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Should You Get Amex Platinum for Its 100,000 Point Bonus?

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Update: Some offers mentioned below are no longer available. View the current offers here – The Platinum Card from American Express, The Enhanced Business Platinum Card from American Express OPEN

Many people have reported being targeted for the 100,000 point offer for The Platinum Card from American Express through the CardMatch Tool. Be sure to check for yourself to see what offers are available to you (there is no credit check)!

This week, I again received one of the questions I’m asked most frequently, via a tweet from TPG reader Stephen:

@thepointsguy Do you recommend the American Express Platinum (or its business version), with its 100,000-point sign-up bonus?”

In short, the answer is absolutely. Even if you don’t know how to really maximize Amex points, those 100,000 points are worth at least $1,000 in travel, which more than makes up for the $450 annual fee.

The American Express Platinum card is one of the most expensive credit cards out there, with a $450 annual fee. There have been some pretty significant changes to the card over the last couple of years, most notably in April, when it stopped providing access to US Airways and American Airlines lounges. However, the card does still give you access to Delta lounges and Priority Pass Select, and American Express occasionally adds new features, like unlimited Boingo Wifi and a statement credit for TSA Pre-Check, in addition to the existing $100 free Global Entry credit and $200 in airline rebates. To receive the airline credit, you need to select a qualifying airline.

One key factor makes getting this card a no-brainer: American Express is currently sending targeted offers to some individuals for 100,000-point sign-up bonuses for both the Personal and Business Platinum cards. In this case, I’m always going to advocate that you get one of these cards, because you’re then paying $450 for all of those perks plus 100,000 Membership Rewards points. In particular, the Business Platinum card offers a 25% bonus for redeeming through American Express Travel, so those 100,000 points are worth $1,250 in flights, hotels and more.

If you decide after a year (or even down the line) that the card isn’t for you, Amex will pro-rate the annual fee, or allow you to switch to their new EveryDay card, which has no annual fee and still allows you to keep your Membership Rewards points active.

Let me know if you have any other questions by messaging me on Facebook, tweeting me @ThePointsGuy, or emailing me at

Also, see this related post:

American Express Platinum Card – Still Worth It With No American/US Airways and Restricted Delta Lounge Access?

The Platinum Card® from American Express

Apply Now
  • Earn 40,000 Membership Rewards® points after you use your new Card to make $3,000 in purchases in your first 3 months.
  • 5X points for flights booked directly with airlines or with American Express Travel.
  • $200 Airline Fee Credit, up to $200 a year for baggage fees and more at one airline. Terms Apply.
  • Enroll to enjoy the benefits of complimentary Hilton HHonors™ Gold Status with your Platinum Card.®
  • No interest charges because you pay your balance in full each month.
  • Terms and Conditions apply.
  • See Rates & Fees
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A N/A $450 0% Excellent Credit