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American Express UK Credit card
American Express UK The Platinum Card
Points
AMEX
Apply for American Express UK The Platinum Card

On American Express UK's secure site

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Card review

American Express UK The Platinum Card

4.5 4.5 out of 5 9.0/10 DebitCue Score Verified

The ultimate metal card for frequent travellers

Fee
£650 GBP/yr (≈ $810)
Purchase APR
29.1% - 685.3%
Interest-free
56 days
Foreign fee
None
Rewards
1 Membership Rewards point per £1 on all spend. Points transfer 1:1 to Avios, Virgin Points, and multiple airline and hotel partners including Hilton, Marriott, Accor, Club Eurostar, and Nectar.
Welcome offer
50,000 Membership Rewards points when spending £6,000 in the first 3 months

Our verdict

What stands out, and where it falls short.

What we like

  • 1 Membership Rewards point per £1 on all spend.…
  • Welcome bonus
  • No foreign transaction fees
  • 56-day interest-free period
  • Airport lounge access

Worth weighing

  • £650 GBP/yr (≈ $810) card fee
  • High interest if you carry a balance

Who It Is For

Whether the American Express UK The 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 £650 GBP/yr (≈ $810) fee

Rates and fees

As of

All amounts shown in GBP.

Card fee
£650 GBP/yr (≈ $810)
Purchase APR
29.1% - 685.3%
Interest-free period
56 days
Foreign transaction fee
None
Representative APR
685.3% variable (incl. £650 annual fee)
Purchase Rate
29.1% p.a. variable
Non-Sterling Transaction Fee
0% (waived)

Rewards and features

Rewards
1 Membership Rewards point per £1 on all spend. Points transfer 1:1 to Avios, Virgin Points, and multiple airline and hotel partners including Hilton, Marriott, Accor, Club Eurostar, and Nectar.
Welcome offer
50,000 Membership Rewards points when spending £6,000 in the first 3 months
Installments
Flexible instalment plan available
Pay with
Apple Pay, Google Pay, Contactless
Hotel Status
Auto Gold at Marriott Bonvoy, Hilton Honors, Melia Rewards; Premium at Radisson Rewards

Benefits and perks

Extras that come bundled with the card.

  • Unlimited Priority Pass & Centurion Lounge
    Unlimited access to 1,550+ Priority Pass lounges plus Centurion Lounges (Heathrow T3); guest included
  • No Foreign Transaction Fee
    Zero non-sterling transaction fee on all purchases worldwide
  • Comprehensive Family Travel Insurance
    Travel and medical insurance for cardholder and family up to age 70; covers supplementary cardholder's family group
  • Full Car Hire Insurance
    Full car hire excess insurance with no card payment required for the rental
  • £200 UK Dining Credit
    £200 per year at 170+ selected UK restaurants (issued in two £100 six-monthly credits)
  • £200 Global Dining Credit
    £200 per year at 1,800+ selected international restaurants
  • Platinum Concierge
    Dedicated 24/7 concierge service for reservations, travel, and lifestyle requests

Eligibility

What you need before you apply.

Minimum Income
£35,000 per annum

American Express UK The Platinum Card: your questions answered

How much does the American Express UK The Platinum Card cost?
The American Express UK The Platinum Card costs £650 GBP/yr (≈ $810).
What rewards does the American Express UK The Platinum Card earn?
The American Express UK The Platinum Card earns 1 Membership Rewards point per £1 on all spend. Points transfer 1:1 to Avios, Virgin Points, and multiple airline and hotel partners including Hilton, Marriott, Accor, Club Eurostar, and Nectar..
Does the American Express UK The Platinum Card charge foreign transaction fees?
No - the American Express UK The Platinum Card has no foreign transaction fees, so it suits spending abroad.
Is there an interest-free period on the American Express UK The Platinum Card?
Yes - up to 56 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the American Express UK The Platinum Card?
The American Express UK The Platinum Card has a purchase APR of 29.1% - 685.3%.
Does the American Express UK The Platinum Card have a welcome offer?
Yes - 50,000 Membership Rewards points when spending £6,000 in the first 3 months.
Can I pay in installments with the American Express UK The Platinum Card?
Yes - Flexible instalment plan available.
Is the American Express UK The Platinum Card a credit, debit or prepaid card?
The American Express UK The Platinum Card is a credit card issued by American Express UK on the American Express network.
Does the American Express UK The Platinum Card support Apple Pay and Google Pay?
Yes - the American Express UK The Platinum Card works with both Apple Pay and Google Pay.
Where can I get the American Express UK The Platinum Card?
The American Express UK The Platinum Card is currently offered in United Kingdom.

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