American Express The Platinum Card
The metal Amex for high earners: Livelo point accrual, Centurion lounges and one of Brazil's most complete travel packages.
Overview
The American Express The Platinum Card, issued in Brazil by Bradesco on the American Express network, is a premium metal card aimed at high-income customers. Its main draw is accelerated point accrual in the Livelo program (the platform operates as 'American Express Rewards by Livelo'): 2.2 points per US$ 1 spent in Brazil and 3.0 points per US$ 1 spent abroad, with points that do not expire while the card is active. Sophisticated in service and experiences, it delivers a 7-day-a-week concierge, the Fine Hotels & Resorts luxury program, hotel elite status and a robust travel insurance package. There is a metal version, usually by invitation, and a plastic version available through the bank's channels; some benefits (such as VIP lounge access and Priority Pass) vary between them.
Who it's for
Suited to high earners who travel internationally often, value premium VIP lounges (including The Centurion Lounge), hotel elite status and a genuine concierge, and who can direct high spending to maximize Livelo point accrual. Not ideal for those seeking easy annual-fee waivers or low maintenance cost.
Points earning
The card earns 2.2 Livelo points per US$ 1 spent on purchases in Brazil and 3.0 Livelo points per US$ 1 spent abroad. Accrual is based on the US dollar value, which benefits international spending. Points do not expire while the card is active. Promotional campaigns may raise earning (e.g., up to 4 points per dollar with a target), but are temporary.
Points program and transfers
Points are credited to the Livelo program, which operates the American Express rewards platform in Brazil. From Livelo, points can be transferred to partner airline programs such as LATAM Pass, Smiles and Azul Fidelidade, among others, and used for product and ticket redemptions. Livelo's rules, partners and transfer ratios may change; confirm current options before transferring.
Related promotions and news
Transfer bonuses and updates from the programs linked to this card, updated live.
Transfer promotions
Miles news
Annual fee and waiver rules
Bradesco often runs occasional campaigns of a free first-year annual fee and boosted earning (for example, up to 4 points per dollar) subject to a spending target. These offers are temporary and conditional; their availability and rules vary through the year. It is worth negotiating the fee at sign-up.
How to apply
The metal version is usually offered by Bradesco invitation to high-income clients. The plastic version can be requested through official Bradesco channels (website, app or branch) and via the American Express Brazil page. A credit analysis and proof of the required minimum income are needed.
Income or net worth range
Minimum income reported by specialized sources is around R$ 20,000.00 per month; confirm the current figure directly with Bradesco/American Express, as it may vary by credit policy.
Typical requirements
- Prove the minimum income required by the bank
- Pass Bradesco's credit analysis
- Be a Bradesco customer or open a relationship (where applicable)
- The metal version generally depends on an invitation
Ways to obtain
- Wait for a Bradesco invitation (metal version)
- Request the plastic version via the Bradesco website or app
- Apply through the American Express Brazil page
- Negotiate annual-fee and point-earning targets at sign-up
VIP lounges
The VIP lounge package is a strong point. It includes access to American Express The Centurion Lounges (sources diverge on whether access is unlimited or limited, and access typically requires same-day travel), Delta Sky Club (in the US, flying Delta), plus free and unlimited access to Bradesco Cartões lounges in Brazil and to W Premium Group and Ambaar lounges. The metal version usually includes 2 annual Priority Pass visits. Details vary between the metal and plastic versions; confirm with the issuer.
Network benefits
- American Express network with global acceptance and Platinum cardholder benefits
- Fine Hotels & Resorts program with room upgrade (subject to availability), breakfast and amenity credit (reports of about US$ 100)
- The Centurion Lounge and other exclusive American Express lounges
- American Express concierge 7 days a week
- Exclusive dining and retail offers and experiences (Amex Offers/experiences)
Insurance
- Travel medical expense insurance
- Virtual medical consultations during the trip
- Accidental death insurance while traveling
- Baggage insurance and travel-inconvenience reimbursement (reports of up to US$ 3,000)
- Original manufacturer extended warranty (reports of up to US$ 25,000 per year)
Travel protections
- Trip cancellation insurance
- Trip extension/prolongation coverage
- Companion coverage in case of hospitalization
- Rental car protection (per policy terms)
- Reimbursement for travel inconveniences (delays/baggage)
Airline benefits
- Delta Sky Club access in the US when flying Delta
- Earning in Livelo points transferable to airline programs (LATAM Pass, Smiles, Azul Fidelidade)
- Priority Pass on the metal version (2 annual visits, per sources)
Hotel benefits
- Fine Hotels & Resorts program with luxury benefits
- Hilton Honors Gold elite status
- Meliá Rewards elite status
- Radisson Rewards elite status
- Upgrades and courtesies at participating hotels (subject to availability)
Car rental benefits
- Hertz Gold Plus Rewards status
- SIXT Platinum status
- Rental vehicle protection per the card's policy
✅ Advantages
- High accrual, especially on foreign spending (3.0 points per US$ 1)
- Livelo points that do not expire while the card is active
- Excellent VIP lounge package, including The Centurion Lounge
- Elite status across several hotel chains and car rentals
- Fine Hotels & Resorts and top-tier Amex concierge
⚠️ Disadvantages
- High annual fee with no permanent waiver
- High minimum income (reports around R$ 20,000)
- Best benefits (metal, Priority Pass) often by invitation
- American Express network acceptance lower than Visa/Mastercard in Brazilian retail
- Information varies between versions and sources, requiring confirmation with the issuer
History of relevant changes
- American Express operates in Brazil in partnership with Bradesco, which issues the network's cards.
- The Platinum line is positioned as a premium high-income card, with a metal version (usually by invitation) and a plastic version.
- In 2025 and 2026, Bradesco ran campaigns for a free first-year fee and boosted earning (up to 4 points per dollar) subject to spending targets.
- Earning moved to Livelo, under the 'American Express Rewards by Livelo' brand.
Frequently asked questions
How many points does the Amex The Platinum Card earn?
It earns 2.2 Livelo points per US$ 1 spent in Brazil and 3.0 Livelo points per US$ 1 spent abroad. Temporary campaigns may raise earning (for example, up to 4 points per dollar with a spending target).
What is the annual fee and minimum income?
Sources diverge on the annual fee (reports between about R$ 1,749 and R$ 1,992). The minimum income cited by specialized sources is around R$ 20,000 per month. Confirm current figures with Bradesco/American Express.
Do points go to Livelo or to Membership Rewards?
In Brazil, earning is credited to the Livelo program, which operates the American Express rewards platform ('American Express Rewards by Livelo'). From Livelo you can transfer to partner airline programs.
Does the card give VIP lounge access and Priority Pass?
Yes. It includes Amex's The Centurion Lounge, Delta Sky Club (US, flying Delta), unlimited Bradesco Cartões lounges in Brazil and partner lounges; the metal version usually offers 2 annual Priority Pass visits. Details vary by version.
To which airline programs can I transfer points?
Via Livelo, points can be transferred to LATAM Pass, Smiles and Azul Fidelidade, among other partners. Livelo's ratios and partners may change; check current terms before transferring.
Sources consulted
Information gathered from official and specialized sources in 2026-07. Annual fee, income and rules change — always confirm on the issuer's official website.