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Apply online for The Platinum Card® from American ExpressSponsored card
About Our Ratings
Credit Needed
Excellent

The Platinum Card® from American Express Review

Pros & Cons

  • Flight delays are never fun, but with the Airport Lounge Access Program you can wait for the next available flight in comfort with complimentary access to more than 850 airport lounges.
  • Speaking of airplane travel, the Platinum Card provides up to $200 a year in statement credits to cover incidental airline charges, like baggage fees and in-flight refreshments, charged on the card.
  • Because you are expected to pay your balance in full each statement period, there are no interest charges.
  • If you anticipate needing to carry a balance, you’ll want to look for a credit card as opposed to this charge card which requires the balance be paid in full each billing cycle.

Top Features

Points or Miles
One Membership Rewards® point for every dollar you spend on eligible purchases
Bonus Miles or Points
40,000 points
after you use your new Card to make $3,000 in purchases in your first 3 months.
Purchase APR
N/A
Annual Fee
$450

Full Review

Curtis Arnold Editor-in-chief
American Express is a CardRatings.com advertiser.

This card compared to other reward points cards

Points or Miles
One Membership Rewards® point for every dollar you spend on eligible purchases
3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
2X miles/$1 spent on travel and dining; 1X mile/$1 spent on all other purchases. Get 5% miles back to use toward your next redemption, every time you redeem
Bonus Miles or Points
40,000 points
after you use your new Card to make $3,000 in purchases in your first 3 months.
Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
20,000 bonus miles after you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
Purchase APR
N/A
13.24% - 22.24% Variable 
16.24%, 20.24% or 24.24%* Variable 
Annual fees
$450
$95
$0
CardRatings.com Editorial Staff

The Platinum Card® from American Express details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
N/A
Purchase APR
N/A 
Annual Fee
$450

What American Express says about this card

  • 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.
  • 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.

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Michael Gorman ( Jun 16, 2012 at 9:07 am)

    Great service, especially for travel and reservations, good offers at hotels, etc. No limit. Always available with limited waittime. Expensive to own one, but reassuring.


  2. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Michael Gorman ( Jun 16, 2012 at 9:06 am)

    Great service, especially for travel and reservations, good offers at hotels, etc. No limit. Always available with limited waittime. Expensive to own one, but reassuring.


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Featured offers
Currently available on the The Platinum Card® from American Express
40,000 points
After you use your new Card to make $3,000 in purchases in your first 3 months.

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Apply online for The Amex EveryDay® Preferred Credit Card from American Express

The Amex EveryDay® Preferred Credit Card from American Express

  • Earn 15,000 Membership Reward(R) points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards(R) Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
Credit Needed:
Excellent
Apply online for Barclaycard Arrival™ World MasterCard®

Barclaycard Arrival™ World MasterCard®

  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
  • Complimentary online FICO(R) Credit Score access for Barclaycard Arrival cardmembers
Credit Needed:
Excellent/Good