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Platinum Card From American Express

Platinum Card From American Express

The Platinum Card from American Express is a luxury credit card and you must have excellent credit to qualify for the card. American Express charges $450.00 annually for the privilege to own this card. Is the card worth the annual fee? That depends on whether you travel extensively and whether the kinds of rewards offered by American Express are something you will use. The Platinum credit card from American Express is a charge card not a credit card as you have to pay the full amount of your debt each month. The card is targeted at the well-heeled individual who is looking for the “platinum lifestyle” and exclusive travel privileges.

Credit Card Review

Credit Card Review

Platinum Card from American Express Review

Rewards program

You also earn rewards from non-travel purchases made with the card. You earn $25,000 bonus point when you spend $2,000 in the first three months of membership. If you shop using the company Earn Hub site you will earn up to 10 times the normal reward points. For everything else you earn one point for every dollar spent. These points can be redeemed for travel, merchandise, gift cards and frequent flyer and hotel programs.

Travel benefits

Travel benefits are what this card is all about. Card membership allows you access to a variety of luxury travel perks. These include a 24 hour seven day a week concierge service, personalized travel planning, room upgrades at hotels, and discounts on dining. You also earn $400 in free benefits when you book a cruise with the Platinum Travel service.

Airline travel benefits

When you fly if you pay for the trip with your Platinum card you receive $200 in airline fee credits at the airline of your choice to pay for any incidentals during the flight. You also gain access to private airport lounges worldwide through both the Airport Club Access Program and the Priority Pass Select membership program. You have to apply on the American Express Platinum card website for the complimentary Priority Pass Select membership card.

Travel rewards

The rewards program with the Platinum card gains you a 20% travel bonus point which you can use for airline travel or hotels. If you book your hotels through the Platinum Travel service you earn over $450 in complimentary benefits at select luxury hotels. The Platinum destinations vacations program provides customized itineraries and guided tours through partnership programs with other premier travel companies. You also qualify for additional 25,000 bonus points if you book your destination vacation through the Platinum travel service. There is also an annual statement credit of $100 when you book a vacation of $3,000 or more using Platinum Travel services. If you book any travel online through the card website you double your rewards points.

Foreign travel

If you travel overseas there are three benefits available with your Platinum card from American Express that could be helpful. One is the Global Entry program which gets you through customs quicker at most major U.S. airports upon your reentry to the United States. There is an add-on charge for this service but if you apply with your card the company will credit the fee. In addition American Express does not charge a foreign transaction fee for charges made on your card while overseas. If you purchase a qualifying international business class airline ticket you can receive a free companion ticket when booked through the Platinum Travel service.

General American Express benefits

Benefits provided with most American Express cards include 24 hour travel assistance service called Global Assist 24-7 when you are traveling at least 100 miles from home. This assistance can be used to get a new passport, find a doctor or get you legal assistance or any other emergency travel need. You are also covered by travel accident insurance if traveling on a ‘common carrier conveyance’ such as a plane, train, ship, helicopter or bus if you paid for the ticket with your Platinum card. If you rent a car you are also covered by the card for loss or damage to the car if paid for with your Platinum card. If you do a lot of shopping with your Platinum card it is good to know that anything you bought using the card will be covered by the company’s Purchase Protection plan. Anything bought that is lost, stolen or damaged within 90 days of purchase is covered by the Platinum card from American Express.

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