Hjem»Siste nytt»Er platinakortet...
Lytt nå til WTOP News WTOP.com | Alexa | Google Home | WTOP-app | 103,5 FM
Platinakortet fra American Expresser et populært belønningskort kjent for sin pakke med luksusfordeler, som concierge-service, reisebeskyttelse og tilgang til ulike loungenettverk.
Disse toppfordelene har imidlertid en kostnad: en årlig avgift på $695, som kan være høy for noen reisende. Selv om kortets liste over fordeler høres fristende ut, kan du stille spørsmål om AmEx Platinum årsavgift er verdt det. Her er hva du bør vurdere.
Verdifulle fordeler som oppveier AmEx Platinums årlige avgift
Å bestemme om Platinum Card fra American Express er verdt det for deg, avhenger av om du vil maksimere kortets fordeler.
"Jeg anbefaler kortholdere å se på den løpende årlige verdien av kortet, uten å telle (velkomsttilbudet), siden det bare skjer én gang," sier Matthew Goldman, en konsulent som hjelper bedrifter i tidlig fase med å designe kreditt- og debetkortprogrammer gjennom selskapet sitt, Tovati LLC.
Platinakortet fra American Express gir femAmerican Express-medlemskapsbelønningerpoeng per dollar på visse fly- og hotellkjøp, og det tilbyr en rekke fordeler utover det. Vurder hvor mye du kan bruke dem når du beregner kortets verdi for deg.
Velkomstbonus på 80 000 poeng
Kvalifiserte nye kortholdere som aldri har hatt The Platinum Card fra American Express kan tjene ytterligere 80 000 Membership Rewards-poeng. Men for å motta dette velkomsttilbudet, må du bruke minst $6000 på kortet ditt innen de første seks månedene etter at du åpner kontoen.
Denne bonusen alene er verdt $800 når den løses inn for flyreiser eller $560 når den innløses for forhåndsbetalte hoteller, biler eller cruise gjennom American Express Travel. Derfor, hvis du kan nå det nødvendige beløpet på kortet i løpet av de første seks månedene, vil du gjøre betydelige fremskritt med å gjøre kortet verdt det første året.
TSA PreCheck eller Global Entry Credit
Å stå i overbelastede sikkerhetslinjer på flyplassen kan få reiseopplevelsen til å føles mer hektisk. Platinum-kortet fra American Express gir kortholdere en kontokreditt på $100 for Global Entry-medlemskap eller $85 for TSA PreCheck.
Du kan kun motta kreditt for ett program, og du må søke om medlemskap og betale for søknadsavgiften med ditt AmEx Platinum Card. Denne fordelen gjelder kun for femårsplaner for begge programmene, og du kan bare motta kreditten hvert 4.5 år for TSA PreCheck eller hvert fjerde år for Global Entry.
[Lese: Beste belønningskredittkort.]
$189 Clear Plus-kreditt
For en annen måte å få fart gjennom flyplassens sikkerhetslinjer, gir AmEx Platinum Card deg en kontokreditt på opptil $189 for en årlig medlemsavgift til Clear Plus når det belastes kortet ditt. Ved å bruke fingeravtrykk og øyeskanninger kan Clear-medlemskapet ditt hjelpe deg med å bekrefte identiteten din på utvalgte flyplasser i USA.
$200 Uber Cash
Platinakortholdere kan motta opptil $200 i Uber Cash hvert år, som du kan bruke til turer med Uber og bestillinger fra Uber Eats. For å motta kreditten må du bruke en kvalifisert versjon av Uber-appen og koble til Platinum-kortet ditt som betalingsmåte for Uber-kontoen din.
Hver måned vil du motta en kreditt på $15 som du finner i Uber Cash-saldoen din; i desember vil du motta en ekstra $20 på toppen av standard $15 kreditt. Aktiver Uber Cash-saldoalternativet ditt, slik at du kan bruke kreditten din på turene dine og bestille gjennom Uber Eats.
Ubrukt kreditt ruller ikke over til neste måned – dette er en fordel du må bruke eller miste.
$200 flyselskapsavgift kreditt
En annen kreditt som kan være verdt hvis du er en vanlig reisende, er $200 årlig flyselskapsavgift. Kreditten gjelder tilfeldige kostnader som kjøp på fly eller bagasjeavgifter som ble gjort med Platinum-kortet ditt hos det kvalifiserte flyselskapet du har valgt.
For å være kvalifisert for kreditten må du velge ditt foretrukne flyselskap på forhånd. Kvalifiserte flyselskaper inkluderer Alaska Airlines, American Airlines, Delta Air Lines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines og United Airlines.
$240 digital underholdningskreditt
Platinum-kortet belønner deg for strømmevanene dine med en årlig kreditt på opptil $240. Få opptil $20 per måned i kontokreditt for kvalifiserte abonnementer, inkludert Audible, Disney+, Peacock, SiriusXM og The New York Times.
Du må registrere deg for denne fordelen for å motta kreditten, og abonnementer må belastes AmEx Platinum Card.
$300 Equinox og SoulCycle Credits
Hold deg i form fysisk og økonomisk med opptil $300 i kontokreditt fra Equinox treningsklubber. Denne fordelen er gyldig på et Equinox+ digitalt abonnement eller klubbmedlemskap – bare belast gebyrene dine på Platinum Card. Du kan også få en kreditt på $300 hvis du bruker kortet ditt til å kjøpe en SoulCycle hjemmesykkel.
$200 hotellkreditt
Når du bestiller et av 2000 hoteller gjennom American Express Travel, kan du tjene opptil $200 i kontokreditt per år. Med hoteller fra Fine Hotels + Resorts og The Hotel Collection, kommer hvert forhåndsbetalte opphold du bestiller også med en opplevelseskreditt på 100 USD du kan bruke til spa eller bespisning, pluss gratis romoppgraderinger når det er tilgjengelig.
$100 Saks Fifth Avenue-kreditt
Avid Saks-kunder kan dra nytte av $100 årligSaks Fifth Avenuekreditt når du bruker Platinum-kortet på et kvalifisert kjøp. En kreditt på opptil $50 er tilgjengelig for transaksjoner mellom januar og juni, og en annen er tilgjengelig fra juli til desember.
Vær oppmerksom på at betalinger gjort med en digital lommebok eller kontaktløs kortleser kanskje ikke behandles som et kvalifisert kjøp, så disse transaksjonene vil kanskje ikke motta kreditten.
[Lese: Beste Cash Back-kredittkort.]
$155 Walmart+-kreditt
De årlige $155 i kontokreditter for å dekke Walmart+-medlemskapet ditt kan gi deg kostnadsbesparende fordeler når du handler på nettet og i butikk. Bruk medlemskapet ditt for å få gratis frakt med nettbestillinger, pluss gratis levering av dagligvarer samme dag.
Denne fordelen dekker $12,95 per måned Walmart+ medlemsavgift, pluss eventuelle skatter. For å være kvalifisert må medlemsavgiften belastes AmEx Platinum-kortet ditt.
Tilgang til flyplasslounge
Ivrige reisende kan nyte tilgang til mer enn 1400 flyplasslounger i 650 globale byer. Få tilgang til flere flyplassloungenettverk, inkludert The Centurion Lounge og Escape Lounge, Delta Sky Club og Lufthansa Lounge.
Bortsett fra å kunne sparke opp føttene i en komfortabel plass, tilbyr disse salongene ofte selvbetjent mat og drikke, og fasiliteter som dusjer og Wi-Fi uten ekstra kostnad.
[Lese: Kredittkort uten årlig avgift.]
Er platinakortet fra AmEx riktig for deg?
Det er ingen tvil om at de viktigste fordelene med AmEx Platinum Card er reisefokuserte og i den øvre enden av kvalitetsskalaen. Det er derfor Beverly Harzog, kredittkortekspert og forbrukerfinansieringsanalytiker hos U.S. News, sier at dette kortet kan være fornuftig hvis du reiser mye og "liker litt luksus" i prosessen.
Noen forbrukere vil imidlertid kanskje utforske forskjellige belønningskort – spesielt hvis de knapt går i balanse mellom relevante fordeler og den høye årsavgiften. "For meg handler det ikke om å gå i balanse," sier Harzog. "Jeg tror du må tjene godt på ethvert korts årsavgift."
Hvis du føler at forbruksmønsteret ditt og kortfordelene ikke kan gå opp for å hjelpe deg med å komme ut av Platinum Cards årlige avgift hvert år, sier Harzog at du ikke står fast. Det er mange belønningskort med lavere årlige avgifter som kan synkroniseres bedre med hvordan du bruker.
Hvis du ikke føler at du vil dra nytte av en stor andel av kortfordelene, kan det hende du har det bedreutforske et annet kortmed en lavere årsavgift eller en uten årsavgift i det hele tatt.
Mer fra U.S. News
Autoriserte brukere: Fordeler og ulemper
Hvorfor er kredittkortet mitt blokkert?
Hvor lang tid tar det å bygge kreditt?
Er platinakortet fra American Express verdt sin årlige avgift på $695? opprinnelig dukket opp på usnews.com
Oppdatering 30.05.23:
Relaterte nyheter
Triple-whami av sykloner, en 1-i-200-års hendelse, drev Italias dødelige flom, sier forskere
Nord-Koreas mislykkede satellittoppskyting utløser offentlig forvirring, sikkerhetsuro hos naboer
Tørkerammet Barcelona slukker tørsten med kostbar avsalting
Anbefalt
Hvordan unngikk 15 år gamle 'Baby K' politiet i en måned?
2 menn i Virginia svindlet millioner i COVID-hjelp
Anmeldelse: «Ted Lasso» avsluttes på hjertevarmende vis med en perfekt finale
Relaterte kategorier:
Siste nytt
Mer fra WTOP
FAQs
How much is Amex Platinum annual fee? ›
Amex Platinum Annual Fee and Suite of Credits and Benefits
The Platinum Card has a $695 annual fee. Though the fee is paid once a year, the math works out to about $58 a month.
Apply for the Amex financial relief program: If you're having difficulty paying your annual fee due to unforeseen financial difficulty, apply for the financial relief program online or call Amex at (866) 703-4169.
Is Amex Platinum hard to get? ›Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have at least good credit and make a lot of money, you have a decent shot at getting approved.
What is Amex Platinum Card limit? ›If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible.
Is it worth it to upgrade to Amex Platinum? ›Amex Platinum ultimately offers more value, though. For example, its benefits include airport lounge access, while the Amex Gold Card's perks do not. When it comes to ongoing rewards on purchases, Amex Platinum has a higher maximum earning rate and better travel rewards. But Amex Gold provides more everyday value.
Why is Amex Platinum annual fee so high? ›The main reason why Amex cards are so expensive is that many American Express credit cards offer generous rewards rates and high-end perks, which warrant steep annual fees.
What happens if you don t pay off Amex Platinum every month? ›What happens if you don't pay Amex Platinum in full? If you don't pay Amex Platinum in full, you will be charged interest on any purchases added to a Pay Over Time balance. With Pay Over Time, you can add eligible charges to a Pay Over Time balance, up to a limit.
Is it easy to get approved for Amex Platinum? ›The credit score needed for the American Express Platinum is generally above 700. According to Credit Karma, the average score is 715, so it's not incredibly hard to get the Amex Platinum card. Although, several applicants with credit scores in the 600s have also been approved, even as low as 643.
Can I cancel Amex Platinum before annual fee? ›American Express will refund the annual fee on a card if you cancel it within 30 days of the closing date of the billing statement on which the fee appears. Beyond that period, a refund is not possible.
Is Amex Platinum a big deal? ›Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual card credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Which Amex is better gold or platinum? ›
Is Gold Card Higher Than Platinum? Both Amex Gold and Platinum offer a range of benefits, with the Gold card catering more to everyday spending and the Platinum card designed more for travelers. The Platinum card has more benefits, but it's annual $695 fee is higher than the Gold card's $250 fee.
Is Platinum the highest Amex card? ›The card also earns 5x points on flights purchased directly with the airline or with Amex Travel (up to $500,000 per year) and on prepaid hotels booked with Amex Travel. As you can tell, there's lots to love about the Amex Platinum card, which is generally the second-highest level of card available through Amex.
What is the highest credit limit for American Express? ›Delta SkyMiles® Gold American Express Card
Highest reported credit limit: $50,000, according to a post on the myFICO forums.
Cardholders of The Platinum Card® from American Express (another high credit limit card), or any other type of Amex members, can try using the American Express Auto Purchasing Program, which connects you to dealers who accept American Express and let you charge $2,000 or more toward a car purchase on your Amex card.
What is the lowest limit on Amex Platinum? ›American Express Platinum has no preset credit limit. That means the amount you can spend may change from month to month based on your usage of the card, credit history, income and more.
Does Amex Platinum mean you have good credit? ›The Platinum Card® from American Express requires good to excellent credit to qualify. This is typically defined as a credit score of 690 or better.
Does Amex Platinum help build credit score? ›American Express can help your credit score if you are the primary accountholder or an authorized user aged 18 or older on an American Express credit card or charge card account. For an Amex card to be good for your credit score, the account must be kept in good standing with on-time monthly bill payments.
Does Amex Platinum increase your credit limit? ›Chip Lupo, Credit Card Writer
The Delta SkyMiles® Platinum American Express Card will increase your credit limit no more than once every three months if you ask for an increase yourself. You can also wait to see if you receive an automatic credit limit increase. This may happen as often as every six to 12 months.
You must pay in full, by the Payment Due Date, all charges that are not added to a Pay Over Time, Cash Advance, or Plan balance. We will begin charging interest on cash advances on the transaction date.
How much is an Amex black card? ›The Black Card has a hefty $10,000 initiation fee, a $5,000 annual fee, and offers many travel perks. The Platinum Card has a $695 annual fee with many travel-related perks, and cardholders can earn points for every dollar spent. Besides Black and Platinum, American Express offers a line of 17 other cards.
What are the changes to Amex Platinum 2023? ›
As of February 1, 2023, cardmembers with the Amex Platinum card and Amex Business Platinum card can no longer bring complimentary guests into the Centurion lounge. The guest fee is $50 per adult and $30 per child (2 to 17 years old).
Is it bad to cancel Amex Platinum? ›The only short-term downside of cancelling your American Express Platinum charge card is that you are required to empty out your Membership Rewards points account. Because Amex points can be transferred to many different airline and hotel partners, they are more valuable than airline or hotel points.
Is the Amex Platinum fee waived the first year? ›Most people will need to pay the $695 annual fee on The Platinum Card® from American Express in full each year. However, there are a few ways to waive the Amex Platinum annual fee if you're eligible. One way to have the fee waived in full is to qualify under the Military Lending Act or Servicemembers' Civil Relief Act.
What happens if you don't pay Amex in full every month? ›Interest charges accrue when you don't pay the bill off in full. Pay Over Time charges an interest rate that is the same across the Green, Gold and Platinum products. As of August 2020, cardholders who use the feature will pay an APR between 15.99% to 22.99%, depending on creditworthiness.
Can I get Amex Platinum with 600 credit score? ›To apply for The Platinum Card® from American Express, you need to have a good or excellent credit score. This means you need a credit score of at least 700. The average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.
Can anyone get approved for Amex Platinum? ›American Express generally requires a good to excellent credit score to qualify for The Platinum Card® from American Express. Terms apply. You'll want to have at least a 690 credit score before applying for the card. So, you may need to work on building your credit score before applying for the card.
What are the best odds to get the Amex Platinum? ›It's more important to have a good-to-excellent credit score (670+ FICO score) when you apply. An excellent FICO score of 800 to 850 will give you the best approval odds for the Amex Platinum.
Should I downgrade my Amex Platinum? ›You Don't Want To Pay a High Annual Fee
So if you're tight on cash and don't want to pay a large $695 annual fee, there's a strong case to downgrade your Amex Platinum card, even though you'll lose all of its travel benefits.
Call the retention line: You can ask Amex to waive the annual fee by calling (800) 452-3945. However, it's important to understand that this approach may...
Does closing an American Express card hurt your credit? ›Open card accounts can help your credit score in two different ways: credit utilization and length of credit history. Closing a credit card account can negatively affect both of those components of your credit score.
Is Amex Platinum for millionaires? ›
Unlike some of the other cards on this list, The Platinum Card® from American Express is an elite card, but it's not invite-only. This accessible card is one of the best credit cards for millionaires.
Why would anyone get Amex Platinum? ›Members get perks such as complimentary room upgrades and opportunities to earn free nights faster. Global Entry or TSA PreCheck Credit. Receive application fee credits for Global Entry ($100) or TSA PreCheck ($85) once every four years. These programs expedite airport security screening.
What is the benefit of having American Express Platinum? ›Amex Platinum benefits overview
Earn 5 points per dollar for flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year). Earn 5 points per dollar on prepaid hotels booked with American Express Travel.
American Express does not disclose a specific income requirement, but it must be enough to make payments on the card and to afford the $250 annual fee. Amex doesn't openly state any other Amex Gold card requirements, but there are plenty of other factors that Amex considers during the approval process.
Is it worth having both Amex gold and Platinum? ›However, these cards' earning rates and perks couldn't be more different. If you want to accelerate your earnings, maximize the benefits available each year and ensure that you're protecting as many of your expenses as possible, it makes sense to hold both the Platinum and Gold cards.
Is Amex Blue higher than Platinum? ›You'll see that in terms of everyday spend, the Amex Blue Cash Preferred card is far more rewarding than the Amex Platinum card, earning you between 3% to 6% cash-back on purchases such as gas and groceries. The Amex Platinum card offers just 2 bonus categories for flights and prepaid hotels booked through Amex Travel.
What card do billionaires use? ›What Credit Card Do the Super Rich Use? The super rich use a variety of different credit cards, many of which have strict requirements to obtain, such as invitation only or a high minimum net worth. Such cards include the American Express Centurion (Black Card) and the JP Morgan Chase Reserve.
Is Black Card better than Platinum? ›Bottom Line: The Amex Platinum card has better earning potential than the Mastercard Black card. Membership Rewards points earned on the Amex Platinum card also offer greater potential value at redemption time when transferred to airline and hotel partners.
What is the credit limit for 50000 salary? ›What will be my credit limit for a salary of ₹50,000? Typically, your credit limit is 2 or 3 times of your current salary. So, if your salary is ₹50,000, you can expect your credit limit to be anywhere between ₹1 lakh and ₹1.5 lakh.
Which credit card usually gives the highest credit limit? ›Highest “Overall” Credit Limit: $500,000
The winners of the nosebleed award for the highest credit limit among cards for mere mortals are these twins: Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, with annual fees in the mid-triple digits and high-double digits, respectively.
What American Express card can I get with a 700 credit score? ›
Blue Cash Everyday® Card from American Express
WalletHub's Take: The American Express Blue Cash Everyday Card is a good credit card for people with a 700+ credit score.
What does your credit score need to be for the Amex Platinum card? While there is no set score needed, we recommend you have a credit score of at least 670, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the Amex Platinum card.
Can you use Amex Platinum for gas? ›Earn 10x points on eligible purchases at U.S. gas stations and U.S. supermarkets, on up to $15,000 in combined purchases, during your first six months of card membership. That's an additional 9 points on top of the 1 point you earn for these purchases.
Can I get Amex Gold if I have Amex Platinum? ›Other Perks and Benefits To Owning Both Cards
If you own both cards, use the Amex Platinum to pay for flights and prepaid hotels and the Amex Gold to pay for your supermarket and dining purchases to earn the most points possible on every dollar you spend.
Amex Platinum cardmember stats
According to this, the average Departures reader (and therefore average Amex Platinum cardmember): Has a net worth of $4.3 million. Has a household income of $474,000.
Welcome to the Help Center
If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible.
- Go to your AMEX app.
- Select the chat icon (top right)
- Select Chat With Us.
- Type “fee waiver”
- You'll be connected with a Customer Service Officer to confirm the card you're requesting a waiver for.
The Platinum card is geared for people who travel frequently. It has more travel perks than the Gold card. Rewards points can be used for merchandise, gift cards, dining, shopping, entertainment, or for use at the Amex travel website.
How much is 80 000 Amex points worth? ›80,000 American Express points are worth about $536, depending on which American Express credit card you have and what you spend the points on. You will get the best value for your American Express points when you redeem them for Travel, but there are multiple redemption options.
Is Amex Platinum worth it if you don t travel? ›The bottom line. The Amex Platinum Card is only worth the annual fee if you'll use enough benefits to recoup the fee. You could easily offset the fee with the statement credits alone, but this card also offers the chance to earn boosted rewards on travel purchases, too.
How do I get my annual fee waived? ›
Start by calling your card's customer service line. The number can usually be found on the back of your card or on your monthly statement. Politely explain that you would like to have your annual fee waived. Explain your history as a reliable customer and emphasize that you would like to remain one.
Is American Express Platinum a luxury card? ›Yes, the American Express Platinum card is a luxury card, as it offers hundreds of dollars per year in statement credits for various purchases and a bonus offer of 80,000 points for spending $6,000 in the first 6 months. The card also gives luxury benefits like airport lounge access and gold status at certain hotels.
How much is $100,000 AMEX points? ›| Number of American Express Points | Average Value |
|---|---|
| 100,000 | $670 |
| 90,000 | $603 |
| 80,000 | $536 |
| 70,000 | $469 |
A balance of 300,000 points can be used for three Upper Class return tickets with Virgin Atlantic from London to Hong Kong. Arrive relaxed and refreshed and match the energy of the city with some of your own. Alternatively, you could thank your most valued customers with an unexpected gift.