American Express Platinum Card credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 American Express Platinum costs €65/month, and from 1.11.2026 the price rises to €75 a month. It is a payment card without credit, and includes an extensive lounge network, Fast Track and comprehensive travel insurance.
Effective annual interest rate (APR)
0.00% effective annual interest rate (APR)
On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €10,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed." The calculation is from 2024, and the membership fee has not been taken into account in it.
The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
The cap on consumer credit interest is 17.50% for the period 1 July 2026-31 December 2026. See the interest rate cap and its sources.
American Express Platinum Card: price
| Monthly price | €65.00/month |
|---|---|
| Annual price | €780.00/year |
| Terms affecting the price | Membership fee €65/month (€780/year); from 1.11.2026 €75/month (€900/year). The Platinum parallel card is included. October Members Month promotion: 100,000 Amex points when applying by 3.11.2026, subject to conditions. |
| Who can apply | American Express's card pages do not publish an income limit. The card is granted on the basis of a credit assessment, and because of the positive credit register a purchase limit is set on the card at the application stage. Issuer American Express Europe S.A. (Madrid). |
Credit terms
| Interest rate | 0.00% |
|---|---|
| How the interest is set | A payment card with no credit option: the bill is paid in full monthly, and no interest or handling costs are charged. Late-payment interest after the due date. |
Benefits
| Travel insurance | Particularly comprehensive travel insurance for the whole family; insured amounts in the Platinum insurance terms. |
|---|---|
| Lounge | American Express Global Lounge Collection: 1,550+ lounges, the Pier Zero restaurant at Helsinki-Vantaa, Fast Track, Lounge on-the-go. |
| Withdrawals abroad | Cash withdrawal charge 4% of the amount withdrawn, at least €4.25/withdrawal. |
| Currency conversion markup on card payments | 2.20% |
| Purchase protection | Payment security and insurances according to the Platinum terms; no separate maximum amount for purchase protection is stated on the product page. |
|---|---|
| Cashback or points | Membership Rewards: 2 Amex points/€ on all purchases and 4 points/€ with selected flight and hotel partners; points can be transferred to eight flight or hotel partners. According to Amex, the average accrual of current members corresponds to 1.54 Finnair Avios/€. |
| Other | Dining by Amex dinner for two every other month, car rental benefits, 3 Member Invites. |
Related guides
- Premium accounts and cards compared
- Bank packages compared
- OP Platinum
- Danske Bank Mastercard Gold Credit/Debit
- American Express Gold Card
Sources
- American Express Platinum Card (Suomi)retrieved 16 October 2026
- American Express: Kaikki yksityiskortitretrieved 16 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Pankkitutka has no advertising links for credit products: the links always go to the provider's own site.
Frequently asked questions
How much does American Express Platinum Card cost?
In October 2026 American Express Platinum Card costs €65.00/month, annual price €780.00/year. Membership fee €65/month (€780/year); from 1.11.2026 €75/month (€900/year). The Platinum parallel card is included. October Members Month promotion: 100,000 Amex points when applying by 3.11.2026, subject to conditions. Effective annual interest rate (APR) 0.00% (example: On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €10,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed." The calculation is from 2024, and the membership fee has not been taken into account in it).
What is the effective annual interest rate (APR) of American Express Platinum Card?
In October 2026 American Express Platinum Card: Effective annual interest rate (APR) 0.00% (example: On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €10,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed." The calculation is from 2024, and the membership fee has not been taken into account in it). The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
What benefits does American Express Platinum Card include?
In October 2026 Travel insurance: Particularly comprehensive travel insurance for the whole family; insured amounts in the Platinum insurance terms. Lounge: American Express Global Lounge Collection: 1,550+ lounges, the Pier Zero restaurant at Helsinki-Vantaa, Fast Track, Lounge on-the-go. Cashback or points: Membership Rewards: 2 Amex points/€ on all purchases and 4 points/€ with selected flight and hotel partners; points can be transferred to eight flight or hotel partners. According to Amex, the average accrual of current members corresponds to 1.54 Finnair Avios/€. Currency conversion markup on card payments: 2.20%. Effective annual interest rate (APR) 0.00% (example: On American Express's page: "The effective annual interest rate (APR) calculated for a credit in use of €10,500 is 0% (03.2024). The interest rate is 0%. The calculation has been made assuming that the customer uses an e-invoice, that no cash withdrawals or purchases requiring currency exchange have been made and that the credit is repaid in full in one payment as agreed." The calculation is from 2024, and the membership fee has not been taken into account in it).