The Amex Platinum card is widely recognized as one of the most prestigious premium credit cards, offering luxurious perks like lounge access, travel credits, and concierge services.
However, with its hefty annual fee of $695, it’s clear that the card is geared toward high-spending frequent travelers. Still, not all cardholders feel that the benefits justify the cost.
To get a better sense of how people really feel about the Amex Platinum, we looked to Reddit, where users frequently share their experiences in various discussions.
Amex Gold Card On Reddit: Most Popular Threads
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Mixed Feelings About The Amex Platinum’s $695 Annual Fee
One of the most common topics among Reddit discussions about the Amex Platinum card is its hefty annual fee of $695. Many users express mixed feelings, with some seeing it as a barrier and others as a worthwhile investment for certain benefits.
In the discussion “Is anyone thinking of keeping their Amex Platinum card?,” Patmcpsu explains, “The credits simply give me more than the annual fee, the other perks are nice, and it feels baller to have the card in my wallet,” with 74 upvotes.
In the thread “Amex platinum's benefits are overhyped and similar travel cards seem to be less worth it,” user kenzakan (21 upvotes) addresses the fee’s perception, stating, “If you divide the $700 over 12 months, it's less than $60 a month. People spend way more on DoorDash in 1 week than this.”
However, in the thread titled “How much do you like or dislike your Amex platinum card?,” user MadeInAmericaWeek mentions, “Annual fee just hit, and as soon as my clear fee is reimbursed, it’s done. Too pricey for not enough bennies right now, for me,” which earned 11 upvotes.
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Lounge Access and Travel Perks: Reddit's Verdict
Lounge access is one of the Amex Platinum card's standout features, but Redditors have mixed feelings about its effectiveness.
In the thread titled “Is anyone thinking of keeping their Amex Platinum card?,” user JeffSharon (125 upvotes) discusses the disappointment with Delta Sky Clubs, noting that even with a reduction in visits, he comes out ahead with credits like Uber and Saks, highlighting that the card is still worthwhile for some.
mjbulzomi (25 upvotes) comments, “I have entered a SkyClub with my Platinum exactly one time in 4+ years of holding the card,” emphasizing that access isn't always frequent.
In “Is Platinum even worth it for travel anymore?,” S3NTIN3L_ raises the issue of overcrowded lounges, citing a 90-minute wait during recent travels. User CIAMom420 (60 upvotes) adds, “The vast majority of the overcrowding posts annoy the shit out of me,” pointing out that peak travel times naturally lead to crowded lounges.
The general sentiment on Reddit is that while lounge access is valuable, it's not without its challenges.
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Redditors Debate the Card's Travel Reward Points
The Amex Platinum card's rewards system, particularly its travel reward points, sparks considerable debate on Reddit.
In the discussion “Amex platinum's benefits are overhyped and similar travel cards seem to be less worth it,” user DrMrProfessorPawsCaT questions the value of the travel portal, noting, “I don’t see how people get value from the benefits… their prices are higher than if you just book direct.”
This sentiment, reflected in the thread's context, illustrates a broader skepticism about the card's actual value.
On the other hand, some users believe the card offers great value for the right person. PeteyNice (178 upvotes) defends it, saying, “The Plat is tremendous value for the right person,” noting that its benefits suit specific lifestyles.
Overall, Reddit users tend to agree that the Amex Platinum’s travel rewards aren’t for everyone. For frequent travelers or those making high-value purchases, the rewards can easily outweigh the annual fee.
However, for people who don’t travel often or aren’t as interested in the card’s other features, the reward points might not seem as appealing.
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Redditors Appreciate Amex Platinum Customer Service
Amex Platinum's customer service receives frequent mention in Reddit discussions, often praised for its responsiveness and support quality.
Many users appreciate the attentive service and how it adds value to the card. In the thread “Anyone actually uses Platinum card every day?,” user drax109 (454 upvotes) mentions, “The benefit of extending the warranty of those items, this is an extremely important perk.”
Overall, Reddit users generally view Amex Platinum's customer service positively. The responsiveness and willingness to assist with various issues contribute significantly to the card's appeal.
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The Amex Platinum as a Status Symbol: Reddit's Perspective
The Amex Platinum card is often viewed as a status symbol, and this aspect frequently appears in Reddit discussions. Many users admit to owning the card partly for the prestige associated with it. In the thread “Why do you have the Amex platinum?,” Jesture4 (23 upvotes) candidly remarks, “Status symbol I can’t afford,” highlighting the aspirational aspect of owning the card.
User kenzakan from the “Amex platinum's benefits are overhyped and similar travel cards seem to be less worth it” thread (21 upvotes) questions the perceived status, stating, “What makes you think owning an Amex Plat means you're rich?”, which emphasizes that the card's prestige might be more about perception than actual wealth.
In “What do you actually use your Amex plat for?,” bryanh12345 (51 upvotes) humorously admits, “I just swipe it when I'm insecure about my social standings and feel the need to flex on the lower classes,” illustrating how some cardholders use it as a social tool.
Overall, Reddit users acknowledge that the Amex Platinum card carries a certain prestige and allure.
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Everyday Usage: What Reddit Thinks
The Amex Platinum card's everyday usage is a debate among Reddit users, with many questioning its practicality for daily spending.
In the thread “Anyone actually uses Platinum card every day?,” staroceanx raises the question, “Does Amex actually expect people to be using this card on everyday spend?” This reflects a common sentiment that the card's benefits are not geared toward daily purchases.
Some users find specific everyday uses for the card. For example, drax109 (454 upvotes) mentions using the card for non-food purchases to take advantage of extended warranties.
In contrast, Miserable-Result6702 from “Is Platinum even worth it for travel anymore?” (53 upvotes) critiques the card's appeal to younger demographics, stating, “It seems more geared as a Gen Z ‘must have card' now.”
Overall, Reddit users generally agree that the Amex Platinum card is not ideal for everyday spending.
