各版本运通白金卡 (AmEx Platinum) 福利对比【2019.2 更新】

【2019.2 更新】Ameriprise版现在不再首年免年费了,变成和普通白金卡几乎一样了。

运通白金卡 (AmEx Platinum) 有若干版本,其开卡奖励互相独立,可以都开一遍把开卡奖励都拿到。各版本的福利大同小异,本文稍微总结一下各个版本的异同。列一下本文的主角们和其信用卡介绍链接:

对比表格

AmEx Platinum 普通版是各版本的基础,它有的福利其他版本也都有,因此共同点这里就不一一列举了。不同之处直接看表格吧!(因奔驰版已绝版 表格中没有列出)

 RegularAmeripriseSchwabMorgan StanleyGoldman Sachs
Application RequirementNone.Ameriprise relationship, but they don't enforce it.Schwab relationship. Easy to open a Schwab brokerage account.Morgan Stanley relationship. Possible to open a Morgan Stanley Access Investing account.Goldman Sachs relationship. You need to have $10M assets to open an account.
Sign-up bonus75k (100k sometimes)0 60k60k60k???
Spending requirement$5000 in 3 months ($3000 sometimes)0 $5000 in 3 months$5000 in 3 months$5000 in 3 months???
Annual fee$550$550 waived for the first year$550$550$550
Annual fee for authorized usersFirst 3 are $175, each additional one is $175.First 3 are $175, each additional one is $175. All waived for the first year.First 3 are $175, each additional one is $175.First one free, the next 3 are $175, each additional one is $175.Each one is $175.
Redeem MR to cash--1.25 c/p1.0 c/p-
Spending bonus-5,000 MR points after every $20,000 in spend (limit of 30,000 MR points) (i.e. additional 0.25x MR)-$500 after $100,000 or more in spend within a card member year (i.e. additional 0.5% cashback)40,000 MR points after $100,000 or more in spend within a card member year (i.e. additional 0.4x MR)

AmEx Platinum 普通版的独特优势

有时候会有 bug 100k 的开卡奖励,或者隐身能刷出 75k 的开卡奖励,或者你也可以刷 pre-qualified 100k offer,比其他版本的奖励稍高。

AmEx Platinum for Ameriprise 的独特优势

这是唯一一个首年免年费的版本,因此如果你只是想体验一年白金卡的各种福利、而不想付$550的年费,那么这个版本是最适合的。【2019.2 更新】已经不再首年免年费,这个版本现在和普通白金卡基本一样了,主要也就多拿一个开卡奖励而已了。

AmEx Platinum for Schwab 的独特优势

这个版本可以让你把 MR 点数以 1.25 cents/point 的比例变现,虽然这不是 MR 点数的最佳用法,但若你是现金为王的信仰者,那么这张卡是你的必备卡。

AmEx Platinum for Morgan Stanley 的独特优势

此版本的第一张副卡是永久免年费的,所以如果你打算长期持有一张白金卡并且想让你的配偶也享受这张卡的各种福利,那么这张卡是你的首选。

AmEx Platinum for Goldman Sachs 的独特优势

除了卡面上印着的高盛字样比较有逼格之外,这张卡实在是没什么好的。


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