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The Platinum Card®

Earn 30,000 Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership
Annual Fee £450

Spending Limit
No pre-set spending limit
No interest charges
Just pay off your balance in full each month
Annual fee
£450
Product Terms Read summary box


If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative option is available – The Basic Card.

Key Benefits

AIRPORT LOUNGE ACCESS

Complimentary access to over 1,000 airport lounges across more than 120 countries worldwide.

WORLDWIDE TRAVEL INSURANCE

Enjoy comprehensive worldwide protection for you, your family and your Supplementary Cardmembers.

HOTEL BENEFITS

Access extra value and exclusive benefits all around the world including complimentary room upgrades upon arrival (when available) and a late check-out.

MEMBERSHIP REWARDS points

Get points for every pound you spend and redeem with a range of shopping, travel and lifestyle partners.

Travel Benefits

  • Airport lounge access
  • Worldwide travel insurance
  • Hotel benefits
  • Hotel loyalty programmes
  • Car rental benefits
  • 24/7 Global Assist®
Read more

Platinum Lifestyle

  • Platinum concierge
  • American Express Invites®
  • Platinum events
  • Restaurant benefits
  • Complimentary Supplementary Cards
  • American Express offers
  • Purchase and refund protection
  • Fraud guarantee
Read more

Reward Yourself

  • Welcome Bonus
  • Earn points on all purchases
  • Use points the way you want
  • No earning cap on points
Read more
Travel Benefits
Airport Lounges Access
Put your feet up before you take off with complimentary access to over 1,000 airport lounges across more than 120 countries worldwide including the American Express lounges.
Worldwide Travel Insurance
Enjoy comprehensive worldwide travel insurance for you, your partner, your dependent children and your Supplementary Cardmembers for trips of up to 90 days and gap year cover for children under 25. Terms apply.
Hotel Benefits
Enjoy complimentary benefits with an average total value of $550* with FINE HOTELS & RESORTS at over 975 luxury hotels worldwide including room upgrades when available**, complimentary breakfast and guaranteed 4pm late check-out.
Hotel Loyalty Programmes
Get elevated to the higher tiers of our leading hotel loyalty partner programmes including Hilton HonorsTM, Shangri-La Golden Circle, Starwood Preferred Guest and Melia Rewards.
Car Rental Benefits
Enjoy access to the higher tiers of our travel partners’ loyalty programmes including Avis Preferred and Hertz Gold Plus Rewards® with benefits including a discount of up to 15%.
24/7 Global Assist®
Global assist provides 24/7 help whenever you are travelling outside the UK.
Platinum Lifestyle
Platinum Concierge
The Platinum Concierge service is your 24/7 travel and lifestyle resource who help with the everyday whether it’s organising flowers to surprise someone special or arranging an unforgettable round the world trip.
American Express Invites®
Enjoy one-of-a-kind experiences at exclusive Platinum events and American Express Invites® gives you access to sought-after events, from music concerts to fashion to iconic sports events.
Restaurant Benefits
American Express Invites serves up exclusive benefits at over 200 restaurants worldwide. From Michelin-starred hotspots to hidden gems, you can look forward to something extra on the menu.
Complimentary Supplementary Cards
Extend your benefits to those closest to you and earn points for their purchases with up to five complimentary Supplementary Cards (one Platinum and a combination of four Gold or Green Cards).
American Express Offers
Enjoy carefully selected offers from our range of retail partners. Simply choose the offers you like, save them to your Card and then spend in line with the offer requirements.
Purchase and Refund protection
Purchase Protection and Refund Protection covers eligible items purchased using the Card.
Reward Yourself
Membership Rewards points
Membership Rewards is our way of saying ‘thank you’. Our customer loyalty programme rewards you every time you spend on your Card and you get to choose how to use your points.Visit our Membership Rewards page to find out more.
Welcome Bonus
Earn a new Cardmember Welcome Bonus of 30,000 Membership Rewards points when you spend £2,000 in your first three months of Cardmembership. That’s enough for a return flight from London to over 100 European cities. Terms apply.
Earn Membership Rewards
You and your Supplementary Cardmember earn 1 point for every £1 spent and earn faster with 1 additional point for every £1 spent at American Express Travel Online.
Use points the way you want
Unlike other loyalty programmes, Membership Rewards points never expire. Get shopping, travel and entertainment rewards or even offset any purchase made on your Card.Visit our Membership Rewards page to see more ways you can use your points.
Eligibility
To save time before you apply for your Platinum Card, it’s best to make sure you can say yes to the following.
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have no history of bad debt
  • I understand I will not be eligible for any Welcome Bonus award if I hold or have held any Membership Rewards enrolled American Express Card in the past six months.
If you can say yes, go ahead. The application usually takes less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now.
Important Information
Applicants must be 18 years old or over and approval is subject to status.
Please ensure that you have read and downloaded these important documents before starting your application.
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board


Need help completing your application? Click here for more information. If you are visually impaired, our online applications are accessibility software compatible.

Ready to apply?

Earn 30,000 Membership Rewards® points when you spend £2,000 in your first three months. Annual fee £450.
The Platinum Card is offered by American Express Services Europe Limited. Click here for more information
Apply Now