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Credit card · American Express
Last verified June 3, 2026

American Express Platinum

Up to 175,000 Membership Rewards points after $8,000 spend in 6 months — an elevated offer tied to the 2025 card refresh. Worth ~$1,750 at a conservative 1¢, considerably more through airline transfer partners. The $895 annual fee is the highest on the market and only pencils out if you use the airline, hotel, Uber, and retail credits in full.

The deal

Spend $8,000 on eligible purchases within the first 6 months

Bonus value history

$0 $875 $1,750 March 1, 2017 · $600 November 1, 2020 · $750 July 1, 2021 · $1,000 November 1, 2022 · $800 June 3, 2026 · $1,750 201820192020202120222023202420252026

Past values are estimates compiled from issuer announcements and public records; points are converted to USD at the card’s current valuation. Our methodology →

The walkthrough

  1. 01 Amex applies a once-per-lifetime rule to most welcome offers — if you've held this card before, you're likely blocked. Check your eligibility with the pop-up on the application.
  2. 02 Apply via Amex.com, or use a referral link from an existing Platinum holder so they earn referral points.
  3. 03 Plan the $8,000 over 6 months around real expenses — rent via a fee-free service, tuition, or planned large purchases.
  4. 04 Pay in full each month: this is a charge card, and use the monthly Uber, Saks, and digital-entertainment credits before they expire.

What to watch for

  • ! $8,000 in 6 months is a serious target. Don't apply unless you have a concrete path to the spend.
  • ! The $895 fee is fronted by 'coupon-book' credits — airline, hotel, Uber, Saks — that only pay off if you actually use each one.
  • ! Welcome-offer eligibility is lifetime-limited; cancelling and reapplying does not reset it.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →