
American Express® National Bank Platinum® Credit Card
in Personal Credit Cards from American Express National Bank
ClaimedAmerican Express® National Bank Platinum® Credit Card
in Personal Credit Cards from American Express National Bank
Would you recommend American Express® National Bank Platinum® Credit Card to your friends?
Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | 15.99% - 22.99% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 700 - 850 |
Annual Fee | $550 |
American Express® National Bank Platinum® Credit Card Review
American Express® National Bank Platinum® Credit Card is a rewards credit card issued by American Express National Bank. If you're wondering whether American Express® National Bank Platinum® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 5 points per dollar spent.
- Signup bonus. Offers a signup bonus of 60000 points after spending $5,000 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. American Express® National Bank Platinum® Credit Card has a variable purchase APR that ranges from 15.99% up to 22.99%.
- Accepts cosigners. American Express National Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good | The Bad |
---|---|
|
|
Is there a American Express® National Bank Platinum® Credit Card cash back or rewards program?
American Express® National Bank Platinum® Credit Card offers a rewards program to its customers.
Minimum rewards rate | 1x |
Max rewards rate | 5x |
Annual rewards limit | N/A |
Signup Bonus (Points/Miles) | 60000 |
Signup Bonus Spend Requirement | $5000 |
Does American Express® National Bank Platinum® Credit Card have a signup bonus?
American Express® National Bank Platinum® Credit Card doesn't offer a cash signup bonus. However, it does include a 60000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, or other perks.Does American Express® National Bank Platinum® Credit Card offer an annual loyalty bonus?
American Express® National Bank Platinum® Credit Card doesn't offer a cash loyalty bonus.What are the American Express® National Bank Platinum® Credit Card benefits?
American Express® National Bank Platinum® Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for American Express® National Bank Platinum® Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. American Express® National Bank Platinum® Credit Card has lower than average purchase APRs.American Express® National Bank Platinum® Credit Card has a variable purchase APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does American Express® National Bank Platinum® Credit Card have an introductory APR offer on balance transfers?
No, American Express® National Bank Platinum® Credit Card does not come with an introductory APR offer for balance transfers.Does American Express® National Bank Platinum® Credit Card have an introductory APR offer on new purchases?
American Express® National Bank Platinum® Credit Card does not offer an introductory rate on new purchases.Description |
---|
What are the fees for American Express® National Bank Platinum® Credit Card?
The following fees apply to American Express® National Bank Platinum® Credit Card:
Fees | Amount |
---|---|
Annual Fee | $550 |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does American Express® National Bank Platinum® Credit Card report your account activity to credit bureaus?
Yes, American Express® National Bank Platinum® Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for American Express® National Bank Platinum® Credit Card
- Visit the American Express® National Bank Platinum® Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
Other Services by American Express National Bank

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Every Purchase (Points) | 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel, and prepaid hotels booked on amextravel.com. |
American Express® National Bank Platinum® Credit Card Community Reviews
Would you recommend American Express® National Bank Platinum® Credit Card to your friends?
American Express National Bank Personal Credit Cards
- Alliance Credit Union Cash Rewards American Express Card
- American Kennel Club Visa® Card
- Asiana Airlines Visa Signature® Credit Card
- CAP COM Federal Credit Union Visa Classic Card
- California Bank and Trust AmaZing Rewards® Card
- Credit One Bank® Visa® Cash Back Rewards
- First Electric Bank Destiny™ Mastercard®
- GTE Federal Credit Union Go To Mastercard Credit Card
- L.L.Bean Mastercard Credit Card
- QVC Credit Card
- Ralphs Rewards World Mastercard
- Surge Mastercard®