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  American Express® National Bank Platinum® Credit Card

American Express® National Bank Platinum® Credit Card

in Personal Credit Cards from American Express National Bank

Claimed

American Express® National Bank Platinum® Credit Card

Claimed

in Personal Credit Cards from American Express National Bank

Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+100

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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Highlights
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.

Key Takeaways
  • 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.
American Express® National Bank Platinum® Credit Card 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.
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on their purchases.
  • American Express® National Bank Platinum® Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $550
American Express® National Bank Platinum® Credit Card FAQ

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.

American Express® National Bank Platinum® Credit Card Rewards
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.
American Express® National Bank Platinum® Credit Card Purchase Intro Offer
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:

American Express® National Bank Platinum® Credit Card Fees
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.

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.

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
Additional Card Fee Amount $175
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
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
  • Trip Cancellation Insurance
Annual Airline Credit Up to $200
No Reward Expiration Period
Rewards Categories
  • 5x Points on Airfare up to $500000 annually
  • 10x Points on Gas up to $15000 biannually
  • 10x Points on Groceries up to $15000 biannually
  • 5x Points on Hotels
  • 1x Point on Every Purchase
Signup Bonus (points) 60,000
Cash Advance APR (Variable APR) 25.24%
Balance Computation Average Daily Balance method (including new transactions)
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 15.99% - 22.99%
Card Type
  • Rewards
  • Travel
  • Bonus Offers
Card Network American Express

American Express® National Bank Platinum® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+100

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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