amex platinum dining points after 6 months

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amex platinum dining points after 6 months

2022.07.31
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amex platinum dining points after 6 months

The Forbes Advisor editorial team is independent and objective.

Make sure to enroll to get Hilton Honors Gold status and Marriott Bonvoy Gold Elite status. This compensation comes from two main sources. It provides plenty of value at a lower cost, compared to the Platinum card and does a good job of providing a broad range of popular travel and consumer benefits. This wont impact your credit score. The cards average earning rate is also on the lower side for a rewards cards based on the average persons spending, which could make it difficult to rack up a significant points balance if you arent a frequent traveler. Terms Apply. Like the Platinum card, the Sapphire Reserve offers Priority Pass lounge access and a statement credit for Global Entry or TSA Precheck. All Rights Reserved. Last four digits of your Social Security number, The Platinum Card from American Express, The Platinum Card from American Express Review: Luxury travel at a justifiable cost, J. D. Power 2020 customer satisfaction rating, Amex Platinum card is worth its annual fee, How to earn and use Membership Rewards points. But for the majority of consumers, youre more likely to see the Housewives get along peacefully on Andy Cohens couch than you are to use most of the perks offered on this card. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. You also get elite car rental status with Hertz and Visa Infinite benefits, which include numerous protections like lost luggage reimbursement, trip delay reimbursement, cellphone protection, complimentary concierge service, as well as purchase, extended warranty, and return protections. It is not our partners responsibility to ensure all posts or questions are answered.

CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. If you cant take advantage of all the premium perks, you might be better off with a travel card with a smaller price tag. Earn 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. Dont worry, we wont spam your inbox. Instead, you can try to offset the cost of the annual fee by maximizing the credits and benefits that come with the card. Our team ofcredit card experts researched over 130 rewards cards to see where the Amex Platinum ranks among cards in its category. Points are worth one cent each when used this way for flights, but only 0.7 cents each when you redeem for prepaid hotels, rental cars and cruises.

Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories, which we used to compile rewards potential for various credit cards. You can redeem Membership Rewards in multiple ways. But the Venture X tops both cards by offering a flat rate of 2X miles on all other purchases and only charging an annual fee of $395. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Cardholders can expect the highest level of service with the Amex Platinum card. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. Read our in-depth comparison of Amex Platinum Vs. Chase Sapphire Reserve.

Theyll also consider how much debt, if any, youre carrying on any other cards to make sure that if they extend you more credit youre not at risk of being overextended and defaulting. That said, the card stands head-and-shoulders above the majority of rewards cards when it comes to both its welcome bonus and annual bonus (factoring in the value of perks like Uber credits and Priority Pass membership). Its lack of bonus categories stands out in a cards landscape full of generous offerings from competing issuers, and on top of that, the cards base point value and flexibility just dont measure up to other card offerings. All ratings are determined solely by our editorial team. That doesnt top the rewards offered by other premium travel cards. Theintroductory offer on the Platinum cardis among the best available among rewards cards in its class 100,000 points if you spend $6,000 in the first six months.

Pay the annual fee and get discounts that will potentially outweigh the cost of ownership, but only if fully maximized. To start, cardmembers should have an easier time racking up miles since the Venture X lets you earn rewards at double the Amex Platinum cards rate on hotels, rental cars and general purchases. The annual fee and mediocre rewards offered by the arent even in the ring compared to other rewards cards. If the Real Housewives franchise had a credit card, it would be The Platinum Card from American Express. Uber Cash and Uber VIP status is available to Basic Card Member only. See the online credit card applications for details about the terms and conditions of an offer. Something went wrong. Transferring points and using them for premium cabin travel can be a way to maximize the value of your points but you can also use your rewards to upgrade your travel. Similar to the Amex Platinum, the card carries a steep annual fee but also a number of benefits and credits that can justify that price tag if fully maximized. FICO, the most widely known credit scoring model typically uses a scale of 300 to 850. Thats up 25,000 points from the cards previous offer. On top of the luxury perks, the Platinum card comes with a number of travel and consumer features that can help save you money and make your life easier. Cardholders earn 4X points at restaurants and at U.S. supermarkets (up to $25,000 a year in U.S. supermarket purchases, then 1X). That earning potential, along with the Venture X cards annual travel credit and annual anniversary bonus miles can easily offset the cards annual fee. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, and has appeared on or contributed to Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. Yes, the Amex Platinum has more lounge access than the Chase Sapphire Reserve. The Chase Sapphire Reserve comes with same-day flight access to Priority Pass Select lounges upon enrollment. If our sample household spends $2,438 in airfare and hotels booked via Amex Travel, theyd earn 12,190 Membership Rewards. Plus, some of the credits that come with the card will only be useful to people potentially a limited number of people interested in offers like fitness club and Walmart+ memberships. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Up to $200 annual airline incidental fee credit on an airline you enroll with each year. CreditCards.com is an independent, advertising-supported comparison service. For rates and fees of The Platinum Card from American Express, please click here.

For travel you can use your points for flights and other travel through American Express Travel. That alone isnt all that impressive compared to other rewards cards. While its hard to justify a nearly $700 annual fee, American Express provides plenty of value with added perks that more than make up for the cost of the card. Since the Platinum card has a high annual fee, you are more likely to be approved if youve demonstrated a history of on-time payments and responsible credit card use. On that scale, a credit score between 670 and 739 is generally considered good. Anything above that is considered to be excellent. Powers 2021 customer satisfaction survey (first place among 11 major issuers). Read our in-depth comparison of Amex Gold Vs. When reviewing your application for a credit card, in addition to your credit score, issuers will consider your income, how long youve had credit and what other credit lines are already extended to you. Stephanie Zito, Partner Offer: Terms Apply to the offers on this page. American Express has one of the best reputations among credit card issuers for customer experience, scoring an 838 on J.D. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. American Express also offers an extensive list of travel partners for Amex Platinum cardholders. Here are some of our favorite alternatives. CLEAR membership fee credit each year with enrollment. Those points are worth 50% more when redeemed for travel through the Chase Ultimate Rewards travel center and points can be transferred at a 1:1 ratio to airline and hotel partners like United and Hyatt.

Frequent flyers of Delta Airlines may be particularly interested in the Platinum card because, as a special partner of Delta, Amex offers point transfer to Delta as well as Delta Sky Club access for all Platinum cardholders. Welcome bonus: 100,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership. Platinum. Theres also a welcome bonus: 100,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership. And if youre seeking plush travel perks, the card doesnt come with any. Gift card redemptions are generally worth one cent per point and using your rewards as a statement credit against a purchase is worth 0.6 cents per point. If you travel frequently and want to do so in style when you do, this card deserves a place in your wallet. $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. Reviewed by: In addition, American Express offers 24/7 customer service, including a chat feature on its website. No other card comes with as much perk-potential as The Platinum Card from American Express (Terms apply, see rates and fees). The Sapphire Reserves points are also more valuable: When you are ready to redeem your points, they have a 1.5 cent value when redeemed for travel through the Chase Ultimate Rewards portal. The American Express mobile app is also highly rated 4.1 out of 5 in the Google Play Store and 4.9 out of 5 in the Apple App Store. Like the Amex Platinum, the card also offers some potential valuable credits that, if fully maximized, can offset the cards $250 annual fee. Theres a ann First National Bank Of Omaha Business Edition Secured Visa Credit Card 2022 Review. Well use this information to to verify your credit profile. Enrollment required. Robin Saks Frankel is a credit cards and personal finance writer for Forbes Advisor. It may not have the various potential credits that come with the Amex Platinum, but its also several hundred dollars cheaper each year when it comes to annual fee expenses, freeing you up to choose if you want to spend money at Equinox, Saks or any of the other places offered on the Amex. The 70th percentile of wage-earning households brings in $100,172 annually and has $52,820 in standard expenses. This makes it easy to quickly find the answers to simple questions. But if youd rather maximize points than enjoy perks like Centurion lounge access or the Delta Sky Club, you might be better off with another travel card. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. See Pay Over Time APR (See rates and fees), American Express Customer Service Ratings, Other Notable Features: Free airport lounge access, $189 CLEAR credit, $100 Global Entry or $85 TSA Precheck credit, no foreign transaction fees (See rates and fees), up to $200 Uber credit, up to $200 hotel credit (requires a minimum two-night stay), up to $240 digital entertainment credits, up to $300 Equinox credit on eligible memberships, Hilton Honors gold status, Uber VIP status, platinum concierge service, car rental insurance, car rental perks and discounts, luxury hotel perks and discounts, exclusive events and services, trip cancellation/interruption insurance, trip delay insurance, purchase protections, up to $100 Sake Fifth Avenue credit. One of the plushest benefits of the Amex Platinum card is access to the entire American Express Global Lounge collection, covering more than 1,000 airports around the world. Follow her on Twitter at @robinsaks. The Capital One Venture X Rewards Credit Card is packed with extras that put it firmly in competition with the Amex Platinum and Chase Sapphire Reserve, but at an annual fee$395that leaves the others far behind. 4 points per dollar at restaurants, plus takeout and delivery in the U.S. 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases per year), 3 points per dollar on flights booked directly with airlines or on amextravel.com, $300 annual travel credit (can be used for airfare), Up to $100 Global Entry/TSA Precheck credit, 50% point boost when redeemed for travel through Ultimate Rewards, 10,000 Miles anniversary bonus starting on your first anniversary, $100 credit for Global Entry/TSA Precheck, Up to $120 dining credit at participating restaurants, Up to $100 hotel credit with The Hotel Collection. Well use the last four digits of your Social Security number to get your approval odds. While some other travel cards offer a 1 cent per point value for statement credits, the Platinum only earns 0.6 cents making it difficult to use your points for anything other than booking flights. Unless youre willing to open a credit Information provided on Forbes Advisor is for educational purposes only. See related:What credit score is required for Amex cards? The annual credits are slightly lower, however. TSA PreCheck or Global Entry fee credit after paying application fee with the card. Your financial situation is unique and the products and services we review may not be right for your circumstances. If you are looking forward to more travel this year and beyond and feel confident youll take advantage of the luxury perks that come with the Amex Platinum, the annual fee should not deter you, as the value of these perks and the rewards youll earn on travel can easily cover the cost. Although the Platinum card doesnt have a very impressive rewards program, the card more than makes up for its annual fee with upfront perks for all cardholders. The Platinum card includes one of the most extensive offerings of any travel credit card, so the card is certainly worth a look for frequent travelers who put a premium on this benefit. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser.

Although theres no official checklist required to qualify for the Platinum American Express card, in general your odds of approval are better with an excellent credit score and a solid financial standing. Earn 100,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Enrollment required. See related: Chase Sapphire Reserve vs. Amex Platinum\. Your email address unlocks your approval odds.

If you apply for a credit card, the lender may use a different credit score when considering your application for credit.

Frequent travelers would be wise to compare the benefits offered by both cards to see which one has the right amount of features to fit their needs. Hotel partners include Hilton, Marriott Bonvoy and Choice. Earn Unlimited 2x miles on every purchase, every day, New Offer! Theres more benefits on this card than you can shake a skinny margarita at: A worthy contender in the premium travel credit card market is the Chase Sapphire Reserve. That depends on the user. Chase Sapphire Reserve vs. Amex Platinum\, American Express Gold Card vs. This option is typically worth 0.7 cents per point although some options can be worth more or less. The $695 annual fee might set your head spinning, but the massive list of perks and benefits that come with American Expresss top-of-the-line card offers plenty of value for the luxury traveler. Cardholders will get a rich rewards rate on travel: 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. For all it offers with perks, benefits and airline and hotel transfers, the Platinum card from American Express fails to offer competitive rewards rates on purchases. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. To view rates and fees for American Express Gold Card please visit this page. You might be using an unsupported or outdated browser. Plus, the card provides access to the extensive airport Global Lounge Collection, which includes more lounges than any other U.S. credit card program with 1,300 airport lounges in over 500 airports and 140 countries around the world. Youll be guided to start with a required Self Cr Union Bank Business Secured Visa Credit Card 2022 Review. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Please try again later. Youll still earn 5X points on flights booked directly with airlines or with American Express Travel (on up to $500,000 spent per calendar year) as well as 5X points on prepaid hotels booked with American Express Travel. Platinum Card from American Express, 1 (up to 500,000 points, 0.5 cent thereafter), Other travel purchases on American Express Travel, Shopping partner (Amazon, Best Buy, Boxed, Grubhub, Newegg, Rite Aid, Seamless, Staples), Excise tax offset fee (for transfer to travel partner), 5X points for flights booked directly with airlines using American Express Travel (on up to $500,000 on these purchases per calendar year), 5X points for eligible prepaid hotels booked with American Express Travel, 100,000 points if you spend $6,000 in first 6 months, $240 digital entertainment credit (up to $20 in statement credits each month at eligible providers Peacock, Audible, Disney+, The Disney Bundle, ESPN+, Hulu, SiriusXM, and The New York Times, enrollment required), $100 Global Entry or $85 TSA Precheck credit every 4 years, Up to $200 airline fee credit (up to $200 in statement credits per calendar year for fees like baggage fees at one qualifying airline), Up to $200 Uber Cash credit annually on U.S. rides and eats, Up to $200 hotel credit on prepaid Fine Hotels + Resorts or The Hotel Collection bookings (which requires a minimum two-night stay), Up to $300 Equinox credit (up to $25 back each month on eligible Equinox memberships, enrollment required), Up to $100 Saks Fifth Avenue credit ($50 semi annually, enrollment required), Redeem points for gift cards, shopping, travel, entertainment, merchandise or charity, Use points for all or a portion of qualifying travel purchases, Transfer points to a host of airline partners, including Delta Airlines, Must redeem travel rewards through American Express Travel, Google Play Store mobile app rating: 4.3/5, Carries thousands of dollars worth of travel and lifestyle credits, which gives users plenty of chances to offset the annual fee, Complimentary access to the largest number of airport lounges of any travel credit card, Automatic elite status with two of the largest hotel networks, giving travelers the freedom to stay in more placesand enjoy upgraded perks, Flexibility: Redeem points for gift cards, shopping, travel, entertainment, merchandise or charity, Versatility: Transfer points to a host of airline partners to find the best value, High annual fee: If the majority of discounts and upgrades that come with the card dont fit your lifestyle, it will be difficult to offset the annual fee, Low rewards rates: Other premium travel cards with smaller annual fees offer higher travel rewards in select areas and include non-travel categories like dining, which can make it easier to earn rewards quicker, Not all of the credits will have broad appeal, which will decrease the cards value for a lot of users, 10 points per dollar on Lyft purchases (through March 2025), 10 points per dollar on hotel and car rental purchases through Chase Ultimate Rewards, 5 points per dollar on air travel purchases through Chase Ultimate Rewards, Earn elevated rewards on all travel purchases immediately after earning the $300 annual travel credit, 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel. This includes major airline and hotel programs, making it easy to apply rewards toward travel to any destination. Assuming 50% of such expenses are charged to this card, total annual card spending would be $26,410. Were not convinced anyone should ever get a business secured card, but if youre in the market for one, dont bother with the . American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. Depending on the airline transfer partner, Amexs Membership Rewards can be worth an average of 2 cents apiece, according to the latest valuations by The Points Guy. $155 Walmart+ Credit: 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. Elite status with Hertz, Avis and National Car Rental with enrollment. The Capital One Venture X Rewards Credit Card also matches the 5X miles on flights when booked through Capital One Travel. Copyright 2022 CreditCards.com a Red Ventures Company. A prized perk on travel cards, airport lounges can help take the stress out of travel and often feature benefits like complimentary food and beverages, Wi-Fi access, quiet workspaces and sometimes even individual rooms or shower facilities. American Express Membership Rewards are worth 1 cent apiece when redeemed through American Express Travel. Commissions do not affect our editors' opinions or evaluations. Credit Score ranges are based on FICO credit scoring. Gold elite status with Hilton Honors and Marriott Bonvoy with enrollment. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Or if you can max out enough of the credits to make the annual cost worth it to you, then that might make it worth it. Your credit cards journey is officially underway. Plus, if you redeem your points for airfare throughAmerican Express Travel you can easily get multiple round-trip flights out of the bonus (points are worth 1 cent apiece when redeemed through American Express Travel, so the welcome bonus would be worth $1,000 if used in this way). The earning rates on the Amex Platinum card are not as impressive as those on other Amex cards or competing rewards cards from other issuers. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. It also has a competitive rewards rate on dining purchases in addition to its elevated rewards for travel purchases, making it easier to rack up points compared to the Platinum card. If you fit the profile that can take full advantage of the perks offered with the American Express Platinum Card, or if you value widespread airport lounge access at any price, this card fits the bill. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. The card earns 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, comes with an annual travel credit of up to $300 in statement credits when booking through Capital One Travel and ability to enroll for complimentary Priority Pass Membership. While it doesnt have the best rewards rate among travel cards, the Amex Platinum card is a great choice for frequent travelers who will make use of its numerous travel credits and protections. You can add up to three authorized users (for $175,. So deciding between the two will come down to which features matter most to you. Link the card to your Uber account to receive up to $200 in Uber Cash credits per year.