The Platinum Card®

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

Annual Fee £450

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Terms and Conditions

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.

Check your eligibility for The Platinum Card®

Only takes a couple of minutes to complete
Will not impact your credit rating
Allows you to apply with confidence

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.

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

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

Welcome Bonus
Earn points on all purchases
Use points the way you want
No earning cap on points

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.

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.

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.

Get elevated to the higher tiers of our leading hotel loyalty partner programmes including Hilton Honors^TM, Shangri-La Golden Circle, Starwood Preferred Guest and Melia Rewards.

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 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.

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.

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.

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 Protection and Refund Protection covers eligible items purchased using the Card.

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.

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.

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.

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.

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.

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.

Read Terms and Conditions
Read Summary Box
Read Insurance
Read Membership Rewards Terms and Conditions
Statement of Lender and Borrower Responsibilities
If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative Card is available - The Basic Card.

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.