How Much Is A 100K Amex Platinum Card Offer Worth?

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The CardMatch Tool, which is offered by, often gives people access to bigger targeted card welcome bonuses. In order to use the tool you have to enter your name, address, and last four digits of your social security number, and based on that, it may make certain non-publicly available bonuses available to you.

A couple of days ago The Points Guy reported on a targeted 100K welcome bonus after spending $5,000 within three months on the Amex Platinum Card through the CardMatch Tool. After entering your info through this link, you might have to click on either “Pre-Qualified” or “CardMatch Special Offers” on the left side of the page to find this offer. For others it will just appear directly on the page, and for others it won’t appear at all. Again, this is targeted, so not everyone will be eligible for this offer.

This is significantly better than the current publicly available bonus of 60K Membership Rewards points.

Anyway, there are a couple of interesting things I’ve noticed the past couple of days as it pertains to this offer, which I figured were worth passing on.

There’s potentially also a targeted Amex Premier Rewards Gold Card 50K offer

Some readers have reported seeing a targeted offer through the CardMatch Tool for 50,000 Membership Rewards points after spending $1,000 within three months on the Premier Rewards Gold Card. This is an exceptional deal, and much better than the typical 25,000 point welcome bonus on the card. The card has the annual fee waived for the first 12 months, and offers a fantastic return on spend. On top of that, the card comes with a $100 annual airline fee credit, so if you apply for the card now you could receive a $100 airline fee credit now, and then another one in January.

So it might be worth checking the CardMatch Tool to see if you’re eligible for that.

How much is an Amex Platinum 100K welcome bonus worth?

One thing that surprised me is that several people said they were targeted for the 100K offer but aren’t applying for it, since they don’t want to pay the $550 annual fee. I get that $550 is a high annual fee, but I figured it makes sense to put some value to this welcome bonus, since I think literally anyone would come out way ahead applying for this card.

To start, I value Membership Rewards points at 1.7 cents each, so to me the 100K points are worth $1,700. However, I get others value those points less, and at an absolute minimum you can get a penny per point, which is $1,000 worth of travel, gift cards, etc.

But there’s much more than that:

  • You get a $200 annual airline fee credit now, and then another $200 annual airline fee credit in January, meaning that potentially within just over a month you’ll get back $400 worth of airline fee credits
  • In your first 12 months you’ll receive $200 worth of Uber credits

To me that would more or less wipe out the $550 annual fee. This doesn’t factor in the welcome bonus, and doesn’t factor in the other incredible benefits of the card, including things like access to Amex Centurion Lounges, Delta SkyClubs, and Priority Pass Lounges, Hilton and Starwood Gold status, a Global Entry fee credit, 5x points on airfare purchased directly with airlines, etc.

Everyone has to decide what makes the most sense for them, but I couldn’t imagine being targeted for this offer and not taking advantage of it, personally…

So if you haven’t yet applied and/or checked your eligibility, head over to the CardMatch Tool.

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  1. Hey guys,

    which Lounge has the best food in Bangkok airport? Is it possible to come early (5-6 hours) before the departure to enjoy the Lounge?


  2. If a family member has access to this targeted 100k offer, would I be able to apply for it myself using their link? In other words, is access to the 100k online application enough or do they end up tracing it to the prequalified name in order to approve the higher bonus?

  3. The RT ANA redemption makes it all the way worth it even if the offset credits didn’t exist. I used 95,000 MR’s + $400 FS for LAX-PEK, HKG-LAX via ICN in business class earlier this year.

  4. How often is card availability updated at CardMatch? I received basically nothing two days ago, and am trying to figure out how long to wait before trying again

  5. There’s another appealing feature of this Plantinum Amex card 100,000K offer: according to the offer I received, this will not be a hard inquiry on your credit report, rather a “soft inquiry”. You’ll want to double check this yourselves, but that is what I read and what struck me as unique to this offer. If maintaining your credit score is important to you, an application for credit without a hard inquiry — which stays on your file for 2 years — this offer may deserve special attention.

  6. I agree the Amex Platinum with 100K is worth getting. But for many folks like myself, it’s only worth it for the first year, as a one(-year)-and-done type of deal. The $200 Uber credit has to be used up in monthly increments, and the $200 annual airline fee credit is gamesmanship at its finest. I think I bought AA gift cards to use the credit, but it felt like half-hassle, half-hustle pulling it off. Cancelling the Amex Plat before the first anniversary date was a no-brainer.

    The Chase Sapphire Reserve (with 100K) provides better overall value for infrequent travelers, offering a no-hassle, easy-to-use $300 annual travel credit, an annual fee of only $450, 3x points at restaurants, primary car rental insurance, etc.

  7. Does anyone know if a Delta upgrade from economy to first would be covered under the annual airline fee credit allowance?

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