American Express — Carta Platino vs Carta YOU — Advanzia Bank
Carta YOU — Advanzia Bank starts ahead on fees: no annual fee versus €840 for American Express — Carta Platino. For spending abroad FX markup matters, and Carta YOU — Advanzia Bank does better (0% vs 2.5%). In our editorial rating Carta YOU — Advanzia Bank leads (4.0 vs 3.5). In short: American Express — Carta Platino if your usage matches its strength, Carta YOU — Advanzia Bank otherwise — the numbers above beat any slogan.
| American Express — Carta Platino | Carta YOU — Advanzia Bank | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.5 | ★ 4.0 |
| Network | American Express | Mastercard |
| Card type | Charge | Revolving credit |
| Backing | Unsecured | Unsecured |
| APR | Charge (pay in full) | 24.15% (variable) |
| Issuing bank | American Express | Advanzia Bank S.A. (Lussemburgo) |
| Issuance fee | Free | Free |
| Annual fee | €840/year | Free |
| ATM withdrawal | 3.9% | 4% |
| FX markup | 2.5% | 0% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Circuito globale American Express · carta a saldo premium travel/lifestyle | Banca lussemburghese specializzata in carte di credito · Mastercard Gold senza canone |
| Regulator | Banca d'Italia (vigilanza istituti di pagamento) | CSSF (Lussemburgo) · operatività in Italia |
| Segment | B2C | B2C |
| Free ATM limit | — | ATM withdrawals (Italy and abroad) 4% of the amount, minimum €3 per transaction, with interest from the booking date (no grace period) |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Istituto di pagamento / emittente carte (American Express) | Banca lussemburghese (vigilanza CSSF) · emissione carte di credito |
Frequently asked questions
American Express — Carta Platino vs Carta YOU — Advanzia Bank: which is better?
Carta YOU — Advanzia Bank starts ahead on fees: no annual fee versus €840 for American Express — Carta Platino. For spending abroad FX markup matters, and Carta YOU — Advanzia Bank does better (0% vs 2.5%). In our editorial rating Carta YOU — Advanzia Bank leads (4.0 vs 3.5). In short: American Express — Carta Platino if your usage matches its strength, Carta YOU — Advanzia Bank otherwise — the numbers above beat any slogan.
Is American Express — Carta Platino custodial or self-custody?
American Express — Carta Platino is self-custody: you keep the keys, while Carta YOU — Advanzia Bank is self-custody.
Which is better for spending abroad?
For foreign-currency spending Carta YOU — Advanzia Bank wins, with the lowest FX markup: 0%.