American Express Platinum Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

American Express Platinum Card4.9/5

American Express

Annual fee
£650
Rewards rate
2%-1%
Welcome Bonus
75,000 points
Apply Now →on American Express's website
Regular APR:688.5% Variable APR

  • 2%Points on eligible travel bookings
  • 1%Points on all other spending

Welcome Bonus:

Earn 75,000 Membership Rewards points + £250 Amex Travel credit for spending £6,000 in 3 months.

Reward Rate:

Earn 1 point per £1 spent, 2 points on eligible travel bookings.

APR:

688.5% Variable APR

The American Express Platinum Card earns the #1 spot due to its unparalleled travel benefits, including extensive lounge access and premium hotel perks. With a substantial welcome bonus and the ability to earn points on travel, it is the best option for frequent travelers seeking luxury and flexibility.

Pros:

  • Extensive lounge access
  • Premium hotel perks

Cons:

  • High annual fee
  • Very high APR
Apply now →

The American Express Platinum Card is best suited for frequent travelers who can take full advantage of its extensive travel benefits and premium rewards structure, justifying the high annual fee. While it offers significant perks and a generous welcome bonus, individuals who travel infrequently may find better value with alternative credit card options.

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