American Express Platinum – How to apply

This credit card offers convenience, security and financial versatility for all your users.

Explore the full power of Platinum American Express cards with this passport to a sophisticated lifestyle full of exclusive advantages. 

Whether for those looking to transform everyday expenses into memorable experiences or for those who value access to premium services, this card meets the most demanding expectations.

With it, you can accumulate double points when dining at the best restaurants in the United States, guaranteeing incredible rewards for every expense. 

Additionally, access to luxury properties through the Fine Hotels & Resorts program offers unparalleled lodging experiences around the world. 

And to top it off, coverage for unforeseen events during travel provides peace of mind in unexpected moments, such as flight delays or cancellations.

How does the Amex Platinum Card work?

The Amex Platinum is a credit card aimed at demanding consumers who want to maximize their consumption, travel and leisure experiences. 

It works as a premium tool, allowing its users to accumulate points through the Membership Rewards program, which can be used to redeem a wide variety of rewards.

When using it, you have the possibility of accumulating two points for every dollar spent at restaurants in the United States, which increases your rewards potential. 

These points can be exchanged for airline tickets, hotel stays or exclusive products. 

In addition, the card offers access to VIP lounges at airports, personalized concierge service and travel insurance that guarantees protection against unforeseen events.

When using the card Amex Platinum, it’s important to understand that it primarily stands out in categories that reward a more sophisticated lifestyle. 

Therefore, making the most of it requires planned and strategic use, especially in spending categories that generate greater returns.

Main benefits of Amex Platinum Card

The Amex Platinum It brings a series of benefits that make it a unique card on the market. One of the main highlights is the program Membership Rewards, which offers two points for every dollar spent at restaurants in the United States. 

This benefit is ideal for those who appreciate good cuisine and seek to transform expenses into valuable experiences, such as exclusive trips or purchases.

Another major attraction of the card is the programa Fine Hotels & Resorts, which offers users the opportunity to stay at more than 1,100 luxury properties around the world. 

In addition to exclusive rates, you can enjoy room upgrades, early check-in, free breakfast and credit to spend during your stay, creating a truly unparalleled travel experience.

Additionally, the card guarantees coverage for travel inconveniences, such as flight delays and cancellations. 

With coverage of up to US$250 per day, you have the necessary security to deal with unforeseen events without worry, as long as expenses are paid with the card. 

Cons of Amex express Platinum Card

Although the Amex Platinum is a card full of benefits, it is not suitable for all consumer profiles. 

Its high annual cost is one of the main challenges, as the annual fee may seem high for those who do not use premium services frequently.

Another point to consider is that many of its benefits are aimed at travelers and consumers who attend luxury experiences. 

For those with a more basic consumption profile or who do not travel regularly, the card may not offer the expected return in relation to the cost.

Finally, the approval process can be more demanding, as it requires a solid credit history and proof of high income. 

APR and Fees

The Platinum Card features costs that reflect its premium card status.

When it comes to APR (Annual Percentage Rate) or interest rate, Amex Platinum remains competitive in the market.

However, as with any credit card, it is essential that users avoid carrying outstanding balances to avoid facing significant financial charges.

The card also offers fee waivers on international transactions, making it an advantageous choice for those who frequently travel or shop abroad.

The annual fee, free in the first year until December 30, 2024, becomes 12 installments of R$145.80, totaling R$1,749.60 annually from the second year onwards.

This value may seem high, but it is justified by the wide range of benefits and services offered, which include access to VIP lounges at airports, points accumulated on purchases, and a concierge service available 24 hours a day.

How to apply for the Card Amex Platinum

Request the Amex Platinum It is a simple and straightforward process. It all starts by filling out an online form on the official American Express website, where you enter information such as personal data, monthly income and financial history.

After submitting the request, the institution carries out a detailed credit analysis to assess your eligibility. 

This process, usually quick, checks whether you meet the criteria necessary to obtain the card, such as good financial history and ability to pay.

Once approved, you will be able to activate your card and start enjoying its benefits immediately.