American Express® Platinum Card
Premium travel and lifestyle benefits with comprehensive rewards.
Welcome Bonus:
Earn 95,000 Membership Rewards® points when you spend £10,000 in your first six months
Representative Example
Credit Limit
£1,200
Purchase Rate
30.4% variable
Representative APR
698.1% APR variable
Annual Fee
£650
Key Benefits
- 95,000 Membership Rewards® points welcome bonus when spending £10,000 in first 6 months
- Comprehensive worldwide travel insurance for you and family
- Access to over 1,400 airport lounges worldwide
- Global Dining credit worth up to £400 annually
- Harvey Nichols credit worth up to £100 annually
- Hotel elite status and exclusive benefits
- 24/7 concierge service
- Premium metal card design
Rewards Structure
Travel Bookings
2 points per £1 spent on amextravel.co.uk
All Other Purchases
1 point per £1 spent
Friend Referral
12,000 points per approved friend (up to 90,000 annually)
Travel Benefits
Airport Lounge Access
Complimentary access to over 1,400 airport lounges across 140+ countries
Travel Insurance
Comprehensive worldwide coverage for you, family members, and supplementary cardholders for trips up to 90 days
Hotel Benefits
Room upgrades, late checkout, and exclusive perks with Fine Hotels + Resorts and The Hotel Collection
Global Assist
24/7 emergency assistance when traveling abroad
Lifestyle Benefits
Dining Credit
Up to £200 UK dining credit and £200 international dining credit annually
Retail Benefits
£100 annual Harvey Nichols credit (£50 every 6 months)
Concierge Service
24/7 Platinum Concierge for travel and dining arrangements
Entertainment
Priority access to events and exclusive experiences
Fees & Rates
Annual Fee
£650
Representative APR
698.1% APR (variable)
Our Verdict
The American Express® Platinum Card stands as a premium travel and lifestyle card offering exceptional value for frequent travelers and those who appreciate luxury benefits. While the annual fee is substantial, the comprehensive benefits package including lounge access, travel insurance, dining credits, and hotel perks can easily exceed the card's cost for those who maximize these features. The generous welcome bonus of 95,000 points provides significant value, and the ongoing earning rate makes it easy to accumulate rewards. This card is best suited for frequent travelers and high spenders who can take full advantage of the extensive benefits package.