各版本運通白金卡 (AmEx Platinum) 福利對比【2019.2 更新】

【2019.2 更新】Ameriprise版現在不再首年免年費了,變成和普通白金卡幾乎一樣了。

運通白金卡 (AmEx Platinum) 有若干版本,其開卡獎勵互相獨立,可以都開一遍把開卡獎勵都拿到。各版本的福利大同小異,本文稍微總結一下各個版本的異同。列一下本文的主角們和其信用卡介紹鏈接:

對比表格

AmEx Platinum 普通版是各版本的基礎,它有的福利其他版本也都有,因此共同點這裡就不一一列舉了。不同之處直接看錶格吧!(因賓士版已絕版 表格中沒有列出)

 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 普通版的獨特優勢

有時候會有 bug 100k 的開卡獎勵,或者隱身能刷出 75k 的開卡獎勵,或者你也可以刷 pre-qualified 100k offer,比其他版本的獎勵稍高。

AmEx Platinum for Ameriprise 的獨特優勢

這是唯一一個首年免年費的版本,因此如果你只是想體驗一年白金卡的各種福利、而不想付$550的年費,那麼這個版本是最適合的。【2019.2 更新】已經不再首年免年費,這個版本現在和普通白金卡基本一樣了,主要也就多拿一個開卡獎勵而已了。

AmEx Platinum for Schwab 的獨特優勢

這個版本可以讓你把 MR 點數以 1.25 cents/point 的比例變現,雖然這不是 MR 點數的最佳用法,但若你是現金為王的信仰者,那麼這張卡是你的必備卡。

AmEx Platinum for Morgan Stanley 的獨特優勢

此版本的第一張副卡是永久免年費的,所以如果你打算長期持有一張白金卡並且想讓你的配偶也享受這張卡的各種福利,那麼這張卡是你的首選。

AmEx Platinum for Goldman Sachs 的獨特優勢

除了卡面上印著的高盛字樣比較有逼格之外,這張卡實在是沒什麼好的。


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