The Platinum Card

Key facts
Representative APR	685.3% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	£650 annual
Foreign transaction fee	—
Standard purchase rate	29.1%
Rewards / cashback	2x points on amextravel, 1x elsewhere; 50,000 bonus points if spend £6,000 in 3 months
Airport lounge access	Yes – Complimentary access to 1,550+ airport lounges in 140+ countries. Programme and guest terms are in the issuer’s benefit terms.
Eligibility	Purchase rate applies if using line of credit

Visit issuer site ↗Compare with other American Express cards

Source: americanexpress.com/en-gb/credit-cards/platinum-card/ · Last checked 30 October 2026

Figures are as published by American Express when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.