I’ll be an incoming associate PwC in their DDV group making average salary. Is it reasonable to apply and get Amex Platinum Credit Card (Annual Fee $695)?

My credit score is good (750-780)

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Really depends on if you will use most of the perks offered by the card, which are oriented more towards the very frequent (weekly) travelers. While consultants are known to frequently travel, it has been significantly scaled back, and especially so at the junior levels.

I don’t know a single colleague (non partner) who had this card even when we were weekly traveling.

The other travel cards made more sense at the lower annual price point.

Advice that was given to me is to get a first credit card with no annual fees so it's easy to keep open the longest without much commitment if you eventually open more.

So I’ve had another credit card for more than a year already and I do travel very frequently. Also, how are my expenses handled at PwC (or consulting in general)?

Are they placed directly on corporate card or do I swipe my personal card and am reimbursed?

Also, one of the biggest perk is Lounge access. Don’t I already have access to them with the corporate credit card?

At most firms, you directly place expenses on your corporate card, not your personal card.

For lounge access, you should wait and determine based on hub. You may want a United or an American card, or the Platinum Amex, depending on where your group travels the most or your base city.

The standard corporate Amex is as basic as they come. No lounge access.

I recently started using my Platinum and I think it’s incredibly worth it, especially if you travel often. I love stopping in at the Centurion Lounges at airports to grab a quick (complimentary) bite and have a few drinks before a flight. I would estimate that I have about $50 in food and alcoholic drinks whenever I visit a lounge, so about $100 per round trip. It also allows you to enroll in the Priority Pass which gives you access to other airport lounges, too. I was able to select an airline and get $200 in statement credit towards in-flight purchases like WiFi and non-standard seats, which is fantastic. When traveling, I try to stay at a hotel that gives me 5x back for booking through the AMEX Travel Portal. Between the hefty welcome bonus and all the extra ways to earn rewards, I have definitely earned over $1,500. The Uber reward is also icing on the cake. There are so many other benefits, like the Equinox or Saks statement credit, that I haven’t made use of yet but I have already raked in thousands of dollars in rewards/credits from the Platinum. Definitely worth it IMO.

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