Last Updated: 05/14/2026
American Express Platinum Card®
Claimed
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +44
Mostly recommended9 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
20.74% - 28.74%(Verified 07/03/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 07/03/2025)
Credit Score Range
N/A
Annual Fee
$895
Disclaimer popup with additional information
Number of Reviews
American Express Platinum Card® Review
This is a travel card issued by American Express® National Bank. If you're wondering whether American Express Platinum Card® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- With American Express Global Lounge Collection(R) eligible Card Members can enjoy access to over 1,400 airport lounges globally, including The Centurion(R) Lounge, Unlimited Delta Sky Club(R) Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass(TM) Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express(R) App or visit http://www.americanexpress.com/findalounge#/loungefinder.
- As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.74% up to 28.74%.
- 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 Auto Rental Collision Damage Waiver, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
Pros & Cons of Platinum Card® from American Express
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Platinum Card® from American Express FAQ
Does Platinum Card® from American Express have a cash back or rewards program?
Platinum Card® from American Express is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 5 x points (Earn 5X Membership Rewards® Points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. Earn 5X Membership Rewards® Points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 5 x points (5X Membership Rewards® Points on prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points (1x points on other eligible purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Platinum Card® from American Express have a signup bonus?
Yes. As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Does Platinum Card® from American Express offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Platinum Card® from American Express benefits?
American Express Platinum Card® 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 Platinum Card® from American Express?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.American Express Platinum Card® has a variable purchase APR that ranges from 20.74% up to 28.74%. American Express Platinum Card® does not offer balance transfers. It also has a variable cash advance APR of 29.24% .
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 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. American Express Platinum Card® does not offer balance transfers.Does 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 Platinum Card® from American Express?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $895 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $195 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $895.
What is the customer service phone number for Platinum Card® from American Express?
The customer service number for Platinum Card® from American Express is (800) 528-4800.
What is the support contact email for Platinum Card® from American Express?
The support contact email for Platinum Card® from American Express is info@americanexpress.com.
How do people rate the customer service and user experience of Platinum Card® from American Express?
Overall, Platinum Card® from American Express is mostly recommended based on community reviews that rate customer service and user experience.
Does American Express Platinum Card® report your account activity to credit bureaus?
Yes, American Express Platinum Card® reports to the following credit bureaus:
- 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 build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, Platinum Card® from American Express performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Platinum Card® from American Express
- Visit the website of Platinum Card® from American Express.
- 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.
American Express Platinum Card® Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. All information about The Platinum Card® from American Express has been collected independently by SuperMoney. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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.
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
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Other Credit Cards from American Express® National Bank
Purchase APR
18.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$325
Disclaimer popup with additional information
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$150
Rating not yet determined
Purchase APR
20.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$550
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$150
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$5K
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$650
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +44, or 3.9 on a 5-point rating scale.
+44
-1000+100
No one recommends
Everyone recommends
American Express Platinum Card® Community Reviews
Would you recommend American Express Platinum Card® to your friends?
KS
Kirk S.
Dec 19, 2023
May or may not recommend
Great usable perks & rock solid support! Check it out and see if it fits your lifestyle.
Joyce H.
Jun 14, 2022
May or may not recommend
I would recommend this for people who love to travel. But first this card is a high tiered card and is not easy to get. Me and my husband applied a couple of times before we were offered to get this card. Both times we were given insufficient credit history reason for the rejection. However, after building history with our Amex green card and raising our credit scores, we were ...Show More
Sienna B.
May 8, 2022
May or may not recommend
Personally, this card has been a lifesaver. What's great about it is that it accepts cosigners, so my grandmother added me to her account. I have my own card with my own name on it and I use it for emergencies. I like to travel (especially in Asia) and this card has never been denied anywhere. I also like the fact that it gives me lounge access at airports and ...Show More
JE
Jerome E.
Dec 21, 2021
May or may not recommend
This is a Premium card to be used mostly by frequent travelers to pay for flights, hotels, Uber rides, airport lounges, etc. There are some accelerator rewards categories and some cash credit for digital services like SiriusXM, but you should only get this card if you are a business traveler or jet setter.
DJ
Daniella J.
Sep 9, 2021
May or may not recommend
Let’s just start by saying how amazing this card is.
The packaging of the card is extremely fancy and I love how thick the card is.
AMEX Platinum card is one of the most prestigious travel credit card you can own right now.
If you like to travel then this card is definitely for you,
The points that you get on a AMEX platinum is not like any other credit ...Show More
VH
Victoria H.
Aug 26, 2021
May or may not recommend
Personally, when I looked into this card initially it looked like a good deal but when you get looking into it but then when I looked at the 600 annual fee I just couldn't say yes to this one. I wouldn't recommend this to anyone who is an average lifestyle, and working average jobs. Honestly I wouldn't even recommend this to rich people. I understand credit companies need to make ...Show More
JR
Jay R.
Jul 20, 2021
May or may not recommend
Some of my family members had an American Express credit card some years ago and they found it pretty restrictive in terms of the places that actually accepted it. Unless that has changed in the last 5 years, I would not recommend getting one. Unless it's not your only credit card, I suppose.
NS
Natalie S.
Dec 11, 2020
May or may not recommend
This is a great credit card service that provides an instant credit line for use worldwide. Excellent customer service for any questions or concerns. I would recommend this card to all friends and family that wishes to use their card worldwide for reliable acceptance, accessibility, and durability It's also great not having to worry about the wear and tear of using the card made from a non-rustible ...Show More
AP
Alex P.
Sep 30, 2020
May or may not recommend
I have used AmEx for many years and they’ve always been outstanding in their service. They’re always happy to help, there’s nothing they won’t try and help with. I even got a really nice metal card to use. I once had a missed payment and it wasn’t an issue, they were extremely professional and supported me, rather than persecuting me to get their money. They really are one of the ...Show More
Showing 9 of 9 reviews
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