Amex Platinum Complete Guide

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This post has been updated to include new consumer Platinum perks such as Walmart+ credits, and new business Platinum perks such as cell phone service credits and more Dell credits.


Amex Platinum cards come loaded with high end perks: Hundreds of dollars per year in various credit reimbursements, access to multiple types of airport lounges, hotel and car elite status, and much more.  All of this goodness comes at a steep price:

  • Consumer Platinum Card: $695
  • Business Platinum Card: $695

There are multiple versions of the consumer Amex Platinum card.  In addition to the regular card, there are Platinum cards branded by Morgan Stanley and Schwab.  These cards are mostly the same, but they do each have a few unique benefits that can make one or the other a better fit for you.  And, yes, it’s possible to earn welcome bonuses for all three.

The business Platinum card is different in a number of ways.  It offers different point earning bonuses and some different perks.

Annual Fee

Primary User

  • Consumer Platinum Cards: $695 per year
  • Business Platinum Card: $695

Authorized User

It is possible to add authorized users for free by giving them Green or Gold cards instead of Platinum cards.  In this case, the authorized users get very few perks.  And it’s important to understand that the Gold card available as an authorized user card has none of the perks of the stand-alone Amex Gold Card.  If you want your authorized users to get lounge access and other top end perks, they will need authorized user Platinum cards.  These cost money to add to your account:

  • Business Platinum: $300 per year for each Platinum employee card.  The annual fee is increasing to $350 beginning June 1, 2022.
  • Morgan Stanley Platinum: First Platinum authorized user card is free. Add up to 3 more for $175 per year.
  • Other consumer Platinum cards: $175 per year for up to 3 Platinum authorized users.

Save money by sharing

If you have family or friends that you trust, consider sharing the cost of renewing your Platinum card each year by adding them as authorized users.  Your friends won’t get airline fee or other credit reimbursements, but they will get lounge access, elite status, and more.  The trick is to make sure they use the card only for the perks and not for spend since you will be responsible for any payments made with the card.

A Delta SkyClub membership alone costs $545 for 12 months.  You can give friends the same access when flying Delta by adding them as authorized users.  How much would your friends pay you for this benefit?

The best card to do this with is the Morgan Stanley Platinum card since it offers the first authorized user free.  After that (or if you don’t have a Morgan Stanley card), your best bet is to rope in 3 friends for just $175 more.

This table shows the total cost of card membership depending on how many authorized users are involved:

Number of Platinum Cards Consumer Platinum Morgan Stanley Business Platinum
1 (Primary Only) $695 $695 $695
2 (Primary + 1 AU) $870 $695 $895
3 (Primary + 2 AUs) $870 $870 $1195
4 (Primary + 3 AUs) $870 $870 $1495

 

Amex Platinum Perks

Access to high end perks is the reason to hold an Amex Platinum card.

Perks for all Platinum cards

The following perks apply to all Platinum cards:
Benefit How to access or enroll Available to Platinum Authorized users?
5X points at amextravel.com: Earn 5X points for prepaid hotel and airline bookings at Amextravel.com This benefit is automatic. Yes. Points and bonus points are added to the primary card holder's account.
$200 airline fee credit: Amex will automatically reimburse up to $200 per calendar year for airline fees for your selected airline only. Eligible fees include: baggage fees, flight-change fees, in-flight food and beverage purchases, and airport lounge day passes. Log in and go to Benefit page and click “Select a Qualifying Airline”. For tips on using this benefit, please see: Amex airline fee reimbursements. What still works? No. Spend on authorized user cards does count, but only $200 per year will be reimbursed altogether.
Airport Lounge Access - Centurion Lounges, Airspace Lounges, Escape Lounges: Cardholder plus two guests are allowed free.  Beginning 2/1/23, in most cases guests will be charged $50 each (details here). No need to enroll. Simply show your Platinum card when visiting a Centurion Lounge. Yes
Airport Lounge Access - Delta SkyClubs: Cardholder is allowed free when flying Delta same day. Extra charge for guests. No need to enroll. Simply show your Platinum card and same day boarding pass when visiting a Delta SkyClub. Yes
Airport Lounge Access - Priority Pass Select Lounges: Priority Pass Select member plus two guests are allowed free entrance. Unfortunately, this membership does not include Priority Pass restaurants. You must sign up for Priority Pass Select. Go to benefit page and click “Enroll in Priority Pass”. You will receive a membership card by mail. Present Priority Pass card and boarding pass at lounge entrance. Yes. Each authorized user must sign up for Priority Pass Select.
Airport Lounge Access - select Lufthansa Lounges Free access to Lufthansa Business Lounges (with confirmed ticket) or to Senator Lounges (with Business Class ticket) in the satellite building of Terminal 2 at Munich Airport and in Terminal 1, Departure Area B, at Frankfurt Airport.  Valid only when flying Lufthansa, SWISS or Austrian Airlines.  Yes
Cell Phone Protection: Max $800 per claim, $50 deductible. No need to enroll. Pay your cell phone bill with your Platinum card. Yes
CLEAR credit: Get up to $179 per year reimbursed for CLEAR subscriptions. No need to enroll. Pay for CLEAR with your Platinum card.  See also:  5 ways to get CLEAR for less. No. Spend on authorized user cards does count, but only $179 per year will be reimbursed altogether.
Global Entry or TSA Pre fee credit: Full reimbursement for signup fee once every 5 years, per card. Note: signup for Global Entry since that includes TSA Pre. Sign up for Global Entry here. Pay with your Platinum card. Reimbursement should happen automatically. Yes. Pay with the authorized user card in order to get reimbursed. Terms state “Additional Cards on eligible Consumer and Business accounts are also eligible for the $100 statement credit”. This works with no fee Green and Gold authorized user cards too.
Emergency Medical Transportation Assistance Call the Premium Global Assist Hotline: 1-800-333-Amex (toll free), or 1-715-343-7977 (direct-dial collect) Yes
Hilton HHonors Gold Status: Hilton Gold members receive free breakfast, room upgrades when available, and other perks at Hilton hotels. Go to benefit page, find the Hilton HHonors Gold benefit, and click “Enroll Now”. Yes. Authorized users may have to call Amex to enroll.
Marriott Gold Status: Marriott Gold members receive a points welcome gift with each stay, room upgrades when available, 2pm late checkout, and other perks (details here). Go to benefit page, find the Marriott Gold benefit, and click “Enroll in Marriott Gold”. Yes. Authorized users may have to call Amex to enroll.
International Airline Program: Save money when booking premium cabin international flights originating in the US or Canada. Book your flight on amextravel.com. Make sure to log into your Amex account to see flight discounts. Yes
Fine Hotels & Resorts: Book high-end hotels through Amex Fine Hotels & Resorts and get: room upgrade, daily breakfast for 2, 4pm late checkout, noon check-in, free wifi, and unique property amenity. Also: Earn 5X Membership Rewards for prepaid bookings. Browse to www.americanexpressfhr.com and log into your Platinum account. Yes
Preferred Hotels & Resorts Elite Status: Lifetime elite status offers perks such as extra points, welcome amenity Click here to enroll Yes
Fiesta Rewards Platinum Status Use the Spanish language page: http://www.fiestarewards.com/inscripcion and enter code: AMEXPLATINUM Yes
National Car Rental Executive status: Book midsize cars and select any car from the Executive Aisle for no extra charge. Enroll here. Yes
Hertz Rental Car Privileges: Special elite-like benefits for Platinum cardholders, plus discounts, plus four hour grace period for rental car returns. Details and enrollment form found here. Yes
Cruise Benefits: Pay for your cruise with your Platinum card and receive $100 to $300 per stateroom shipboard credit plus additional amenities unique to each cruise line Participating cruise lines and other info can be found here. Yes
Premium Private Jet Program: 20% off plus one time $500 credit towards Wheels Up Connect or 40% off plus one time $2K towards Wheels Up Core memberships. Sign up here. Yes
ShopRunner: Free shipping at a number of merchants. Sign up here. Yes
Neiman Marcus In-Circle Call 1-800-525-3355 to enroll Yes

Additional Business Platinum Perks

The following perks apply only to Business Platinum cards:
Benefit How to access or enroll Available to  Platinum Employee Cards?
1.5X points per dollar: Earn 1.5X on individual purchases of $5000 or more; and on select categories: Construction material & hardware, Electronic goods retailers and software & cloud system providers, and Shipping providers Automatic Yes. Points and bonus points are added to the primary card holder's account.
$400 in Dell Credits: Up to $200 in credits each year from January through June; and another $200 July through December. Go to benefit page to enroll. No. Employee cards do not receive their own Dell credits.
$120 in Wireless Credits: Up to $10 per month when you use your card to pay for wireless telephone service. Go to benefit page to enroll. No. Employee cards do not receive their own wireless credits.
$360 in Indeed Credits: Up to $90 per quarter for purchases with Indeed Go to benefit page to enroll. No. Employee cards do not receive their own Indeed credits.
$150 Adobe Credits: Up to $150 per year on annual prepaid plans for Creative Cloud for teams and Acrobat Pro DC with e-sign for teams Go to benefit page to enroll. No. Employee cards do not receive their own Adobe credits.
35% points rebate on airfare: Pay with points for airfare on your selected airline or for business or first class with any airline and get 35% of your points back. Book flights through AmexTravel.com and select to pay with points. No.

Additional Consumer Platinum Perks

The following perks apply only to consumer Platinum cards (including the regular Amex Platinum, Morgan Stanley Platinum, and Schwab Platinum):
Benefit How to access or enroll Available to Platinum Authorized Users?
$200 in Uber / Uber Eats Credits: Amex will reimburse $15 per month ($35 in December) for Uber charges. You will also get Uber VIP status. Add your Platinum card number to your Uber account as a payment method. You do not have to pay with the Platinum card in order to get this benefit. Important: when requesting a ride, select Uber Cash for payment in order to use your credits. No. Authorized user cards do not receive their own $200 in Uber credits or VIP status.
$200 Hotel Credit: Get $200 back per calendar year towards prepaid Fine Hotels + Resorts or The Hotel Collection bookings No need to enroll.  Book through Amex Travel and pay with your Platinum card. No. Spend on Authorized user cards does count, but only $200 per year will be reimbursed altogether.
$240 Digital Entertainment Credit: Up to $20 per month rebate for select digital entertainment services (Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times ) Enroll here. Enroll in any of the listed services and pay with your Platinum card. No. Spend on Authorized user cards does count, but only $20 per month will be reimbursed altogether.
$100 in Saks Fifth Avenue Credits: Up to $50 in credits each year from January through June; and another $50 July through December. Enroll here. Pay with your consumer Platinum card at Saks Fifth Avenue online or at locations in the US and US Territories. No. Spend on Authorized user cards does count, but only $50 per 6 months will be reimbursed altogether.
Free Walmart+ Subscription: Get back the full cost, including taxes, for a Walmart+ monthly subscription. No need to enroll.  Use your Platinum card to pay for a monthly Walmart+ subscription. No. You can use an Authorized user card to pay, but you won't get more than one credit per month.
$300 Equinox Credit: Get $25 per month for select Equinox subscriptions. Enroll here. Use your Platinum card to pay for monthly Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees. No. Spend on Authorized user cards does count, but only $25 per month will be reimbursed altogether.
$300 SoulCycle Rebate: Charge the full price of a SoulCycle at-home bike and get $300 back. Must join Equinox first (see above) Sort of: Each Platinum account can get $300 back on each of 15 bikes purchased per year.
5X points on flights booked directly with airlines. With business cards you must book through Amex Travel to get 5X. Automatic benefit Yes. Points and bonus points are added to the primary card holder's account.
Active Military Fee Waiver: Amex will waive consumer card fees (including annual fees) for US active military personnel. Call the number of the back of your card and tell them you are serving on active duty military and had heard that AMEX offers to handle your account in accordance with the Military Lending Act (MLA) Yes (primary user must call and can get fees waived for additional cardholders)

Additional Morgan Stanley Perks

In addition to standard consumer Platinum perks, Morgan Stanley Platinum cards add the following perks:
Benefit How to access or enroll Available to Platinum Authorized Users?
First authorized user free: Add one Platinum authorized user for free. Add up to 3 more for $175. Simply add an authorized user to your account N/A
Invest with rewards: Liquidate Membership Rewards points for 1 cent each when deposited to your Morgan Stanley brokerage account. Log into your account to redeem points to your brokerage account. No.
$500 anniversary spend award: Spend $100K in a cardmember year to get $500. If you spend exactly $100K per year, that amounts to a bonus of half of 1 cent per dollar spent. This benefit is automatic Not really. Authorized user card spend does contribute towards the required $100K spend, but authorized users do not get their own $500.
$695 Annual Engagement Bonus: Platinum CashPlus clients can get a $695 Annual Engagement Bonus. Details here: Morgan Stanley Platinum Card Fee Free (how to earn the Annual Engagement Bonus) No

Additional Schwab Perks

In addition to standard consumer Platinum perks, Schwab Platinum cards add the following perks:
Benefit How to access or enroll Available to Platinum Authorized Users?
Invest with Rewards: Liquidate Membership Rewards points for 1.1 cents each when deposited to your eligible Schwab account. Log into your account to redeem points to your Schwab account. No.
$100 to $200 statement credit Receive a $100 Card statement credit if your qualifying Schwab holdings are equal to or greater than $250,000 or receive a $200 Card statement credit if your qualifying Schwab holdings are equal to or greater than $1,000,000, when measured following Card account approval and annually thereafter. No.

Which Platinum card is best?

Your first decision point should be consumer vs. business:

  • A business Platinum card is best if you highly value the 35% Pay with Points rebate, $120 in wireless credits, and $400 in Dell credits.
  • A consumer Platinum card is best if you highly value Uber credits, hotel credits, Digital Entertainment credits, Equinox credits, Saks credits, Walmart Plus credits, and the ability to earn 5X directly with airlines.

Which consumer Platinum card is best?

If you decide that a consumer card, rather than a business card, is right for you (see above), then consider these decision points:

  • The Morgan Stanley Platinum card is best if you want to add a Platinum authorized user (since the first AU is free), or if you qualify for $695 annual engagement bonus.
  • The Charles Schwab Platinum card is best if you prefer cash back over travel rewards since it lets you cash out points at 1.1 cents each; or if you have a lot of money invested with Schwab since you’ll get an annual kickback ($100 for $250K invested, or $200 for $1M invested).

Amex Platinum Application Tips

Should you apply?

Platinum card welcome bonuses are usually worth considerably more than the card’s annual fee.  So, as long as you can make use of some of the card’s perks, and as long as you can meet the offer’s minimum spend requirements, it makes sense to sign up for at least one year.  You can always cancel (or downgrade to a less expensive card) once the annual fee comes due in year 2 so as to avoid paying for the second year.

Are you eligible?

Anyone with decent credit is eligible for the regular consumer Platinum card.  Other cards do have requirements:

  • Morgan Stanley Platinum: To get this card you must have a Morgan Stanley account. Fortunately, a low-end Morgan Stanley Access Investing account works fine.
  • Schwab Platinum: To get this card you must have a Charles Schwab account.  Fortunately, even a no-fee checking account is fine.  And, incidentally, Schwab has one of the best no-fee debit cards around with no foreign transaction fees and it reimburses ATM fees.
Applying for Business Credit Cards: You must have a business to apply, but even a simple sole proprietorship will work. It's likely that you have a business even if you don't realize it.
More:You must have a business (but you probably do): In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.
When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

How to apply for an Amex Platinum card

Simply click through to the appropriate application page and fill out the details.  Here are the current welcome bonus offers.  Click the offer you are interested in for more details and then click through to the application page.  Note that some people find an even better offer for the generic consumer Platinum card by checking the CardMatch Tool.

Card Offer
The Platinum Card® from American Express Exclusively for Morgan Stanley
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]

The Business Platinum Card® from American Express
120K points
120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Alternate offer: Some people are targeted for an offer of 160K total points: 150K after $15K spend in the first 3 months + 10K when you add an employee card at the time of application and spend $1K on the employee card in the first 3 months. See if you are targeted here.

Recent better offer: 150K after $20K Spend (Targeted)

The Platinum Card® from American Express
150K Points + 10x restaurants
150K after $6K spend in first 6 months + 10x at restaurants worldwide for the first 6 months on up to $25K in eligible purchases. Terms apply. (Rates & Fees)
(Offer Expires 6/8/2022)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

After you apply, you can check application status here.

Amex Platinum Reconsideration

If denied, call reconsideration: 877-399-3083 (new account holders); 866-314-0237 (current account holders)

Earn Points

Credit Card Welcome Bonuses

The easiest and quickest way to earn Membership Rewards points is through Amex credit card welcome bonuses.

Most Amex welcome offers stipulate that you can’t get the bonus if you’ve ever had that card before. That said, it doesn’t preclude you getting a bonus for a similarly named card.  For example it’s possible to get the welcome bonus for all three versions of consumer Platinum cards and the business Platinum card as well.  Additionally, targeted offers sometimes do not have that once per lifetime language.  In those cases, you can get the bonus even if you’ve had the card before. See: 8 ways to get the best targeted Amex welcome bonus offers.

Below are the Amex cards with the best current and public Membership Rewards welcome offers.

Card Offer
The Platinum Card® from American Express
150K Points + 10x restaurants
150K after $6K spend in first 6 months + 10x at restaurants worldwide for the first 6 months on up to $25K in eligible purchases. Terms apply. (Rates & Fees)
(Offer Expires 6/8/2022)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

The Business Platinum Card® from American Express
120K points
120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Alternate offer: Some people are targeted for an offer of 160K total points: 150K after $15K spend in the first 3 months + 10K when you add an employee card at the time of application and spend $1K on the employee card in the first 3 months. See if you are targeted here.

Recent better offer: 150K after $20K Spend (Targeted)

American Express® Gold Card
90K Points + up to $250 back
90K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. (Rates & Fees)
(Offer Expires 6/8/2022)

$250 Annual Fee

The Platinum Card® from American Express Exclusively for Morgan Stanley
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]

American Express® Green Card
50K Points + up to $150 back
50K after $2K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $150 back. Terms apply. See Rates & Fees

$150 Annual Fee

American Express® Business Gold Card
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

Alternate offer: Some are targeted for an offer of up to 100K points: 90K points after $10K in purchases in the first 3 months + 10K points when you add an employee card at the time of application and they spend $1,000 in the first 3 months. You can check here to see if you are targeted.

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

The Blue Business® Plus Credit Card from American Express
15K points
15K after $3K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee

Alternate offer: Some people have been targeted for an offer in their online account for 50K points after $15K in purchases in their first 12 months.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

The Amex EveryDay® Preferred Credit Card from American Express
15K Points
15K after $1K spend in 3 months. Terms apply.

$95 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.

Recent better offer: 30K after $2K in first 3 months

Credit Card Upgrade Bonuses

Amex frequently offers bonus points for upgrading from one card to another.  For example, we’ve seen 50,000 point offers for upgrading from the Business Gold Rewards card to the Business Platinum card.  Even better, these upgrade offers often do not have the once per lifetime language.  That is, if you are targeted for an upgrade offer, you may be able to earn the bonus points even if you’ve had the card before.  It is best to accept these offers only after you have earned a signup bonus for the higher end card.

One strategy to try with Platinum cards is to downgrade to the lower priced Green card when your second year annual fee comes due.  Then wait and hope to get an upgrade offer to go back to Platinum.

Amex Business Platinum 50K Upgrade Offer

Credit Card Category Bonuses

The next best way to earn Membership Rewards points is by using the best card for each category of spend.  If you spend a lot personally or through your business on any of the below categories, you can do very well.  Particularly noteworthy is the no-annual-fee Blue Business Plus Credit Card which offers 2 points per dollar for all spend, up to $50K spend per calendar year (then 1X thereafter).  That’s fantastic.

Spend Category Best Options
US Supermarkets
American Express Gold 4X (up to $25K per year, then 1X)
EveryDay Preferred Up to 4.5X* (max $6K per year)
US Gas Stations
Business Gold Rewards Up to 4X**
EveryDay Preferred Up to 3X*
Restaurants American Express Gold 4X
American Express Green 3X
Business Gold Rewards Up to 4X**
Travel (Broadly Defined) American Express Green 3X
Flights
Platinum consumer cards 5X
Business Platinum (via Amex Travel) 5X
Business Gold Rewards Up to 4X**
American Express Gold  3X
American Express Green 3X
Prepaid Hotels
Platinum cards (via Amex Travel) 5X
American Express Green 3X
Select Car Rental Companies American Express Green 3X
Morgan Stanley Credit Card 2X
US Shipping Business Gold Rewards Up to 4X**
US Advertising in select media Business Gold Rewards Up to 4X**
US Computer related purchases
Business Gold Rewards Up to 4X**
Rakuten portal shopping Rakuten Visa 3X + portal rewards
Everywhere else Blue Business Plus 2X
EveryDay Preferred 1.5X*

* The Amex EveryDay Preferred card earns a 50% bonus every billing period in which the card was used for 30 or more transactions.  Before the 50% bonus, the card has the following bonus categories: 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases.  After the 50% bonus, it offers: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x); 3x points at US gas stations; 1.5x points on other purchases.

** The Business Gold Card offers 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.

Credit Card Referrals

Another great way to earn Membership Rewards points is by referring friends and relatives.  In some cases referral bonuses are really big.  However, if you want to keep your friends, then make sure that the offer they get is as good as the best available public offer (compare to our Best Offers page).

amex-plat

Log into your account to check for any special referral offers.

Note that this option is especially powerful since you can now refer friends to other cards — even to cards you do not have.  See this post for full details: Maximizing value from Amex multi-referrals.

Amex Offers

Amex Offers are usually best for saving cash.  But, sometimes Amex Offers provide terrific opportunities for point earning instead.  One (now expired) example was an offer for Reebok: Spend $75 or more, Get 1,500 Membership Rewards points. And one for Hugo Boss: Spend $250 or more, Get 5,000 points.

Amex Offer Reebok Boss

Sometimes Amex Offers are longer term and act more like a new category bonus.  For example, you’ll often see offers to earn 2X rewards at various merchants.

Log into your account and check the section titled “Amex Offers and Benefits” to look for offers like these.

Other Earning Options

FX International Payments

Amex offers businesses the ability to earn 1 Membership Rewards point per $30 of foreign wire payments (max 4,000 points per transaction).  Even better, you may receive a welcome bonus offer like the one shown above (keep an eye out for this in your mailbox or email!).

Redeem Points

In general, Membership Rewards points are worth up to 1 cent each when redeemed for merchandise or gift cards. Fortunately, there are three ways in which it is possible to get more value: redeem points for flights, transfer points to hotel or airline partners, or invest rewards. More on each below…

Travel

Those with Amex Platinum cards automatically get 1 cent per point value when redeeming points for travel. That's not particularly good, but it's much better than the value that people get without an Amex Platinum card. Currently, the only way to get better than 1 cent per point value when redeeming points for travel is with the Business Platinum Card.
The Business Platinum Card offers a 35% Airline Bonus: Get 35% of your points back when you redeem points through Amex Travel for either a First or Business class flight on any airline, or for any flights with your selected airline.
After you receive the 35% rebate, the value works out to 1.54 cents per point. That's very good, but it does require owning this ultra-premium card.

Transfer points

The best use of Membership Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high value awards. Your best bet is usually to wait until you find a great flight or night award before transferring points. One exception: Amex often offers 30% or higher transfer bonuses to certain programs (Virgin Atlantic and British Airways are two recent examples).  If you’re confident that you’ll use the points for good value, it may make sense to transfer points when those bonuses are in effect.

For specific examples of great ways to use points transferred to airline miles, please see: Amex Membership Rewards sweet spots.

Current Transfer Bonuses

Here are the currently available transfer bonuses from Amex Membership Rewards (this table will update automatically when new offers are found):

Transfer Bonus DetailsEnd Date Sortable
40% Transfer Bonus from AMEX Membership Rewards to British Airways Avios2022/5/15
25% Transfer Bonus from AMEX Membership Rewards to Marriott Bonvoy2022/05/31
15% transfer bonus Amex Membership Rewards to Avianca LifeMiles2022/5/31
25% Transfer Bonus from Amex Membership Rewards to Flying Blue2022/6/15

Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user or employee on the account.

Transfer Partners

It is free to transfer Membership Rewards points to foreign airlines. For transfers to US airlines, however, Amex charges an “excise tax offset fee” of $0.0006 per point (with a maximum fee of $99). Airlines subject to this fee are noted below.

Rewards ProgramAmex Transfer RatioBest Uses
Aer Lingus Avios1 to 1Aer Lingus shares the "Avios" currency with British Airways and Iberia. In most cases it is best to move points to one of those programs in order to book awards for less.  See also: Complete guide to Avios - British Airways, Iberia, and Aer Lingus.
AeroMexico ClubPremier1 to 1.6AeroMexico is a SkyTeam partner. Club Premier points can be used to book flights on AeroMexico, SkyTeam alliance members (such as Delta or Korean Air), or on select partner airlines. Unfortunately many have reported that awards are extremely difficult to book through AeroMexico so we do not recommend transferring points to this program. If you want to fly AeroMexico, look to transfer points to another SkyTeam partner (such as Air France) and then book AeroMexico with that program.
Air Canada Aeroplan1 to 1Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know.
Air France KLM Flying Blue1 to 1Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France offers very good business class award pricing between the US and Europe & Israel.
ANA Mileage Club1 to 1Redeem for Star Alliance flights. Multiple stopovers allowed. ANA offers many great sweet-spot awards, including flying around the world in business class for as few as 115K miles! See also: ANA - a terrific Membership Rewards gem.
Avianca LifeMiles1 to 1Avianca LifeMiles can be great for Star Alliance awards. They offer reasonable award prices and no fuel surcharges on awards. They also offer shorthaul awards within the US (for flying United, for example) for as few as 7,500 miles one-way. Best of all, their mixed-cabin pricing can lead to fantastic first-class award prices. See this post for details.
British Airways Avios1 to 1While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can be had in redeeming BA points for short distance flights. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Complete guide to Avios - British Airways, Iberia, and Aer Lingus.
Cathay Pacific Asia Miles1 to 1Cathay Pacific has a decent distance based award chart, but they no longer allow stopovers longer than 24 hours. Cathay Pacific Asia Miles can be a good option for booking American Airlines flights with a distance based award chart, especially if other OneWorld Alliance miles aren't available. For long distance flights, it is possible to reduce the cost of first class by adding on a business class flight. See this post for details.
Choice1 to 1Choice Privileges points seem to be randomly valuable within the US, but dependably valuable internationally in expensive locations such as Scandinavia and Japan
Delta SkyMiles1 to 1 plus excise taxDelta no longer charges change or cancellation fees on awards originating in North America. Flash award sales can offer great value. See: Best uses for Delta miles.
Emirates Skywards1 to 1The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be steep. See: Emirates Sweet Spot Awards - First class from 30K miles round trip. Another great use is to book JetBlue Mint flights. See: Book JetBlue Mint (including Mint Studio) with Emirates miles.
Etihad Guest1 to 1Etihad has a very competitive award chart for American Airlines flights, among others.  For example, they charge only 50,000 miles one-way for business class flights from North America to Europe. Partner awards must be booked over the phone.
Hawaiian Miles1 to 1 plus excise taxHawaiian Airlines’ award prices tend to be quite high, but there are some not-terrible uses: fly to neighboring islands for 7.5K miles, fly first class round-trip from Hawaii to South Pacific islands for as few as 95K miles, fly first class round-trip from Hawaii to Australia for as few as 130K miles.
Hilton1 to 25th Night Free awards. Best value is usually found with very low end or very high end Hilton hotels. Bonus: award nights are not subject to resort fees.
Iberia Avios1 to 1Iberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower when booking with Iberia rather than British Airways. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar.  See also: Complete guide to Avios - British Airways, Iberia, and Aer Lingus.
JetBlue250 to 200 plus excise taxJetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards. JetBlue points can also be transferred to Amtrak 2 to 1 (with Amtrak points worth up to 2.9 cents each, this transfer can offer good value).
Marriott Bonvoy1 to 15th Night Free awards. Opportunities to get outsized value exist but can be hard to find.
Qantas Frequent Flyer1 to 1Best use is probably for flights on El Al with no fuel surcharges. Also useful for short AA flights. Qantas offers distance based award charts similar to Cathay Pacific. Both are OneWorld Alliance members. I recommend comparing award prices across both programs before transferring to either. Qantas offers round the world business class awards for only 280,000 points (but with many restrictions)
Qatar Privilege Club Avios1 to 1 via BAQatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia)
Singapore Airlines KrisFlyer1 to 1Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines).
Virgin Atlantic Flying Club1 to 1Virgin Atlantic offers a few great sweet spot awards including ANA first class between the US and Japan for as low as 55K points one-way; and US to Europe on Delta One business class for 50K points one-way. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight).

Cash back (invest with rewards)

The only good way to get cash back is to add the American Express Platinum Card for Schwab or the Platinum Card for Morgan Stanley to your portfolio. Both offer the option to "Invest with Rewards." With the Schwab benefit you can deposit Membership Rewards points into a Schwab account at a value of 1.1 cents per point. For example, 60,000 points becomes $660.  With the Morgan Stanley benefit, each point is worth 1 cent each.  For example, you can redeem 60,000 points for $600.

Other options

You can also redeem points for gift cards or merchandise. At most, with this approach you’ll get 1 cent per point value, but usually you’ll get quite a bit less.

You can also use points to pay some merchants directly (Amazon.com, for example). Don’t do this. These options offer very poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Ultimate Rewards points – causing you a headache in getting your points reinstated).

Manage Points

Combine Points

Amex automatically pools all of your points together. When you earn points with different cards, the point total shown when viewing either card is the total across cards.

Share Points

Unlike Chase and Citibank, Amex doesn’t allow members to move points from one person’s account to another. That said, it is possible to transfer one person’s points to another person’s loyalty program account. The key is that the person who receives the points must be an authorized user or employee on the other person’s account. For example, my wife can transfer Membership Rewards points to my Virgin Atlantic account as long as I’m an authorized user (or employee) on any of her Membership Rewards cards.
An authorized user card must be active for 90 days before it will unlock the ability to transfer your points to the authorized user’s loyalty program account.

How to Keep Points Alive

Thankfully, it is very easy to keep Amex Membership Rewards points alive. Simply keep any Membership Rewards card open. For example, if you are about to close your one and only Membership Rewards card, then open another Membership Rewards card account first in order to preserve your points. Amex offers some no-fee Membership Rewards cards, such as the Blue Business Plus and the Amex Everyday, so this shouldn't be much of a burden.

Amex Platinum: Keep or Cancel?

Deciding whether to keep or cancel Amex Platinum cards can be a tough decision.  Given the card’s very high annual fee, it’s a significant investment to keep the card year after year.  If you make good use of the card’s perks, though, it can be well worth it.  For example, a Delta SkyClub membership alone currently costs $545 for 12 months, but you get the same access when you’re a Platinum cardholder.  Plus, the Platinum card gives you access to many other lounges including Amex Centurion Lounges and Escape Lounges, both of which are arguably the best domestic airport lounges in the US.

Summary Information

Here’s summary information about each currently available Amex Platinum card variation.  Click through any of the links for more details:

Card Offer and Details
The Business Platinum Card® from American Express
120K points
120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Alternate offer: Some people are targeted for an offer of 160K total points: 150K after $15K spend in the first 3 months + 10K when you add an employee card at the time of application and spend $1K on the employee card in the first 3 months. See if you are targeted here.

Recent better offer: 150K after $20K Spend (Targeted)

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

Base
Travel
Other

Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ⚬ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ⚬ 1X elsewhere ⚬ Terms apply.

Noteworthy perks: Up to $200 a year in statement credits for airline incidental fees ⚬ Up to $400 a year in statement credits for Dell purchases ($200 Jan-June; $200 July-Dec) ⚬ Up to $120 in wireless services credits per year ($10 per month) ⚬ Up to $360 per year in credit with Indeed (up to $90 per quarter ⚬ Up to $150 per year in purchases with Adobe for annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign ⚬ $100 Global Entry fee reimbursement.⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status. ⚬ $179 CLEAR fee reimbursement annually ⚬ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits

See also: Amex Platinum Guide

The Platinum Card® from American Express
150K Points + 10x restaurants
150K after $6K spend in first 6 months + 10x at restaurants worldwide for the first 6 months on up to $25K in eligible purchases. Terms apply. (Rates & Fees)
(Offer Expires 6/8/2022)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

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

Base
Travel

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 ⚬ $200 prepaid hotel credit annually valid on Fine Hotels & Resorts and The Hotel Collection bookings. ⚬ Up to $300 in Equinox credits. ⚬ Up to $20 per month rebate for select digital entertainment services (NY Times, ESPN+, Disney+, Hulu, Peacock, Sirius XM, Audible) ⚬ $179 CLEAR fee reimbursement annually. ⚬ Up to $200 for Uber rides annually. Credit and Uber VIP status for Basic Member only ⚬ $300 credit when buying a SoulCycle bike directly from SoulCycle (up to 15 bikes per year) ⚬ $12.95 monthly credit for Walmart+ monthly membership subscription credit. ⚬ 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 or $85 TSA Precheck reimbursement once every 5 years ⚬ 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

The Platinum Card® from American Express Exclusively for Morgan Stanley
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]

FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply.


Card Type: Amex Pay Over Time Card

Base
Travel

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

Big spend bonus: $500 after $100K cardmember year spend

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ 1 Free Authorized User ⚬ Redeem points for 1 cent each into your Morgage Stanley account ⚬ $550 Annual Engagement Bonus for Reserved Clients

See also: Amex Platinum Guide

The Platinum Card® from American Express for Schwab
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee


Card Type: Amex Pay Over Time Card

Base
Travel

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: This card includes all of the great perks that come with the American Express Platinum Card, plus: ⚬ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $125) ⚬ $100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year.

See also: Amex Platinum Guide

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[…] As far as I know, there is no change to the fee when you add authorized users on the Personal Platinum, Charles Schwab Platinum, or Morgan Stanley Platinum.  Read this Frequent Miler post to learn about the different flavors of the Platinum card. […]

Chris

The renewal fee for my personal platinum posted on 1/19/22, and was surprisingly $550 and not $695. I thought starting 1/1/22 all annual fees were going to $695?

Maybe because it posted in a statement period that started December 20th 2021?

Troy

Avis Preferred Plus status should be added to your rental car options (for all Platinum Cards). Benefits:
With Avis Preferred Plus status, receive a complimentary upgrade when available every time you book1 and additional Avis Preferred points for every qualifying dollar you spend. When reserving a car with Avis, be sure to use your Platinum AWD discount code A756900 to receive discounts off your rental. Receive a free2 2-day weekend rental coupon after 2 completed qualifying rentals3 from Avis of 2 or more days each in a 6-month period. Subject to availability. Terms and limitations apply. An advance reservation is required.

Vince

FYI the Sak’s credit does not work if using the AMEX card through Paypal. Did this in order to split tender on a purchase. The credit was not applied, and denied after a chat with CSR who quoted the T&C. CSR refused to manually apply the credit. Got a lot of finger wagging in that chat….

GRAHME PEREZ

Hi Greg.

Does the $200 hotel credit for 2021 require a stay in 2021 or can the room just be booked and paid in 2021? Will I get the 2021 credit if I book a prepaid room today for a 2022 stay?

So far I’m at 292000 MR on the Resy Platinum/referral offer with 2.5 months to go at x19!

David

Just got the dreaded “not eligible for the welcome offer” when applying for the Amex Gold from a P2 referral. I opened a Plat personal almost one year ago and used it mostly towards grocery and gas for first six months. No other Amex cards. Geez!

David

BTW, I had not yet cancelled my plat though I admittedly planned to do that once I had a Gold. Only 3 other apps in the past two years.

thekobun

One thing I can’t find on searches is:
Can you change the authorized user later on the Morgan Stanley Amex platinum? And if so, how often?

Victor Dusovic

Is it possible to change from Amex Plat to Plat for MS? Or is a new application required for MS account holders? Great write up thanks!

Vic

Makes sense. Thanks for the quick reply!

Grant

Greg, do you know why AUs for the Biz Plat are $300 per person while you can get 3 AUs for $175 on the personal Plat? I never understood the reasoning.
This might become important in 2023 when you have to spend $75k in 2022 to get guest access for Centurion Lounges.

Grant

I guess that could be true. It seems like the most tangible benefits for AU cards are the various lounge programs that AUs have access to. You would think that most businesses would have several employees vs a person who wants to give access to their 2-3 family members. I would also think AMEX would prefer to have more business AUs since they probably spend more money than personal AUs.

Captain Greg

If you’ve already used the $100 dell credit for the business platinum, does that mean another $100 will now automatically come off?

[…] try to sell you an inferior offer that pays them a sales commission, this blog will not, here is a complete guide of the card. What do I think about the changes? I think they are awful. Oh, I had never heard of Equinox […]

Dror

Any way to apply for the Resy Platinum card without a SSN? I have a few Amex cards, all of which were applied for by phone and identified by my foreign passport…

king

Task for bloggers…

1) How to get amazon gift card from audible subscription through gifting .
2) How to maximize these credits in case of 2/3 cards per family. (Combining those equinox credit on multiple cards ?)
3) Even CLEAR benefit can we pay ahead for multiple year ?

Duke

IS THERE AN AMEX ULTRA PREMIUM CARD COMING OUT SOON?

Nathan

Can I use United-Clear pricing and then add a family member to it? Total comes out to 119+60 = 179 which will be covered by Platinum

Mdtravel

I’ve got two corporate platinum amex cards. I can justify the fee for only one of them. What’s an option for a product change with amex that will still earn membership rewards and allows for free employee cards?

Nick Reyes

There really isn’t a good product change option from the Business Platinum. I’d probably cancel one of them.

Bear

Blue Business Plus?

Carolyn

Quote:
A Delta SkyClub membership alone costs $545 for 12 months. You can give friends the same access when flying Delta by adding them as authorized users. How much would your friends pay you for this benefit?

The implicit suggestion here is not wise. Why would you give others access to your credit line? And if they are really your very good friend that you trust with your credit worthiness, why would you charge them?

Not good advice, IMO

Carolyn

That’s a good trick

John

Saw that Amex updated Sky miles program.

New terms says: SkyMiles Program
This benefit will end on 8/31/21.

End of partnership with Amex?

https://www.americanexpress.com/us/credit-cards/card-application/apply/supplementary/terms/platinum-card/36182-9-0

Roger

From this article if I’m interpreting correctly, for “Amex Platinum” cards, lifetime welcome bonus for regular Amex Platinum is different category from the Morgan Stanley Platinum card?

I.E If i apply approved for 75K welcome bonus through regular Amex Platinum today, a year from now I can switch/apply to Morgan Stanley Platinum card and get 60K MR Welcome bonus?

Roger

THANK YOU and can’t thank you enough. Just got the 100k offer in mail and activated my platinum card.

Vince

for the consumer Amex plat, can the AU with a gold card activate the paypal and home improvement store credits with their purchases?

Peter

Greg, wonderful Amex Platinum guide with easy to understand tables and colors.

Please update the car rental section with the complimentary Avis Preferred Plus Status.

Consider expanding the table with some other hidden benefits;
https://www.doctorofcredit.com/hidden-benefits-american-express-platinum-card/

voyager

I’m getting the dreaded “You’re not eligible for the welcome bonus … would you like to proceed” message for both Plat Business and Schwab even though I have never had those cards, I just had a regular consumer Plat in the past. Is there any known workaround? I thought these were considered different products and welcome bonuses would be available.

Frank

My Amex personal Platinum (for Morgan Stanley) has a benefit called Amex Auto Purchasing Program which claims to save an average of over $3000 off MSRP. Anyone had any experience with this? Is it like the Costco program where you have to let them know in advance so they have time to add to the prices?
I am pretty good at bargaining for a good price, but I just came across this and I am looking for a new car in the next few months.

I imagine it can’t hurt to give it a try, but was hoping I could get some feedback on whether it’s worth bothering or not.

Vaibhav Shetge

Do AU get lounge access(w/o free guest) even without the primary being present?

Frank

Hi Greg, my wife has the Platinum card for MS and one feature is a free AU Platinum card so she applied for one for me. Now AMEX wants my SSN and personal details. Does that mean they will do a credit pull on me even though she is the responsible party?

[…] Amex Platinum Complete Guide […]

Frank

Greg, you don’t mention travel Insurance coverage. I thought this was one of the best features of the card, assuming it is still available. Is it extended to all Schwab and Morgan Stanley versions as well and what about the AUs on those cards for this benefit?

Frank

And, do you know if applying for the free AU Platinum card on the Morgan Stanley card would result in a ha5rd pull of that AU and/or a 5/24 slot?

Frank

Thanks for your opinion, Greg. I thought it a good idea to get this card not just because it is free but even though my wife live and I travel together 99.8% of the time I believe it may allow extra flexibility in transferring MR points to the AU’s airline or hotel accounts. And, possibly if we travel with others we could get 6 people total into a lounge with 2 cards.

Greg, I do appreciate your experience and fast responses. Though I do read a few other blogs, none comes close to the in depth coverage like yours. Thanks, and keep up the good work in this new year!

Frank

Thank you Greg !! always a pleasure. Thanks, applied today for the AU card. It seems like all it gets is the Global Entry and Lounges as free extras or insurance if I travel alone.

[…] other Amex cards!) offers excellent return and purchase protection (against damage / loss / theft). See this post for more about the Platinum card and see this post for more on purchase […]

Andrew

As I think about the current 100K Amex point offer, I’m looking at the benefits, and no where that I’m seeing is it showing the $200 airline credit. Is it gone from these enhanced offers? Though, I didn’t see it via my offers when I’m logged in either. Or is it so standard that they don’t mention it?

Andrew

Never mind. It’s not in the benefits section on the website, but is mentioned in the details benefits terms.

[…] Gold status, Centurion lounge access, Delta SkyClub access when flying Delta, and more. See our Amex Platinum Complete Guide for […]

YAK

Quick question regarding authorized users. If I add an authorized user with a Gold card, will that still earn 10x at groceries and gas station for the next 6 months, or does that only work if the authorized user has a Platinum card? Thanks!

YAK

Thanks! Just got approved for the 100K offer. Saw it in incognito in both Chrome and Edge, but not Firefox. One more question. Will the authorized user’s Gold card prevent them from applying for their own Platinum card and receiving the sign up offer?

YAK

Thanks. Good to hear! Thinking of getting a separate Platinum for P2 but just need to figure out if we will be able to meet both spending requirements within 6 months (plus my spending requirement from Marriott Bonvoy Boundless). Even if we can, I know we will leave a lot of points on the table because there is no way we are maxing out even one $15,000 grocery/gas spend in six months, not to mention two.

Alex

Thanks for the Guide.
I have an upgrade offer to Platinum card on my Gold card for a week. Yesterday, I decided to apply directly to Platinum and get 100k welcome points. Card was approved and received. However, I still see the upgrade offer on Gold card. Interesting, can I accept the upgrade offer and get two welcome bonuses? I can meet both minimum spending requirements in 3 months, but I don’t want my Gold upgrade offer make me ineligible for 100k signed in offer or the over way around.

Last edited 1 year ago by Alex
Alex

Hi, Greg. You right, it is safer to get the new bonus first. thank you.

Jeff

Ameriprise platinums were converted as of 3/26/20 according to DOC 1/30/20 article? I think pay over time was defaulted for everyone as of this month too? Not sure if it is yet in force though

Joe

I had the now defunct Ameriprise Amex Platinum card some years ago. Was it considered a separate product, so I can be approved for the normal Amex Platinum card?

[…] can be booked with Choice points.  You can find participating properties here.  Those with Amex Membership Rewards points can transfer to Choice Privileges 1 to 1.  This is usually a poor use of […]

[…] Amex Platinum and Business Platinum cards offer free Gold status to primary cardholders and authorized users.  You must enroll in this benefit.  See: Your Platinum card arrived. Here’s what to do next… […]

[…] Amex Platinum cards come in several different “flavors”.  One of the best is arguably the Morgan Stanley Platinum Card because it offers one authorized user card for free (See: Which is the Best Amex Platinum Card?).  The authorized user gets many of the same perks as the primary cardholder (see our Platinum guide for a list of perks, along with which ones apply to authorized users). […]

[…] access, elite status in a number of programs, and other miscellaneous travel related benefits (see our complete guide for details).  As long as your authorized users aren’t traveling, those perks aren’t worth […]

[…] Platinum Card, and the Ameriprise Platinum Card (no longer available to new applicants). See also: Amex Platinum Complete Guide and Green card refresh: new 3x categories, benefits, and […]

[…] See also: Amex Platinum Complete Guide […]

[…] gift” in appreciation of my Card Membership.  This was probably thanks to my having a Platinum Card.  I’ve heard of others getting gifts like this, but this was a first for […]

[…] great perks, but you can find even more perks, including SkyClub access, on the identically priced Amex Platinum card (not to be confused with the Delta Platinum card).  And, unlike the Delta Reserve card, the […]

[…] Card (no longer available to new applicants) both offer automatic Marriott Gold status.  Similarly Amex Platinum cards offer free Gold status (you must […]

[…] Please see: Amex Platinum Complete Guide. […]

nonrevguy

At approximately 7 PM on Monday 12/2/2019, I opened a MS Access Investing account and immediately funded it with a check deposit. Tuesday 12/3 morning, I received notice that the MS Access Investing account was formally opened and invested. That same morning at approximately 10 AM Tuesday, I applied for the MS AMEX Platinum and received a 7-10 day review. The next day (Wednesday 12/4) at approximately 12:30 PM, I received notice that the MS AMEX Platinum was approved.

Laddie

I believe there is a significant typo in the National Car section. It says ‘Book midsize cars and select any car from the Executive Aisle for no extra charge’. This should say ‘Emerald Aisle’ not executive aisle. Executive cars are separate category. When you go to the National Link it enrolls you in the Emerald Aisle program.

Treesha

In comparing the Morgan Stanley and Schwab cards, if you have the $1M in assets to park, I think Schwab is a better choice.

MS is going to charge a AUM fee (I can’t find the actual %, but most investment firms are at least 1%), so you will be paying $10,000 to MS in order to get a “free” Platinum and 1 AU. That is a loss of $9450 annually.

With Schwab, you are not tied into the AUM relationship. A Plat + 3AUs will cost $525 annually ($350 AF if you have $1M, + $175 AU fee). And if redeemed as a pure cash back card, you end up getting 1.25% instead of 1% with MS.

I’d take a $525 fee over a $9450 fee any day.

CaveDweller

Treesha
TOAD TD Ameritrade I was thinking of leaving . Gave me a $1,000 cash and 3 or 4% rate on Margin and upped my interest rate on cash in my account . Maybe TO LITTLE TO LATE but pays to ASK !!!!
Good Luck .
CHEERs

nick

Also no mention of IAP program?

nick

Great summary. maybe add 5x MR on airfare direct from airlines in your chart? it only says 5x on hotel and airfare booked direct at amextravel.com right now

Neil

The Morgan Stanley card is tempting. Do you know of any bonuses/promos to shift assets to MS?

Steve

I’m visiting Greece, and the Amex Plat Uber credit is listed in the Uber app as “not available in this region.” Uber is usable, just not the credit. Sigh.

Paul

Only works in US

ReconScott

I seem to recall that AMEX views a “lifetime” as 7 years, so that after 7 years, you would be eligible for another “once per lifetime card”. Any data points on this?

MDM

Great article AS ALWAYS.

I just learned that as of 03May, the Morgan Stanley Platinum no longer includes the Boingo benefit. If you had not already signed up for it (I had not), you are out of luck.

I keep reading about all of the great Amex offers, but I never have anything interesting. Is there a trick to start getting some?

VX_Flyer

Excellent excellent excellent guide, guys. Badly needed for beginners and a reference for miles enthusiasts. This should’ve been made years ago, but I’m glad this extensive article has been written and released here.

This guide should be published in a PDF file for future reference. Excellent job, guys. Bravo!

bnmm44

Can a biz plat be PC’d to a Blue biz plus?

tro

Keep or Cancel – not sure if I’m remembering correctly, but haven’t there been recentish reports of clawbacks for people who cancel cards in the first year or even at first year renewal? Or do you consider that so rare as to not factor into the keep-or-cancel decision?

kurson

If this fee appears on my account, do I have to pay it? Isn’t it?

Alex

Thanks for the guide.
Question – if I’m flying Delta but then have a same day connection on a different airline (AA), will I still be able to use the Delta lounge during the layover? Thanks.

Paul

You can use it on departure or arrival so yes.

xshanex

Does the free Gold Card that you can get an AU if you have a platinum card earn 4x at Grocery Stores on the 1st $25k?

David

Sadly, it doesn’t. It earns at the same rate as the Platinum.

Treesha

The Platinum card doesn’t earn 4x at grocery stores, therefore the AU card wouldn’t earn 4x either. Amex Gold is a completely different product with its own $250 AF.

David

What do you think the odds are of a green card refresh as Dr of Credit has noted as a rumor?

Debit

First.

The index looks very nice. Like a professional.