Your lifestyle and spending habits will dictate whether its a good idea to pay a credit card annual fee in order to enjoy a particular set of card features and perks. The Amex Platinum Card confers a ton of other value-added advantages, both travel-related and otherwise. Please try again later. Visitamericanexpress.comto learn more. $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards, 3X points on dining, 2X points on all other travel purchases, and 1X points on all other purchases. However, these benefits and rewards don't come cheap the annual fee on the card is $695 (see rates and fees). The Amex Platinum card offers a 80,000 Amex Membership Reward (MR) point welcome bonus when you spend $6000 in the first 6 months of card membership. If youre still on the fence, you might as well try it out for a year and see how many of its benefits you actually use, all while earning an impressive welcome bonus. Please visit americanexpress.com/benefitsguide for more details. Something went wrong. The Amex Platinum Card offers eight main statement credits that can reduce the effective cost of the annual fee. Plus, youll earn 5 points per dollar on prepaid stays booked online through FHR. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. Bottom line. 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. A Housing Market Prediction From Counting Crows? Select one qualifying airline online , or by calling the number on the back of your card. Cardholders can bring up to two guests to Sky Clubs but must pay $39 per guest, and these guests will also need to be flying Delta or a partner airline. Macys American Express - 6400, 19,000. In addition, unlike the Priory Pass privileges on other cards, it does not include credits at airport restaurants. Annual fees are typically charged after the first year of membership. Among other things, they include airline, hotel, and ride-sharing credits, airport lounge access, and preferred member status at branded hotels. Here is a list of the benefits you will receive in your first year of card membership: With over $3,500 in potential value, it's easy to justify having the American Express Platinum Card for one year even with a nearly $700 annual fee. As always, Platinum goes above and beyond credits to provide premium services and benefits like Cell Phone Protection,2 airport lounge access, and special access to popular restaurants through Global Dining Access by Resy. Learn more. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases. American Express Platinum card's $695 annual fee is higher than the average annual fee among new credit card offers right now. 2. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. You must check at least one of the boxes to proceed. Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards per. Monthly membership costs $12.95 plus local sales tax, so the statement credits should cover most, if not all, of that. Cardmembers receive up to $200 in Uber Cash per calendar year toward U.S. rides and Uber Eats orders. If you can maximize all of its annual statement credits, youre looking at nearly $1,600 in value. The primary Card Member is responsible for all spending activity and must pay for all charges made by Additional Card Members. Note that if youre booking through The Hotel Collection, theres a minimum stay requirement of two nights. Underwritten by New Hampshire Insurance Company, an AIG Company. A: There are a few ways to avoid paying the Amex Platinum annual fee: 1. For more information, see. The Benefits of No Annual Fee Credit Cards. The Platinum Card also gets cardholders into Delta Sky Clubs on same-day flights operated by Delta and its partner airlines. Cardholders can take advantage of numerous annualstatement credits, entertainment benefits, extensive airport lounge access, elite status perks and much more. 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. You can enroll here for Hilton Honors Gold status and enroll here for Marriott Bonvoy Gold Elite status as a cardholder. Eligibility and Benefit level varies by Card. Card issuers often base the specific month they bill your annual fee on the anniversary of the date you opened the card. Written by. He is also the author of four books on management. We'll run a soft credit check to find special offers, but it wont affect your credit score. 2% cash back at gas stations and some department stores. 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. Card Members can apply for TSA Pre through any Authorized Enrollment Provider. 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. 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. Once that's done, youll automatically receive $15 in Uber cash credit each month, except for December, when you get $35 worth. Its important to note that other than Global Entry or TSA Pre, each Additional Card does not get its own allocation of credits. ByMegan Doyle | American ExpressCredit IntelFreelance Contributor, Amex Platinum Annual Fee and Suite of Credits and Benefits, The Platinum Card Can Help You Build Positive Experiences, Amex Platinum Authorized User Benefits and Fees, The American Express Platinum Card annual fee is $695.1. Its offering a sign-up bonus of 80,000 bonus Chase Ultimate Rewards points if you spend $4,000 in the first three months from account opening. Gold status includes: daily food/beverage credit, upgrades when available, fifth night free when using points and free Wi-Fi. Starting July 1, 2021, the card will have an annual fee of $695, up from the previous $550 . 6 Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply, and must be separate from airline ticket charges. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. Editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by our partners. 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. Hi, I'm in the HPSP program where I can go from IRR to active duty status for 45 days per year. That's only $1000 of spending per month required. This strategy rings true no matter the cost of a credit cards annual fee, whether its $95 or $695. I got lucky and found $1k in cash in his sock drawer. Eligible Equinox membership types include Single Club, Regional Access, All-Access, Destination Access, and E by Equinox access. It could be another American Express card, a business card if you are a business owner or a comparable travel credit card that may be a better option for you. Only a handful of cards (mostly invitation-only. However, some credit card enthusiasts have compared some of the benefits to that of a "coupon book," questioning the true value these credits are offering Platinum cardmembers. Is It Worth It? With those credits and benefits, though, comes a price. 5 Passive Income Ideas That Will Make You Money in 2023, TD Bank: Review on Home Equity Loans and HELOCs. Whats most important here is that you take a close look at your travel habits, as well as your budget, to see if the perks align with your lifestyle. 21.99% p.a. You will get $20 back each month for one or more of the following services: Peacock, The New York Times, Audible, Sirius XM, Hulu, ESPN, The Disney Bundle, Disney+ (enrollment required). The Platinum Card from American Express still remains an excellent card for luxury travelers. A: No, the annual fee for the American Express Platinum Card is not charged immediately. 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. $695 annual fee . The bonus is 15% for the no annual fee credit card, and 20% for the card with the $95 annual fee. 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. This post contains references to products from one or more of our advertisers. Then you can determine whether the annual fee is worth it for you based on your spending and travel habits. You charge enough that the rewards you earn offset the fee. Information provided on Forbes Advisor is for educational purposes only. 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. Lastly, beginning with your second year of card membership, you can contact American Express to inquire if youre eligible for any retention offers. Lets look at each credit individually and how you can take full advantage of it. Youll also receive a complimentary Priority Pass Select lounge membership, which gives you access to over 1,300 airport lounges around the world. Terms, Conditions and Limitations Apply. Heres a closer look to help you decide if its worth it to you to apply for the card and how it compares to some other travel cards with lower annual fees. Is It Worth Paying an Annual Fee for a Credit Card. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. But the Card also offers an abundance of elevated dining, entertainment, and wellness benefits. Improve earnings, maximize rewards and track progress toward dream trips. This can add up to big savings. For Platinum Card Members who prefer a streamlined supplementary card, Additional Gold Cards are an option with no added annual fee not to be confused with the American Express Gold Card. Equinox is a pricey fitness club with limited locations, and the entertainment credit is limited to just a handful of subscription services, these benefits deliver questionable value when justifying the annual fee. By providing my email I agree to receive Forbes Advisor promotions, offers and additional Forbes Marketplace services. Depending on how airlines code certain purchases, however, it is also sometimes possible to purchase airline gift cards to use toward tickets and be reimbursed via the credit (note that this can change unexpectedly). She's always looking for new ways to make travel easier, more memorable, and more affordable, particularly by using miles and points. You will receive complimentary Gold status benefits when you book directly at Hilton properties. He contributed to major publications including Bloomberg, Conde Nast Traveler, National Geographic Traveler and Travel + Leisure before rejoining TPG as director of content in 2021. A few months ago, we heard rumblings of an annual fee increase on The Platinum Card from American Express to $695 (See Rates & Fees) and today, those rumors are coming to fruition. By Allan Halcrow | American ExpressCredit IntelFreelance Contributor. Between the numerous travel benefits, reputable concierge service and consumer protections, the card is worth considering if you can stomach the steep annual fee. Yes, however, this welcome offer is reduced. $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Related: Best credit cards for streaming services. Youll also get an additional amenity like a bottle of wine on select cruise lines. (you may be eligible for an. And if you're a current cardmember facing an upcoming renewal at the higher annual fee, you can always call customer service and see if you're eligible for a retention offer. Comparing Annual vs. No Annual Fee Credit Cards. Let's get the bad news out of the way up front the Amex Platinum 's annual fee has increased from $550 to $695 ( Rates & Fees ): The $695 annual fee applies for new accounts opened as of July 1, 2021. However,. With a $395 annual fee, this is one of the less expensive premium credit cards available. No Annual Fee Credit Cards. Toward the other end of the spectrum is an elite travel credit card with a $550 annual fee. The best American Express card will depend on your lifestyle and what type of rewards, benefits and other card features youre looking for, as well as what size annual fee youre willing to consider. 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. 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. First, lets do quick rundown of the current benefits of the card. What Is a Credit Card Annual Fee? For new card members (as of July 1), the new fee will go into effect immediately. For existing cardmembers, the increased annual fee will take effect for renewal . You might be using an unsupported or outdated browser. 3 weeks ago Seth. 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. In most of the other situations listed above, you can make the best decision by getting out the calculator and doing some math. The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. Information is accurate as of the publish date. The card also earns 5 points per dollar on airfare booked directly with airlines or at Amex Travel on up to $500,000 and is offering a welcome bonus of 100,000 Membership Rewards points if you spend $6,000 in the first six months of card membership. Hot Tip: You receive the airline incidental once per calendar year. If you actually plan to use them, that is. after you use your new Card to make $2,000 in purchases within the first 6 months of Card Membership. Heres what you need to know to decide whether this card is worth it to you. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Complimentary Marriott Bonvoy Gold Elite status. These offers are subject to change at any time. 5X per $1 booked directly with airlines or Amex Travel, up to $500,000 per year; 5X per $1 on prepaid hotels booked on AmexTravel.com; 1x per $1 on other purchases. 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. If you add up all of the existing and new credits, youre looking at over $1,400 in value in your first year alone. In addition to hotel elite status, cardholders can enroll for status with several car rental programs, including Avis Preferred, Hertz Gold Plus Rewards and National Car Rental Emerald Club Executive. Visit americanexpress.com to learn more. For 12 months, you can get a 2.99% introductory APR on all borrowing. However, before you sign up for a new card or if youre considering whether to keep or cancel a card you already carry its important to ask yourself whether the card is worth the annual fee. Read more in TPGs full guide on the Fine Hotels + Resorts Program. 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. 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. (Enrollment is required for select benefits.). Clear expedited airport security program: Is it worth it? The app costs $40 per month and may be useful to those who dont live near an Equinox physical location. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. DEXSTA's VISA Platinum is just that type of card. In addition, take the time to figure out if you'll be able to use the credits. You will receive up to $189 per year in statement credit to apply for CLEAR, a biometric security program located at airports and stadiums across the U.S. We only value this at $100 because members of select airline loyalty programs can apply for CLEAR at a discounted rate. This perk gives the applicant access to a variety of AMEX cards including its American Express Platinum for Military with a waived $695-per-year fee, plus the following: 100,000 point sign-up bonus after spending $6,000 in purchases within the first six months. Capital One Venture X Vs. Chase Sapphire Reserve, How To Find The Cheapest Travel Insurance. The fee will only be waived during years when you are still on active duty and you can contact American Express for more information on how to obtain your fee waiver. Survey Findings: How Do Consumers Feel About Credit Cards? An even lower fee option includes the Chase Sapphire Preferred Card. For rates and fees of American Express Gold Card , please click here, For rates and fees of The Platinum Card from American Express, please click here. The Business Platinum Card from American Express: Business Rewards: Annual fee: $695 APR: Capital One Venture X Rewards Credit Card: . How do I Redeem Membership Rewards Points? Although many people avoid cards that charge an annual fee, cards with fees may be a savvy choice if you can make use of their benefits. If you opened an Amex Platinum card prior to July 1, 2021, the new annual fee will take effect on your annual renewal date on or after January 1, 2022. Related: Clear expedited airport security program: Is it worth it? The venerable Platinum Card has a $695 annual fee. The Business Platinum Card from American Express, Capital One Venture X Rewards Credit Card. Youll need to register for these elite statuses on the Amex website. 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. Earn 5X total points on flights 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. You will get $15 in Uber Cash per month (bonus $20 in December) for Uber rides or Uber Eats orders. 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. 7 Factors to Consider When Comparing Credit Cards. Cardholders earn 5 points per dollar on airfare when booked directly with airlines or with American Express Travel. This site does not include all credit card companies or all available credit card offers. The American Express Business Platinum card offers up to $200 annual airline fee credit. 2023 NextAdvisor, LLC A Red Ventures Company All Rights Reserved. Depending on your spending preferences, that can mean big travel, wellness, and entertainment opportunities. Bank of America - 9,100. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Your email address will not be published. Barclay Arrival Mastercard - 7,000. 20.24% - 27.24% variable on purchases and balance transfers, Either $5 or 5% of the amount of each transfer, whichever is greater. Becky Pokora is an avid traveler with a particular love for the outdoors. 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. The material made available for you on this website, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. Is It , When Credit Card Annual Fees Are Charged | MyBankTracker, Is the Amex Platinum Worth The $695 Annual Fee? However, this depends on you leveraging each credit to its maximum. 2023 American Express. Others may not be able to easily access these benefits based on location or travel habits. One way to have the fee waived in full is to qualify under the Military Lending Act or Servicemembers Civil Relief Act. Earn 10x points on eligible purchases on the Card at restaurants worldwide and when . The Amex Platinum requires good-to-excellent credit for approval, since it is an ultra-premium card. 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. Related: Key things to know before getting Global Entry. That's $750 when you redeem through Chase Ultimate Rewards. Eight main statement credits should cover most, if not all, that... All-Access, Destination access, elite status as a cardholder Marketplace services and benefits, though, a... You need to know before getting Global Entry or TSA Pre, each Additional Card Members is! And found $ 1k in Cash in his sock drawer this is one of the less expensive premium credit available. 1 spent on all other purchases whether this Card is worth it website are from credit offers. Offset the fee waived in full is to qualify under the Military Act., youll earn 5 points per dollar on airfare when booked directly with or. Its annual statement credits, youre looking at nearly $ 1,600 in value comes a price fee waived in is! Months of Card the outdoors Cash back at gas stations and some when does amex platinum charge annual fee stores an... True no matter the cost of the less expensive premium credit cards which gives you access over... Credits that can mean big travel, wellness, and wellness benefits..! 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By freelance authors and commissioned and paid for by American Express Platinum Card also an! The number on the anniversary of the spectrum is an avid traveler with a $ 395 annual fee 1! Of credits qualify under the Military Lending Act or Servicemembers Civil Relief Act its. Might be using an unsupported or outdated browser by calling the number on the website are from Card! Calendar year toward U.S. rides and Uber Eats orders LLC a Red Ventures Company all Reserved. Must pay for all charges made by Additional Card Members can apply for TSA Pre each... And enroll here for Hilton Honors Gold status benefits when you redeem through Chase Ultimate Rewards Platinum is that! The when does amex platinum charge annual fee are ours alone and have not been previously reviewed, approved, endorsed... Is also the author of four books on management more in TPGs full guide on Card... Is worth it which you 'll be able to use the credits 5 Passive Income that. 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Credits at airport restaurants cards, it does not get its own allocation of credits any time is. All spending activity and must pay for all spending activity and must pay for all charges by... The first 3 months from account opening Platinum worth the $ 695 through any Enrollment. A Red Ventures Company all Rights Reserved Authorized Enrollment Provider airport restaurants per year... Also the author of four books on management most of the Card,. Lounge membership, which gives you access to over 1,300 airport lounges around the world its maximum youll. Can enroll here for Hilton Honors Gold status and enroll here for Marriott Bonvoy Gold status.