American Express Platinum Credit Card Online
Information

If you are looking for an American Express Platinum Credit Card, online information is readily available. Card features, benefits and fees are detailed to make it easy for you to compare the various types of cards offered. Once you become a cardmember, American Express also has a full array of online customer services.

Types of American Express Platinum Credit Cards

American Express has a wide variety of platinum cards, each with a different set of benefits. The card choices range from a card with a $450 annual fee and extensive membership benefits to cards with no annual fee and more limited membership benefits.

American Express Platinum Card

The American Express Platinum Card is a charge card, not a credit card. This means that you must pay your bill in full each month – your balance cannot be carried over to the next month. It is designed for people who don't want to carry cash or checks and who want the convenience of all expenses being listed on a monthly statement. Cardholders must have excellent credit histories and high incomes to qualify. There is no pre-set spending limit. Each purchase is approved based on your spending, payment and credit histories.

The $450 annual fee entitles members to free or reduced cost access to many resources and benefits including:

• Fraud protection guarantee – Protects against any unauthorized charges
• Purchase protection – Coverage against theft, accidental damage or loss up to $10,000 per occurrence
• Return protection – Guaranteed refunds up to $300 per item, up to $1,000 per card account annually
• Buyer's Assurance Plan – Warranty extensions up to an additional year
• Year-end Expense Summary – Annual itemized list of all charges
• Concierge service – Personal and professional assistance
• By Invitation Only events – Exclusive access to sports, fashion and dining events
• Exclusive retail, hotel, resort and cruise amenities – Participate in purchase reward programs from luxury retailers including room upgrades and hotel amenities
• Membership Rewards First program – Premium retail, lifestyle and travel rewards
• Global Assist Hotline – Worldwide access to English-speaking medical and legal professionals 24 hours a day, 7 days a week
• Airport club access – Free access at participating airline clubs
• Complimentary companion tickets – Free second ticket with full-fare first-class or business-class tickets
• Platinum travel services – Premium car rental memberships, car rental insurance, travel accident insurance, baggage insurance and travel planning to one-of-a-kind destinations

Optima Platinum Card

The Optima Platinum Card is a credit card that gives the cardholder the potential of a high spending limit as well as the choice of paying their bill each month or carrying a balance. There is no annual fee for the card and there is a promotional APR of zero percent for the first six months. Other benefits include:

• A rewards program – You earn points for every dollar spent using the card. The points can be redeemed for music, travel and more.
• Fee-free balance transfers – You can transfer balances from higher rate credit cards with no transfer fee.
• Year-end Expense Summary – Annual itemized list of all charges
• Buyer's Assurance Plan – Warranty extensions up to an additional year
• Fraud protection guarantee – Protects against any unauthorized charges
• Purchase protection – Coverage against theft, accidental damage or loss up to $10,000 per occurrence
• Return protection – Guaranteed refunds up to $300 per item, up to $1,000 per card account annually
• Platinum travel services – Car rental insurance and travel accident insurance

Partner Cards

American Express also issues platinum cards as part of their partnership programs with several major retailers. Each card has a different assortment of benefits such as travel benefits, cash rebates, travel miles and usage points:

• Costco Platinum Cash Rebate Card
• Hilton HHonors Platinum Credit Card
• Platinum Delta SkyMiles Credit Card
• Fidelity American Express Platinum Card

American Express Platinum Credit Card Online Information

American Express Platinum credit card online information includes several features that are designed to make it easier for you to manage your credit card expenses, payments and recordkeeping:

• Card activity review – Review your card activity since your last statement
• Statement review – Review prior statements, and automatically sort them by date, merchant or amount
• Compatibility with money management programs - Download your credit card transactions to software programs like Quicken and Money
• Printable, formatted statements – Billing statements available in a PDF format
• Payment scheduling – Schedule a future card account payment
• Online point support – Quickly check and redeem Membership Rewards® points
• Alert set-ups – Set up payment due reminders and other alerts

Safeguard Your Online Security

Using your credit card to purchase online and having access to online customer service makes it easier to complete tasks at a time that is convenient for you. Online convenience can also come with the risk of unauthorized access to your card and personal information. American Express has built online privacy safeguards to protect your confidential information. You should always stay alert for unauthorized use of your card. Check a website's security policies before providing your account number. Be sure to review your monthly statement for unauthorized transactions and immediately report to American Express any transactions you don't recognize.

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