American Express Platinum Card Reviews

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.

In December, I conducted extensive due diligence to select the right business credit card for my company. My primary requirement was the ability to issue an employee card to a non-U.S. citizen assisting with overseas operations. I explicitly confirmed with American Express - before applying - that a Social Security number would not be required for an employee card. Based on that assurance, I chose the Business Platinum card with its $895 annual fee, believing the premium cost reflected premium service and competence. Weeks later, when I attempted to activate the employee card before traveling overseas, I was informed that a Social Security number was in fact required, and that the policy had “just changed.” No proactive notice. No accommodation. No solution. The suggested workaround? Issue an employee card in my own name and hand it to someone else.

If only it was AMERICAN? All service issues and disputes? INDIA! Asked for a Continental US associate to speak with! Was told by Florida rep! (No BS) India rep controls the account queries and customer support issues! Can't make this up!.. Have both Platinum and Gold! 10 years now! And their AI has limited my accounts! NEVER a missed payment! Pay on time!.. NOW? "Send us ALL your banking data to appeal"!! Hey AMEX! NEVER gonna send my DATA to INDIA!.. WAKE UP! It's AMERICAN EXPRESS! Or rename it! INDIA/American? Maybe Express!..

Interest charges keep coming on a 0 balance card. I, and my financial advisor in two separate calls to Amex confirmed the amount due to zero out the card. New billing statement comes out and ANOTHER charge because of "traveling interest?" 'Michelle' - the Amex rep told me she could not give me her ID number - yet repeatedly asks for the last 4 of my social, zip code, full card number, etc. etc. etc. This company is no longer the "gold standard" in credit cards.

After 36 years as a Amex Platinum member, I retired and sold my business. I changed my card from a Amex business account to a personal account. Trying to plan trip to Europe, I was told I only had a $3000.00 limit till a established a spending pattern!! Considering if I should continue my Amex relationship? Was not told about this when I switched my card.

Went to use the card and it was canceled. They canceled my account over a heated subscription charge dispute with Ancestry.com that I finally won over 5 months ago!!!! Out of the blue with no advanced warning, email, or text they cancel my card. I could have been on a trip or in an emergency!!!! This is now how TOTALLY evil this company is to its customers. AMEX is now a third world card company with ZERO customer support. They have turned into a very pro business and anti customer protection company over the last 10 years.

WARNING: Amex has "trailing interest". If you don't pay off your entire statement balance in one month, you receive the usual interest charges on your account. HOWEVER, if you pay off the entire balance the next month, you still receive "trailing interest" charges on the previous month's balance. I've paid the balance in full three times so far, and AMEX keeps charging interest on zero-dollar balances. The last excuse I received was "trailing interest" on the prior month's balance that I had already paid in full, stating I will receive two months of interest. This is the first credit brand I've dealt with that does this.

I carried the American Express Platinum Card for eight years, long enough to say with absolute confidence that this card is all marketing and very little substance. American Express sells the idea of luxury, exclusivity, and premium travel perks. In reality, those benefits are mostly superficial and unreliable. Despite nearly a decade of card ownership, I never once received a meaningful upgrade, perk, or preferential treatment because of this card — not with airlines, not with hotels, and not in real-world travel situations where it actually matters.

Upon opening my American Express card a bonus of $500 was offered should I purchase an airline ticket within the first 6 months. I did. No bonus came. When inquired about it an explanation was given that the ticket has to be purchased by the middle of the month, not by the end of the month. Nobody ever said this to me before. After multiple calls, no resolution. I Canceled the card.

I have been trying to use my reward points for more than a year, but there is always something to discourage me. Tickets in their travel services are overpriced, and the client has to pay up front the entirety of the costs and then expect to receive the reimbursement later. At this time, I tried to use my rewards to bring my daughter to see her grandfather, who has been in an Intensive Care Unit for 3 months fighting for his life after a Traumatic Brain Injury, but I would have to pay upfront everything to be able to use my rewards. I really needed at that point, considering that I have been supporting my mother and attending my father at the hospital, unable to work for 3 months. The representatives that I spoke with had no empathy and the supervisor was as rude as someone can be. Very disappointing experience.

When inquiring about upgrading the card from Gold to Silver, the sales associate misled me by stating I could get my prorated membership fees back if not satisfied. The AmEx Platinum Card benefits and customer service were very underwhelming on every level. It took multiple calls to get customer service to cancel the card. The customer service department would not refund my prorated membership fee. Philip **, employee #**, did not even try to find a solution. I was a member since 2008. This is how bad their customer service has been and has repeatedly demonstrated over the past few months.

If “premium experience” means two hours of elevator music and zero solutions, then AMEX nailed it. My Platinum card was mysteriously flagged for fraud—without so much as a courtesy ping—and effectively turned into a shiny brick. While stranded on hold for two hours, I tried the text service, only to be told, “Call us.” Brilliant. Why can’t AMEX text me about suspicious activity and verify instantly, instead of forcing me into call center purgatory? For $869 a year, I expected concierge-level service, not a scavenger hunt for basic functionality. Consider this my official notice: this card is canceled at year-end. High fee, low service—what a platinum paradox.

If I could give 0 stars, I absolutely would. I’ve used Amex for years, but the last six months have been nothing but terrible customer service. Even though I pay a high annual fee, they still tried to rip me off. Luckily, Delta solved my issue—not Amex. This is the second time they’ve screwed things up, and it will be the last. I’m closing my card and warning others to stay away from this scammy company. Terrible.

I have three Amex cards, two with very low credit limits. I have an Exceptional Payment record on my credit reports and have paid my Amex cards on time every time. It's as if Amex does not pay attention to how a customer pays their credit card payments with them. Even worse, Amex threatens to decline transactions unless an immediate payment is made, even though the transaction is under the credit limit. What is wrong with these people?

Amex Platinum keeps raising fees while service gets worse. Their hotel booking support was terrible! After a water park closure, they moved me to a hotel triple the price and promised to adjust the cost later. They never did. I paid far more for a stay I never wanted.

If there was a 0 I'd give it. No response from their CEO steve.squeri@aexp.com despite numerous emails regarding increases in fees. Been a member since 1985. Seems they want to continue collecting $895 base + $195 additional card per year for a card whose benefits don't add up to any benefit at least for us. Resy limited on restaurants. The $300 hotel credit is a farce. End up paying more for the hotel instead of booking direct. They took away media apps I used like Adobe. Delta who they partner with has hidden policies to take away points, give you limited access to their crowded lounges if you book economy and won't reimburse for hotel fees even though we have been a Platinum member since 1995. Their CEO ed.bastian@delta.com no response either. We will be cancelling our card this year and moving back to Green.

I've had a Blue Cash rewards card for over 20 years. I usually pay the balance each month, but lately I've been carrying a balance. The interest rate on purchases was an obnoxious 17.24% but I thought it's only for a few months. Besides, I saw that if I spent $3,000 in 90 days I would get a $50 statement credit. (that offer inexplicably changed to $6,500 in 90 days with a $65 credit!?!) I have a credit score in the high 700's, never been late, and noticed the interest seemed high and discovered on page 8 of the statement that is was inexplicably raised to 22.99% a month ago! I talked to cs (she pronounced purchases, with a long "a".) Not sure what country she was from. I was on hold a half hour and nothing is resolved. I was told to call back in 7-10 days and given a case #. Bye bye, Amex!

If your payment is rejected for some reason, they have a policy to charge your same bank account 3 times without your permission. This way my bank was charging me fee and Amex was also charging me fee. The new fee is too high for the benefits so I just cancelled my Amex platinum card and moved to Capital One Venture X card for less than half fees with almost similar benefits.

They are a bunch of liars. I have the platinum card and I have been screwed out of many of their offers due to their own technicalities. I booked a hotel through their link and said I'd get money back if I used prepay. So I did that and I never got the money credit. When I asked why they said it's because I didn't prepay. I told them I did and I have a receipt and they said, "Well our records indicate you didn't and we did a thorough investigation." Then I told them why was I charge for the full amount before I stayed there then, they responded by saying, "Well you used the wrong link." I didn't get credit back for something else and it was same thing. They scam you. Be aware of it!

American Express travel insurance that you purchase extra for trips other than the travel assurance that you pay only $28 with the trip is a big lie from American express. They sell it to you and tell you that it covers all the trip interpretation and cancelation of your trip. After you explain to the agent the reason for the extra insurance they reassure you that you are 100% cover but then when you need to use it and submit all your paperwork for trip interruption then they tell you that it's not a covered reason They basically lie to you to buy the extra insurance but when something happens they don't want to cover it. Be careful with this company. They take your money for nothing. I am very disappointed from them. I don't recommend to deal with them. I think that it's a private insurance company that under American express they should be ashamed of themselves and American express needs to investigate them.

I have been a customer of American Express for 54 years, since 1971, including the last 40 years as a Platinum card user. I was a very substantial customer and was offered their exclusive Amex Black card on a few occasions and chose not to switch. In 2025, being retired, I wanted to switch from Platinum to a card with lower fees. When I advised Amex Platinum service that I wanted to switch their friendly tone changed to hostile and they immediately advised that my card would be cancelled immediately, with all my history and records wiped out, and I would need to reapply for another Amex card as if I had no prior record with them. I was shocked and told them that these are Mafia tactics used by them on a loyal customer of 54 years. And true to their word, when I got off the phone, my account was wiped out, as if I never existed. What a horrible, horrible company Amex is. Shame on them. Greedy money hungry outfit, Amex.

American Express treated me terribly. I was told by their own rep that I earned a $250 welcome bonus, only to have it taken back months later with no warning. They never sent alerts that I was short of the spending requirement, yet they emailed immediately to demand payment. Their customer service was robotic, unempathetic, and refused to take responsibility for misleading me. Truly disappointing.

Been a card holder for 32 years. Even had a Black card at one point prior to Superstorm Sandy. Now after the covid ordeal I have a low credit limit and have to pay off my card every time I use it in order to have access to it. I spend over 5K a month on an average. The complaint is multifold. Mainly that payment is made immediately as an electronic check form my banking account to AMEX. the funds are out of my account and starts as pending. Even when my bank reports it as posted, AMEX does not update their systems to reflect payment received and check used. They take an additional 4-6 business days to release a hold on the AMEX card use and line of credit. Once over the credit limit, they delay updating the account and ruin credit scores.

Their customer service is getting worse every day. It used to be personalized. Now everything is so automated that nothing makes sense. You pay your bill and get a notification a week later telling you that your bill was due a week ago. So you assume maybe your payment didn't go through. They tell you it was just a glitch. Don't worry about it. Fraud notifications for frequently used vendors. When you talk to customer service, they really don't care anymore.

I booked an AmEx platinum preferred hotel in Dublin, The Westbury. The hotel has major building work going on all day, the room was small, badly lit especially the bathroom, uncomfortable small bed. The room was not ready on check in. A list of Platinum benefits was read to me none of which was actually available on the day!! At check out I received a 25% discount but was told it was not their fault, "the booking agent Amex should have advised me, of building work, at time of booking". Why is this hotel on the platinum preferred list at the current time? Does Amex actually keep up to date reviews on their recommendations?

We always accepted AE at our retail store with no issues. Until one lousy customer bought a boat trailer before buying his boat. He hired us to do work customizing the trailer. We even registered the trailer in his name. After many weeks the customer left a voice mail saying he wanted a full refund. It turns out the boat purchase never went through. We offered him a way for a refund minus our actual costs involved so we wouldn’t lose money because of his altered plans. This was in spite of the fact that deposits and trailer sales are non-refundable.

Member since 2018. Just closed accounts. The customer service is horrendous!! Can't understand anything clearly out of country reps. This last time I was transferred 6 times each time being ask to repeat myself!

I’ve been with AMEX since 2005 and always contested that they have the best customer care until recently. In the past year, my interactions with customer service have been very disappointing to say the least. Each agent has been rude, unwilling to discuss what options best work for optimizing my card usage to take advantage of the points, condescending to not knowing best offers, hanging up the phone without polite etiquette, and deferring me to their website even after stating that the website didn’t have the information I was looking for. This by far has been the worst experience and it was much better when customer service was outsourced.

I wish I could give this negative five stars, even negative ten stars. This is such a joke of a company. Nothing but a bunch of ** and liars. Too much to go into detail. Just trust me when I tell you you should stay very far away so they don't lie to you.

I have been with American Express for my business for well over a decade with an okay experience. In the last year my payments don't go through, I am afraid to pay my bill, the money just disappears into a black hole vortex & I get late fees & forget about trying to get help with customer service, no one is home there!!! I submitted complaints to the consumer protection bureau & you should, too!!!!

I made a payment and then received an email stating the payment didn't go through. So I made another payment that they received just fine. Then 5 days later they decided to reprocess the original payment after I had already made a payment. They stole an extra payment from me. Don't trust this company. They are thieves and liars. Update: Now that I have made 2 payments in 5 days. One of them you stole, you put a hold on my account I've sent almost $200. The original payment was $95 and I still can't use my card. Worst credit card provider and customer service. DO NOT TRUST THIS COMPANY.

While there are a great deal of useful incentives and value in utilizing AMEX cards, you must be careful with the high interest rates and the hidden fees. The rates are publicly spelled out but the hidden fees are not. I was recently charged three $29 returned fees for electronic payments I was trying to establish. Anyone who has done this know how challenging the process can be. I even had to call customer service to get assistance.

I’ve been a loyal customer for years! I always post on time if not the entire balance. I had 20k limit. I wasn’t even halfway and they cut it to 7500 leaving me at a deficit. This is horrible business practices. I will pay them, cancel my card and make them viral on social media! Spread the word!!!! ** off big Amex. Taking advantage of people of people!!

We were charged from prime for something we did not order. They said we were out of luck and they can charge us and we can't dispute them so we stopped business with them. With so many fees with credit charges there should be more service.

After 14 years as a loyal customer, I’ve had one of the worst experiences with American Express this past week. A payment from my checking account was rejected due to a security feature on American Express’s side. Even after calling my bank with them on the line and confirming the funds were available, American Express decided to cancel my credit card, slash my limits, and restrict both my personal and business accounts without notice.