The Platinum Card® from American Express is one of the best premium rewards cards on the market thanks to its extensive benefits, from lounge access to monthly statement credits. 15,00,000 (and their company must have been trading for at least 12 months). When the $695 annual fee posted (see rates and fees), I wanted to make sure I made it worth my while. Blue Cash Everyday® Card from American Express - best for cash-back beginners. First Year Fee: Rs. New cardholders get $1,200 for spending $30,000 in the. gas stations and U. Over the years, we've seen The Platinum Card® from American Express increase from a $450 annual fee to $695 . Here's what you need to know about the Charles Schwab version. The current public offer is: Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. That's nearly three times the. Check To See if You Have Offers;. 1. 4. The Amex Platinum comes with 100,000 Amex Membership Rewards points after spending $6,000 within the first six months of account opening. 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year), on prepaid. This page includes information about the American Express® Green Card, Amex EveryDay® Credit Card, Hilton Honors American Express Aspire Card, and the. 15,000 within 90 days of Cardmembership entitles you to a Welcome Gift1. For new to American Express Card Members . Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. The Amex Platinum card is a great way to build up your Membership Rewards balance. 1 Digital wallets are Apple Pay™, Samsung Pay, Google Pay™, Fitbit Pay™, PayPal or Amazon Pay. We'll discuss what it covers and which cards provide it as a benefit. Find out what credit score you need to get approved for an American Express card. Up to $300 Dining Credit per year. For example, you’ll need to provide information such as your name, email address, date of birth, Social Security number, and income. Here's a rundown of how to maximize the benefits of the Amex Platinum Card. The highest offer I've seen is 100,000 bonus points for The Platinum Card® from American Express. Find Your Minimum Spending Requirement. You are all set to receive your American Express Charge Card subject to the approval of your application. Really, there’s no reason why you shouldn’t do this. 3,500 plus applicable taxes. American Express will refund. A four-digit membership fee is no small amount of money, but AMEX dangles a big carrot to offset the pain: S$1,354 of annual statement credits, broken down into: S$200 local dining credits. credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by. You can have a maximum of four five American Express credit cards at one. TERMS AND CONDITIONS. American Express® Platinum Card: Charge Card: INR 60,000: N/A: 3. Delta SkyMiles® Platinum American Express Card: Basics. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. As of now, there’s no annual fee waiver for this American Express credit card. com, click Cards, then click Check for Pre-Qualified Credit Card Offers. If approved for Global Entry, at no. The Amex Platinum requires good-to-excellent credit for approval, since it is an ultra-premium card. Blue Cash Preferred gives you 6% cash back at U. When I saw the annual. Minimum Requirements for an Amex Card Approval. This includes making on-time payments and paying your balance – all while using the card frequently. Came back and said I was approved and to expect the new card within 1-2 weeks. Upgrade to the Platinum Card®. Right now, there is a generous welcome offer on the Amex Platinum: Earn 80,000 Membership Rewards Points after you spend 80,000 on purchases within the first six months of card membership. It showed up in my Chase online portal within 10 minutes. American Express Platinum Travel Credit Card rewards you in the following two ways: Earn 1 Membership Rewards Point for every2 Rs. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. spend of S$6,000 and annual fee payment within 2 months of card approval. *Platinum Members can choose to convert their Membership Rewards points to Frequent Flyer Miles from Airline Partners. The Platinum Card® from American Express comes with 80,000 Membership Rewards® points after you spend $8,000 on. 2 Do not previously hold a Basic Platinum Card® that was terminated/closed in the last twenty-four (24) months prior to the application. The average initial bonus is 30,719 points/miles or $233 cash back. In exchange for a $695 annual fee, the card. Cardmembers will receive statement credits for their total spend on NEXUS fees rounded down to. 5 cents per mile. 80% of my yearly travel is for work and I use a company card (not the amex) for flights, hotels, rentals, and food. The American Express® Gold Card (Terms apply. Terms apply. American Express Platinum card offers the most rewards on travel booked through American Express Travel, so you should make sure to use that for booking. Earn 180,000 points after spending $6,000 in eligible purchases within the first 6 months. Please note, there is only one (1) statement credit in a 4- year period for Global Entry or in a 4. Overview of Amex Platinum authorized users The Platinum Card comes with a $695 annual fee (see rates and fees) and has so many benefits that it's often referred to as a "membership card" — a card that you keep for its benefits rather than its earning potential. For a difference of $150, the Amex Platinum can offer a better value, since there's a long list of non-Delta benefits that are useful for other parts of the travel experience, whether that's with hotels or rental cars. Based on my valuation of 1. According to TPG's monthly valuations, Amex Membership Rewards points are worth 2 cents each, making this 80,000-point bonus worth $1,600. com, or bookings made by phone, through the number on the back of your card. This is not only the highest Amex Gold card bonus to date, but it also beats the bonus you’ll find on many competing rewards cards. The card offers a $189 annual CLEAR® Plus membership credit and an up to $100 LoungeBuddy credit. fees of The Business Platinum. Here are some of the top cards people want Amex pre-approval for: The Platinum Card® from American Express. Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. m. 5 percent cash back rate, you’ll have to spend. American Express Company (Amex) is an American bank holding company and multinational financial services corporation that specializes in payment cards. Global Dining Credit. Is 57 years old. ”. According to Credit Karma, the average score is 715, so it’s not incredibly hard to get the Amex Platinum card. Generous welcome offer: You’ll earn 80,000 Membership Rewards points after you spend $6,000 on. 2023. Application requirements are standard fare. Earn 3 points per $1 spent. Annual fee: $550 (see rates and fees). For most people, the best deal will be the card_name. Updated Oct. From now till 31 October 2022, MileLion readers can enjoy a bonus of 175,000 Membership Rewards (MR) points upon approval and spending S$20,000 in the first 6 months. Receive $450 to spend on travel each year 2, rewards points on every dollar spent and complimentary access for you and a guest to over 1,400 VIP Lounges around the world 3. Each Amex Personal Platinum card pays dividends in the form of these annual benefits: $200 in Uber Credits (good for rides and uber eats) paid in the form of $15 each month (with a $20 extra bonus in December) into the Uber account the AmEx card is added to. S. Chase IHG rewards card 8 months old with $12k limit and $0 balance. 5% of the Cash. Earn 5. You may not have access to your full credit line until after you confirm receipt of your physical Card. American Express cards are popular with a wide variety of consumers. 1 Though the fee is paid once a year, the math works out to about $58 a month. Earn a $300 statement credit after spending $3,000 on eligible purchases within three (3) months of agreeing to keep the card. Bottom line. The Amex Gold card is geared toward people who shop frequently, eat out a lot, and do a lot of everyday spending. Additionally, this card has no introductory APR offer. This is an automated fraud. And the AMEX Platinum cards come with extremely valuable bonuses! The Platinum Card® from American Express card comes with a 60,000 AMEX Membership Rewards point bonus after you spend $5,000 on purchases within the first 3 months of. Send & Split is available in the Amex App if you have a U. CardExpert Rating: 5/5. Other banks also issue American Express cards. However, there is a solution: You can try to get preapproval for an American Express credit card. View all cards . S. The American Express ® True Cashback Card. American Express maintains a strict rule of one bonus per card for life regardless of the family of cards (cobranded hotel and airline, business, cash-back and rewards cards ). Enroll Now. Terms Apply. You will get 4 additional points (for a total of 5 points) for each dollar spent on eligible air and hotel purchases. 11, 2023, and TPG values this bonus at $1,260. Since both cards offer fantastic benefits and lucrative point earnings, you might think that it can. Currently, that card is offering a welcome bonus of 100,000 Membership Rewards points after spending $6,000 on purchases in your first six months of card membership. ca/travel 5. With a steep $695 annual fee, The Platinum Card® from American Express (Terms apply. From the second year onwards, the renewal fee is ₹5,000 plus applicable taxes. The Platinum Card® from American Express currently is offering a good welcome bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6. gas stations (on up to $15,000 in. AMERICAN EXPRESS. Plus. Then 6wks later applied for Amex Green (personal) and got the pop up again. Points are worth as. Click on “Benefits” and choose “$189 Clear credit”. Right now, new applicants for the Amex Platinum card can earn 80,000 bonus points after spending $8,000 on purchases in the first six months of card membership. This is a good bonus for a card that doesn’t get much attention. With The Platinum Card® from American Express purchase protection, you get up to $10,000 in coverage per covered purchase with an annual limit of $50,000. American Express has an impressive lineup of rewards credit cards with hefty welcome offers and useful perks. That sum is the primary reason why I canceled The Platinum Card® from American Express (Terms apply, see rates & fees ). , and earn 4X Membership Rewards ® points at U. Cardmember agreement states no annual fee for first year, then $595 on renewal. American Express has launched a new sign-up offer for the AMEX Platinum Charge, which is valid for approvals up till 31 January 2023. However, several applicants with credit scores in the 600s have also been approved, even as low as 643. services) may seem like the most valuable benefits of The Platinum Card® from American Express, there are a number of lesser-known perks the card. If you've got The Platinum Card® from American Express,. A Gold card's annual fee is $250 per year; the Platinum card's annual fee is $695. Plus, the various other benefits of the card can be worth even more for most frequent travelers. 4500 will be 100% waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs. Although perks like unparalleled airport lounge access, an up to $200 annual airline credit, up to $200 annual prepaid hotel statement credit and up to $200 annual Uber credit (for U. AmEx Platinum vs. On this card, I received an offer of 55,000 Membership Rewards points for spending $4,000. The Platinum Card from American Express Review. Amex Platinum Card Amex Business Platinum Card; Welcome offer: 80,000 Membership Rewards Points after you spend $8,000 on purchases within the first six months of card membership: 120,000 bonus Membership Rewards points after you spend $15,000 on purchases in your first three months of card membership: Earning ratesAmerican Express® Business Gold Card. Get Coverage of INR 5 Cr for death due to air accident, if your air ticket is bought on the Platinum Card. spending of S$6,000 within first 2 months of Card approval if you are new to American Express, enough to redeem a return trip to Europe, USA (West Coast) or Canada. The first is an Uber Cash benefit and the other is a Dining Credit that can be used. Its annual fee is only $150, and you can. The Platinum Card® from American Express is most definitely the latter. Our quick take : The Platinum Card® from American Express is the gold standard of luxury rewards. The current welcome bonus for the Amex Platinum is 80,000 Membership Rewards Points after you spend $8,000 on purchases within the first six months of card membership. Applicants also must be at least 18 years old and have a physical U. Learn More. The current welcome bonus for the Amex Platinum is 80,000 Membership Rewards Points after you spend $8,000 on purchases within the first six months of card membership. If. I/we authorize American Express Banking. 60 spent with Singapore Airlines, SilkAir and Scoot directly or through The Platinum Concierge. The phone numbers provided below have been typically called the Amex Reconsideration Phone Number, but realistically you can call even if your application has not been rejected yet and is merely pending. Darren Murph. This is where the confusion starts. In addition, you should plan to spend $8,000 in the first 6 months to earn the card’s initial bonus of 80,000 points. No prior biz plat cards. Oct 8, 22, 5:21 am. Chase Sapphire Reserve: Reserve Has More Mass Appeal. Scroll until you see "$240 Digital Entertainment Credit. To be eligible for the American Express Platinum credit card: Your age must be 18 years or above. Spend $250 or more, get $50 back. Delta Travel Benefits. Complimentary access to airport lounges worldwide, hotel elite status, and car rental privileges all make travel more comfortable. So, yes, in the "normal" world, a 160K (or $170K) on a Business Plat with NLL for $15K spend seems the best way to work things. 80 (incl. While this fee is hefty, earning the generous welcome bonus is a great way to offset your costs in your. Bottom Line. Bottom line. 9 Update: The new offer is 150k. There are three steps to getting an instant approval credit card that you can actually use immediately: Online credit card application. Receive $450 to spend on travel each year 2, rewards points on every dollar spent and complimentary access for you and a guest to over 1,400 VIP Lounges around the world 3. Valid until 28 February 2024. Minimum Requirements for an Amex Card Approval. You can avoid this charge by spending $75,000 on your Amex Platinum or Amex Business Platinum Card each calendar year or adding authorized users to your card. Call through the dedicated telephone number: +65 6880 1600 2. 1 Spend £10,000 in your first 6 months to earn 75,000 points. Annual fee S$172. Redeem up to $750 worth of Travel with 100,000 Membership Rewards Bonus Points to spend on eligible flights, hotels, car hire with American Express Travel 1. Restaurants and U. The current best offer is 125k+$200. Get up to $200 Dining Credit3. Depending on your spending preferences, that can mean big travel, wellness, and entertainment opportunities. Brilliant® American Express® Card. That said, it does come with a. Personally, while I don’t use every perk of the Amex Platinum card, I find I can easily offset the annual fee every year thanks to the up to $200 airline incidental credit, up to $240 digital entertainment credit, up to $200 in Uber Cash, and up to $189 annual CLEAR credit. Its $250 annual fee may seem high compared to the lower-annual-fee Delta Gold Amex, but you get a generous welcome offer and valuable benefits in return. American Express only allows you to earn the bonus on each card once per lifetime. First, check our Learn More link in the above table. While there is no set score that will guarantee that you will be approved for an Amex card, you will generally need good to excellent credit to qualify for. These perks come at a cost, though — the card's annual fee is $695 (see rates and fees), making it among the most expensive of all consumer cards to carry. of 9% GST with effect from 1 Jan 2024) waived for the first year. Find Out if. That's only $1,333 of spending per month required. Updated: Jul 10, 2023, 2:32pm. American Express has a very close relationship with Delta, and it offers several Delta SkyMiles credit cards. Second Year Fee: Rs. The Amex Platinum Card for Morgan Stanley earns: 5 points per $1 on airline tickets purchased directly with airlines or with American Express Travel, on up to $500,000 in spending per calendar. Compare Card. You earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these. Basic Consumer Card in your American Express Online Account. Specifically, the Amex Platinum card has a $695 annual fee, while the Amex Green card has a $150 annual fee. Editor's note: This is a recurring post, regularly updated with new information. The card number, credit limit, and APR won’t change. Established: 2006, with an added Credit Extended to Covered Borrowers provision taking effect in 2017. Other banks pre-approval options. In most cases, an online application will take about 10 minutes to complete and will generate a decision in as little as 30 seconds. Delta Reserve and Amex Platinum card members have the opportunity to earn unlimited Sky Club access, but it comes at a hefty price. This is our review of the American Express Platinum credit card, also known as The Platinum Card from American Express. Earn 180,000 bonus points after spending $6,000 in purchases on the card within your first 6 months of card membership. S. The $250-annual-fee card earns 4 points per dollar spent at restaurants, 4 points per dollar spent at U. The Platinum Card® from American Express: Earn 80,000 points after you spend $8,000 on eligible purchases within the first six months of account opening. Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. The American Express Platinum card is famous among foodies because of its extensive dining privileges. To send money: Once. A jet-setting welcome offer. This even includes cards like The Platinum. It’s free and will help you optimize your rewards and savings! A Clear membership statement credit of up to $189. The Annual Membership Renewal fee of Rs. If you can maximize all of its annual statement credits, you're looking at nearly $1,600 in value. supermarkets for the first $25,000 spent per year. 7 cents each, so you’d be looking at $1,360 in value. Earn 80,000 Amex Membership Rewards points after you spend $8,000 on purchases on the card in your first six months of card membership. S. The best American Express credit cards in 2023. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale2. Platinum service. Your American Express Platinum Card fast-tracks you to the higher tiers of leading hotel loyalty programs around the world, without having to fulfil the usual qualifying criteria. Whether you're obsessed with Saks Fifth Avenue or have rarely shopped there, you should take advantage of the $100 annual Saks credit offered by your Amex Platinum card. after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. How To Increase Your Odds for Being Preapproved. of 9% GST with effect from 1 Jan 2024). 95 miles per S$1*) Terms and Conditions. Welcome Bonus Of 80,000 Amex Points. Cardholders get $15 per month in Uber Cash. ”. Applicants must be at least 18 years old and live in the United States. 5% reward rate is one of the highest rewarding Credit Card in India and its a must have in your wallet if you love travel benefits. When you apply, are approved and spend $10,000 on eligible purchases on your American Express® Qantas Corporate Gold Card within 2 months of your approval date 1. And early next year, the annual fee of The Business Platinum Card® from American. Plus, earn 10 points per dollar on "Shop Small" purchases in the U. Best for Limited or Poor Credit: Revenued Business Card. Step 2. You can earn 90,000 points on the American Express® Gold Card after spending $4,000 within the first six months. 0% for 15 months. The following purchases. streaming subscriptions, 3% back. 5. Once you're approved for The Business Platinum Card® from American Express, you'll be able to earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the. Credit Needed. S$400 lifestyle credits at participating retail partners. How much your American Express Membership points are worth will ultimately depend on how you use them. Discover an array of outstanding benefits. See rates & fees) 70,000 Membership Rewards® points after spending $10,000 on. Earn 180,000 bonus points after spending $6,000 in purchases on the card within your first 6 months of card membership. Card Details: Platinum, starting 3rd year, AF posted April 28, 2023 spend was 14k. Delta Platinum card members and additional card users can receive access to Sky Club lounges when traveling on a same-day Delta or partner airline flight. 90 lacs in a cardmembership year and get 15,000 Membership Reward points redeemable for Flipkart 5 voucher or Pay with Points option in Amex Travel Online 6 worth Rs. of 8% GST) / S$1,744 (incl. Plus. 1. 135K. When you spend $75,000 on your eligible card in a calendar year. m. Each year you renew your Delta SkyMiles® Platinum American Express Card, you receive a domestic main cabin round-trip. This means applicants need good credit or better to be approved for the American Express Platinum card in most cases. 3. In case your Card is lost, stolen or damaged, a Replacement Card will be rushed to you, usually within 2 business days, free of charge, anywhere in the world. 5,000 plus applicable taxes. American Express has increased the referral bonus on the Platinum card to 45,000 points per referral and applicants get the higher 125,000 + 10x point offer. But the new card will come with a different expiration date and security code. when charged to your Platinum. S$204 entertainment credits for news or music streaming services. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. With 5x points per $1 spent on flights purchased directly with the airline or with Amex Travel (up to $500,000 per year), having an authorized user spending on the card will help you earn more bonus points faster. Get more of the benefits that matter to you. The Platinum Card® from American Express Welcome bonus : Earn 80,000 Membership Rewards points after you spend $8,000 on purchases within the first six months of card membership. In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Stay focused on getting where you need to go. Prepaid Cards, American Express Corporate Cards, American Express Small Business Cards, American Express-brandedReceive up to 135,000 Membership Rewards ® points with annual fee payment and min. But there are reports of people getting approved with incomes in the $50,000 range or below. Though it’s no guarantee, getting Amex preapproval means your. The American Express® Green Card offers a terrific rewards structure for anyone who wants to earn elevated points on dining, transit and travel. S. 2. Earn 5 Membership Rewards ® points for every full S$1. 1 cents per point, making 80,000 Amex worth $880 cash. Owns 6. The American Express ® CapitaCard. $240 digital entertainment credit: Cardholders get up to $240 in. Centurion. Venture X is not perfect, though, lacking hotel status partners present on competing cards. S. Annual fee of $695* See more details about military protections for you and your spouse ; Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Changes to the Delta SkyMiles® Reserve American Express Card. when you apply online, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within. Per the Amex Centurion Lounge FAQ page: "Starting in 2022, you will be able to check your Platinum Card's spend tracker in the Membership. But that fee is waived for active military. The Platinum Card® from American Express is a versatile travel rewards and benefits card powerhouse that allows you to add an authorized user to your account for $195. That sum is the primary reason why I canceled The Platinum Card® from American Express (Terms apply, see rates & fees ). Earn 5 points per dollar for flights booked directly with airlines or with. While the Amex Platinum comes packed with benefits, the American Express® Gold Card (Terms apply, see rates & fees) provides a balance of solid perks and solid. Although this rule covers all Amex cards, you can earn a welcome offer on personal and business cards of the same type. Pay any other Venmo or PayPal user with the flexibility of American Express. The Venture X, for an annual fee of $395, provides a 10,000 anniversary miles bonus and a $300 annual. You can expect to receive your statement approximately every 30 days. Card type: Airline. Cardholders must maintain an account in good standing for at least one year to be eligible for an upgrade. of Trxns. Earn up to 100,000 Membership Rewards® points when you upgrade to the Platinum Credit Card® from the American Express Preferred Rewards Gold Credit Card®. Minimum Requirements for an Amex Card Approval; Additional Requirements Based on Data Points; Getting Started. The annual fee for the Amex Platinum card is $695 per year. The Platinum Card® from American Express 100,000 bonus points after you spend $6,000 on purchases within the first six months of card membership. November 21, 2022. If you don’t get the instant credit card approval you were looking for, the easiest way to check your Amex application status is by using Amex’s online application. Here is the story of my recent Amex Business Platinum approval. New cardholders can earn a lucrative welcome bonus of 60,000 Membership Rewards® points after spending $6,000 on eligible purchases with your new card within the first 6 months of card membership. Seamlessly split any pending or posted Amex charge with other Venmo or PayPal. Once you’ve enrolled, you can also use your. 3 points per dollar on travel and transit. 24, 2023. Has accumulated a spend of S$15,000 within the first three (3) months upon Card approval (“Spend Threshold”). When you pay friends with Amex, there’s no standard Venmo or PayPal credit card fee and you can even do it right from the Amex App. You spend with Amex, and now you can send with Amex. The American Express ® Gold Card. The Platinum Card® from. But one of the most tangible perks of select American Express cards is airport lounge access. This financial services company offers a vast number of prepaid, charge and credit cards for applicants with good to excellent credit scores -- which FICO considers to be 670 or higher. American Express Platinum Card only. Get more of the benefits that matter to you. Receive 127,500 Membership Rewards ® points with annual fee payment and min. Because there is already a program in place for using AMEX credit cards to buy a car. Spend $250 or more, get 5,000 Membership Rewards points. Get stay vouchers worth INR 45,000 from Taj,. The Amex Gold Card earns 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U. American Express maintains a strict rule of one bonus per card for life regardless of the family of cards (cobranded hotel and airline, business, cash-back and rewards cards ). Step one, of course, will be to activate your card online or by calling the number posted on the sticker attached to the front of your card. According to TPG's monthly valuations, Amex Membership Rewards points are worth 2 cents each, making this 80,000-point bonus worth $1,600. When you refer somebody you also earn an additional 4x points per $1 spent on shop small and restaurant purchases for the next six months on up to $25,000 in spend. Amex looks at the information they have available on their customers in order to make preapproval. Purchase Rate: 31. The Amex Platinum's 5x earning rate on flights is incredibly lucrative. Limited time offer ends 9. Title was basically, Can I receive AMEX Platinum benefits if I pay for a service using a diferrent Credit Card. Best for Hotel Points: The Hilton Honors American Express Business Card. The American Express Airpoints Platinum Card. 5 cent per point to. 80 (incl. Make a transaction in month 15 to earn another 25,000 points. Last year in April was also offered retention offer ( 400 statement credit for spending 4K 3 months) Background: AmEx customer since 2021. It’s fair to say $695 is a lot of money.