The Platinum Card from American Express 2026 Review

Annual fee
£650
Rewards rate
5%-1%
Welcome Bonus
75,000 Membership Rewards points
Apply Now →on American Express's website
Regular APR:135.7% variable

  • 5XPoints on flights/prepaid hotels (US)
  • 2Points per £1 spent (UK)
  • 1Points on all other purchases

Welcome Bonus:

Earn 75,000 Membership Rewards points and a £250 Amex Travel credit after spending £10,000 within the first six months.

Reward Rate:

Earn 5X points on flights/prepaid hotels (US) or 1-2 points per £1 (UK).

APR:

135.7% variable

The Platinum Card from American Express stands out as the top choice because it offers unparalleled travel benefits, including extensive lounge access and a generous welcome bonus of 75,000 Membership Rewards points. Its premium features and high earning potential on travel-related purchases make it the best option for frequent travelers.

Pros:

  • Extensive travel benefits
  • High rewards on travel spending

Cons:

  • High annual fee
  • High spending requirement for bonuses
Apply now →

The Platinum Card from American Express is best suited for frequent travelers who can take full advantage of its extensive travel benefits, such as lounge access and high rewards potential on travel-related purchases. However, the high annual fee may not justify the cost for occasional travelers or those who do not frequently utilize its premium features.

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