American Express Credit Card Reviews

You cannot get an SPG credit card with 50,000 bonus points, as there is no SPG credit card available on the market right now.

Marriott acquired Starwood and the Starwood Preferred Guest program was merged with Marriot's loyalty program. So it's definitely worth taking a look at some of the best Marriot credit cards instead.

It's also worth checking out some of the best hotel credit cards if your travels take you to other hotel chains. And if you're a frequent traveler who doesn't want to be tied to a specific chain of hotels and resorts, it's worth taking a look at some of the best travel credit cards on the market. These could save you just as much at the same hotels, while giving you more redemption versatility for your travels.

To dispute an American Express charge, log in to your American Express account online and search for the transaction to dispute, or call American Express customer service at 1 (800) 528-4800. Alternatively, the address to dispute a charge by mail is:

American Express Customer Service
P.O. Box 981535
El Paso, TX 79998

American Express disputes are typically resolved within 30 days, though more complex issues may take a little longer.

How to Dispute a Charge on an American Express Card Online

1. Log in to your online account.
2. Click Open a Billing Dispute.
3. Search for the transaction in question.
4. Select the transaction for more details.
5. Click on the Inquiry & Dispute Center to open an inquiry.
6. Check for a confirmation e-mail from American Express verifying receipt of the inquiry.

Before you dispute a charge through American Express, you should first contact the merchant associated with the charge on your American Express card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with American Express.

Once you've initiated the dispute, American Express will then contact the merchant and review any information provided by both parties. You won't be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your American Express card as you normally would while a dispute is ongoing.

American Express will notify you of the outcome of the dispute after they've completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.

Yes, Amex Platinum is worth it for travelers with good credit who spend a lot and can take advantage of the card's benefits. Amex Platinum benefits include a TSA PreCheck or Global Entry fee credit, airport lounge access, up to $200 in Uber credits and up to $200 in airline fee credits annually, and more. The card's initial bonus of 100,000 points after you spend $6,000 in the first 6 months also goes a long way toward making the card worth its $695 annual fee.

For the first year alone, you could wind up with at least $1,800 in net value (rewards and other perks, minus the $695 annual fee). The American Express Platinum card's second year will have the same annual fee, but the total value of your benefits in year two would only be about $900 if you spent the same amount on the card as year one.

To really make money with this card after the first year, you'd have to spend a lot more. That said, many of the card's perks are ongoing. You'll benefit more if your purchases qualify for Amex Platinum's ongoing bonus rewards rates, and if you utilize Amex Platinum's complimentary Gold status in the Marriott Bonvoy and Hilton Honors hotel loyalty programs.

All in all, Amex Platinum is a good card for big spenders who travel all the time and can wring every drop of value out of its benefits. But it's far too expensive for light spenders and occasional travelers.

The American Express Platinum travel phone number is 1 (800) 297-2977. This is the American Express Travel customer support number for all American Express cards. Live customer service representatives are available to book travel arrangements and answer travel-related questions 24 hours a day, 7 days a week. If you are calling from outside the U.S., the American Express Platinum travel phone number is 1 (312) 980-7807.

When you call American Express Travel, you will be able to book entire travel packages or just flights, hotel rooms, cruises and rental cars. You can also redeem rewards for travel directly rather than transfer them to airline or hotel partners, and there are special deals with Delta Airlines for Amex cardholders who qualify. Plus, if needed, you'll be able to cancel or reschedule any travel arrangements previously booked through the travel center.

American Express Platinum also offers a concierge service that can help with your travel arrangements. This service can assist you with booking tickets to live events, dinner reservations, event planning and more, too. To access this benefit, call 1 (800) 525-3355.

The main American Express Platinum card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.

American Express Platinum card Requirements

• At least 18 years old
• Physical U.S. address (no P.O. boxes)
• Proof of enough income to make the monthly minimum payment
• Social Security number or ITIN
• Good credit or better

If you apply for the American Express Platinum card, it's important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.