12 hours ago
This Amex Platinum Offer Could Score You As High As 175,000 Bonus Points
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There's a massive The Platinum Card® from American Express (Terms apply, see rates & fees) welcome bonus floating around, but it's playing hard to get.
If you've been eyeing the Amex Platinum, you might want to check your personal offers ASAP. The Platinum Card may flash a bonus of 175,000 points, but whether you get it depends on what's behind the velvet rope.
Unlike the standard 80,000-point public offer, this one is all about personalization. You'll see the biggest number up front, but your actual welcome bonus might be lower depending on your credit profile, card history and other mystery metrics.
That means some applicants will receive a personalized offer as high as 175,000 Membership Rewards® Points after spending $8,000 on eligible purchases on the card in the first 6 months of card membership (approval required, welcome offers vary and you may not be eligible for an offer). Others might see a lesser offer or may not qualify for anything.
Here's how to find out where you land.
There are a couple of ways to see if you qualify for the new Amex Platinum offer.
The easiest way is to use a special link that includes the 'as high as' language, which has been emailed to Amex customers, on the Amex website, or from the application link on this page.
Once you click through, you'll land on the Amex Platinum offer landing page, where you can click 'Apply Now' to fill out a short form with information like your Social Security number and income. Once you submit your information Amex will run a soft credit check to show you the specific welcome bonus you're eligible for, if any. This won't affect your credit score, and you're under no obligation to continue if you don't like what you see.
If you're eligible, you'll immediately see your personalized welcome bonus. At that point, you can either accept your offer (which may impact your credit score) or hit 'Withdraw Application' and exit without any impact on your credit. If you accept the offer you will have to meet a spending requirement in the allotted time to receive the bonus.
Let's not sugarcoat it, the $695 annual fee on the Amex Platinum card isn't cheap. But if you travel even a few times a year, the perks can be worthwhile.
Lounge Life Goals
Centurion Lounge? Priority Pass? Delta Sky Club (when you fly Delta)? Yes, yes, and yes. Cardholders can also expect free food, drinks, Wi-Fi and a quieter place to wait than the standard gate area.
Stacked Statement Credits
Earn back up to $200 in airline fees, up to $200 in Uber Cash, and up to $240 toward streaming services each year (terms apply, see rates & fees for details). That's nearly $650 in value, almost covering the annual fee right there.
VIP Hotel Treatment
Cardholders get elite status with Hilton and Marriott, plus luxe perks through Fine Hotels & Resorts like upgrades, free breakfast and late checkout.
5x Points on Flights and Amex Travel
Flights and prepaid hotels booked through Amex Travel earn 5x points. Add that to a huge welcome bonus, and you're basically bathing in Membership Rewards.
Other Extras
Earn CLEAR credits, Walmart+ perks, purchase protection ¹ , return protection ¹ and concierge access for last-minute table reservations (you didn't plan ahead for).
It's unclear how long the 'as high as' feature will be available or whether similar offers will roll out for other cards. If you do see the offer, it's worth checking your personalized bonus, since it won't affect your credit score unless you accept the offer which you're under no obligation to do.
This card may be a good fit for frequent travelers who can take advantage of the lounge access, hotel perks and high-value travel credits. For those who fly several times a year, the benefits can outweigh the $695 annual fee. But if you don't travel often or don't typically spend much on flights and hotels, it may be harder to justify the cost or fully use the perks.
Ultimately, this is one of the highest public offers currently available on a premium card—but whether it's worth it depends on your travel habits and how much value you'll realistically get from the benefits.
To view rates and fees for The Platinum Card® from American Express please visit this page.
¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit for more details. Underwritten by AMEX Assurance Company.
