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

Good question — a lot of people mix these two up. The main difference is that the Platinum Reserve works like a regular credit card with a set limit and flexible payments, while the Platinum Charge card is more premium and usually requires you to pay the full balance each month. The charge card also tends to come with stronger travel perks and lifestyle benefits.

It really comes down to whether you want flexibility or higher-end perks.

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