American Express® Platinum Card

Unlock Up to 175,000 Amex Platinum Points

The American Express® Platinum Card is a powerhouse — and right now, some applicants are seeing targeted welcome offers of up to 175,000 Membership Rewards points.

While the standard public offer is often lower, the 175k offer can sometimes be unlocked by opening an incognito or private browsing window if you don’t get that offer when you first click the link and go through the application.

Welcome Offer (Targeted)

• Up to 175,000 Membership Rewards points after spending $8,000 in the first 6 months
• To increase your chances of seeing this offer, try using incognito mode on your browser

Annual Fee

• $695 annual fee (not waived the first year)
• Steep, but potentially offset by a long list of valuable monthly and annual credits
• Rates and Fees
• Offer and Benefit Terms

Key Earning Multipliers

• 5x points on flights booked directly with airlines or through Amex Travel (up to $500,000 per calendar year, then 1x)
• 5x points on prepaid hotels booked through Amex Travel
• 1x point on all other eligible purchases

Monthly & Annual Credits

If fully utilized, these can easily exceed the annual fee:

• $200 Airline Fee Credit (select one airline per year; applies to incidental fees like seat selection and baggage)
• $200 Uber Credit ($15/month + $20 in December, for Uber rides or Uber Eats in the U.S.)
• $200 Hotel Credit (on prepaid bookings at Fine Hotels + Resorts or The Hotel Collection via Amex Travel)
• $189 CLEAR Plus Credit (for fast airport security access)
• $100 Saks Fifth Avenue Credit ($50 semiannually)
• $240 Digital Entertainment Credit ($20/month for select services like Peacock, Audible, NYT, etc.)
• $300 Equinox Credit ($25/month for eligible Equinox memberships or Equinox+ app)

Additional Premium Perks

• Access to Amex Centurion Lounges, Delta Sky Clubs, and Priority Pass Select
• Global Entry or TSA PreCheck application fee credit (every 4.5 or 5 years, respectively)
• Fine Hotels + Resorts program: elite-like benefits at luxury properties
• Hilton Honors Gold and Marriott Bonvoy Gold Elite status

Know Before You Apply

One of the best parts of applying for an Amex card is that you find out if you’re approved before a hard credit inquiry is made. If you’re not approved, your credit won’t be affected.

You want to open the American Express Gold® Card first because you will not usually be approved for it after you open the Platinum.

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Bottom Line

Yes, the Platinum Card comes with a high annual fee, but the combination of a huge welcome bonus, premium travel perks, and stackable monthly credits makes it a serious value for the right cardholder.

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