Fees and rates as stated on americanexpress.com on 2026-10-29. Rates, fees and terms change; check the provider's site before you apply or open an account.
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A large purchase on their brand-new Amex Platinum was declined; Amex said new accounts have a lower spending limit until there's more activity.
“I'd assumed the Platinum's "no preset spending limit" feature would cover this, but it looks like new accounts are still restricted early on”
Started with the Capital One cards but found Amex far better for them; loves the Platinum's perks and books almost all hotels through Fine Hotels + Resorts.
“Amex proved to be far superior for me. I love the Perks with the Plat. FHR is pretty much all I use for hotels now.”
Takes a few pricey vacations a year and finds the Amex Platinum perfect for them, mainly for expensive hotel stays.
“It’s perfect for me as a “few vacations a year traveler” because those vacations are pricey, and AmEx Platinum shines best for pricy hotel stays.”
Left the Amex Platinum for the Venture X because they didn't use enough of the Platinum's credits to justify its annual fee.
“So I decided to go to Venture X from Amex platinum. I don’t use all the credits that platinum covers so the annual fee was a little steep for me.”
Finds the Amex Platinum's fee steep but has had better merchant-dispute experiences with Amex than with Chase, and finds lounge access solid.
“I've had a lot better experiences with Amex when it comes to merchant disputes than Chase.”
Had the Amex Platinum for a while but found it a coupon book of credits they didn't care much about, only breaking even on the annual fee.
“Got Amex Plat sometime before I downgraded CSR so I had both for a while, but it was too much of a coupon book and I felt like I was pretty much just breaking even on the AF”
Uses the Amex Platinum for travel and gets a lot from it on every vacation, especially free hotel room upgrades.
“I’ve gotten SO much “value” out of my card at every vacation - free room upgrades at Four Seasons will get me 10x the worth of its annual fee in just one trip.”
Downgraded their Chase card and moved to the Amex Platinum, and has been happy with the switch.
“I downgraded to the “classic” sapphire which has 0 perks & have been happy with my switch to Amex platinum.”
Holds the Amex Platinum and Sapphire Reserve and uses both equally; abroad Amex is accepted less, though Apple Pay sometimes works where the physical card doesn't.
“Overseas yes Amex is accepted less however sometimes when using Amex via applepay it will go thru when using the physical card never will”
Has the Amex Platinum but finds Amex acceptance hit and miss abroad, so uses a Chase Visa as their main card internationally.
“I'll be downgrading to CSP and using it for 2x travel plus my primary international card since AmEx is so hit and miss.”
Plans to drop the Platinum before its annual fee: the credits feel like a coupon book they can't justify, and they prefer the Gold since they don't travel often.
“Amex Plat is most likely leaving, can’t justify this coupon book and I prefer the Gold more to be fair.”