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  Platinum Card from American Express®

Platinum Card from American Express®

in Personal Credit Cards from American Express National Bank

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Platinum Card from American Express®

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in Personal Credit Cards from American Express National Bank

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Highlights
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 rental insurance, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, purchase protection, travel accident insurance, travel assistance, 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 and 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.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Travel accident and travel assistance insurance.
  • 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

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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • 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 score.

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...

Contact

  • Headquarters
  •   World Financial Center
    200 Vesey Street
    New York, NY 10285
  •   Visit Site

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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.
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
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Flight Insurance  
Emergency Support  
Travel Insurance  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Airport Lounge Access
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
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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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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Purchase APR 15.74% - 24.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 15.74% - 24.74%
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    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
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Blue from American Express®

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Purchase APR 23.99% Variable APR
Balance Transfer APR 23.99% Variable APR
Credit Score Range 750 - 850     300 850
Annual Fee $0 Annual Fee
Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

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Purchase APR 14.74% - 24.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 14.74% - 24.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $95 Annual Fee
Hilton Honors American Express Aspire Card

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Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
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    5% 29% Variable APR
Credit Score Range 750 - 850     300 850
Annual Fee $450 Annual Fee
Hilton Honors Card from American Express

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Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 750 - 850     300 850
Annual Fee $0 Annual Fee
Blue Delta SkyMiles

Blue Delta SkyMiles

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Purchase APR 17.24% - 26.24%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.24% - 26.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 750 - 850     300 850
Annual Fee $0 Annual Fee
Hilton Honors American Express Surpass® Credit Card

Hilton Honors American Express Surpass® Credit Card

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Purchase APR 17.99% - 26.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.99% - 26.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 690 - 850     300 850
Annual Fee $95 Annual Fee
Blue Cash Preferred Card from American Express

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Purchase APR 13.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $95 Annual Fee
Gold Delta SkyMiles from American Express

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Purchase APR 15.74% - 24.74%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 15.74% - 24.74%
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    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $99 Annual Fee
Delta Reserve Personal Credit Card from American Express

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Purchase APR 17.24% - 26.24%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 17.24% - 26.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $450 Annual Fee
American Express Cash Magnet

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Purchase APR 14.74% - 25.74%
(Variable APR)
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