THE PLATINUM CARD® FROM AMERICAN EXPRESS

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Experience the pinnacle of luxury with The Platinum Card® from American Express. Enjoy VIP airport lounges, travel credits, and elite benefits. Elevate your lifestyle with this iconic credit card.

BEST 0% APR CREDIT CARD

THE PLATINUM CARD® FROM AMERICAN EXPRESS

Rates & Fees

Welcome Bonus

Earn 80,000 points

Annual Fee

$695

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Rates & Fees

Welcome Bonus

Earn 80,000 points

Annual Fee

$695

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good (700 - 749)

Why We Picked It

The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card’s staggering annual fee is well justified.

Card Details

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.

When it comes to premium credit cards, The Platinum Card® from American Express stands out as a top choice for individuals seeking an unparalleled blend of luxury, travel benefits, and financial convenience. With a rich history of providing exceptional service to cardholders, this prestigious offering has become synonymous with elite privileges. Here’s why we wholeheartedly recommend The Platinum Card®.

Why We Recommend The Platinum Card® From American Express

Extensive Travel Benefits: One of the standout features of this card is its travel perks. Cardholders gain access to a global network of airport lounges, including the renowned Centurion Lounges, making layovers a pleasurable experience. Additionally, the card offers annual travel credits, airline fee credits, and complimentary elite status in various hotel loyalty programs. Whether you’re a frequent traveler or an occasional jet-setter, these benefits can significantly enhance your journeys.

Exceptional Customer Service: American Express is renowned for its superior customer service. Platinum Card® holders receive 24/7 access to a dedicated concierge, ensuring that assistance is just a phone call away for travel reservations, dining recommendations, or other inquiries. This level of support adds an extra layer of comfort and convenience.

Exclusive Access and Events: The Platinum Card® offers exclusive access to various events and experiences, from VIP access to major sporting events to special invitation-only events. This elevates cardholders’ lifestyles, enabling them to enjoy cultural and entertainment opportunities that may otherwise be out of reach.

Generous Rewards Program: The Membership Rewards® program allows cardholders to earn points on their everyday spending, which can be redeemed for travel, merchandise, or transferred to various airline and hotel partners. The ability to earn rewards quickly adds value to card ownership.

Our Perspective on The Platinum Card® From American Express

Our perspective on The Platinum Card® From American Express is unequivocally positive. This card isn’t merely a financial tool; it’s a status symbol that opens doors to a world of exclusive privileges and exceptional experiences.

From a personal finance standpoint, the card’s annual fee may seem steep at first glance. However, when you consider the extensive travel benefits, rewards program, and unique access it provides, the value far exceeds the cost. The annual travel credits, lounge access, and hotel and airline elite status perks can easily outweigh the fee.

Additionally, the Platinum Card® isn’t just for the frequent traveler. It’s for anyone who values exceptional service and seeks to indulge in a life enriched with luxury. The concierge service is a game-changer, making it effortless to secure reservations at top restaurants, arrange special surprises, or plan unforgettable vacations.

The Membership Rewards® program is another highlight. With the ability to earn points on everyday purchases, it empowers cardholders to turn their spending into valuable rewards, whether for travel or other indulgences.

Advantages of The Platinum Card® From American Express

The Platinum Card® From American Express offers a plethora of advantages that make it a standout choice among premium credit cards. With an annual fee that reflects its exclusivity, cardholders gain access to a world of luxury and convenience.

Extensive Travel Benefits: One of the most compelling advantages is the extensive travel perks. Cardholders enjoy access to a vast network of airport lounges, including the prestigious Centurion Lounges, alongside annual travel credits, airline fee credits, and complimentary elite hotel and airline loyalty statuses. These perks ensure that your travel experiences are not just comfortable but also highly rewarding.
Exceptional Customer Service: American Express is renowned for its superior customer service. Platinum Card® holders receive round-the-clock access to a dedicated concierge service, which can assist with a wide range of tasks, from booking reservations at top restaurants to securing event tickets. This level of support sets the card apart in terms of personalized assistance.
Generous Rewards Program: The Membership Rewards® program allows cardholders to earn points on everyday spending, which can be redeemed for travel, merchandise, or transferred to various airline and hotel partners. This rewards program adds significant value to card ownership.
Exclusive Access: The Platinum Card® grants access to exclusive events and experiences, offering a lifestyle that is truly unique. Cardholders can enjoy VIP access to major events and access to invitation-only gatherings, further enhancing their overall experience.

Disadvantages of The Platinum Card® From American Express

While The Platinum Card® From American Express offers an array of benefits, it’s important to consider the drawbacks as well. One notable disadvantage is the card’s annual fee, which is relatively high. This fee may not be justified for individuals who do not frequently travel or take advantage of the card’s premium features.

Moreover, the card’s acceptance may not be as widespread as some other credit cards due to its premium nature. This could potentially limit its utility in certain locations or for specific purchases.

In conclusion, the primary drawback of The Platinum Card® From American Express is its annual fee, which may not be suitable for those who cannot fully utilize the card’s premium perks and benefits.

How Is Credit Analysis Done for The Platinum Card® From American Express?

The credit analysis process for The Platinum Card® From American Express is thorough and designed to ensure that cardholders meet the high standards associated with this premium offering. Here’s an overview of how the credit analysis is typically conducted:

Credit Score Evaluation: American Express typically looks at an applicant’s credit score as a key factor. A high credit score, generally above 700, is often preferred. However, other factors are also considered, and exceptional creditworthiness may compensate for a lower score.
Income Verification: Applicants are required to provide information about their income. A substantial income can positively impact the approval decision, as it indicates the ability to meet the card’s annual fee and spending requirements.
Credit History: The length and quality of an applicant’s credit history are taken into account. A strong history of responsible credit use and on-time payments can boost the likelihood of approval.
Existing Relationship with American Express: Existing American Express cardholders with a positive payment history may have an advantage in obtaining The Platinum Card®.
Review of Other Financial Obligations: American Express may also consider an applicant’s existing debts and financial obligations when assessing creditworthiness.

Is There a Pre-Approved Limit?

When it comes to The Platinum Card® From American Express, there isn’t a fixed pre-approved limit in the traditional sense. Instead, American Express typically offers a “credit limit” that is flexible and tailored to the cardholder’s financial situation and spending habits.

The credit limit for The Platinum Card® can vary widely, but it often falls within a range based on the applicant’s creditworthiness and income. Cardholders with higher incomes and exceptional credit histories may receive higher credit limits, while those with less robust financial profiles may have lower limits. The flexibility of this card means that it doesn’t have a strict pre-set spending cap, allowing cardholders to make large purchases or utilize the card’s benefits as needed, within their creditworthiness.

Interested in Applying? Learn How to Get The Platinum Card® From American Express!

If you’re eager to obtain The Platinum Card® From American Express and unlock its world of privileges, click the button below to proceed to the next page, where we’ll provide you with a step-by-step guide on how to apply for this prestigious credit card. Don’t miss out on the opportunity to enjoy the travel perks, exceptional service, and exclusive experiences that come with being a Platinum Card® holder. Apply now and elevate your financial lifestyle

THE PLATINUM CARD® FROM AMERICAN EXPRESS

BEST 0% APR CREDIT CARD