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Die American Express Platinum Card®and theGold American Express® KarteThese are two of the best travel maps you can find. Both cards offer great welcome bonuses of 60,000 points or more. However, when applying for these cards, making sure you get as many points as possible is a challenge.
Most banks offer the same bonus no matter where you apply, but American Express doesn't: the number of points you earn (and how much you have to spend to get them) can vary depending on where you apply , vary greatly. You can see an 80,000 point bonus directly on Amex or through sites like ours by simply opening an Amex page in an incognito browser to find a double point bonus. Special offers through partners like Resy ormatching lettersmake things even more complicated.
So you should look for the biggest possible bonus before hitting the apply button and it's important that you do this: American Express only lets youEarn the welcome bonus offer for each of your cards once in a lifetime.
Keep in mind:Credit cards are serious business.You should never open a new credit card unless you can pay every penny you charge each month. It's not worth incurring expensive credit card debt.
We've rounded up all the methods you can use to ensure you're getting the biggest and best deal on Amex Platinum and Gold cards. While we generally charge a fee when you receive a credit card through us, most of these methods do not. We just want to make sure you get as many points as possible when one of these cards is on your radar.
Related reading:Amex Platinum vs. Gold Cards: Which is Better for You?
in this post
- The best American Express Platinum Card welcome offers
- Personal Referral Offer (available until June 7th)
- Get an offer worth 125,000 or 150,000 through CardMatch
- Try an incognito browser for a bigger Amex Platinum bonus
- 100,000 points + x10 points for restaurant expenses via Resy
- final thoughts
- The best American Express Gold Card welcome offers
- Personal Referral Offer (available until June 7th)
- Try (again) using an incognito browser.
- 75,000 points + 20% reimbursement of restaurant expenses by Resy
- Receive a 75,000 offer via CardMatch
- final thoughts
The best American Express Platinum Card welcome offers
Personal Referral Offer (available until June 7th)
We save the best for first. If you want the best Amex Platinum card deal to date, look no further than a specific deal which you can find through certain personal referral links. But if you want to take advantage of this offer, you have to act quickly. It is only available until Wednesday June 7th.
you can win150,000 pointsconThe American Express Platinum® cardafter spending $6,000 within the first six months. Additionally, you'll get back up to $200 in statements for any expenses you make in the first three months.
Simply put, this is the best deal we've seen for this card. The $200 statement credit, which you can earn on every purchase for the first three months, significantly reduces the card's $695 annual fee (see).).
Consider this: The standard Platinum card offer is now 80,000 points for the same spending needs and without a $200 credit for spending you make in the first three months.
But remember, since this offer is only available through current Platinum cardholders' personal referral links, you'll need to find a friend to apply. This offer is targeted, so not all current cardholders have the sharing offer.
learn more aboutDie American Express Platinum Card®(This is a personal referral link offering 150,000 points)
Get an offer worth 125,000 or 150,000 through CardMatch
If you are not familiar with itmatching letters, it's a tool from creditcards.com and it works like this: Enter some basic personal information and the last four digits of your social security number, and CardMatch will match you with some recent credit card offers that you're likely to get approval for -- sometimes withlarger bonuses than those available through public channels.
Soft credit requests do not affect your credit scorebecause they are not tied to a specific loan application. However, keep in mind that there is no guarantee that you will be approved for the options offered by CardMatch. It only improves your chances.
In recent years there have been a number of different targeted offers for the American Express Platinum Card through CardMatch. CardMatch users can get an offer of 100,000, 125,000, or even 150,000 points when they spend $6,000 in the first six months of card membership.
Please note that this Platinum card offer through CardMatch does not include a statement credit of up to $200 for any spending made during the first six months of your card membership. That makes the aforementioned personal referral offer, available until June 7th, a significantly better option for at least the next week.
But in the long run, CardMatch is a great place to look at certain Amex Platinum offers.Remember: the offer is targeted and therefore not available to all CardMatch users.
See below if you're the target of a special Amex Platinum card offer through CardMatch!
Find out if you're eligible for a welcome bonus offer of 125,000 or 150,000 points with the Platinum Cardcard game!
Try an incognito browser for a bigger Amex Platinum bonus
Sometimes the key to getting the best bonus is simple:Just open an incognito window in your web browser, search for "Amex Platinum Card" and open the page- or onlyTry opening this link in an incognito window. That's what I did this morning and that's what I found
It's a bit silly, isn't it? Try opening an Amex Platinum card in a regular browser window and you'll get an 80,000 point bonus after spending $6,000 in six months. Open the same page in an incognito browser and you could earn almost 60% more points, or more - we've even seen bonuses on the Platinum card of up to 150,000 points in the past.
These are the games Amex plays. And even then, it is not certain that you will get a bonus of 125,000 to 150,000 points this way: some of my colleagues have still seen 80,000 points or 100,000 points using the same method.
But it's easy to check and worth a try!
100,000 points + x10 points for restaurant expenses via Resy
You don't know Resy? It is a website and mobile app that allows users to discover restaurants and make dinner reservations. In 2019Acquisition of Resy by American Expresswith plans to add exclusive access to meals and rewards to the bank's mobile app.
One of the positive aspects of this acquisition is the specific welcome offers for Platinum and Gold cardsWeb de Resy.
If you apply for the Platinum Card through Resy, you will receive an offer from100,000 points after spending $6,000 in the first six months of card membership. But what makes this offer unique and (potentially) worth considering is that it isEarn 10x more points per dollar spent at restaurants worldwide, up to $25,000, for the first six months of your card membership. Considering the Platinum card usually only gets you 1x point per dollar spent at restaurants, that could be a pretty good deal.
If you spent a maximum of $25,000 on restaurant expenses in the first six months, you would end up earning an additional 250,000 points on top of the 100,000 points you would earn if you spent $6,000 in six months. If you add it all up, there are potentially 350,000 points on the table.
But even if you spent just $5,000 at restaurants in the first six months, that would be another 50,000 Membership Rewards points on top of the 100,000 you get as part of the welcome offer. It's an offer worth considering if you spend heavily at restaurants. So it's easily one of the best deals you'll find with the Platinum card.
Find out more about the welcome bonus offer atPlatinum card via Resy(This is not an affiliate link).
final thoughts
If you apply for the Platinum Card through Thrifty Traveler, another travel site, or even American Express, you'll receive an offer of 80,000 points after spending $6,000 in the first six months of card membership. As you can see above, this is far from the best deal you can get right now... and Amex hopes consumers don't know that before they apply.
There are just a lot more bonus points for welcome offers as long as you know where to look.
Continue reading:A full review of the American Express Platinum Card
The best American Express Gold Card welcome offers
Looking for the best American Express Gold Card deals? You don't have to reinvent the wheel. You can find them in exactly the same places as the best Platinum Card deals.
Personal Referral Offer (available until June 7th)
As with the Platinum card, the Gold card also has a special offer available through personal referral links, and that's the way it isOnly available until June 7th.
you can win90,000 pointsabout himGold American Express® Karteafter spending $4,000 within the first six months. In addition, you will receive a statement credit of up to $200 for all expenses in the first three months.
This is also easily the best deal we've seen for this card. The $200 billing credit, which you can get for any purchase in the first three months, covers most of the card's $250 annual fee (see).
Consider this: The standard Gold Card offer is now 60,000 points for the same spending need without a $200 credit for spending in the first three months.
But remember, since this offer is only available through current Gold cardholders' personal referral links, you'll need to find a friend to apply (or use our link below). This offer is targeted, so not all current cardholders have the sharing offer.
Learn more about himGold American Express® Karte(This is a personal referral link for the 90,000 point offer.)
Try (again) using an incognito browser.
Amex loves to play around with these offers. Case in point: my three colleagues and I were sitting next to each other in the office looking for the Amex Gold card in an incognito browser (or click this link).
One of us received the standard welcome bonus of 60,000 points after spending $4,000 in the first six months of our membership, while one of us received 75,000 points for the same spending requirement. Two of us got lucky: 90,000 points for spending $4,000 in three months.
If you can't get the offer of 90,000 points with a $200 statement credit from a friend or family member, it's easy to try an incognito browser.
75,000 points + 20% reimbursement of restaurant expenses by Resy
Not only the Platinum Card offers a special offerApply via Resy.
If you request the Gold Card through Resy, you will receive an offer from75,000 points after spending $4,000 in the first six months of card membership. But what makes this offer unique and worth considering is that it isReceive 20% back in statement credit on restaurant purchases worldwide for the first 12 months of your card membership up to $250.
Considering the Gold Card has an annual fee of $250, you basically get a free year of the Gold Card as long as you spend $1,250 at restaurants in the first year.
Find out more about the welcome bonus offer atPlatinum card via Resy(This is not an affiliate link).
Receive a 75,000 offer via CardMatch
Just like the increased offer you will find on the Platinum Cardmatching letters, mentioned above, you can also find special offers on the Amex Gold card.
In this case, the maximum you can earn is 75,000 points after spending $4,000 in the first six months. That's a lot better than the 60,000 point offer for the same spending need you can find publicly, but not as good as the 90,000 point offer with up to $200 in statement credit through personal referrals.
That said, it's still a good place to start looking for a cheaper Gold Card deal, especially if the personal referral offer goes away after June 7th.
Continue reading:How to get the Amex Gold 75K offer via CardMatch
Check if you are eligible for a 75K Gold Card welcome bonus offercard game!
final thoughts
Like the Platinum Card, if you apply for the Gold Card through Thrifty Traveler, another travel site, or even American Express, you'll likely see an offer of 60,000 points after spending $4,000 in the first six months. card membership. In addition to the bonus points of the welcome offer, you will also not receive any additional credit.
As you can see above, this is far from the best deal available. And that's the point: Amex hopes most consumers don't know any better.
Continue reading:A full review of the American Express Gold Card
bottom line
American Express offers many different welcome offers on its flagship Platinum and Gold travel cards. Either way, the deals you'll find on travel sites like ours (and on American Express itself too) are nowhere near the best you can get.
These are the best options currently available for both cards. Make sure you don't leave valuable points on the table.
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FAQs
Can I get both Amex Gold and Platinum welcome bonus? ›
And it's possible to earn welcome bonuses on all of American Express' cards. There's no rule prohibiting you from earning a bonus on the Gold card because you have the Platinum card — or vice versa — so long as you meet the other application rules.
How to get the 150,000-point offer Amex Platinum? ›Amex Platinum 150,000- or 125,000-point offers
The best offer we've seen provides 150,000 points with the Amex Platinum Card after you spend $6,000 on purchases within your first six months of cardmembership. The card has an annual fee of $695 (see rates and fees).
What is AmEx's once-per-lifetime rule? American Express restricts each card's welcome bonus so that it can only be earned by one per person, per lifetime. In other words, if you apply for and earn the welcome bonus on the American Express® Gold Card, that's it. You can't earn that bonus again.
Is it worth upgrading Amex Gold to Platinum? ›Amex Platinum ultimately offers more value, though. For example, its benefits include airport lounge access, while the Amex Gold Card's perks do not. When it comes to ongoing rewards on purchases, Amex Platinum has a higher maximum earning rate and better travel rewards.
What is the 1 5 rule for American Express? ›The 1-in-5 rule limits card approvals to one every five days. If you are applying for multiple Amex cards, simply wait at least six days to ensure you don't get rejected for that second card. You can apply for two Amex cards in one day—as long as one is a charge card and the other a revolving credit card.
How do I maximize my Amex rewards? ›- Introductory Welcome Offers.
- Flights Booked With Airlines.
- Earn on Purchases Through Amex Travel.
- Earn Points at Supermarkets.
- Earn Points on Dining.
- Earn Points at Gas Stations.
- Frequent Transaction Bonuses. ...
- Introductory Welcome Offers.
Amex Platinum Card Welcome Bonus Offer
We generally value Membership Rewards points at about 2.2 cents per point, which means that a 100,000-point bonus offer is worth ~$2,200, a 125,000-point bonus is worth ~$2,750, and a 150,000-point bonus is worth $3,300.
44,000 American Express points are worth about $294.8, depending on which American Express credit card you have and what you spend the points on. You will get the best value for your American Express points when you redeem them for Travel, but there are multiple redemption options.
How much is 100000 points on Amex Platinum worth? ›| Number of American Express Points | Average Value |
|---|---|
| 100,000 | $670 |
| 90,000 | $603 |
| 80,000 | $536 |
| 70,000 | $469 |
That means all of the major business cards from American Express, Barclays, Chase, and Citi do not add to the Chase 5/24 rule, simply because these cards aren't reported on your personal credit reports. Let's get to the list!
What is Amex's once per lifetime rule? ›
Amex Cards With the Once-Per-Lifetime Restriction
The policy states that each card is only eligible for one welcome bonus throughout its lifetime. Regardless of the type of card, customers are entitled to only one welcome bonus for that particular card.
The Chase 5/24 rule is an unofficial policy that applies to Chase credit card applications. Simply put, if you've opened five or more new credit card accounts with any bank in the past 24 months, you will not likely be approved for a new Chase card.
Is Amex Platinum more prestigious than Amex Gold? ›For rich dining perks: The American Express® Gold Card, which has an annual fee of $250, outshines the others (see rates and fees). For luxury travel perks: The Platinum Card® from American Express, which has an annual fee of $695, is the superior option (see rates and fees). Terms apply.
Is Amex Gold prestigious? ›Is the Amex Gold prestigious? The Gold Card from American Express is a highly-regarded card for dining and travel rewards. It's not the most luxurious credit card, but it offers above-average benefits. Being a metal credit card is also unique as most metal cards have a high annual fee or an abundance of benefits.
Is having an Amex Platinum prestigious? ›The Amex Platinum is one of the most prestigious travel credit cards you can own. Trying for an American Express credit card lets you establish a relationship with Amex. Plus, it can make it easier to add the Amex Platinum Card to your wallet in the near future.
What is the 2 3 4 credit card rule? ›2/3/4 Rule
Here's how the rule works: You can be approved for up to two new credit cards every rolling two-month period. You can be approved for up to three new credit cards every rolling 12-month period. You can be approved for up to four new credit cards every rolling 24-month period.
2 in 90 Rule
You can only get approved for two credit cards every 90 days. This means that if you apply for a third card within the 90-day window, you'll automatically be rejected. These rules apply to credit cards only and not charge cards, so you can apply for as many charge cards as you like.
The minimum income requirement for an American Express (Amex) credit card will depend on the type of card you are applying for. Generally, Amex credit cards require applicants to have good to excellent credit and a minimum household income of at least $25,000 per year.
How do you get 10x points on Amex? ›Earn 75,000 Membership Rewards® points after you spend $5,000 on purchases within your first six months of card membership. Earn 10x points on eligible purchases at U.S. gas stations and U.S. supermarkets, on up to $15,000 in combined purchases, during your first six months of card membership.
How to get the 100,000 points on Amex? ›- Use Amex Membership Rewards Credit Cards.
- Allocate Your Spending to the Right Cards.
- Book Flights Through Amex Travel.
- Check Out Your Amex Offers.
- Refer a Friend to Membership Rewards Cards.
Will Amex increase my limit automatically? ›
Does Amex increase credit limits automatically? Yes, Amex increases credit limits automatically. This might happen if you have excellent creditworthiness and make all your payments on time. Paying your balances in full each month or maintaining a low credit utilization ratio might also work in your favor.
Does Amex Gold have lounge access? ›The Amex Gold card does not offer any complimentary airport lounge access. Bottom Line: If you value worldwide lounge access, the Amex Platinum card is a clear winner as the Amex Gold card does not offer any form of airport lounge access.
How much is 80 000 Amex points worth? ›80,000 American Express points are worth about $536, depending on which American Express credit card you have and what you spend the points on. You will get the best value for your American Express points when you redeem them for Travel, but there are multiple redemption options.
How much is 75000 American Express Gold Points worth? ›How much are 75,000 American Express points worth? At a minimum, 75,000 American Express Membership Rewards points are worth $750 when you use them in the Amex Travel portal.
How much is 2 million Amex points worth? ›AMEX points can be used for a variety of rewards including travel, merchandise, gift cards, and statement credits. Assuming an average value of 1 cent per point, 2 million AMEX points would be worth $20,000.
Is 200000 Amex points a lot? ›While 200K Amex points will typically only give you about $2,000 in value when you shop for flights in the Amex travel portal, you can sometimes find Business or First Class flights — that can normally cost over $10,000 — for only 200K points, when transferred to a frequent flyer program.
How do I get a black Amex card? ›- Be an Existing Amex Cardholder in Good Standing.
- Make at Least $250,000 in Purchases on Your Amex Cards.
- Request an Invite.
If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise.
How much is 1 point of Amex gold worth? ›This is simple: American Express Membership Points are worth exactly 1 cent apiece when booking flights or 0.7 cent if booking hotels through the issuer's portal. This math is made explicit when booking a flight or hotel while logged in. For example, a $210 flight will cost 21,000 points.
How much is 60 000 Amex Gold Points worth? ›60,000 American Express points are worth about $402, depending on which American Express credit card you have and what you spend the points on. You will get the best value for your American Express points when you redeem them for Travel, but there are multiple redemption options.
What is the 2 30 rule? ›
2/30 Rule. The 2/30 rule says that you can only have two applications every 30 days or else you'll automatically be rejected.
How many Amex cards is too many? ›You can have as many Amex credit cards as you like, provided that you meet the issuer's eligibility requirements and get approved. There used to be a limit of 4 cards per cardholder. But according to customer service, this limit no longer applies.
Can you have two Amex Platinum cards? ›Can you have multiple Platinum cards? In general, you can have multiple Amex Platinum cards, but you'll only be able to earn 1 welcome bonus.
Does Amex do a hard pull if you already have a card? ›No, Amex doesn't combine hard pulls into a single inquiry when you apply for two different credit cards. However, it is worth noting that American Express has recently launched a new approval future that allows applicants to submit an Amex credit card application using a soft inquiry.
Does Amex Platinum affect credit score? ›Yes, the American Express Platinum card reports to the credit bureaus every month, within days after the cardholder's billing period closes. American Express reports the card's credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.
Do Amex points expire? ›Membership Rewards® points have no expiration date. However, points may be forfeited as described in the program Terms and Conditions.
What is the golden rule of credit cards? ›Golden Rule No. 1: Pay 100 per cent of your credit card bills as far as possible. This way you will reduce your interest outgo to a bare minimum.
Does having too many credit cards hurt your score? ›Having too many open credit lines, even if you're not using them, can hurt your credit score by making you look more risky to lenders. Having multiple active accounts also makes it more challenging to control spending and keep track of payment due dates.
Is 4 credit cards too many? ›It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
What is the most difficult Amex to get? ›The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.
What is the highest Amex gold limit? ›
Does the American Express Gold Card have a limit? The American Express® Gold Card has no preset spending limit, which reflects its origins as a charge card — a card that requires you to pay your bill in full every month.
Why is Amex Platinum so hard to get? ›Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have at least good credit and make a lot of money, you have a decent shot at getting approved.
Why is Amex associated with rich people? ›The rumor that American Express cards are for rich people might come from the fact that one card––the Centurion “Black” Amex––is, in fact, for rich people. This card is invitation only, and it's rumored that you must spend at least $100,000 across your Amex cards annually to be considered, though it could be much more.
Is Amex gold a status symbol? ›Gold cards are still a good option for many people. If you want to build your credit, earn rewards, or get travel benefits without paying annual fees, gold cards can be a good choice. Gold cards are still a status symbol.
Does Amex Gold pay for TSA PreCheck? ›The application fee credit for Global Entry or TSA PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card® Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion® Members, Corporate Centurion® Members, Business Centurion® Members, Delta ...
What is the average income for Amex Platinum? ›We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum.
Does Amex Platinum get you into Delta Sky Club? ›Access is non-transferable and can only be used by the Card Member. Platinum and Centurion American Express Card Members may enter the Club with up to two guests or their immediate family (spouse/domestic partner and children under 21 years of age) for a per-visit rate of $39 per person, per location.
Why is Amex Platinum so popular? ›Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual card credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Can you have Amex Gold and Platinum at the same time? ›If you own both cards, use the Amex Platinum to pay for flights and prepaid hotels and the Amex Gold to pay for your supermarket and dining purchases to earn the most points possible on every dollar you spend.
Can you have 2 different American Express cards? ›You can have as many Amex credit cards as you like, provided that you meet the issuer's eligibility requirements and get approved. There used to be a limit of 4 cards per cardholder. But according to customer service, this limit no longer applies.
Can I apply for 2 Amex cards at once? ›
Keep in mind that you'll have to manage the minimum spend requirements. Applying for multiple American Express cards doesn't have a big impact on your credit score because once you have one Amex card, they typically only do soft pulls after that.
Can you only get one Amex bonus? ›Amex Cards With the Once-Per-Lifetime Restriction
American Express has a strict policy that applies to all of its cards, including co-branded hotel and airline cards, business cards, cash-back cards and rewards cards. The policy states that each card is only eligible for one welcome bonus throughout its lifetime.
The Amex Platinum is one of the most prestigious travel credit cards you can own. Trying for an American Express credit card lets you establish a relationship with Amex. Plus, it can make it easier to add the Amex Platinum Card to your wallet in the near future.
Does Amex Gold get you into airport lounges? ›The Amex Gold card does not offer any complimentary airport lounge access. Bottom Line: If you value worldwide lounge access, the Amex Platinum card is a clear winner as the Amex Gold card does not offer any form of airport lounge access.
What happens if you don t pay amex platinum in full? ›If you don't pay Amex Platinum in full, you will be charged interest on any purchases added to a Pay Over Time balance. With Pay Over Time, you can add eligible charges to a Pay Over Time balance, up to a limit.
What is the 5 24 rule for credit cards? ›The Chase 5/24 rule is an unofficial policy that applies to Chase credit card applications. Simply put, if you've opened five or more new credit card accounts with any bank in the past 24 months, you will not likely be approved for a new Chase card.
What's the limit on Amex gold card? ›The Amex Gold card has no preset spending limit, which means the spending power is determined on a month-to-month basis, depending on the cardholder's previous spending habits, income, payment history and other factors. This does not mean that consumers are able to spend limitlessly with a no preset spending limit.
How long should I wait between Amex cards? ›Amex is likely to limit approving you for two credit cards every 90 days. If you apply for two credit cards on the same day, data points suggest one of your applications will be put on hold as an automatic fraud prevention mechanism. There are conflicting reports on how charge cards are counted in this two card limit.
What is the easiest Amex card to get? ›Which Amex card is the easiest to get? The easiest Amex cards to get are ones with a lower minimum spending requirement for rewards, as well as a low annual fee or no annual fee. Examples include the Blue Cash Everyday Card from American Express and the American Express Cash Magnet Card.
What triggers an Amex financial review? ›If you have more than $25,000 credit limit on a credit card or a combined credit limit of $35,000, it will trigger a financial review.
What is the highest Amex referral bonus? ›
These bonuses for the person referring someone for an Amex card are normally capped at 55,000 bonus points a year, but you can now earn up to 100,000 points from referrals.
What is the maximum number of Amex offers? ›Is there a limit to the number of Amex Offers I can add to my card? No, you can add as many Amex Offers to each of your American Express cards as you want. There is no limit.
What is the Chase 1 30 rule? ›What is the Chase 1/30 rule? The 1/30 rule is short for "1 card every 30 days," meaning your chances of being approved for a Chase business card are slim to none if you've applied for any card in the last 30 days.