Don’t forget to use Amex Platinum benefits before the end of 2025

If you already have one of Top-tier cards from American Express (or are considering applying) act now to maximize the credits on these cards.

He American Express Platinum® Card underwent a important update earlier this year, adding credits for up to $75 in purchases at U.S. Lululemon retail stores (excluding point-of-sale) and online per quarter and up to $100 at U.S. Resy-affiliated restaurants per quarter (registration required).

(The Business Platinum Card® from American Express it was also refreshed; It didn’t add any new quarterly credits, but it’s still a good reminder to make sure you take advantage of existing credits.)

And both offer high welcome bonuses to new cardholders, who can apply and immediately start using their card online, unlocking value from the start.

Here’s why applying now can help you get additional value before the end of the year.

New cardholder? Get an instant card number

Good news: if you want to collect the Amex PlatinumYou can apply online and get a instant card number to use for online purchases and add to your digital wallet like Apple Pay (while you wait up to seven business days for your physical card to arrive in the mail).

When you apply, you’ll be able to learn about your offer and see if you’re eligible to receive up to 175,000 bonus points after you spend $8,000 on purchases during the first six months of card membership. Welcome offers vary and you may not be eligible to receive an offer.

Then, you’ll be able to immediately sign up for statement credits that you can max out before the end of the year.

Likewise, new Amex Business Platinum Card members can win the highest bonus ever publicly available on this card: 200,000 bonus points after you spend $20,000 on eligible purchases within the first three months of card membership.

Like consumer Amex Platinum cardholders, Business Platinum cardholders can receive an instant card number upon approval and begin maximizing their monthly and quarterly credits immediately.

Tips for Platinum Card holders

With quarterly Lululemon statement credits up to $75, quarterly Resy statement credits up to $100, and up to $120 annually ($9.99 monthly) for an Uber One membership (subject to automatic renewal), Platinum Card Members can withdraw up to $185 in value from their card between now and the end of the year.

That almost completely offsets the $200 increase in the card’s annual fee, now $895 (see rates and fees), since its update.

It is essential that both new and existing cardholders activate your Lululemon, Resy, and Uber One benefits into your Amex account before making any purchases so these benefits are properly activated. New cardholders should also sign up for all other relevant benefits, especially the other three monthly statement credits mentioned below.

Then, use your card to spend at least:

• Up to $75 on Lululemon US at retail stores (excluding outlets) and online: My advice is to stack with the Rakuten Shopping Portal and search for offers in the second hand and “we did too much” sales sections. Both online and in-store purchases are eligible for the credit.
• Up to $100 at a US Resy restaurant: Find a participating restaurant in your area; You do not need a reservation to be eligible to receive the credit. Before dining, new cardholders should check that they can tap to pay at a terminal or ask staff to manually enter their card number. There is a peculiarity that sometimes prevents the credit from being received on the account statement, which I explain later.

Finally, sign up for an Uber One membership and get a $9.99 monthly membership (or $96 annually) covered with your Platinum card.

Additional value for new Platinum Card members

If you request your new Platinum Card Now, you can take advantage of an additional $52.95 in monthly credits this year. After signing up for benefits, use your card to receive:

• Up to $25 for digital entertainment services: Eligible services Includes Disney+ Bundle, Hulu, and YouTube TV, to name a few.
• Up to $15 in Uber Cash: This credit is valid on Uber rides and Uber Eats orders in the US. Uber Cash will only be deposited into an Uber account when you add Amex Platinum as a payment method and redeem with any Amex card.
• Up to $12.95 for a Walmart+ membership: This credit is applied when purchasing a membership (subject to automatic renewal; Plus Ups excluded).

Set your Instant Platinum Card number as the payment method for each of the services. Then, when you receive your physical card, check that the four-digit CVV on the front and the expiration date on the back match those on the instant card. If not, update those numbers.

Tips for Business Platinum Cardholders

The only statement credits that Amex has added or enhanced with the Amex Business Platinum Updates are annual and semiannual (every six months) statement credits. The annual fee also increased to $895 (see rates and fees).

That said, this is still a good reminder for new and existing cardholders to get $150 in value from the following statement credits before the end of the year (enrollment required).

• Up to $10 monthly statement credit for wireless phone services in the US.: Use this statement credit to pay your cell phone bill. You will also get cell phone protection paying the bill with this card.
• Up to $50 quarterly statement credit on eligible purchases with Hilton: First, make sure enroll in Hilton for Business (free). Then, use your card to pay room rates and incidentals at a Hilton property. Data points show You can also receive this statement credit when you dine at a restaurant or purchase an item at a gift shop located inside a Hilton property, even if you’re not staying at the hotel.
• Up to $90 Indeed Quarterly Statement Credit: Use this statement credit for online purchases with Indeed.

Again, make sure activate these benefits first so that your purchases generate these benefits.

A note on semi-annual hotel statement credit

Both the Platinum Card and Business Platinum provide up to $600 credit on the hotel’s annual statement per calendar year.

You will receive up to $300 semiannually in prepaid American Express Fine Hotels + Resorts either The hotel collection reservations made through American Express® Travel when you pay with your eligible Platinum Card. (Hotel Collection stays require a two-night minimum.)

You don’t want to miss out on this benefit of up to $300 if you forget to use it before the end of the year. If you don’t have an immediate trip planned, you can use your current statement credit (for the second half of 2025) to book a stay in 2026. Simply book a prepaid stay before the end of the year. It is not necessary to complete the stay in 2025.

TPG Credit Card Writer Augusta Stone You plan to use your credit for a last-minute weekend trip to Chicago. TPG Credit Card Editor Olivia Mittak She used her statement credit to cover most of a two-night stay in New York City before traveling to Germany this Thanksgiving.

An important note about contactless payments

The terms and conditions for most Amex statement credits say something like this:

“The transaction may not be eligible if the merchant uses a third party to process or send the transaction to American Express (for example, using mobile or wireless card readers).”

Frustratingly, you are not guaranteed to receive your statement credit because it may not encode or process the way Amex wants.

I have faced this problem twice when using the bi-annual up to $50 service. resy credits in US Resy restaurants in my American Express® Gold Card; Neither is published within the standard period of eight to 10 weeks after the transaction is made.

But after waiting 10 weeks, I was able to receive the statement credits by asking the agent through the online chat feature on my american account to manually apply statement credits. So my advice would be to keep an eye on your account; If the statement credit does not appear within 10 weeks, ask Amex to apply it manually.

In a nutshell

By being strategic about time, those with the Amex Platinum or the Business Platinum They can take advantage of their statement credits before the end of the year.

I encourage new cardholders to apply now, write down your instant card number, and immediately add it to your digital wallet.

Remember register Earn these benefits first to ensure eligible purchases trigger statement credits. And keep an eye on your account to make sure you receive your credits within a 10-week period; otherwise, use the chat function to ask Amex to apply them manually.

For more information, read our full reviews of the American Express Platinum and the American Express Business Platinum.

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Apply now: The American Express Platinum Card
Apply now: The American Express Business Platinum Card

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For Amex Platinum rates and fees, click here.
For Amex Business Platinum rates and fees, click here.