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Forums Payment cards American Express Amex Platinum Early Cancellation

  • Stephie 5 posts


    I am considering whether the Amex Platinum would be worthwhile taking out. My husband and I have a big Asia trip planned this summer so would benefit from the Lounge access (including the Cebturion lounge in HKG) plus a few other perks. I’m also aware that if I apply quickly I’d benefit from a HN credit in June and then again in July. It is unlikely I could justify the card fee for a full 12 months. Are you able to take out the card, use for a few months and then cancel without paying the full £650?

    Any advice appreciated. Thanks!

    NorthernLass 8,482 posts

    At present you can cancel the card for a pro rata refund of the fee but Amex does appear to be intending to change this at some point. If you look through the Amex threads there’s quite a bit of discussion.

    Also check the Ts and Cs as a new applicant.

    Stephie 5 posts

    Thank you!

    alma 17 posts

    Hey Stephie,

    is right in practice. I’d just note that in a way you are taking a risk as “in theory” i.e. as per the T&C there is not much that would guarantee for you to get a refund pro-rata. That said, it definitely will work in practice until at least November, so well after your trip. Many are doing this and some even bank a nice retention bonus before cancelling the next day.

    Hbommie 218 posts

    As others have said yes you’re correct currently.

    If you’d like to show HfP’s some love you could apply via Rob’s link.

    Stephie 5 posts

    Really useful information. Thank you both! I already have a referral link but thanks for offering – the advice is much appreciated.

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