AMEX Platinum Credit Card 2026 Review

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

AMEX Platinum Credit Card4.0/5

American Express

Annual fee
£650
Rewards rate
5%-1%
Welcome Bonus
50,000 Membership Rewards points
Apply Now →on American Express's website
Regular APR:29.1% Variable APR

  • 5%Membership Rewards points on flights and prepaid hotels

Welcome Bonus:

Earn 50,000 Membership Rewards bonus points by spending £6,000 in your first 3 months of Cardmembership.

Reward Rate:

5x Membership Rewards points on flights and prepaid hotels.

APR:

29.1% Variable APR

A key differentiator is the extensive range of premium travel and lifestyle benefits, including global airport lounge access and substantial annual dining credits, making the AMEX Platinum Credit Card a top choice for frequent travelers.

Pros:

  • Comprehensive travel insurance
  • Unlimited airport lounge access

Cons:

  • High annual fee
  • Requires significant spending to justify the cost
Apply now →

The AMEX Platinum Credit Card is best suited for frequent travelers and individuals who can fully utilize its extensive travel-related benefits and rewards, including airport lounge access and dining credits, despite its high annual fee. Those who prioritize luxury travel experiences and are willing to manage their spending to maximize the rewards may find this card particularly advantageous.

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