American Express Platinum – $0 First Year Annual Fee & 25,000 Membership Rewards Bonus

Platinum Card from American Express   Ameriprise Financial

American Express has brought back the 25,000 point sign-up bonus on the Ameriprise version of their Platinum card. This version waives both the $450 annual fee and the $175 additional cardholder fees for the first year.

The normal offer on this card does not come with a sign-up bonus, so the 25,000 bonus points after $3k in spend during the first three months represents the increased bonus. Unlike last year during a similar increase, there is no firm end date for this offer.

While this card is meant for Ameriprise clients only, some non-Ameriprise clients have reported having success getting this card in the past. You can find the application link here.

For more info, see this Doctor of Credit post.

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  1. I had the regular Amex Platinum (not the Ameriprise version), got 50K MR points, and cancelled the card in 2012. Does Amex’s once-in-a-lifetime rule apply for the bonus here?

  2. My husband is an authorized user on my platinum card (which I’ve been planning to cancel–as soon as my new MR points post and I can transfer).

    Should he wait until I’ve cancelled to apply? Do you think it will make a difference?

  3. I cancelled my regular Amex Plat (got the 100K targeted offer) in Feb.’15. Is this offer different enough to get it?

  4. The terms do mention needing to be approved before 6/30, so I’d plan for that as the end date unless we hear otherwise.

  5. If they consider it the same as the regular Platinum and as a result they don’t waive the first year fee or give you the bonus points you can just cancel the card right away. So no real downside as to whether AMEX considers it a different product or not. Might as well go for it and see what happens. Either win or draw.

  6. Hi there, I recently received my AMEX Platinum through this no annual fee sign up. In the T&Cs it does say that the additional cardholder fees are in place like normal ($175)… is this an anomaly or did I just miss out on this perk for free AUs for first year?

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