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American Express · Membership Rewards · Credit card
LiveAmerican Express® Platinum Reserve Credit Card
A $395 annual fee and a 23.99% p.a. purchase rate as of 18 September 2026. The fee ranks 89th lowest of 100 cards tracked by BankMate. There is no sign-up bonus on offer.
Annual fee over time
Annual fee- American Express® Platinum Reserve Credit Card
Changes
No changes recorded for this product since tracking began on 13 September 2026.
Fees
- Annual fee
- $395
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Late payment fee
- $30
Earning
- Rewards program
- Membership Rewards
- Government spend
- 1 pts per $
Interest
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
Perks
- Airport lounges
- International
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
- Concierge
- No
- Network
- Amex
Eligibility
- Minimum credit limit
- $3,000
About this product
The American Express Platinum Reserve Credit Card is the ideal companion to your Charge Card, giving you the flexibility of a Credit Card, complimentary Travel Insurance and Membership Rewards points.