100K + 10x Platinum card offer via referral


Last month, we wrote about the incredible offers available on the Amex Platinum card. While many readers were eventually able to get the offer for 100,000 Membership Rewards points after $5K in purchases in the first 6 months plus 10x at US Supermarkets and US Gas stations for the first 6 months, it was a disappointment for many that at the time the same offer was not available via referral link (and some struggled to find the 100K offer). Some people now have the ability to refer others to the 100K offer. Better yet, the person making the referral can earn 30K points for referring a new customer (up to a cap of 55K per calendar year).

The Offer & Key Card Details

Card Offer and Details
The Platinum Card® from American Express
100K points + 10x US Gas Stations and US Supermarkets
100K after $5K spend in first 6 months plus 10x on eligible purchases at US gas stations and US supermarkets on up to $15K in purchases in the first 6 months. Terms apply. (Rates & Fees)

$550 Annual Fee

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.

Card Type: Amex Pay Over Time Card


Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel

Noteworthy perks: ⚬ $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one qualifying airline ⚬ Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only ⚬ Complimentary Uber Eats Pass Membership for up to 12 months (must enroll by 12/31/21) ⚬ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually, enrollment required) ⚬ $100 Global Entry fee reimbursement ⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton HHonors Gold status ⚬ Free Gold card AUs. Terms Apply. (Rates & Fees)

See also: Amex Platinum Guide

Quick Thoughts

Doctor of Credit reported weeks ago that the 100K offer was available via referral in some instances, but I had missed the details and assumed it was similar to how the offer would work in only some browsers previously. However, this is significantly different than the previous 100K + 10x offer. Essentially, some customers have the ability to generate a 100K + 10x referral link and that link will populate the 100K offer for everyone who uses it.

In this case, Greg has the ability to generate the 100K referral from his new Platinum card, so we have updated the link on our Platinum Card page accordingly since anyone can get the 100K + 10x offer by clicking through our link now.  [UPDATE: Greg has maxed out his referrals and so we are swapping in other referrals]

By contrast, my Platinum referral link only generates the standard 60K offer.

Interestingly, those who are able to generate the 100K offer have a sweet deal for themselves, also. That’s because those who can generate the 100K offer are showing a 30K points bonus per referral for the referrer (up to the cap of 55K points earned per year for that card — essentially two referrals will cap out referral capacity for the referrer, but the link will continue to work for 100K + 10x after that capacity is met). Those of us whose referral link only earns 15K per new customer have a link to an inferior offer.

This is great news as it means that anyone can get the 100K + 10x offer — and hopefully some who have opened the card recently and have a link to the 100K offer can refer a friend or two before the end of the year and juice their bonus a bit more.

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