Should you get the Amex Platinum or be an authorized user?

One of the most popular premium credit cards is American Express Platinum Card。 There are many annual membership fee (see) Price and price), You can provide a lot of value to the appropriate types of travelers.

Each costs $ 195 Additional platinum card members Add to your account (see Price and price) Nevertheless, these additional card members may be asking important questions: I should stay as a certified user. Platinum card My own?

There are some guidance that can help you make that decision.

AMEX Platinum The annual membership fee is $ 695 (see) Price and price) If you are the approved user, you will pay an additional $ 195 to the annual fee.

It is important to compare the cost difference between holding your AMEX Platinum and being a certified user in someone else’s account. As a result, it is recommended that you crunch the numbers and see which is the most reasonable.

There are several discussions that agree with having yourself AMEX Platinum。 Of course, they start with a welcome offer.

If you are added as a certified user, you will not get your own welcome offer. However, if you apply (and approve) a platinum card as a primary card member, you can get it. 80,000 membership reward points After $ 8,000 for a qualified purchase within the first six months of the card membership. This bonus is worth $ 1,600 based on TPG in January 2025 evaluationThank you for the array Valuable way to use AMEX points。

(Professional hints: Be sure to check Card match tool Check if you are targeted Even higher welcome ghostsThese may be changed at any time. )

Welcome Oofer is a one -time privilege First year。 Beyond that, AMEX Platinum, which is given once for each account, has some important advantages. If you can maximize one of the following, you may be an excellent candidate to get your own platinum card.

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• Monthly Uber Cash:* Please get up $ 15 every month Uber Cash (Bonus of $ 20 in December) and AMEX Platinum as a payment method to the Uber account. Credit can be used for Uber Rides, and Uber can eat orders in the United States, even for Uber customers. This gains up to $ 200 every year. Once AMEX Platinum is added to the Uber account, you can use an AMEX card to exchange Uber Cash.
• Digital entertainment credit:* AMEX Platinum offers up to $ 20 -dollar statement credits every month when using cards for subscriptions. Select a digital entertainment providerIncludes Disney+and New York Times. Maximizing these credits can enjoy up to $ 240 value every calendar year.
• Clear Plus Statement Credit:* obtain Up to $ 199 with the annual statement credit When claiming a clear plus membership cost to AMEX Platinum.
• Hotel statement credit credit: As an AMEX Platinum card member, you can access the benefits of luxury hotels Luxury hotel +resort and Hotel collection (The latter requires a minimum stay of 2 nights). You can enjoy it when making a prepaid reservation using the property that is participating in any of these programs Up to $ 200 with statement credit Every calendar year.
• Credit of an air statement:* Also comes with AMEX Platinum Up to $ 200 with annual statement credit In the case of an accompanying fee charged for a card at an airline specified every calendar year. As a result, you will visit the airline lounge by covering your baggage charges, assignment of seats, or guest paths.

*Registration is required. The conditions apply to these benefits.

Expenditures as a certified user can trigger these benefits of the primary platinum card account, but cannot get their own sets as additional platinum card members. If you use these benefits regularly, it may be worth obtaining your own platinum card.

Insert specific dollars on these advantages based on your own use in the next 12 months. If the number exceeds $ 500, you are a good candidate to get your own platinum card.

Between the welcome gourmet and these statements, including those that can be doubled in the first year, may be the perfect time to become a major card member of AMEX Platinum.

Related: What to do when you get AMEX Platinum

Obviously, if you are under the age of 18, your only real option is to be an additional platinum member. And even when you turned 18 AMEX Platinum There are several Very harsh requirements Approved. Recent high school graduates with a limited credit history may need to be permitted by users for several years (and need to build their own. Credit score) Before considering acquiring AMEX Platinum itself.

Beyond that, maintaining (or becoming) a certified user is likely to make the most reasonable for those who appreciate the benefits expanded to additional platinum card members, but the above advantages. Don’t worry about it. After all, access to American Express Global Lounge CollectionCredit of the statement Global entry or TSA PRECHECKand Free gold status Marriott Bonboy and Hilton’s honor all extends to certified users. And paying $ 195 per year is still bargains for frequent lounge visitors and ordinary Marriott and Hilton guests. Registration is required. The conditions apply to the selected benefits.

If you are still in the fence, calculate the numbers by applying dollars to these advantages. For example, how much does it cost to enter? AMEX CENTURION Lounge? The guests of the primary platinum card members are $ 50 (unless they are there Unlock the guest privilege By spending $ 75,000 on the card in the calendar year).

Related: Is AMEX Platinum worth the annual membership fee?

Of course, for some customers, none of these are meaningful. Maybe you had it before AMEX Platinum therefore Not qualified for welcome orofer。 Perhaps you only access the airport lounge several times a year or use the hotel elite status.

Again, we calculate the numbers based on the value of the real world obtained from the annual benefits. If the value is less than $ 195, it is better to cancel the approved user card.

American Express platinum card Some people want to claim $ 195 to certified users and consider deleting additional platinum cards from their accounts, while others want to take into account when it makes sense to become a major card member.

Especially if you are targeting the height of the offer, start by looking at the welcome ghost. Next, identify the value of additional benefits to unlock with your Amex Platinum card. Keep in mind that some are based on the calendar year. Make sure that you choose whatever you choose.

Please read the details of the card AMEX Platinum Complete Review。

I will apply here: AMEX Platinum

Click on the AMEX Platinum fee and fee here。