How To Find The 100K Welcome Bonus Offer for The Amex Platinum Card [2020]

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The Platinum Card® from American Express is arguably one of the premier credit cards available today. While the annual fee isn’t for the faint of heart, this card comes with lots of premium perks and benefits.

If this card is on your radar, you will want to apply for the card when the bonus is as high as possible. That’s because American Express only allows you to earn the bonus on a credit card once in your lifetime.

If you have been around the world of points and miles for a while, you’ve likely heard of the coveted 100,000 points introductory offer after spending $5,000 within 3 months. Earning a 100,000 point welcome bonus on this card is an ideal situation, but it isn’t available to everyone every day.

In this post, you’ll find all the information you need to apply for the Amex Platinum Card with a 100,000 point welcome bonus!

Amex Platinum Card Benefits

First, here is a quick look at some of the benefits of the Amex Platinum Card, so you can see why you might want to apply for the card in the first place.

While the card does come with a high annual fee, there are lots of benefits to help offset the annual fee and make the price tag easier to swallow.

American Express Membership Rewards points are worth different amounts depending on how you use them. If you are booking travel through the Amex Travel Portal, then you will get 1 cent per point in value.

However, if you transfer your points to one of American Express’ hotel or airline partners, your points can become much more valuable.

Redeeming Amex Membership Rewards points for statement credits, gift cards, or shopping provides less than 1 cent per point in value and aren’t the best in getting value.

How to Find the Amex Platinum 100,000 Bonus Offer

The standard welcome bonus offer for the Amex Platinum card is not 100,000, it usually varies between 40,000-60,000 Membership Rewards points. We generally value Membership Rewards points at about 2.2 cents per point, which means that a 100,000 bonus offer is worth ~$2,200 according to us.

Keep in mind that the 100,000 point welcome bonus does come with a spending requirement of $5,000 within the first 3 months so be sure you’re able to meet this minimum spending requirement.

Here is the current offer from the Amex Platinum card:

There are 2 main ways to find your 100,000 welcome bonus for the Amex Platinum Card:

  • Use the CardMatch Tool (this is the best & fastest option) – there’s no credit pull to check to see if you have the 100,000 offer.
  • Get a targeted mailing

CardMatch Tool

The CardMatch Tool is a web-based form developed by that allows you to see your best credit card offers from partner banks in seconds.

Keep in mind the CardMatch Tool only shows you offers from banks they are affiliated with; you won’t see every credit card offer that’s available to you. They currently have affiliations with the following banks:

  • American Express
  • Chase
  • Bank of America
  • Capital One
  • First PREMIER Bank

How to Use the CardMatch Tool

  1. To use the CardMatch Tool, all simply input your name, address, and last 4 digits of your social security number on the website. Then click on Get Matches.

    CardMatch Offers Landing Page
    Image Credit:
  2. You will see a list of the credit card offers that may be available to you. You can sort your list using the options at the left, but generally, that’s unnecessary because the list won’t be that long.
  3. Searching for credit card offers using the CardMatch Tool does not affect your credit score. It only requires a soft pull. You won’t get a hard pull on your credit score until you actually apply for a card.

Bottom Line: The CardMatch Tool was developed by as a way for consumers to easily see the best credit card offers available to them through their partner banks. 

Keep in mind, using the CardMatch Tool doesn’t guarantee the welcome bonus you want. Also, try searching for the card in “incognito” mode on your browser, this may display a different offer. Here’s an example of a 75,000 welcome offer that became available when searching in incognito.

Amex Platinum 75k offer
Offer in the image is not a current reflection of any public offer. Image Credit: American Express

If you are getting creative or using incognito browsers to find the best offer, do so with caution. According to the terms and conditions of applying for an American Express credit card, American Express reserves the right to not honor a welcome bonus that wasn’t intended for you. According to their website,

“If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer(s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership Rewards® points to, we may freeze Membership Rewards® points credited to, or we may take away Membership Rewards® points from your account. “

Targeted Mailings and Offers from American Express

If you are lucky, you might just find an elevated offer for the Amex Platinum Card in your mailbox one day. But there are a few things you can do to give yourself the best chances of having this offer mailed to you.

Turn On Email Settings

If you want to put yourself in the best position for receiving targeted offers from American Express, be sure to sign up for their credit card offers by email.

  1. Log into your American Express account.
  2. Select Account Services in the top menu bar. Then select Alerts, Communications & Privacy, then General Marketing Email Preferences.

    How to sign up for email card offers from Amex
    Image Credit: American Express
  3. Make sure the New Card and Credit Offers is toggled to On. Be sure to save your selections at the bottom of the page.
Amex Marketing Email Preferences
Image Credit: American Express

Reasons You May Not Get a Targeted 100,000 Bonus Offer

Bad Credit: First and foremost, make sure your credit score is as high as possible. You should be using your current credit responsibly and paying off your bill in full and on time each month.

You Already Have an American Express Card: According to crowdsourced data, you might be less likely to get a targeted offer like this if you already have an American Express credit card.

Membership Rewards Points Are Super Valuable

It’s no secret that we’re huge fans of American Express Membership Rewards points.

They’re the most valuable points on our monthly valuations, and this is largely due to their wide-range of transfer partners. You can transfer your Membership Rewards points to airlines in every major alliance and a ton of non-alliance partners like Emirates, Etihad, and JetBlue.

Likewise, you can transfer to a handful of hotel loyalty programs like Marriott Bonvoy and Hilton Honors. This can be useful for booking free hotel rooms during special events and other times when hotel rooms may be unreasonably expensive.

Here’s a look at American Express’ current list of transfer partners:

Amex Airline Transfer Partners

Amex Airline Transfer PartnerMin TransferTransfer Ratio
(Amex > Partner)
Transfer Time
1,0001:1.62-12 days
Air Canada1,0001:1Almost Instant
Alitalia1,0001:1Almost Instant
Aer Lingus1,0001:1Almost Instant
ANA1,0001:13 days
Avianca LifeMiles1,0001:1Almost instant
British Airways
1,0001:1Almost Instant
Cathay Pacific1,0001:1Up to 1 Week
Delta Air Lines1,0001:1Almost Instant
EL AL1,00050:1Almost Instant
Emirates1,0001:1Almost Instant
Etihad Airways1,0001:1Almost Instant
FlyingBlue AirFrance/KLM1,0001:1Almost Instant
Hawaiian1,0001:1Almost Instant
Iberia1,0001:11-3 days
JetBlue2501:0.8Almost Instant
Qantas5001:1Almost Instant
Singapore Airlines1,0001:11-2 days
Virgin Atlantic1,0001:11-2 days

Amex Hotel Transfer Partners

Amex Hotel Transfer PartnerMin TransferTransfer Ratio
(Amex > Partner)
Transfer Time
Choice Privileges1,0001:1Almost Instant
Hilton Honors1,0001:2Almost Instant
Marriott Bonvoy1,0001:1Almost Instant

Taking all of these transfer partners into account, we value Membership Rewards points at around 2.2 cents per point. This means that the 100,000 welcome bonus should be worth at least $2,200 when redeemed for travel through transfer partners, but you’ll often be able to get much more in value.

Keep in mind that this is higher than our valuations for Chase Ultimate Rewards points, Citi ThankYou points, and Capital One miles. And that’s not because these other points currencies are bad, but simply because American Express’ list of transfer partners are unmatched.

For example, you can use British Airways Avios and Avianca Lifemiles for short-haul awards, or you can use Asia Miles, Aeroplan, Etihad Guest, and Singapore Airlines Krisflyer miles for long-haul routes in excellent business and first class cabins.

While these transfer partners aren’t exclusive to Amex, having so many transfer partners in one place keeps your points flexible.

How To Use The Amex Platinum 100,000 Bonus

To put this the value of Membership Rewards points into perspective, we’ve rounded up some of the best uses of 100,000 Membership Rewards points below. These are some of the most lucrative Membership Rewards redemptions that show you just how far 100,000 Membership Rewards points really go.

Let’s take a look!

Singapore Suites From New York (JFK) to Frankfurt (FRA)

Singapore Airlines new A380 First Suite Double Bed
Singapore Airlines’ new A380 Suites features a double bed and separate lounge chair, and you can book it with your Membership Rewards points. Image Credit: Greg Stone

Ever wanted your own bed in the sky? Well, now you can have it: just transfer your Membership Rewards points to Singapore Airlines Krisflyer and book the famous Singapore Suites first class.

Singapore Airlines flies this product on its A380 fifth-freedom route between New York (JFK) and Frankfurt (FRA), making it the most fashionable way to fly between the U.S. and Europe.

To book, find dates with saver award space on the Singapore Airlines website and transfer 86,000 Membership Rewards points to Singapore Airlines. Check out our full guide to booking Singapore Airlines award tickets here.

Once on-board, you’ll be treated to some of the best service in the sky, with top-notch champagne, complimentary caviar, and all of the other bells and whistles you’d expect from one of the world’s best first-class products. And if you depart from Frankfurt, you can enjoy Lufthansa’s first class Senator lounge pre-flight.

Cathay Pacific Business Class Awards To Asia

Cathay Pacific Airbus A330 Business Class Seat
Fly to Hong Kong and beyond by transferring your Membership Rewards points to Cathay Pacific’s Asia Miles loyalty program. Image Credit: Greg Stone

Cathay Pacific’s Asia Miles loyalty program lets you book reasonably priced Cathay Pacific business class awards to Asia.

For example, you can book business class flights from the U.S. East Coast to Hong Kong and beyond for just 85,000 Membership Rewards points transferred to Asia Miles, giving you a chance to try one of the best business class products in the sky.

Hot Tip: Enjoy a free stopover on all Asia Miles award tickets — just perform a multi-city search and enter the city you’d like to stop in. There are no additional points required to take advantage of this benefit.

Even better, you’ll pay very minimal award taxes and fees when you book through Asia Miles, so you won’t break the bank in the process. You can also use Asia Miles to book tickets on other Oneworld carriers like American Airlines, British Airways, Qatar Airways, and more. Check out our full guide to the best Asia Miles redemptions for more info.

Fly ANA Business Class From The U.S. to Tokyo

ANA Business Class
Just 90,000 Membership Rewards points will get you from the West Coast of the U.S. to Tokyo in business class! Image Credit: All Nippon Airways

Virgin Atlantic Flying Club is one of the more overlooked Amex transfer partners, but it has an interesting partnership with Tokyo-based ANA.

Despite not being in the same airline alliance, the 2 airlines have joined forces to let Flying Club members redeem points on ANA flights for an insanely low points cost.

Currently, you can book a round-trip award ticket from the U.S. to Tokyo for 90,000 miles from the U.S. west coast or 95,000 miles from the U.S. midwest or east coast.

And if you have the miles to spare, you can book the airline’s award-winning first class for 110,000 or 120,000 miles from the U.S. west coast or midwest/east coast respectively.

This is an excellent deal, especially when you consider that Air Canada’s Aeroplan loyalty program charges 105,000 miles for a one-way ticket from the U.S. to Tokyo in first class. So if Japan is on your bucket list, make sure to check out our full guide to booking ANA flights.

13 Short-Haul Trips in The U.S.

United Award Flights
Fly around the U.S. for free on United Airlines when you transfer your Membership Rewards points to Avianca LifeMiles. Image Credit: United Airlines.

Transfer your Membership Rewards points to Avianca LifeMiles and you can book short-haul United Airlines tickets starting at just 7,500 miles 1-way.

Mileage costs vary by route as Avianca splits the U.S. into 3 different award regions: United States 1, 2, and 3. In short, region 1 is the east coast, 2 is the midwest, and 3 is the west coast.

Hot Tip: Domestic U.S. award tickets booked with Avianca LifeMiles are operated by United Airlines as both carriers are in the Star Alliance.

Flights within a single region cost 7,500 miles in economy class, moving 1 region over costs 10,000 miles, and a trip spanning 3 regions costs 12,500 miles.

This means that you can book a flight from Chicago O’Hare (ORD) to Austin (AUS) for 7,500 miles as they’re in the same region. This is by far the cheapest way to book short-haul domestic U.S. award tickets with Amex points.

So if you’re someone that likes to travel around the U.S., definitely give LifeMiles transfers a shot. Your 100,000 Membership Reward welcome bonus is enough for 13 short-haul trips within the U.S.!

Final Thoughts

An offer for 100,000 bonus points on an Amex Platinum Card is like a four-leaf clover; it exists but can be hard to find.

If you are lucky enough to get a 100,000 welcome offer after spending $5,000 within your first 3 months, make sure you analyze if the Amex Platinum Card is worth the annual fee before you apply for the card.

With a 100,000 welcome offer worth at least $1,000, it most likely is, but always see if it makes sense for you and your finances. It’s always smart to know all the perks the card offers before you apply

After you have earned the 100,000 bonus points, let the fun begin figuring out the best way to use all those Membership Rewards points.

For rates and fees of The Platinum Card® from American Express, click here.

Frequently asked questions

How much are Amex Platinum points worth?

The value of the points you earn through your Amex Platinum Card varies based on how you use them. If you are booking travel through the Amex Travel Portal, you will get 1 cent per point in value. But, if you transfer them to hotel or airline partners they can be worth much more!

So, at a minimum, a 100,000 Amex Platinum Card bonus would be worth $1,000 in travel.

Where can I find an Amex Platinum 100,000 link?

Finding a link for an Amex Platinum Card welcome bonus isn’t easy. You need to be targeted for the 100,000 offer. Using the CardMatch Tool is a good way to check to see if you are eligible. Also, make sure you are signed up to receive credit card offers from Amex. You might get lucky and find this offer waiting for you in your mailbox soon.

Is the Platinum Card from American Express worth it?

This is a great question, but the answer will vary from person to person. The Amex Platinum Card comes with a lot of benefits, but also a steep price tag. If you aren’t sure if this card is right for you, check out our analysis of the perks and benefits to help you determine if the Amex Platinum is worth it.

Katie Seemann

About Katie Seemann

Katie is an Ohio native who caught the travel bug after spending a semester in college in Nottingham, England. In addition to exploring England, she visited Ireland, Scotland and the Netherlands during that time and loved every minute of it (everything except the hostel in Scotland – that’s an experience she doesn’t intend on repeating!) In 2015, Katie discovered the world of points and miles, and since then she’s earned countless points and has an embarrassingly large number of credit cards in her wallet (which she needs a spreadsheet to keep track of!)

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Sounds like a great credit card offer but I’m still searching for a something with no annual fee.


    • Hi,
      Yes, this is a great offer but definitely not if you are looking for a no annual fee card! American Express does have some great no fee cards that you might want to check out.


  2. Hi Katie,

    I’m very interested in the Amex Platinum, but I don’t want to miss out on the 100k offer the way I missed out for my CSR. I’m told that if I already have an Amex card, it will be unlikely that I will receive this offer. I currently do have a Blue Cash Everyday, however, I do get targeted offers directly from Amex for the 50k bonus offer on the Gold Card. I’ve got this offer at least twice, if not 3 times, in the last year. Would closing out my BCE increase my odds of getting this offer? I also try card match, but for some reason, the only results I get are for 3 Chase Cards (the Freedom and Freedom Unlimited, which I already have, and the CSP, which I don’t need since I have the CSR). I have gotten special offers from my browsers (Chrome and Safari) for 70k and 75k offers. Some people tell me I should just accept that and give up on the 100k, but I’m not sure if I want to do that. What are your thoughts on this?


    • Hi Jason,
      Unfortunately, there is not one right or wrong answer here. While I don’t know for sure, I don’t think canceling your Blue Cash Everyday card would increase your odds of getting the 100K Platinum Card offer.
      If you have an immediate need for the Platinum card or could start using the benefits right away, I would seriously consider the 75K offer – that’s a pretty good bonus! However, if you can wait, it might not hurt to give it a little more time.


  3. How would a new customer without an active Amex card sign up for email settings on the Amex website?

    It says you need an American Express card to sign up.


    • You are correct, D. Cooper, signing up to receive email offers for additional Amex cards requires having an American Express account. You could try using the Card Match tool to see if you have any offers available.


  4. Hi Katie,

    You mentioned that transferring points to airlines or hotel partners may increase the value. Can you give some specific examples?

    Thank you


  5. Raul F Bustos November 3, 2019

    Amex is not a premier credit card it’s a “Charge” card, pay in full at the end of the month!


    • Hi Raul,

      American Express offers both credit cards and charge cards. If you’re referring to the Platinum card outlined in this post, then yes that is a charge card.

      Thanks for reading!


  6. Cynthia Jones January 4, 2020

    How long do I need to keep my Amex Card at this level to qualify for the bonus? If I decide to downgrade to a lower fee after 6 months, do I lose the bonus I received?


  7. Curious why incognito mode would make a difference checking offers on CreditMatch. After providing your name, address, and partial SSN, how stealthy could you be?


    • Hi John,

      The article is referencing using incognito mode to check for new offers displayed on the American Express website (since it doesn’t track your cookies), not through Card Match. Apologies if that wasn’t clear!


  8. If I have a delta sky miles credit card, are you saying I can transfer those miles to Air Canada? Or any of those other airlines you mentioned or does it have to be just Amex and not a delta Amex?


    • Hi Sally,

      This article is referring to the American Express Membership Reward transfer partners. To utilize those you would need an American Express card that earns Membership Reward points like the Amex Platinum card or the Amex Gold card.

      You can use your Delta Skymiles to book flights with their SkyTeam airline partners, but you cannot transfer your Delta SkyMiles to those airlines, the booking must be done through Delta.

      I hope that helps clear things up!

      Thanks for reading!


  9. Hello,

    My flight is about 24 hours away but I’m unable to pay for extra luggage online because of a pop up that the system wasn’t available.

    Please, do you know when the online payment option will become active?


    • Hi Sunday,

      I cannot say as depending on who you purchased your flight with, it could be passed their allowable window for adding luggage online, or even an IT issue. With that said, you should be able to purchase your extra luggage when you arrive at the airport and check your bags.

      Thanks for reading!


  10. Byron Tyson April 3, 2020

    Hello Upgraded Points Team,

    I know this post is about the Amex Platinum card but was curious about your thoughts on the Delta Amex Platinum card. I recently missed the window for the 100k (80k first year after 3k spend and 20k once renewed) sign on bonus. When, if ever, do you think an offer like this would return?


    • Hi Byron,

      We cannot say definitely, but American Express usually runs increased transfer bonuses on their cards a couple of times per year. More likely than not, it will probably be a few months before we see an increased offer on the Delta cards again.


Any thoughts or questions? Comment below!

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