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Amex Platinum Card Review: Premier Value for Luxury Card Holders

Review Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

The Platinum Card® from American Express has a huge list of features that could save you thousands of dollars. You'll get elite status with multiple hotels, great airport lounge access, and all kinds of spending credits. Select enrollment required and terms apply. But all that comes with a steep annual fee (see rates and fees) -- find out if it's worth it for you in this The Platinum Card® from American Express review.

The Platinum Card® from American Express
Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: n/a

Balance Transfers: n/a

Regular APR

See Pay Over Time APR

Rewards Circle with letter I in it. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 1X Membership Rewards® Points on other purchases. Terms and limitations apply.

1X-5X Membership Rewards® Points

Annual Fee

$695

Welcome Offer Circle with letter I in it. Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

80,000 Membership Rewards® Points

  • The high annual fee is justifiable for frequent travelers who can take full advantage of a deep bench of valuable perks, including the big welcome offer, robust rewards, and lucrative annual travel credits.

    • Big welcome offer
    • Substantial spending credits
    • Airport lounge access
    • Hotel benefits
    • Flexible travel points
    • Annual fee
    • Limited bonus categories
    • Spending credits can be complicated to manage
    • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
    • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
    • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
    • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
    • $695 annual fee.
    • Terms Apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip delay and cancellation insurance and cell phone protection underwritten by New Hampshire Insurance Company, an AIG Company. Extended warranty, purchase protection, car rental insurance, and baggage insurance underwritten by AMEX Assurance Company.

Full Amex Platinum Card review

This card is a good fit for: Luxury travelers who want to save on high-end bookings. If you'd like to upgrade your travels, you'll get value from this card's lengthy list of benefits.

Top perks

You probably won't find a card more feature-packed than The Platinum Card® from American Express.

80,000 bonus points

You'll earn a welcome offer of 80,000 points for spending $8,000 on purchases within the first 6 months of Card Membership. The offer and spending minimum are fairly competitive with popular welcome offers. Terms apply.

Up to 5 points per $1

The Platinum Card® from American Express earns:

  • 5 points per $1 on flights booked directly with airlines or through American Express Travel, on up to $500,000 in purchases per calendar year
  • 5 points per $1 on prepaid hotels booked on amextravel.com
  • 1 point per $1 on all other purchases
  • Terms apply.

It's not exactly a big earner compared to other cards. But it at least offers high rates on flights and hotels, so you can maximize your rewards in those two categories.

Over $1,500 in spending credits

This American Express card has all kinds of travel, entertainment, and dining credits. Here's what it offers each year:

  • $200 in Uber Cash (and Uber VIP status): Receive $15 in Uber Cash per month, with a $20 bonus in December, for rides or Uber Eats orders in the United States.
  • $200 hotel credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using The Platinum Card® from American Express. Bookings through the Hotel Collection require a minimum two-night stay.
  • $240 digital entertainment credit: Get up to $20 per month back each month on eligible purchases made with The Platinum Card® from American Express on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal.
  • $155 Walmart+ credit: Use The Platinum Card® from American Express to pay for a Walmart+ membership and receive a statement credit covering the full cost ($12.95 plus applicable taxes) each month.
  • $200 airline fee credit: Get up to $200 per calendar year in statement credits when incidental travel fees on one qualifying airline are charged to your Card. This covers anything an airline classifies as a fee, but not airfare.
  • $300 with Equinox: Get up to $300 per year in statement credits when you pay for an Equinox+ digital subscription or an Equinox Club membership with The Platinum Card® from American Express.
  • $100 at Saks Fifth Avenue: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on The Platinum Card® from American Express. That's up to $50 in statement credits semiannually ($50 from January through June and $50 from July through December).
  • $189 with CLEAR® Plus: Get up to $189 back per calendar year when you use your Card to pay for a membership in the CLEAR® program.
  • Select enrollment required and terms apply.

You can also get a statement credit every four years covering a Global Entry or TSA PreCheck membership. Terms apply.

Airport lounge access

If you're looking specifically for access to airport lounges, this card is tough to beat. In my opinion, it has the best airport lounge access in the business. It includes complimentary access to more than 1,400 lounges. These include the following types of lounges:

  • The Centurion Lounges
  • The International American Express Lounges
  • Priority Pass (enrollment required)
  • Escape Lounges
  • Delta Sky Club®
  • Plaza Premium
  • Air Space

It's worth mentioning that lounges can get crowded, and there are sometimes long waits to get in. That's especially true with Centurion Lounges, which are known for their quality. But this is an issue you could run into with any cards that offer airport lounge access.

American Express Membership Rewards points

A card is only as good as its rewards program, and this one doesn't disappoint. Few issuers can rival American Express's list of airline and hotel partners. And all those partners add up to more high-value redemption opportunities for your points. Used wisely, American Express Membership Rewards points can easily be worth $0.02 per point or more. Terms apply.

LEARN MORE: A Complete Guide to American Express Membership Rewards Points

Complimentary elite status with Marriott Bonvoy and Hilton

Being a Card Member entitles you to automatic Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status, so you'll get all the associated benefits. There aren't many travel rewards cards offering elite status with multiple hotel loyalty programs. Enrollment required. Terms apply.

Travel and purchase protections

American Express cards generally have robust travel and purchase protections. Here are the complimentary protections that apply to every eligible purchase made with The Platinum Card® from American Express:

No foreign transaction fee

Avoiding extra fees is a must, especially when you're a frequent traveler. As you probably expected, American Express won't ding you with a foreign transaction fee when you use this card internationally. (See rates and fees.)

SEE MORE: Best No Foreign Transaction Fee Credit Cards

What could be improved

Even the top card in the American Express lineup has a few drawbacks.

Annual fee

The Platinum Card® from American Express benefits carry a high price tag. With a $695 annual fee, it's one of the most expensive cards. To decide whether that fee is worth paying, you'll need to look at how many of the benefits you can use. You could get thousands of dollars in value every year in spending credits, rewards, and travel and shopping perks. If you don't think those features will fit your lifestyle, you should look for other credit card options.

Limited bonus categories

For all its benefits, this American Express card has a lackluster rewards rate. It only has two bonus categories, and neither of them are on everyday spending categories, such as gas and groceries. If your goal is to earn as many points as possible, there are better rewards cards available.

COMPARE OPTIONS: Best Rewards Credit Cards

Spending credits can be complicated

At first, over $1,500 in annual spending credits seems like an incredible deal. But they're also credits that not everybody is going to be able to use, and some are doled out in monthly increments, making them even more difficult. Some have even referred to this card as an expensive coupon book.

If you see several spending credits that you're sure you'll use, then this card could be well worth it. It's also a great choice for people who are organized and don't mind keeping track of all their card's benefits. On the other hand, if the credits aren't in places where you'd normally spend money, then you might not get your money's worth from this card. In that case, keep reading more credit card reviews to find a match.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

A FICO® Score of at least 670 is recommended when applying for The Platinum Card® from American Express, and a score of 720 or higher is even better. Since this is one of the most luxurious cards, it's targeted at consumers with good or preferably excellent credit. Keep in mind that your credit score is just one of many factors American Express will consider, so that alone doesn't guarantee an approval or a denial.

The Amex Platinum Card is right for you if:

The Platinum Card® from American Express is designed for frequent travelers who have high monthly spending and prioritize luxury travel experiences. You'll probably love it if most or all of the following describe your lifestyle:

  • You spend heavily on travel.
  • You like to stay in nice hotels or resorts on your trips.
  • You fly a half dozen times or more each year.
  • You can make the most of the wide array of credits offered.

Alternatives to consider

  • If you want easier-to-use benefits: The Chase Sapphire Reserve® charges a high annual fee as well, but it has a $300 annual travel credit that most cardholders have no trouble using. It also lets you redeem points for travel through Chase Ultimate Rewards at $0.015 per point or transfer points to a long list of airline and hotel partners.
  • If you want a more affordable American Express card: You can get the American Express® Gold Card for a more reasonable annual fee of $250 (see rates and fees). Despite the lower cost, this card still offers hundreds of dollars in spending credits and an excellent rewards rate. Terms apply.

RELATED: Read The Ascent's guide to the Best American Express Credit Cards.

As of Nov. 27, 2023
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The Platinum Card® from American Express Chase Sapphire Reserve® American Express® Gold Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

80,000 Membership Rewards® Points

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

60,000 Membership Rewards® Points

Rewards Program: Circle with letter I in it. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 1X Membership Rewards® Points on other purchases. Terms and limitations apply.

1X-5X Membership Rewards® Points

Rewards Program: Circle with letter I in it. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®

Rewards Program: Circle with letter I in it. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

1X-4X Membership Rewards® Points

Intro APR:

Purchases: n/a

Balance Transfers: n/a

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: n/a

Balance Transfers: n/a

Regular APR:

See Pay Over Time APR

Regular APR:

22.49%-29.49% Variable

Regular APR:

See Pay Over Time APR

Annual Fee:

$695

Annual Fee: Circle with letter I in it. N/A

$550

Annual Fee:

$250

Highlights:

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Highlights:

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Apply Now for American Express® Gold Card

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

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Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip delay and cancellation insurance and cell phone protection underwritten by New Hampshire Insurance Company, an AIG Company. Extended warranty, purchase protection, car rental insurance, and baggage insurance underwritten by AMEX Assurance Company.

FAQs

  • The Platinum Card® from American Express doesn't have a credit limit or a preset spending limit. The amount you can spend is flexible based on factors that include your purchase, payment, and credit history. If you want to see if a large purchase will be approved, American Express offers a tool to check your spending power in your online account and its mobile app.

  • The Platinum Card® from American Express is hard to get if you don't have good or excellent credit. Most approved applicants have a FICO® Score in the 700s.

  • Yes, you can use The Platinum Card® from American Express internationally, and it doesn't charge a foreign transaction fee.

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