Platinum Edge Credit Card card image

American Express Platinum Edge Credit Card

Advertiser disclosure
Purchase rate
23.99% p.a.
Balance transfer rate
No current offer
Annual fees
$195 $0 in the first year
Interest free days on purchases
55
Go to site

Mozo editorial review American Express Platinum Edge Credit Card - last updated: 24 August 2023

binocular icon
What's hot
  • $200 travel credit each year (terms and conditions apply)
  • Complimentary insurance perks
  • 55 interest-free days
What's not
  • 23.99% p.a. purchase rate
Mozo snapshot

The Platinum Edge credit card from American Express is packed full of platinum features that will appeal to a range of people. From uncapped points earning to complimentary travel perks, the Platinum Edge has plenty that will impress. Plus, you will score $200 worth of travel credit each year which can be used on eligible flights, hotels or car hire when booked through American Express Travel (T&Cs apply).


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Key features

Card Members can earn points aplenty with Amex's 3-2-1 system: that's 3 points per dollar at major supermarkets and petrol stations, 2 points per dollar on overseas and online spend and 1 point per dollar for everything else (including utilities, telecommunications, insurance and government spend).

With access to nine different frequent flyer programs, plus merchandise and gift options, the American Express Platinum Edge is truly flexible bling. 

Plus you'll receive 24-hour service and free additional cards, perfect if you want to enlist your other half to rack up points, too. The American Express Platinum Edge card also comes with complimentary insurances including an extended warranty and purchase cover.

Finally, if you're a new member that applies online and are approved, you could nab a $0 Annual Card Fee (usually $195).

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Who is it good for

Those who want to dip a toe into the platinum credit card lifestyle - and a bit of jetsetting on the side, without having to pay a huge annual fee. If you have the discipline to use your credit card for daily expenses plus your necessary splurges - without going over the edge - the American Express Platinum Edge card makes reward points easy to accumulate.

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Any catches

It's easy to be distracted by all the points and platinum treatment being thrown your way, but the 23.99% p.a. interest rate on purchases will cause some platinum pain if you aren't the type to pay off your monthly bill. Fortunately, you'll have 55 interest-free days to undo any damage you've done along the way. Also, keep in mind that there is a $6 dishonour fee and a $30 late fee. 

Rewards program details

Rates and fees information correct as at 27 May 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you
Fly Sydney to London return

239,200 points

Fly Sydney to Melbourne one-way

15,600 points

$100 Giftcard

20,000 points

$100 Cash

20,000 points

Points earning

1 point per dollar on Amex, uncapped

Rewards scheme

Transfer points to 11 airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

Transfer your points to 11 airline programs or book direct with your dedicated travel service or travel agents including Harvey World Travel and Webjet.

Earn 3 points per $1 at major supermarkets and petrol stations, 2 points per $1 on overseas spend, and 1 point per $1 on government, utilities, insurance and telecommunications.

Receive a $200 Travel Credit each year booked online with American Express.

Value of rewards points

Spend $20,000 (Amex)

Spend $20,000 (Amex)

Spend $15,600 (Amex)

Spend $239,200 (Amex)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

23.99% p.a.

none

No current offer

no

none

55

Fees

$195.00

$0 in the first year

none

none

$30.00

2%, min $2.50

3.00%

$10.00

$7.00

$0.00

Features

$30.00

2.5

up to 4

none

Payment options

Apple Pay, Google Wallet, Samsung Pay

Rewards privileges

Extended Warranty,
Account alerts by SMS,
Card Purchase Cover ,
Travel Inconvenience Cover

Other benefits

Receive $200 to spend on eligible flights, hotels, car hire each year when booked through American Express Travel. Smartphone Screen Cover for smartphone screen repairs up to $500.

Customer Reviews

How are American Express credit cards rated by the Mozo community?

Overall
6.6/10
Price
5.5/10
Features
6.8/10
Customer service
6.7/10
Convenience
5.8/10
Trust
6.9/10
Based on 926 American Express credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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