American Express UK The Platinum Card
Representative APR
691.7% APR (variable)
Purchases
29.7% (variable) p.a.
Balance Transfers
29.7% (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 29.7% (variable) p.a., and a fee of £650 per annum, most accepted customers get a rate of 691.7% 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 80,000 Membership Rewards® points when you spend £10,000 in your first six months of Cardmembership. That’s enough for a trip to Europe or up to £400 worth of Gift Cards. New Cardmembers only. Terms apply, 18+, subject to status. Offer Des 14 October 2025. |
| 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 | 29.7% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 29.7% (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. |
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
Santander credit cards: balance transfers, Edge and All in One
Vanquis Balance Transfer Credit Card – Review & Key Features
