The Platinum Card from American Express 2026 Review

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

The Platinum Card from American Express4.9/5

American Express

Annual fee
£650
Rewards rate
3%-1%
Welcome Bonus
75,000 Membership Rewards points
Apply Now →on American Express's website
Regular APR:688.5% APR variable

  • 3Points on eligible purchases
  • 1Points on all other purchases

Welcome Bonus:

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

Reward Rate:

Earn 3 Membership Rewards points for every £1 spent on eligible purchases.

APR:

688.5% APR 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 substantial welcome bonus, making it ideal for frequent travelers who can leverage its perks.

Pros:

  • Extensive lounge access
  • Substantial welcome bonus

Cons:

  • High annual fee
  • High APR
Apply now →

The Platinum Card from American Express is best suited for frequent travelers who can maximize its extensive benefits, such as lounge access and a robust rewards program, despite its high annual fee of £650. While the welcome bonus of 75,000 Membership Rewards points is attractive, potential cardholders should carefully consider their travel habits and ability to utilize the card's features to justify the cost.

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