AmEx Platinum Card (2017.12 Updated: 100k Targeted Offer via CardMatch Is Alive Again!)

Platinum Card from American Express Review

2017.12.1 Update: People reported to see the 100k targeted offer via CardMatch again! Good luck.

2017.11.8 Update: Today it seems all AmEx cards disappeared from CardMatch. It seems the 100k offer is dead.

2017.11.7 Update: Many people reported they see the 100k targeted offer via CardMatch, and the spending requirement is $5000 in 3 months. And according to one of our readers, he can see the 100k targeted offer even though he already has other AmEx cards! Of course, most people won’t see this offer, but if you are interested in this card, there’s nothing to lose to have a try. Good luck! Note that you need to select “All Offers” on the left on the offers result page.

2017.3.30 Update: The new benefits have arrived today!

Application Link


  1. Earn 75,000 Membership Rewards (MR) Points after spending $5,000 in first 3 months. The best public offer in recent years is 100k MR, and you may also get 100k targeted offer if you never have an AmEx card. Considering you can only get each AmEx credit card bonus once per lifetime, DO NOT APPLY when the offer is not 100k. If you are interested in the benefits of this card and can’t wait for the 100k offer to come, you can consider similar cards: AmEx Platinum Card for AmeripriseAmEx Platinum Card for Mercedes-Benz, or AmEx Platinum for Schwab.
  2. We estimate that Membership Rewards (MR) are worth about 1.6 cents/point, see below for a brief introduction. So the 100k highest sign-up bonus is worth about $1600!
  3. Earn 5x MR points for flights booked directly with airlines or with American Express Travel.
  4. New: Earn 5x MR points for hotels booked directly with airlines or with American Express Travel. Earn 1 Membership Rewards Point per $1 spent on all  other purchases.
  5. $200 airline fee credit for incidental charges such as checked bags or even airline gift cards per calendar year. Because this benefit resets according to calendar year instead of when you opened the card, you can actually get airline fee credit TWICE during the first year! Note that this benefit is not automatically enrolled, you need to enroll and specify an airline by clicking here.
  6. New: $200 in annual Uber credits ($15 per month, $35 in December). The credits will expire every month.
  7. Complimentary access to the following airport lounges:
  8. Complimentary . Use this link to activate.
  9. Complimentary Hilton Gold Status. Use this link to activate.
  10. Complimentary membership for Avis, Hertz, and National membership. Use this link to activate.
  11. Complimentary Boingo membership (Free Airport Wi-Fi). Use this link to enroll.
  12. Up to $100 credit for Global Entry or TSA Precheck application fee.
  13. Fine Hotels and Resorts (FHR): if you book hotels through FHR, you can enjoy the benefits of elite members; such as room upgrades, free Wi-Fi, free breakfast, etc. The benefits vary by hotels.
  14. Platinum Card Concierge service: for the busy or even lazy, you can use this service to book hotels or reserve restaurants and so on, the service is said to be very, very good.
  15. With this credit card, you can get access to Amex Offers, which often offers very good discounts at some stores. In the past we have seen offers like: Spend $15 or more and get $5 back at Walmart; Spend $75 or more and get $25 back on
  16. No foreign transaction fee.
  17. Authorized users also have access to the airport lounges mentioned in 7. The $200 annual air credit is shared between cardholder and authorized users.
  18. This card is relatively easy to get approved for because it is a Charge Card, not a Credit Card. Charge card means that you don’t have the option to pay only minimum payment, you have to pay your balance in full on the due dates. Note that Charge Card applications will also result in a Hard Pull, just like Credit Card applications.
  19. Charge Cards have no pre-set spending limit.


  1. New: $550 annual fee, NOT waived for the first year. Note that annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)! 
  2. For up to three Additional Platinum Cards, the total annual fee is $175.

Introduction to MR Points

Recommended Application Time

  1. You can get the sign-up bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
  2. AmEx doesn’t care about the number of hard pulls.
  3. You can try to apply for it when you have a credit history of 6 months.


When the offer is 100k, it is a fantastic offer! If you only keep this card for one year, you will get 100k MR points (is worth about $1600), two airline fee credit ($200*2), and $200 uber credit. The cost is just the first year annual fee $550. So in total, the net income is about $1650!!! The 100k public offer doesn’t show up frequently, and usually dies in 2~3 days, so if you see the 100k offer, don’t hesitate to apply IMMEDIATELY! Considering you can only get each AmEx credit card bonus once per lifetime, DO NOT APPLY when the offer is not 100k. If you are interested in the benefits of this card and can’t wait for the 100k offer to come, you can consider similar cards: AmEx Platinum Card for Ameriprise, AmEx Platinum Card for Mercedes-Benz, or AmEx Platinum Card for Schwab.The travel perks are great but the earnings rate is not impressive so I wouldn’t call this card a keeper. Note that there are a lot of perks in this card, and some of them need to be enrolled by yourself, don’t forget to enroll them after receiving the card! If one day you don’t want to keep this card any more, but still want your MR points, you can apply for the AmEx EveryDay (ED) (no annual fee) to keep the MR points and use them in the future.

If you have never had an AmEx card, you may see a 100k pre-qualified offer here using incognito mode:  See if We Have Any Pre-Qualified Offers for You.

To Do List After You Get The Card

  1. Enroll in Airline Fee Credit benefit and choose a carrier. You must enroll and choose a carrier prior to making a reimbursable purchase.
  2. Enroll in Priority Pass Select (PPS).
  3. Enroll in SPG Gold.
  4. Enroll in Hilton Gold.
  5. Enroll for Avis, Hertz and NationalCar Rental Privileges.
  6. Enroll in Boingo American Express Preferred Plan (Wi-Fi internet access).
  7. Apply for ($100 reimbursement) or TSA PreCheck ($85 reimbursement).

Related Credit Cards

Note that, although the look and benefits of the following cards are almost the same, they are different products, and they don’t affect each other’s sign-up bonus:

Recommended Downgrade Options

  • You can not downgrade this card to any card with no annual fee, so I suggest you close it when you don’t want to keep it any longer.

After Applying

  • Click here to check application status.
  • AmEx reconsideration backdoor number: 877-399-3083. The “real” backdoor number of Amex is well protected. Different from Chase, the representatives from this AmEx reconsideration backdoor number only have the right to help you submit requests.

Historical Offers Chart

Application Link

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