Reviews & Info for Platinum Card from American Express® | September 2020

Highlights
Purchase APR (Variable APR)	N/A
Balance Transfer APR (Variable APR)	N/A
Credit Score Range	700 - 850
Annual Fee	$550

Platinum Card from American Express® Review

Platinum Card from American Express® is a rewards credit card issued by American Express National Bank. If you're wondering whether Platinum Card from American Express® is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

Generous reward rate. You will get a a rewards rate of 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.
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 Global Entry / TSA Precheck Fee Credit, purchase protection, and fraud protection.
Good or better credit required. You should probably try with another card if your credit score is below 700.

Platinum Card from American Express® Pros & Cons

The Good	The Bad
Earn up to $40 per month in statement credits when you use your new Card to pay for select streaming subscriptions and wireless phone services through 12/31/20. Multiple credit card perks. Global Entry / TSA Precheck Fee Credit. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Platinum Card from American Express® reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Requires good to excellent credit. Charges an annual fee of $550

The Good

The Bad

Earn up to $40 per month in statement credits when you use your new Card to pay for select streaming subscriptions and wireless phone services through 12/31/20.
Multiple credit card perks.
Global Entry / TSA Precheck Fee Credit.
Cardholders can earn rewards on every purchase.
Earn rewards on every purchase.
Platinum Card from American Express® reports to multiple credit bureaus.
Cardholders can earn rewards on their purchases.

Requires good to excellent credit.
Charges an annual fee of $550

Platinum Card from American Express® FAQ

Is there a Platinum Card from American Express® cash back or rewards program?

Platinum Card from American Express® offers a rewards program to its customers.

Platinum Card from American Express® Rewards
Rewards rate (all purchases)	1%
Max rewards rate	5%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	60000
Signup Bonus Spend Requirement	$5000

Does Platinum Card from American Express® have a signup bonus?

Platinum Card from American Express® 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 Platinum Card from American Express® offer an annual loyalty bonus?

Platinum Card from American Express® doesn't offer a cash loyalty bonus.

What are the Platinum Card from American Express® benefits?

Platinum Card from American Express® provides the following benefits:

ID Theft Protection
Reports to major credit bureaus

What are the relevant APRs for Platinum Card from American Express®?

It also has a variable cash advance APR of 25.24% .

Does Platinum Card from American Express® have an introductory APR offer on balance transfers?

No, Platinum Card from American Express® does not come with an introductory APR offer for balance transfers.

Does Platinum Card from American Express® have an introductory APR offer on new purchases?

Platinum Card from American Express® does not offer an introductory rate on new purchases.

Platinum Card from American Express® Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for Platinum Card from American Express®?

The following fees apply to Platinum Card from American Express®:

Platinum Card from American Express® Fees
Fees	Amount
Annual Fee	$550
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

Does Platinum Card from American Express® report your account activity to credit bureaus?

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 can help improve your credit.

How to apply for Platinum Card from American Express®

Visit 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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

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World Financial Center
200 Vesey Street
New York, NY 10285
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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

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.

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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	$550
Returned Payment Fee	Up to $40
Late Fee Amount	Up to $40

Customer Type	Personal
Minimum Age	18
Supported Income Types	1099 Misc. Income Cash Direct Deposit (W2, SSA, SSDI) Payroll Check or Prepaid Card
Military Status	Active Duty Military Military Dependent Non-Military Veterans
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed Unemployed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	700 - 850 850 300 700

Bonus Rewards	Earn 60,000 Membership Rewards points after you use your new Card to make $5,000 in purchases in your first 3 months.
Annual Airline Credit	Up to $200
No Reward Expiration Period
Rewards Rates	Airfare Every Purchase Hotels
Signup Bonus (points)	60,000
Rewards Type	Points

Cash Advance APR (Variable APR)	25.24%
Balance Computation	Average Daily Balance method (including new transactions)

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Platinum Card from American Express®

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