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American Express Platinum Card
Overall Satisfaction Rating
3.81/5
  • 5 stars
    344
  • 4 stars
    273
  • 3 stars
    186
  • 2 stars
    40
  • 1 stars
    119
Based on 962 ratings submitted in the last year
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American Express Platinum Card

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1244 American Express Platinum Card Consumer Reviews

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Page 1 Reviews 1 - 30
Rated with 5 stars
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Verified Reviewer
Original review: March 20, 2019

I have been with them for over 10 years and it has been a terrific experience. I wanted to add another card with a low interest rate and no yearly fee and this fit me 6 years after my divorce and I was rebuilding my credit. I also enjoyed the points as it has helped me buy a Weber grill and building supplies for our house through Home Depot gift cards. My wife lost her wallet a couple years ago and because the members have separate numbers they did not have to cancel my card and the new card arrived in about 3 days! Also last year twice I had a weird $1 charge on Google Play and I am on an iPhone so they reversed the charges. I am an AmEx member for life.

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Rated with 5 stars
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Verified Reviewer
Original review: Dec. 18, 2018

I had an issue with Amex Platinum offer - I was supposed to get 10% back from Amex if I purchase from Nordstrom Rack, which I did but the order was processed by Hautelook (owned by Nordstrom) so Amex refused to give me 10% back. At first, I called up and complained and Amex could not help me, however, they said they would look into it. Two weeks later, they actually did look into this issue and corrected the problem for us. I got my 10% back in my account!! It was obviously the Amex Marketing's misleading advertisement but I'm sure they received quite a few complaints on this offer and eventually Amex listened to the customers. I respect that Amex realized its fault and corrected the issue. I have been with Amex more than 20 years and this was the only issue I ever encountered with them, and had a happy ending for us. I'm sure I will be the Platinum member for many more years.

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Rated with 5 stars
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Verified Reviewer
Original review: Nov. 15, 2018

American Express are one of my favourite companies - the customer service is always fantastic and, if you learn enough about how the cards work, the benefits are brilliant! I like them so much most of my blog is about earning reward points!

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 13, 2019

I was an American Express customer for 22 years. Originally it was for my company. Over the years I never had an issue. In October 2018 my business was severely affected by the wildfires that swept across Los Angeles county, in that my primary client lost his home and was unable to continue our work together. This crippled my business. For the next several months I tried desperately to save the company that has my name since 1997. In 2019 I was seemingly out of the woods, when, due to the stress, I suffered a massive heart attack.

When I awoke one morning, I found that my personal AmEx card had been sent to collections and my online account had been shut down. Now, keep in mind, I never missed a payment on the personal card. Never even been late, or had any issue with it. It was just swept up in the handling of the corporate card and sent to a debt collector. When I called the customer service department, I was told there was nothing they could do to help me. Even though I had made all my payments and had never been late, there was nothing anyone could do. The card was at the collection agency, end of story.

Now things gets interesting. I managed to get the email address of the CEO of AmEx. He actually responded right away and passed me on to someone he said would help me. A week later the guy called me back and said I was out of luck and that there was nothing they could do. At the end of the day, I was no longer going to be their customer and thus, they didn't really care what happened to me. This company is ruthless and have no soul. And it truly starts at the CEO and goes all the way down the ladder. This guy knew what I was going through, and didn't care a tiny bit. I guess when you make $17M a year you can afford not to care about the little guy.

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Rated with 1 star
Verified Reviewer
Original review: June 5, 2019

22 of the last 23 reviews on this site = 1 star. I concur. I'm LIVID! Made huge 5 figure payment based on promises... they now refuse to honor. Frightening to think about what operating under the business model with no compassion or integrity is doing to their employees.

2 people found this review helpful
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Rated with 1 star
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Verified Reviewer
Original review: May 31, 2019

I’ve been a card member since 1988 for the teen card and I’m also a platinum card holder. I use my card every month for business expenses so the charges are significant. I don’t use the pay over time, it is paid monthly. In April I was 2 days late and AmEx sent me a letter stating due to my lateness the penalty APR for pay over time would increase to 25%. Irritated I immediately stopped using it and have a work Visa card I use. Now a month later, after AmEx realized I stopped using the card they sent me a letter stating after review of my account they wouldn’t be raising my APR and sorry for the confusion. Ha ha. Lost a customer, love it. You know why Amex ...I have excellent credit and have choices and now I’m not choosing you????

2 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: May 30, 2019

I had my account with American Express for over 6 years. Used them often. Last month I had a problem with Amazon orders being charged to my account. I called them and they said don't worry about it. They would take care of it. THEY DID NOTHING. They always talked how they would back you up but that's a lie. Closed my account today.

2 people found this review helpful
Rated with 2 stars
Verified Reviewer
Original review: May 30, 2019

American Express is a fine company if you have no issues. But once anything becomes remotely complicated, they have gamed their system so that it is virtually impossible to get issues resolved. I have been an Amex member for well over 20 years and now have a disagreement about our balance. I am completely unable to get past their customer service representatives for a more detailed understanding of our account. An investigation was initiated at my request, and this proved utterly useless. Try to find an accountable person, a department who deals with large billing questions or any responsible party? Forget it. So disappointing. We rely on credit card companies probably too much. But some are more attuned to their customers than others (Barclays, for example). American Express has fallen in my estimation to the bottom. I'll quit them as soon as this issue is, somehow, finally put to rest.

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Rated with 1 star
Verified Reviewer
Original review: May 30, 2019

LET ME MAKE CRYSTAL CLEAR WHAT TYPE OF GARBAGE COMPANY AMERICAN EXPRESS IS. I had been with AMEX for 16 years, and I’m a Doctor with student loans. I have had the platinum card in the past and found the benefits to be USELESS. I recently applied for the Cash Magnet card and was denied because of my student loans. They didn’t care that I had been with AMEX for 16 years with perfect payment history. I canceled my other cards with them and literally will never reapply for another AMEX card. They are money-hungry garbage and that’s why they have a Centurion Card for the filthy rich.

Let’s talk about some of the “benefits” of the AMEX platinum card that, in my opinion, are USELESS. The $200 airline credit, they’re only reimburse you if you choose ONE airline, whereas my Bank of America Premium Rewards VISA will allow me to choose any airline. I don’t care about the AMEX Centurion lounge. I never use lounges in airports and the food isn’t that great in their stupid Centurion lounges. Their $200 Uber credit is beyond stupid because you can only use $15/month and if you don’t use it, they expire. I’ve used their concierge before and it was NOT impressive. I was able to research things better. In my opinion, AMEX only cares about money and caters to stupid rich people who want to show off their card. They’re pathetic and now I know what a disgusting company AMEX is. I’m beyond happy with Bank of America.

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2 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: May 22, 2019

I have a gambling addiction and I am in recovery. Last year, I was in the process of maxing out all of my credit cards to gamble online. I was maxed out with American Express with only gambling charges. I was probably about 80% full on all of my credit cards and American Express decided to increase my limit to $3000. They didn't base their decision on any other reason other than they wanted to see me go in great debt and wanted to take advantage of my debt state with high interest charges. They are the most unethical credit card company out there and should be investigated by Federal agencies.

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Rated with 1 star
Verified Reviewer
Original review: May 19, 2019

After waiting a year to receive my cash back which was showing in my account as £100, told I was not eligible. The customer service representative referred me to my statement advising £3k needed to be spent. After looking at statement, I could not find this information present. Customer service agent back tracked and said, "Is clearly on our website. Struggled to find out where?" I feel I have been cheated by AA and the terms of cash back should be made very clear at point of opening the card.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 9, 2019

I have a problem with my card. I am overseas with the Military and American Express won't help me until I can call them from a US phone. That could be 3 years from now. Obviously not a company for Military or DoD employees!

4 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 25, 2019

The waiting time to reach them by phone is terrible long. They transfer you here and there and you can't get answers to your questions. They don't have an email address and this is a big red flag to any customer. They just don't want to be bothered. Too many complaints and phone calls they're not able to handle. I'm extremely disappointed.

9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 23, 2019

I have been with American Express for 22 years. Currently I have a solid government job that's over 200k a year, am a 12 year army veteran and have a credit score of 810. Because I am purchasing a townhouse after living in a small condo for 10 years, I wanted a card with cash back benefits as well as a low introductory APR. Given my previous history with American Express, I applied for a Preferred Card. I could not get any information regarding the credit limit for the new card until after the application was approved.

When I received the approval, it was for $8000. Not at all helpful given the circumstances. I was told that I could negotiate with customer service. However, they refused to do anything for 30 days. When I filed a complaint, no one got back to me. After a second phone call which failed to resolve the situation, I have up. Now I can't apply for a useful card due out of concern for my credit report. AMEX completely failed me when I needed them most. Avoid this card.

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4 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: April 20, 2019

I have been an American Express card holder for 30 years. My usage on the card is minimal. So, American Express decided to cut my credit line in half. This has caused my credit score to drop. American Express didn't even notify me of this policy change. This is a poor way to run a business.

7 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 16, 2019

I have been an American Express Gold Cardholder for over 8 years. I have held a solid history of paying it in full every month. Last month I was late by 6 days after adding up a larger balance than the norm. I received an e-mail after day 6 stating that I should contact American Express so that my card service wouldn’t be interrupted. I called American Express and they wanted not only that payment, but my next month’s balance (due in 4 weeks) in full that day ($9k Total!). I made a promise confirmation for my current balance of $4.8k for the next day. I paid the balance the next day.

I then get a notice that I can not use my card because I still owe a balance on the card. Confused, I reach out and am told there is an $18 balance remaining. How do, the balance I paid was determined by Amex. Okay, I paid that, now my card is available again and I still have until the end of the month to pay that period. A few days later I then receive a notice I have a credit limit on my account. I didn’t make any charges since the previous payment I paid. Because I’m still carrying a $4k balance my $2k credit limit makes it impossible to use my card.

All of this because I was 6 days late. Not 60 days. Not 30 days. Not 15 days. Not 7 days. 6 days. And I made a promise to pay my previous balance with them only to not be able to use my card at all. Really? I’m beyond frustrated that after 8 years I am beyond penalized. Awful service. I am counting down the days until I cancel this card after my final payment of this balance. Stay away from American Express. All is well until you miss one payment by only a few days. Then you are the worst customer in their eyes.

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10 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: April 16, 2019

In regards to the American Express Platinum Charge Card all I can say is from my personal experience, what a horrible, horrible company Amex is. For the last 2 months I’ve been dealing with 2 very ill family members and during this time I forgot about the $200 travel credit on my Amex Platinum card. Unfortunately, this travel credit, which I ultimately paid for as per the annual card fee, American Express, as per its policy*, claims I have forfeited and has effectively stolen this from me. *If you don’t use this credit within 1 year American Express will effectively steal it back from you.

No email notification & no automated phone call, warning you of what is about to happen. If you don’t use it within a year Amex will lighten your wallet of this $200 credit (regardless of the circumstances) without any mercy – effectively robbing you of something you paid for. Again, what a horrible, horrible company. I have been an Amex member since 2001 and this isn’t the only grief I have experienced, dealing with what I consider to be the worst customer service standard of all the credit card companies and I’ve had it. To anyone reading this, do yourself a favour; don’t waste your money on an Amex card. Tomorrow I will be cancelling mine.

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3 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 16, 2019

My husband used this card for 6-8 years for his business and after Hurricane Irma he got behind on payments. American Express cancelled his card and put it under some other department so when I started paying the bills nobody could talk to me NOR could they add me as a point of contact even with his permission because the card was cancelled. But every time I called they were willing to take my payment. Our bill was over $50,000 and because we got behind on payments they charged us 29.99% interest -- yep, almost 30% on top of the money we were paying. We had to refinance our mortgage and take out some other loans to finally get this albatross off our backs. NEVER EVER EVER AGAIN will we use or recommend American Express. It is a horrible company with more horrible customer service.

9 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: April 14, 2019

I have 5 Amex cards for a number of businesses that I own and 1 personal card. I have never missed a payment on anything in well over a decade. I have been working with Amex because they have a good points system however for the 2nd time in 6 months my accounts are suspended until I submit a bunch of financial information. The last time this happened I had prepaid the $30,000 so they would stop shutting my card off. Instead they suspended my account anyway and held my $30,000 for 2 months while they did a "financial review".

Now we are doing it again. I have to be able to pay bills and order inventory so having the cards shut down for months is unacceptable. Amex touts itself as a card for small business but that is absolutely false. They have treated me poorly and damaged my business from almost day one. Do yourself a favor and don't even bother dealing with Amex. I'm putting $300,000 a year through these cards and that doesn't even buy me decent customer service. Find another business card.

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9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 10, 2019

I have been an Amex cardholder for 20 years and our small business recently had a dry spell so I fell behind on 2 Amex cards. I have called to tell them I am making payments as I can but all will be paid in full and caught up within 60 days. They said that is not good enough but I can talk to the hardship department. I did just that to try to work out a payment plan and they said if I can come up with $3000 today, they can enroll me in the hardship plan. If I had $3000 I would make a payment and get caught up!

I have never been behind on payments for 20 years and now that I ask to work out a payment plan until I can get caught up in 60 days, they say it is not good enough. I know I am responsible for making payments on time and now have the income again to get caught up. It is unfortunate that 20 years of on time payments is not enough to get 60 days to recover. When I am paid in full, I will not be using my Amex cards or recommending Amex to anyone.

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7 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 6, 2019

I have received invitations from American Express for their platinum card for both my business and personal spending for many years without ever applying - completely normal. Recently I went to their website to check eligibility, spending limits, rewards point sign up bonus etc. While navigating their website it asks for personal information to check eligibility. The following screen has additional navigation tools to request more information - clicking on this actually submits your application, opens an account and lets you know you will receive a card within the week.

I immediately called American Express to let them know what happened and ask that they close the account and remove the credit check. It took a week of calling and dealing with rude and short representatives before I was able to close the account WITHOUT having a resolution to the effects this will have on my credit score (read: opening/closing accounts, credit checks, age of account). I have now submitted a complaint with the consumer finance board and reached out to the credit agencies independently to resolve this as American Express customer service was unwilling to help and worth reiterating, some of the rudest representatives I have dealt with.

In the aftermath of this I have mentioned this issue to friends and colleagues and was surprised to hear that this is commonplace with American Express, that their mileage bonus incentives are never given nor an explanation provided and that customer service is lacking at best. Should you decide to open an account with American Express I hope that you have a different experience than I.

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8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 31, 2019

I was approved a American Express card in Dec with a credit score of. 755. So I apply for a credit increase since I was only approved 1000 dollars. And I was declined because they said I have filed for bankruptcy when I haven't so I contacted credit company and have a copy of my credit report and no bankruptcy on my reports. I don't know where that came from and got a letter saying after a careful review I'm still declined a increase so I call Discovery and they gave me a 12000 dollar increase on my card with them so Amer Ex can stay at 1000 in my wallet for good.

10 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 29, 2019

Been a member for, well most of my life. I am reaching senior years. 800+ credit. Never late. Reliable. Was loyal. It seems like sending me an punishment letter stating that due to my low spend activity they are lowering my credit limit and cash advance limit. Maybe by punishing seniors and demeaning us we will tell everyone we know how great they are? I've seen this before with other once great companies. All gone now. Punishing us for loving you. Hope it all works out with this great new customer service approach.

9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 28, 2019

AMEX laid a big egg on me. I relocated from Atlanta to Jacksonville for my job. I take a couple weeks off to close on a house and move in then I have to work a couple weeks before my first paycheck in JAX. I was planning to use my AMEX card to pay gas, groceries and small bills until that first check on April 12th. You know? The kind of reasons people keep credit cards to begin with!!! However, as soon as I start using AMEX they cut my limit. Now I’m stranded and had no choice but to open another line of credit. Not to mention AMEX actions are uncalled for and hurt my credit score. If this line of credit remains loyal to me then I will no longer need AMEX. I will close my account when it’s paid and I will never do business with a credit card company as unreliable as AMEX ever again!

8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 25, 2019

When I called Customer Service I was told they had other option for me to get a extension on my account so I won't lose my house by 1 April 2019. The customer service agent told me to call Monday. When I did he never documented anything we said to me the night before. So this is not acceptable. I personally think the customer service team needs to be retrained. I work for a company that sponsor AX and I am not pleased by the way I was treated by the agent today from 2 that were very rude and did not care about anything. I will NEVER refer anyone to AX. They have lost my confidence in this company.

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 24, 2019

I was a several decade long loyal fan, and customer of AmEx Platinum. I particularly enjoyed the travel benefits, for which I had not qualm forking over the extra $450/year. One could easily see that I paid my bill on time, and often in advance if traveling. Imagine my disappointment in American Express when an unscrupulous merchant sold me an item whose warranty was automatically void. The product arrived, poorly packaged, damaged, and bent. I took photos, called American Express. AmEx advised me “Don’t you worry about a thing Ms... This isn’t right, and we are going to take care of you. Thank you for being such a long time valued customer.”

The chargeback was made with no problem. I returned the faulty item to the merchant, insured, tracking. The merchant convinced AmEx that I had used its product, violently, and had done the damage. AmEx reversed the chargeback. I called. And, received a lengthy apology. The chargeback was made again. The merchant mailed the same damaged product back to me on New Year's Eve. I refused it. The merchant not only collected the $1200 + from American Express, but double dipped by claiming insurance with USPS.

Still American Express failed me, its loyal customer. AmEx told me that if I would pay my yearly fee again, they would ensure this never happened again, and make good on the chargeback. AmEx took my $450 yearly fee, cancelled my card within days, AND turned me over to collections. May they rot in hell. I look forward to shorting their stock until I have recovered 100 times 100 the amount they cost me.

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8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 23, 2019

I canceled my Business account with AMEX as AMEX increased their annual membership fee. Soon after that, AMEX reduced my personal credit line. As a result, my credit score dropped. Stay away from AMEX. My other cards increased my credit line. Go figure.

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 20, 2019

Did you know you only have 30 days to dispute fees? Nowhere on the statement do they tell you that. But that doesn't matter - according to the uppity representative who I spoke to, "You should have memorized your card agreement, because this appears on page 5!!!" No joy in getting any portion of these fees either, and only 35 days late. Think I will be looking at Chase Sapphire cards.

7 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 18, 2019

Took Amax up on a zero % interest cc, no transfer fee to pay off another credit card. They charged my new card to pay a JC Penney account - which I have no account with, no debt to them. They told me it would take 6 weeks to resolve and I am responsible to pay them payments to pay off $4500.00 which they paid "willy nilly" to the wrong place. Appalling. Where R consumer protection actions? They threatened sending me to collections when I complained about paying a debt that isn't mine. Charge my account and send the $$$ to where ever. I'm still in awe of the extent of their incompetence and arrogance

3 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: March 14, 2019

Shame on you AMEX. My father died one month ago, we closed his AMEX card as we should, you guys shut down his autopay therefore we didn't pay the bill immediately, had to wait for the bill to arrive. You had the nerve to send his account to a collection agency and my mother gets a nasty letter in the mail, she's in mourning. Hasn't been responsible for bill paying in their household ever and this is one of her first experiences. Is that really the way you should treat a 50+ year member? Reassess the handling of this situation in the future. You've lost me as a customer. I'm closing my account with you, I'm disgusted by your actions.

7 people found this review helpful
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American Express Platinum Card Company Information

Company Name:
American Express
Website:
www.americanexpress.com
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