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Use our Best Rewards Credit Card Finder Tool to find the highest credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly spend amounts you enter.
If you frequently travel and you're looking for top-tier benefits such as global lounge access and worldwide travel insurance, The Platinum Card is one of the best credit cards to have in the UK.
Earning Rewards
The American Express Platinum Card earns Membership Rewards points at the following rates:
2 points for every £1 spent on amextravel.co.uk.
1 point for every £1 spent on all other purchases.
Rewards Value
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Perks & Benefits
The Platinum Card features a long list of benefits. Here are some of the best benefits of the card:
American Express Global Lounge Collection: Enjoy access to over 1,400 airport lounges worldwide which includes Priority Pass lounges, Plaza Premium Airport lounges, Delta SkyClub Lounges (when flying Delta), American Express Lounges (including Centurion Lounges) and Eurostar Business Premier Lounges.
£300 in Global Dining Credits: Receive up to £150 in statements credits to spend in the UK per year, and a further £150 to spend abroad. (Ends 31 December 2024)
£100 Harvey Nichols Credit: Enroll and get up to £50 back every six months when spending online and in-store with Harvey Nichols.
Fine Hotels + Resorts: Book stays through Fine Hotels + Resorts and receive complimentary benefits including daily breakfast for two, guaranteed 4pm late check-out, room upgrade upon arrival (when available), noon check-in (when available), and a unique property benefits.
The Hotel Collection: Stay two or more consecutive nights at participating properties with The Hotel Collection and receive up to $100 USD hotel credit, a one-category room upgrade at check-in (when available), 12pm check-in (when available), and late check-out (when available).
Complimentary Hotel Elite Status: Enjoy complimentary status with Hilton and Marriott. Enrollment required.
Complimentary Car Rental Status: Enjoy complimentary status with Hertz and Avis along with up to a 15% discount on car rentals. Enrollment required.
Travel & Purchase Insurance: Comprehensive Worldwide Travel Insurance (includes Travel Medical Insurance, Trip Cancellation Insurance, Trip Delay Insurance, Trip Interruption Insurance, Lost / Stolen / Damaged Personal Belongings Insurance, Rental Car Insurance, and Travel Accident Insurance), Purchase Protection, and Refund Protection.
Transfer Partners
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Card Fees
Annual Fee
The Platinum Card has a £650 annual fee.
If you're able to use the £400 in annual credits, you'll be able to knock down the effective cost a good bit.
If you can't make use of the credits, the card still offers exceptional value that far exceeds it's annual fee in my opinion. The lounge access, benefits through Fine Hotel + Resorts and The Hotel Collection, complimentary elite status, and travel insurance are all quite valuable.
Of course, how valuable these are depends on how you travel and how often you travel. If you can't make use of the card's main benefits, then the annual fee will be a painful pill to swallow.
Authorized User Fee
The first Platinum supplementary card is provided at no additional charge. All additional Platinum supplementary cards will cost £285 per card, per year.
Outside of the annual credits, Platinum supplementary cardholders receive access to most of the main benefits of the card. This includes Global airport lounge access, the ability to enjoy benefits through The Hotel Collection and Fine Hotels + Resorts, their own complimentary elite status with hotels and car rental agencies, and access to the top-notch insurance the card offers.
Non-sterling Purchase Fee
The Platinum Card has a non-sterling purchase fee of 2.99%. This means that you will be penalized when using this card to make purchases that are not in Pound sterling.
AMEX Points Calculator
Input your monthly and yearly spend to see how many AMEX points you can earn with the The Platinum Card UK. Compare the results side by side up to two credit cards to find out which cards are best for you.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.
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Credit Cards
Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.
Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.
Clicking on Add Selected Card will add it to the calculator.
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Search Cards
Search for a credit card by name, rewards program, or the rewards currency it earns.
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Family Cards
These cards are part of the same family and generally earn the same type of rewards.
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Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
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Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
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Business Cards
Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.
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Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
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Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
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No Annual Fee
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards & Cash Value
This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.
You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
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Learn More
Learn more about the card through our partners.
Earn cash back shopping online with thousands of retailers using TopCashback.
Redeem rewards towards gift cards and receive bonus cash back with retailers like Tesco, Sainsbury, Morrisons, M&S, Boots, and many more.
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