American Express Platinum Card Reviews

DISPUTE: **. On June 4, 2026. I called Customer Service at GoDaddy and informed them I was cancelling their hosting of my emails which was to be billed an excessive amount on June 5th. I requested a a refund of the previously charged fee of $115. That was done. I spoke with Customer Service and the man said he would relay the request of the $115 to his managers. It is a LIE that they were not informed or have no record of the cancellation. Godaddy price gouges and I have terminated all business with them.

I am just in shock at the recent experience I've had with American Express. I thought that for a premium brand—which I considered American Express to be—they would care more about their customers and their customer experiences. I have been shopping for a business class flight for about five months, looking for the best deal. Finally, in June, American Express had a promotion to transfer points to Air France at a rate of 1250 points per 1000 points transferred. Since Air France was one of the options we were considering, this promotion piqued my interest. It would have given me around 100,000 extra points to use at Air France so it was definitely worth it.

We had a fraudulent charge on Amazon/Audible and AMEX refused to reimburse us. After 25 minutes and several operators, they said we have to contact Audible directly since AMEX will not do anything. Unbelievably bad service and terrible that they would not do anything about the fraud. Waste of money for the Platinum card. I will cancel our card as soon as our next statement clears.

I have been disputing a $200 charge for over two months. Cardmember since 2009. Facts are Fact are very straightforward. "Back ordered" item purchased online never arrived from a vendor. Multiple attempts to cancel the order were not replied to by the vendor. After alerting Amex and uploading all of the data requested, my claim was denied for no valid reason reason. Subsequent phone calls with representatives were time consuming and futile. Most sheepishly apologized, appreciating that I got screwed. Do not expect Amex Platinum to advocate disputed charges on your behalf. Don't pay the annual fee.

I went to charge something on my card. Before I knew it they had closed my card because I had not used it in a year.

After 26 years I am cutting my card. They have not once honored any disputes and their customer service is pitiful. Good luck getting any real answer out of them.

Lounges are always full with 45 plus minute wait being the average. For $895 per year, and unable to use benefits I'd skip. Not worth the annual fee until they learn to manage lounges and honor their commitments.

Avoid at all cost! They can discretionally reduced your pay over time limit without a warning and if you are below the limit at that time you can't use the card that you are paying >$800 a year for! What a joke! :)

Don't sign up for the American Express Platinum Card. If you choose to cancel you still have to pay the entire account fee for the the entire year which is $480.00.

After 28 years as a cardholder, I am very disappointed in the way they treated us. Stay far away from this company. There are many other good companies out to get a card from. Amex customer service was a disappointing experience and poor quality. I will tell everyone I know to move away from this company.

My credit limit was reduced from $30,000 to $1000 WITHOUT WARNING. I was told nonsense about their algorithm and told I'd have to go through a lengthy appeal process. Then pushed around from person to person. Only empty apologies. NO attempt to make it right. I CANCELED that card with EXTREME PREJUDICE.

Horrible. In my app went to chat to cancel one card due to opening another new card to transfer over. The original was through a bank we no longer used and had to cancel. Was told everything would transfer over and assumed that meant the annual fee too. Agent on chat said it won’t. Then was just matter of fact sending closing disclaimers over chat. I’m asking questions, I'm back and forth, I’m frustrated. I leave chat to call. To find out the chat closed all my accounts. And they can’t be reinstated. They escalate which is 7-14 days. Etc., etc. I’ve been with since 1999. I’m looking at this must be a reason. And with this long gap I’m going to look at other options. The panic is over and realizing maybe a blessing.

I used to love AMEX. But now I don’t. I have only one word. Don’t.

American Express doesn't care about its card holders, it lets businesses charge you and never deliver a product. And all the business has to do is say that you signed a contract or a receipt, they don't have to prove that they actually provided a good or a service. Worst financial service I have ever dealt with. I would not recommend them to anyone.

I waited to write this review as the issue began 4 months ago when I discovered that my platinum card had been enrolled in pay over time automatically, which allowed AMEX to charge interest on certain purchases from the date of purchase. This was done via passive non-member consent, but yet within the confines of the law. I immediately called, and of course, AMEX was kind and deleted the interest charge and informed me the pay over time election would be terminated going forward. That pay over feature was not terminated as indicated, and the very next month I had to spend additional time calling card services to have interest charges reversed which AmEX did, and also confirmed no pay over time interest would appear the next billing cycle, and card services also confirmed that for several decades of membership I has always paid my card in full every month.

I’m extremely disappointed with how the American Express Platinum’s Priority Pass access is advertised and delivered. The nearly $800 annual fee is marketed as premium, but the actual lounge rules are unclear and changeable, with important details hidden until you’re already at the lounge.

They like to report a balance even when your card is at zero.

The customer service I received has been wonderful, heads and tails above everyone else. JD power has rated them number one in customer service for six years.

I returned from a trip to Italy. I purchased my hotel through AMEX travel. The hotel was listed a “lowest price guarantee”. When I got to the hotel, they gave me a receipt where the price was SIGNIFICANTLY lower than the price AMEX quoted. AMEX said if I had booked directly that would be the lowest price but they would not honor the price. Highly disappointed.

I greatly enjoy the rewards and benefits the AMEX Platinum Card provides but what prompts me to write this review is their handling of a recent dispute I had with Virgin Atlantic airlines. When my mother in law was unable to complete travel on a refundable international upper class flight worth approximately 5500$ Virgin would not give me a refund amount despite my inquiries weeks ahead. To change the date (up to 6 months in the future) they wanted an additional 5 to 10k. In the end I had to cancel the flight without being given a refund amount but felt comfortable given that if I downgraded to an 800 pound economy flight I would have received a refund of over 2200$.

In my experience this the worst credit company I ever worked with. They keep lowering my credit cards limit without any reason. Very disappointing customer service and they don’t respect customers at all. Think twice if you want to be treated fairly and respectful.

This company is extremely hypocritical. They read off the script stating that you value your loyalty, in my case of 11 yrs, but in reality they don’t give a damn about their customers. I have never been late in my 11 yrs, my credit score hasn’t changed give or take 5 points up and down. They don’t like it when you use the available credit they set for you. If you get too close to using the full available balance they will lower your credit limit without notice.

I am outraged by the complete failure of American Express to support a loyal customer of over 30 years. In a time-sensitive and deeply important situation—traveling for my son’s master’s graduation—I reached out to American Express for immediate assistance. What I received instead was cold, rigid, and utterly ineffective handling. I was subjected to irrelevant and unreasonable security questions, including being asked for my husband’s mother’s birthdate—despite the fact that she passed away over 20 years ago—while no real effort was made to resolve the issue. There was no urgency, no accountability, no escalation, and absolutely no customer care. I was left completely unsupported at a critical moment. This is not just poor service—it is a complete breakdown of what American Express claims to stand for.

Terrible organization. I highly recommend going anywhere else. Poor customer service and communication.

I have three AMEX cards, Business. Platinum, Delta reserve and Delta Platinum. Our business spends hundreds of thousands of dollars on the cards. Had an issue where I shipped a valuable table with UPS. The table was damaged, I purchased insurance and UPS is refusing to pay the claim. Asked for a picture of the box 3 weeks after I submitted the claim with all pictures showing the damaged item in the original wrapping. Protested the charges on AMEX noting that UPS did not fulfill the contract to deliver the items in the same condition they were sent.

Horrible experience with AMEX. Too many phone calls, long wait time. After months of disputing, they still charged me late fees. The credit card was finally credited. BUT they still charged me interest even though it was not my fault. Never Again!! Scammers!!

Amex basically asked me to pay up when I always pay in full. It’s a shame that this company is putting people thru stress during a tough economic time. I’m taking my money and banking over to J.P. Morgan Chase. F Amex

High prices, bad service. There is a high annual fee for this card. Customer service is 1 out of 10, if that. The benefits are only worth it if you do a lot of high end traveling.

In February, I made the mistake of using Apple Pay to load money onto my Hard Rock casino account. After realizing, I put it on my AMEX I called immediately. I was told by a representative that since I made payment so quickly I would only be incurring cash advance interest for the days in between the charge and the Post date of my payment. After going back-and-forth with customer service, they opened a case on March 12. Still no determination. Based on the attitude and demeanor of Leanne, the supervisor didn’t sound like AMEX cares. Because this is not a dispute, American Express will not even follow up with me to let me the customer know the outcome of the situation. I’m being told that I have to call in every so often to find out whether or not my case is still open or approved or denied. I find this misleading. If representative says one thing you should be held accountable.

Complete Garbage. I only got the card because the annual fee was exempt and then 2 years into having it they decide to charge me. Trying to fix it has been like pulling teeth. Everyone and I mean EVERYONE is incompetent. After 3 emails and 8 phone calls I finally found the department that is the approver, and guess what? They have no email or phone number, I literally have no way of contacting them,.

Reduction of spending limit. And asking too many questions unnecessarily.

The most worst and bad credit card to collect if you are planning to get credit card, they will charge you till your bones. They have a high rate of charging is really really expensive and they don’t have feelings for customers when they’re charging. Credit bureau should not consider AMERICAN EXPRESS for low class of minimum workers.

I have had good credit with no limits and then all of the sudden American Express imposes a credit limit on me without warning. Never been late and never missed a payment. Been a customer for over 20 years. Paying this card off as soon as I can and will not use the card ever again.

I disputed a charge on my AMEX from StubHub. The dispute was: On February 22, 2026, I went online intending to purchase to James Taylor tickets for Jones Beach Theatre on June 23, 2026. The first screen that came up were “tickets” called “Fast Lane Pass”, and I purchased it thinking they were the tickets. The next morning, I realized that these were actually not tickets to the concert, but some type of add on. If they were an add on, why was I able to buy them without buying actual tickets? Without the concert tickets, these “passes” (strangely also referred to as “tickets”), are WORTHLESS. The website is intentionally unclear and misleading by first offering these “tickets” which were really just add on passes, apparently so you don’t have to stand in line? Why would I need these without actual tickets.

Absolutely absurd company. They Charge $599CAD Annually for their subscription, on a $5000 Credit card, when I have a $22,000 Credit card and a $50,000 Car loan which on all 3 have never missed a payment and pay each credit card off every month or utilize the cards under 10%. They charge me the $599 subscription fee then send me an email they are loweing my AMEX from $5000 to $1500, which will drop my credit score and make my credit utilization higher. What an absolute SCAM of a company to do this to their loyal customers. If you value your credit DON'T CHOOSE THIS COMPANY!

If you intend on actually using your credit card DO NOT get an AMEX. I was approved for a $33,000 limit over 3 years ago, I hardly ever carried a balance and always paid the card off. One month I charged roughly $7,000 to the card (21%) utilization, and before the statement even closed they suspended my account and reduced my limit to $8,000. Do not use this company.

Six weeks ago, my wife, Nancy **, received a flier in the mail offering an AMEX account that would give her a $100 credit upon her charging $1000 on the account and would also provide rewards on all purchases made on the account. The latest statement is for $1452.22, but there is no $100 credit and no rewards. Am I missing something or is this a SCAM!!

American Express has some of the worst customer treatment I’ve experienced. My Platinum account is perfectly fine, yet my spending privileges were suddenly suspended because of the “status of another account.” No clear explanation, no warning, just a block and a message telling me to call them. For $800 per year, there’s no real value — they just dump you for no reason at any time. Premium fees, zero respect, zero transparency. Completely unacceptable.

I recently received my fee increase from Amex for my platinum card and went through a decision process on whether to keep the card or not. As part of that decision, I decided to start using AMEX travel because of the travel benefits, etc. They are actually quite good. That said, I’m already second-guessing my decision to use it for travel. It would appear if you have simple travel such as an airline and a hotel, the online service works quite well, but if you have a larger, complicated trip or anything out of the ordinary, that’s where it gets difficult. I tried to book a car rental at the online site with a little complexity to it (cross-border drop off) and as a result I needed to speak to someone for some specific info I needed that the website didn’t address. The advice was “call the number on the back of your platinum card for fast service”.

I have been with AmEx for 10 years. Had 2 late payments (not more than 30 days) in the last 2 years. Pay more than the minimum asked. ALWAYS!!! My FICO/Experian scores are 746 and 735 currently. They dropped my credit limit from $12,600 to $1,800. It's absurd. No one rectified it or could give me a reason that made sense. I work two jobs and all my bills are paid. No one could give me my limit back, kept telling me I had to wait. This is the first of many reviews and cancellations to follow.