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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
Annual Fee $550
Purchase APR  (Variable APR) 26.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850

Platinum Card from American Express® Review

Platinum Card from American Express® is a rewards credit card issued by American Express National Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of Platinum Card from American Express®
The Good The Bad
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Earn rewards on every purchase.
  • Platinum Card from American Express® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • 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®?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Platinum Card from American Express® has higher than average purchase APRs.

    Platinum Card from American Express® has a variable purchase APR of 26.99%.

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

    Platinum Card from American Express® does not offer an introductory rate on new purchases.
    Platinum Card from American Express® Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Platinum Card from American Express® Rates & Terms
    Description
    Balance Computation N/A
    Purchase APR 26.99%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR N/A
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Platinum Card from American Express® fees?

    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 $39
    Late Payment Fee up to $39

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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
    Annual Fee $550
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $39
    Returned Payment Fee Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • American Express
    Card Type
    • Bonus Offers
    • Rewards
    • Travel
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • 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
    Emergency Support  
    Extended Warranty  
    Flight Insurance  
    Lost Luggage Insurance  
    Travel Insurance  
    Annual Airline Credit Up to $200
    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.
    No Reward Expiration Period  
    Rewards Categories
    • Airfare
    • Every Purchase
    • Hotels
    Signup Bonus (points) 60,000
    Purchase APR (Variable APR) 26.99%

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        5% 29% Variable APR
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    Purchase APR 17.49% - 26.49%
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    Purchase APR 17.24% - 26.24%
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    Purchase APR 17.99% - 26.99%
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