It also earns 3 points per dollar on dining, 5 points per dollar on travel purchased through Chase Ultimate Rewards and 2 points on all other travel. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. The Lounge Collection includes Priority Pass Select membership and access to Delta SkyClubs, Escape lounges, Plaza Premium lounges, Air Space lounges, Centurion Lounges and International American Express Lounges. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases. When it comes time to get a new card, the survey found, 54% look for a no annual fee credit card. Another option is to instead apply for a different version of the Amex Platinum. | You charge enough that the rewards you earn offset the fee. That's enough to give almost anyone sticker shock. This included hundreds of dollars worth of annual statement credits one which can offset the price of Clear, a program that expedites your airport security experience. Terms apply to all benefits listed below1 and all offers listed are subject to change. A recent national survey conducted on behalf of Experian found that 33% of Americans with credit cards are concerned by annual fees. . The welcome offer is also something to consider in your calculations, but only for the first year. A: No, American Express does not charge an annual fee immediately. . A final point on the math: Dont forget to consider interest charges. Please try again later. If you have questions, please consult your own professional legal, tax and financial advisors. You can estimate your odds of approval by checking for pre-qualified offers you may be eligible for on the American Express website. Underwritten by AMEX Assurance Company. Do I pay upfront if I get approved or torward the end of the fiscal year. I was told by CS that the Amex Ascend fee does not get included in the one annual fee policy - asked them to check multiple times and just stopped short of saying . Both the The Platinum Card from American Express for Charles Schwab* and The Platinum Card from American Express exclusively for Morgan Stanley* offer credits toward the annual feebut only if you hold substantial assets at the corresponding brokerage. Proudly powered by WordPress AMEX Platinum Charge members are entitled to two complimentary supplementary cards (a S$160.50 fee applies for the third card onwards), a benefit you should absolutely max out. Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. These are federal laws that provide certain protections to active duty military. Youll need to register for these elite statuses on the Amex website. For new card members (as of July 1), the new fee will go into effect immediately. Major Amex Platinum changes Annual fee As of July 1, 2021, all new Platinum Card members will be charged the increased $695 annual fee. This can add up to big savings. These offers are not extended to everyone and may depend on your purchasing and payment behaviors, but may include statement credits or Membership Rewards to offset the cost of the annual fee. Enrollment required. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Learn all about finances in next to no time. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Macys American Express - 6400, 19,000. It has a $95 annual fee and comes with perks like a complimentary DoorDash DashPass membership through 12/31/24. You can book up to three rooms and receive these benefits on each room. This card shines for this use, but overall the star ratings may differ when compared to other cards. Here are some ideas for using your Amex Platinum airline incidental credits throughout 2023: Pay for seat assignments, checked bag fees, and food and beverages on future flights. Because TSA PreCheck is included with Global Entry, it is advantageous to apply for Global Entry to use the entire $100 credit every 4 years. Those users are eligible for some of the same benefits as the main account holder, including lounge access, Global Entry/TSA PreCheck reimbursement, hotel elite status and Amex Fine Hotels + Resorts benefits (not to mention Amex sometimes offers cardholders bonus points for adding authorized users). Each calendar (not account anniversary) year, cardmembers can get up to $200 back in statement credits toward incidental fees on a single U.S. airline of their choice that they designate. Once you've selected your airline, you can simply charge these expenses to your Amex Platinum card and you'll automatically be reimbursed in the form of a statement credit within 4 weeks of the charge posting to your account. Cost includes $12.95 plus applicable local sales tax. The Platinum Card from American Express now carries a $695 annual fee, but for many travelers, the cards benefits will more than offset that charge. Getting the yearly fee for Amex Platinum to be waived The annual charge for all American Express cards is eliminated for active-duty military personnel, according to a spokesman of the credit card company. For many, the customer support they receive as a Platinum card member makes the annual fee worthwhile. The primary Card Member is responsible for all spending activity and must pay for all charges made by Additional Card Members. But if you can strategically plan purchases you were already going to make that align with the benefits of the card, it is still worth it. You want features available on cards that charge a fee, such as an introductory bonus or the ability to transfer points. See rates & fees) has long been one of the most popular travel rewards cards available thanks to the usefulness of the Membership Rewards points it earns as well as an array of valuable perks. While this won't directly offset my out-of-pocket cost for keeping the card, 55,000 Amex points can be worth far more than the annual fee. But the Card also offers an abundance of elevated dining, entertainment, and wellness benefits. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. At one end of the spectrum are cards branded for airlines or hotel chains these cards often charge annual fees of $95 and up. Before we get into the details of the benefits on the Platinum Card from American Express, here is a look at the cards current welcome offer and ongoing perks. We do not cover every offer on the market. Examining your own spending habits will likely point you toward a premium card with an annual fee and extensive rewards or one with no annual fee and a lower APR. For those who don't want to fork over north of $500 for an annual fee, consider the Capital One Venture X Rewards Credit Card. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. Clear lets you use biometric kiosks for identification purposes so you can skip the TSA agent shuffling through other travelers' identification and head straight to the baggage security line. Terms, Conditions and Limitations Apply. Assuming you take one or two rides or place an Uber Eats order in the U.S. each month, its easy to max out this perk. The fee is charged most often in these two cases: The fee is typically charged in full when you open your account and then once a year in your anniversary month, though a few cards will divide the fee into installments and collect it monthly.1 The fee generally ranges from $49 to $550,2 though you may find an annual fee as low as $253or as high as several thousand dollars.4 But there are also many no annual fee credit cards. ShopRunner membership includes free two-day shipping and free return shipping on eligible items at participating online stores. To get an Amex annual fee refund after closing an account, call customer service at (800) 528-4800 within 30 days to request a refund check. 2. They include an annual airline fee credit, an annual hotel credit, annual credits for Equinox, digital entertainment and Clear, monthly Uber cash, a bi-annual Saks credit and an every-four-years Global Entry or TSA PreCheck credit. The statement credits described in the previous section can easily help bring your effective annual fee down from the published $695 per year to $0 per year. It currently has a 60,000-point welcome bonus which you'll earn after spending $4,000 in the first three months of card membership. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025, Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. We'd love to hear from you, please enter your comments. Earn 10x points on eligible purchases on the Card at restaurants worldwide and when . Theres a limit of one benefit package per stateroom and a three-stateroom limit per cardmember per sailing. Thankfully, the up to $200 prepaid hotel credit is fairly easy to . Clear expedited airport security program: Is it worth it? This compensation comes from two main sources. Between the welcome offer, laundry list of benefits, consumer protections and excellent concierge service, it is an experience having the card. $695 annual fee . Make sure to activate this credit first under the Benefits section of your Amex Platinum account, which will then send you to the Clear website to sign up for the membership. American Express Platinum card Fees Annual Fee: $695 Cash Advance Fee: 5% (min $10) Foreign Fee: 0% Max Late Fee: $40 By Allan Halcrow | American ExpressCredit IntelFreelance Contributor. Are you sure you want to rest your choices? However, many of the above values are estimates. Earn 10,000 Membership Rewards Points. Plus, youll earn 5 points per dollar on prepaid stays booked online through FHR. Uber VIP status and up to $200 Uber credit, split into monthly $15 credits for U.S. rides plus a bonus of $20 in December. But that is only valuable to you if you use them. Related: Best credit cards for streaming services. Is a Credit Card with an Annual Fee Worth It? Through Amexs International Airline Program, cardmembers can get discounts on premium economy, business- and first-class tickets on around two dozen airlines. You must check at least one of the boxes to proceed. The monthly credit can be used on multiple rides, but any portion of it that remains unused doesnt roll over at the end of the month. Uber Cash and Uber VIP status is available to Basic Card Member only. However, these benefits and rewards don't come cheap the annual fee on the card is $695 (see rates and fees). A: There are a few ways to avoid paying the Amex Platinum annual fee: 1. That's $750 when you redeem through Chase Ultimate Rewards. You travel often, and want the perks offered by certain cards. If you took a critical look at your spending habits and decided this card just isnt worth it for you, there are plenty of other travel credit cards on the market at lower annual fees. 21.99% p.a. Visitamericanexpress.comto learn more. Plus, the various other benefits of the card can be worth even more for most frequent travelers. The Platinum Card has a $695 annual fee.1 Though the fee is paid once a year, the math works out to about $58 a month. The venerable Platinum Card has a $695 annual fee. The new benefits go into effect on July 1, 2021 for both existing and new card members. Related: Key things to know before getting Global Entry. Related: Your guide to the Amex Platinum Saks Fifth Avenue credit. Related: At home or at the gym: The best credit cards to maximize your next workout. I'm interested in getting the Amex Platinum card with waived annual fees for military on my active duty tour. One of the card's other, newer benefits that can help you save time and stress at the airport is the annual statement credit for Clear membership of up to $189, which should cover the whole cost to join this program. If you actually plan to use them, that is. Up to a $155 statement credit that covers the cost of a monthly. Things To Do Before Canceling A Credit Card, Best Credit Cards: Reviews, Rewards & Offers, Chase Sapphire Preferred Credit Card Review, High reward potential on flights and hotels booked through American Express Travel, Multiple credits can help justify the fee, Luxury travel benefits and elite status with Hilton and Marriott with enrollment, Maximizing the statement credits takes some work and could be unworkable for many, Reward rate outside of travel is sub-par for a premium card. A Housing Market Prediction From Counting Crows? Cardmembers receive up to $200 in statement credits each calendar year when booking a prepaid stay via Amex Fine Hotels + Resorts or The Hotel Collection on Amex Travel. At home or at the gym: The best credit cards to maximize your next workout, seemingly comes with every premium credit card, prepaid Amex Fine Hotels & Resorts bookings made online, eligible Amex Fine Hotels & Resorts stays, The American Express Global Lounge Collection, youll need to request your membership card, these guests will also need to be flying Delta, 5 points per dollar on prepaid stays booked online through FHR, full guide on the Fine Hotels + Resorts Program, The Hotel Collection with American Express Travel, full guide to the Cruise Privileges Program, National Car Rental Emerald Club Executive, Do Not Sell or Share My Personal Information, Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases within the first six months of card membership. In an attempt to make the Platinum Card more lifestyle-focused, Amex added a digital entertainment credit that offers reimbursement for the following services: Audible, Peacock, SiriusXM and The New York Times. To be eligible, you must enroll in ShopRunner and use your Amex card for purchases through ShopRunner. See offer terms for details. How do I Redeem Membership Rewards Points? Looking beyond the welcome offer, which is pretty lucrative, you will have to map out which of the perks of The Platinum Card from American Express you will eventually utilize and to what extent. Instead, we'll look at the card's ongoing benefits. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 10X miles on hotels and rental cars, 5X miles on flights when booked via Capital One Travel; unlimited 2X miles on all other eligible purchases, Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. When the annual fee comes due again, youll be able to make a more educated decision on whether you want to keep it and enjoy the benefits for another year. Please visit americanexpress.com/benefitsguide for more details. One TPG writer received 30,000 bonus points in 2021 just for keeping his card open another year. Comparing Annual vs. No Annual Fee Credit Cards. If youve decided that the card is worth its annual fee, heres the official application link: The Platinum Card from American Express with 80,000 Membership Rewards Points after you spend $6,000 on purchases within the first six months of card membership. Cardmembers receive a $100 shipboard credit for inside and outside staterooms; a $200 shipboard credit for balcony, veranda and mini-suite staterooms; and a $300 shipboard credit for suites and other select staterooms on select cruise lines. Whether you're a current Amex Platinum cardholder or are considering applying for it, it is advantageous to consider all options available. Remember: While Additional Card Members are not account owners, they are authorized to use the primary Card Members account. That said, theres no denying that $695 is a lot of money. Card Members can apply for TSA Pre through any Authorized Enrollment Provider. The $200 . You will be charged the annual fee on your first statement after your account anniversary date. However, this depends on you leveraging each credit to its maximum. Find the best credit card for you by reviewing offers in ourcredit card marketplaceor get personalized offers viaCardMatch. Amex Platinum Quick Facts. Here are the best travel credit card welcome bonuses so you can save up to $750, The best luxury and premium credit cards if you want the best perks, Why the Fed raising rates could make your savings account more valuable and debt more expensive, How to get Super Bowl LVII tickets and VIP packages with points from multiple rewards programs, Last chance to get presale tickets to Taylor Swift's 'Eras Tour' through Capital One. Must select one airline and charge to Amex Plat. Unfortunately, the Equinox and entertainment credits are more like coupons. If you have travel purchases like flights and hotels coming up, you can take advantage of the 5X points for every dollar spent on travel booked through American Express. Bank of America - 9,100. The statement credits alone could provide nearly $2,000 in value, far more than the cost of the annual fee. Eligibility and Benefit level varies by Card. Each year you can get one $50 statement credit for Saks purchases between Jan. 1 and June 30 and another $50 statement credit for purchases between July 1 and Dec. 31. Offers may be subject to change without notice. If you can maximize all of its annual statement credits, youre looking at nearly $1,600 in value. Unfortunately, there generally isn't a way to waive the Amex Platinum's annual fee, unless you're on active duty in the military, for example. You will receive complimentary Gold status benefits when you book directly at Hilton properties. 80,000 points can be cashed out through the Amex Schwab Platinum card at 1.1 cents per point, making 80,000 Amex worth $880 cash. Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards per. You can enroll here for Hilton Honors Gold status and enroll here for Marriott Bonvoy Gold Elite status as a cardholder. American Express Platinum Charge Card is often called 1712 - a reference to its princely annual fee of S$1,712. However, note that these figures are based on earning status the regular way through nights and stays and leveraging those benefits on those nights and stays. Eligibility and Benefit level varies by Card. You could also argue the Global Entry or TSA PreCheck application fee credit is a moot point since many other (less expensive) travel credit cards already offer this benefit. Complimentary Marriott Bonvoy Gold Elite status. How do I Redeem Membership Rewards Points. So, I wont assign specific values to them, but will outline their scope so you can estimate their value for yourself. To view rates and fees for The Platinum Card from American Express please visit this page. Others may not be able to easily access these benefits based on location or travel habits. We want to help you make more informed decisions. Jul 27, 2022 Annual fees on the American Express Platinum card are typically charged on the account anniversary date. Although the rewards you earn generally are limited to the brand, the annual fee may still be a good deal. Whats more, Additional Card Members will receive benefits including but not limited to Global Entry or TSA Pre fee credits. TPG values Hilton Honors Gold status at $1,255 and Marriott Bonvoy Gold Elite status at $840 based on certain stay and spending habits. Annual fees are typically charged after the first year of membership. That said, maximizing each and every one of them requires an "extreme couponing" mindset that many cardmembers might not be able to muster. Sign up for our daily newsletter! Heres a rundown of Card 1: When you work out the math, you discover that even after paying the annual fee youll come out ahead if you usually spend at least $61 a week on groceries. | BestCreditCard. On the other hand, if you will take advantage of its ongoing benefits, such as lounge access, Fine Hotels + Resorts bookings, Marriott and Hilton elite status, and International Airline Program ticket savings, as well as even just one or two of the credits, then springing for the Platinum Card from American Express is probably worthwhile. Not only can you earn Membership Rewards points for Additional Card Member purchases in the same way you do on your own, Additional Gold Card for Platinum Card Members get benefits like Global Entry or TSA Pre fee credits and access to The Hotel Collection.8 Adding an Additional Card Member can also be an effective way to help that person learn financial responsibility and establish credit if theyre 18 or older. The Forbes Advisor editorial team is independent and objective. At the same time, the Platinum Card can help you get access to over $1,500 value in benefits. Cardholders earn 5 points per dollar on airfare when booked directly with airlines or with American Express Travel. DEXSTA's Visa Platinum Card Offers A 2.99% Introductory Rate For Borrowers. If you have questions, please consult your own professional legal, tax and financial advisors. 3. The use of this website means that you accept the confidentiality regulations and the conditions of service. 7 Card Members must link their Platinum Card to their Uber app. Youll also get an additional amenity like a bottle of wine on select cruise lines. It is offering a welcome offer of 60,000 points when you spend $4,000 on eligible purchases within six months of card membership, and earns 4 points per dollar on dining and at U.S. supermarkets (up to $25,000 per calendar year, then 1 point per dollar), as well as 3 points per dollar on airfare booked directly with airlines or through Amex Travel and 1 point on everything else. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Eligible Equinox membership types include Single Club, Regional Access, All-Access, Destination Access, and E by Equinox access. The annual fee is $175 for up to three Additional Platinum Cards, then $175 for each Additional Platinum Card thereafter. Depending on how you use it, they say, a card with an annual fee even a high one may make better financial sense than a no annual fee credit card.6. Starting in 2023, statement credits for the $300 Equinox Credit benefit will be provided on an annual basis of up to $300 per year and will no longer be provided on a monthly basis of up to $25 back per month. On cards designed for people with no credit or poor credit who therefore pose a greater risk of defaulting on payments. Allan Halcrowis a freelance writer concentrating in business, human resources, and diversity and inclusion. Some links on this page clearly marked may take you to a partner website and may result in us earning a referral commission. Terms, Conditions and Limitations Apply. 3 weeks ago Seth. If you dont, the no annual fee credit card may be the better choice for you. Some of the Amex Platinum's benefits discussed below may provide no value to you but significant value to someone else. Earn 80,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership, The Amex Platinum Card earns 5 Membership Rewards points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases. In many cases, cards with an annual fee may be a better value. To decide whether its worthwhile opening the card and keeping it, you will need to look at its ongoing qualities and how much value youre likely to reap from them. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. See. At the end of the day, it's not financially savvy to spend more money just to take advantage of the card's benefits. The American Express Business Platinum card offers up to $200 annual airline fee credit. Note that the card also confers up to $300 in statement credits when purchasing one SoulCycle at-home bike (which retails for $2,500 apiece) on up to 15 bikes per calendar year. Ready for a trip? If you want similar travel perks to the Amex Platinum and you run a business, consider The Business Platinum Card from American Express. Below, Select breaks down the Amex Platinum's rewards, benefits and fees to help you decide if it's the right card for you, despite the high annual fee. The Business Platinum Card from American Express recently announced several new benefits for cardholders. Though rental car perks are hard to quantify, the conveniences, discounts and time-saving benefits like guaranteed availability and return grace periods can be invaluable especially with recent shortages. All of this is on top of the many perks Platinum has been known for, including 5X Membership Rewards points on flights and prepaid hotels and several benefits and credits, including: Platinum goes the extra mile to replace lifes hassles with everyday adventure through perks and services like access to the Global Lounge Collection, including the recently expanded Centurion Network of Lounges and Studios, so you can travel in comfort. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. Get $200 back in statement credits each year on prepaid hotel stays at either Fine Hotels + Resorts or The Hotel Collection, which requires a minimum two-night stay. Between the numerous travel benefits, reputable concierge service and consumer protections, the card is worth considering if you can stomach the steep annual fee. Bread Cashback American Express Credit Card Review: Good for Flat 2% Cash Back, Light on Benefits, How to Decide Between the Amex and Chase Trifectas, or Create Your Own Card Combination to Maximize Rewards, The Amex Trifecta: Maximize This Card Trio for Travel Upgrades and Savings, American Express Blue Cash Preferred vs. Wells Fargo Active Cash: Two Great Cash Back Cards for Everyday Purchases, Chase Freedom Unlimited vs. American Express Blue Cash Preferred: Two Top Cash Back Cards, Marriott Bonvoy Brilliant American Express Credit Card Review: Premium Benefits for Frequent Marriott Travelers, Amazon Business Prime American Express Card Review: 5% Amazon Savings or 90-Day Interest Free Period on Purchases, Delta SkyMiles Blue American Express Card: No Fee Option for Delta Travelers with Few Benefits, Delta SkyMiles Reserve American Express Card: Lounge Access and Premium Perks for Frequent Delta Flyers, Amex EveryDay Preferred Credit Card: Great Rewards Boost for Frequent Spending, Samantha Rosen is a former editor at NextAdvisor. Morgan Stanley Amex Platinum card members also get one authorized user at no additional charge (a $175 annual value) and their American. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. There are strong arguments in favor of the card, such as an impressive roster of 17 airline and three hotel transfer partners including British Airways and Delta, extensive airport lounge access perks, a Global Entry or TSA PreCheck application fee waiver every four years (up to $100), an annual airline fee credit, Uber credits, medical evacuation travel protection, travel insurance and more. While you may or may not subscribe to the eligible services, it can certainly help offset the cost if you are already using one of the services listed above. Whats more, Platinum also helps get you exclusive access to sought-after restaurants around the globe thanks to Global Dining Access by Resy, your personal digital dining concierge. The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. Plus, earns 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually. Instead, all other credits are shared across all Cards on the account. After all, you could always downgrade to Amex Platinum to a lower-fee card later on. When the representative mentions the annual fee, find out if they would be willing to waive the fee for the first year. Offers up to a $ 155 statement credit that covers the cost a! If you want features available on cards that charge a fee, such as introductory... 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