. It's for people who want to get more out of the experiences they're already paying for.

Like any good travel card, it doesn't charge foreign transaction fees. But keep in mind that American Express isn't as widely accepted worldwide as Visa and Mastercard. So if you take this card overseas, make sure it isn't the only one in your wallet.

See our full review for additional information.

HEAR IT FROM NERDS WHO CARRY THE CARD 

NerdWallet team members who carry The Platinum Card® from American Express say using the exclusive perks is the key to getting your money's worth: