American Express UK The Platinum Card
Representative APR
688.5% APR (variable)
Purchases
29.4% (variable) p.a.
Balance Transfers
29.4% (variable) p.a. (3% fee)
Account Fees
£650 p.a.
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 29.4% (variable) p.a., and a fee of £650 per annum, most accepted customers get a rate of 688.5% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The American Express UK Platinum Card is designed for high spenders, particularly frequent travellers. It carries a high annual fee of £650 but offers complimentary access to over 1,400 airport lounges worldwide in more than 140 countries, along with exclusive travel benefits. Members can also enjoy up to £400 in Global Dining Credit annually at select restaurants (enrolment required).
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | American Express UK |
|---|---|
| Network | American Express |
| Primary Category | Rewards |
| Loyalty Scheme | Points |
| Incentive on opening | Earn 50,000 Membership Rewards points when you spend £6,000 in your first three months of Cardmembership. That’s enough for a trip to Europe or up to £250 worth of Gift Cards. New Cardmembers only. Offers change frequently so check the terms offered to you. |
| Cashback/Rewards (if applicable) | Earn 1 Membership Rewards point for every £1 spent. Earn 2X points on amextravel.co.uk for every £1 spent. |
| Account Fee | £650 p.a. |
| Purchases | 29.4% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 29.4% (variable) p.a. (3% fee) |
| Balance Transfer Fee | 3.00% |
| Cash Advances | 37% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 700.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £650 p.a. |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 2 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.99% |
| Foreign Usage World | 2.99% |
Application Requirements
| Availability | Available to new customers |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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