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American Express Platinum Card

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AMEX

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Card review

American Express Platinum Card

4.4 8.8/10 DebitCue Score Verified Jun 20, 2026

Die Platinum Card aus Metall – maximale Reiseprivilegien

Fee: €720 EUR/yr (≈ $770); No waiver; annual credits of €650+ (€200 travel + €150 dining + €200 SIXT ride + €100 shopping) partially offset the fee
Purchase APR: Not published
Interest-free: 30 days
Foreign fee: 2%

Rewards

1 Membership Rewards point per €1 spent (optional Turbo: 1.5x for €15/year extra). Points transferable to airline and hotel partners with no expiry. Shared account across up to 7 supplementary cards.

Welcome offer

Up to 85,000 Membership Rewards points: 55,000 after €6,000 spend + 30,000 after additional €4,000 spend within first 6 months; alternatively promoted as up to €340 in statement credits

Our verdict

What stands out, and where it falls short.

What we like

1 Membership Rewards point per €1 spent (optional Turbo:…
Welcome bonus
Airport lounge access
Travel insurance included
Pay in installments

Worth weighing

€720 EUR/yr (≈ $770) card fee
2% foreign transaction fee

Who It Is For

Whether the American Express Platinum Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the €720 EUR/yr (≈ $770) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €720 EUR/yr (≈ $770)
Purchase APR: Not published
Interest-free period: 30 days
Foreign transaction fee: 2%
Monatsentgelt: 60 € / Monat (720 € / Jahr)
Fremdwährungsgebühr: 2,0 % außerhalb Eurozone
Bargeldabhebung: 4,0 %, mindestens 5,00 €

Rewards and features

Rewards: 1 Membership Rewards point per €1 spent (optional Turbo: 1.5x for €15/year extra). Points transferable to airline and hotel partners with no expiry. Shared account across up to 7 supplementary cards.
Welcome offer: Up to 85,000 Membership Rewards points: 55,000 after €6,000 spend + 30,000 after additional €4,000 spend within first 6 months; alternatively promoted as up to €340 in statement credits
Installments: Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.)
Pay with: Apple Pay, Google Pay, Contactless
Hotel-Status inklusive: Hilton Gold Elite, Marriott Bonvoy Gold Elite, Radisson Premium, GHA Discovery automatisch
Fine Hotels + Resorts: 3.000+ Partnerhotels mit Frühstück, Zimmer-Upgrade, $100 Guthaben, Late Checkout bis 16 Uhr

Benefits and perks

Extras that come bundled with the card.

Priority Pass Prestige – 50 Lounge-Besuche / Jahr

Complimentary Priority Pass Prestige membership with 50 free visits to 1,550+ lounges worldwide; one guest included per visit
Centurion Lounge – unbegrenzter Zugang

Unlimited complimentary access to American Express Centurion Lounges globally
Umfassendes Reiseversicherungspaket

International health, trip cancellation/interruption, flight delay (€200 / 4 hrs), lost luggage (€3,000), and roadside assistance
Mietwagen-Vollkaskoschutz

Rental car comprehensive coverage up to €75,000, liability up to €750,000
€200 Online-Reiseguthaben p.a.

Annual travel credit of €200 for flights, hotels, and car rentals booked via Amex travel portal
€150 Restaurant-Guthaben p.a.

Annual dining credit of €150 at partner restaurants
€200 SIXT ride Fahrtguthaben p.a.

Eight €25 vouchers per year for SIXT limousine and ride services
24/7 Persönlicher Reise-Concierge

Round-the-clock multilingual personal travel service

American Express Platinum Card: your questions answered

How much does the American Express Platinum Card cost?

The American Express Platinum Card costs €720 EUR/yr (≈ $770). No waiver; annual credits of €650+ (€200 travel + €150 dining + €200 SIXT ride + €100 shopping) partially offset the fee.

What rewards does the American Express Platinum Card earn?

The American Express Platinum Card earns 1 Membership Rewards point per €1 spent (optional Turbo: 1.5x for €15/year extra). Points transferable to airline and hotel partners with no expiry. Shared account across up to 7 supplementary cards..

Does the American Express Platinum Card charge foreign transaction fees?

Yes - the American Express Platinum Card charges a 2% foreign transaction fee.

Is there an interest-free period on the American Express Platinum Card?

Yes - up to 30 days interest-free when you pay your balance in full by the due date.

Does the American Express Platinum Card have a welcome offer?

Yes - Up to 85,000 Membership Rewards points: 55,000 after €6,000 spend + 30,000 after additional €4,000 spend within first 6 months; alternatively promoted as up to €340 in statement credits.

Can I pay in installments with the American Express Platinum Card?

Yes - Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.).

Is the American Express Platinum Card a credit, debit or prepaid card?

The American Express Platinum Card is a credit card issued by American Express Germany on the American Express network.

Does the American Express Platinum Card support Apple Pay and Google Pay?

Yes - the American Express Platinum Card works with both Apple Pay and Google Pay.

Where can I get the American Express Platinum Card?

The American Express Platinum Card is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the American Express Platinum Card?

DebitCue rates the American Express Platinum Card 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.