The Platinum Card® from American Express
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The Platinum Card® from American Express
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20 reviews
| Community Rating | Mostly recommended |
| Purchase APR (Variable APR) | 15.99% - 22.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 700 - 850 |
| Annual Fee | $695 |
| Number of Reviews | 8 |
The Platinum Card® from American Express Review
This is a rewards credit card issued by American Express National Bank. If you're wondering whether The Platinum Card® from American Express is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
Key Takeaways
- Generous reward rate. You will get a rewards rate of up to 10 reward points per dollar spent.
- Signup bonus. Offers a signup bonus of 100000 points after spending $6,000 within 6 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. The Platinum Card® from American Express has a variable purchase APR that ranges from 15.99% up to 22.99%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- 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, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of The Platinum Card® from American Express
| The Good | The Bad |
|---|---|
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The Platinum Card® from American Express FAQ
Does The Platinum Card® from American Express have a cash back or rewards program?
The Platinum Card® from American Express is a travel rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 10x |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 100000 |
| Signup Bonus Spend Requirement | $6000 |
| Signup Bonus Spend Period (months) | 6 months |
Does The Platinum Card® from American Express have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 100000 points signup bonus after spending $6000 that can be redeemed for travel, gifts, or other perks.Does The Platinum Card® from American Express offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the The Platinum Card® from American Express benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for The Platinum Card® from American Express?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.The Platinum Card® from American Express 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 29.99% 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 The Platinum Card® from American Express have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does The Platinum Card® from American Express have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for The Platinum Card® from American Express?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $695 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does The Platinum Card® from American Express have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for The Platinum Card® from American Express?
The support contact email for The Platinum Card® from American Express is info@americanexpress.com.
How do people rate the customer service and user experience of The Platinum Card® from American Express?
Overall, The Platinum Card® from American Express is mostly recommended based on community reviews that rate customer service and user experience.
Does The Platinum Card® from American Express report your account activity to credit bureaus?
Yes, The Platinum Card® from American Express 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 The Platinum Card® from American Express
- Visit the The Platinum Card® from American Express 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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
- Email Support
Other Services by American Express National Bank
View all personal credit cards offered by American Express National Bank
Availability
Available in 50 states and Washington, D.C.
- 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
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Annual Fee | $695 |
| Returned Payment Fee | Up to $40 |
| Additional Card Fee Amount | $175 |
| Late Fee Amount | Up to $40 |
The Platinum Card® from American Express Community Reviews
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