Now 125K + 15x Platinum via Resy!


Just a quick post to alert readers that we updated this morning’s post about the new changes to the Platinum card. There is now an even better offer available via restaurant reservation website Resy that’s good for 125K points after $6K in purchases in the first 6 months plus 15x at restaurants worldwide and when you shop small in the US on up to $25K in combined purchases in the first 6 months. If you were able to max this offer out, that would be 500,000 Membership Rewards points from a single credit card. That’s bananas.

The Offer & Key Card Details

For more card information and to find a link to apply, click the card name below to go to our dedicate Platinum card page.

Card Offer and Details
The Platinum Card® from American Express
125K points + 15x when you Shop Small in the US & at restaurants worldwide
125K after $6K spend in first 6 months plus 15x on eligible purchases when you Shop Small in the US and at restaurants worldwide on up to $25K in purchases in the first 6 months. Terms apply. (Rates & Fees)

$695 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 ⚬ $200 prepaid hotel credit annually valid on Fine Hotels & Resorts and The Hotel Collection bookings. ⚬ Up to $300 in Equinox credits. ⚬ Up to $240 in credits for select streaming services annually. ⚬ $179 CLEAR fee reimbursement annually. ⚬ 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 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

Quick Thoughts

This offer is absolute insanity. The big increase in annual fee is more than compensated for between the additional 25K points and the fifteen points per dollar spent in the bonus categories. This could be downright amazing if you are planning a wedding that is catered by a restaurant (or a small business!) or the company holiday party at a restaurant or you otherwise spend a lot of money with small businesses. I wonder if any car dealerships code as small businesses and would take a credit card for the full purchase price of a car (before you say no way, I’ve written about that before — while some details in that post are out of date, the fact is that you can indeed find some dealerships that will take a card…). If you manage to max it out with $25K restaurant and small business spend, you’d end up with:

  • $25K x 15 = 375,000 points
  • 125,000 points from the welcome offer
  • Total = 500,000 Membership Rewards points

Based on our Reasonable Redemption Value for Membership Rewards points, that’s worth roughly $7,500. It could obviously be worth tons more via transfer partners in the right situations. That’s incredible.

While I know that number won’t be realistic for everyone, even if you only do $6K in purchases at small businesses and restaurants to trigger the welcome bonus you would have 215,000 points. Anything else is gravy — and at 15x, that gravy train has a lot of steam.

If you have ever thought that maybe the Platinum card was a good fit for you, this is an offer not to pass up if you’re eligible. I know we’ve thought the same thing for the past 7 or 8 months with the previous 100K + 10x offer and I know that supermarkets and gas stations may have been easier categories in some situations, but given a bonus that’s 25% higher and earnings that are 50% more in the bonus categories, this is really just a massive offer with huge potential. I don’t know what will happen if you spend money at a business that is both a small business and a restaurant — I assume you’ll just get 15x. Imagine saying that a year ago — just 15x on a restaurant purchase. Wow.

H/T: John in our Frequent Miler Insiders

Please enter all required fields Click to hide
Correct invalid entries Click to hide
Notify of

This site uses Akismet to reduce spam. Learn how your comment data is processed.

newest most voted
Inline Feedbacks
View all comments