What is the difference between the AMEX Platinum reserve card and the AMEX platinum charge card?

The AMEX Platinum Reserve is a credit card, meaning it has a credit limit and allows for installment payments, while the AMEX Platinum Charge is a charge card, which typically requires the full balance to be paid off monthly.

The Charge card offers significantly higher-tier perks, like more extensive lounge access, travel credits, and concierge services, but it also comes with a much higher annual fee. The Reserve card still offers decent travel and dining benefits but at a more accessible fee point.

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The AMEX Platinum Reserve is a credit card with rewards and annual fees, while the Platinum gbwhatsapp Charge Card offers premium benefits, higher fees, no preset spending limit, and concierge services.