Is the Amex Platinum Still Worth it in 2023? – The Credit Shifu

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25 comments

Ben Hedges February 28, 2023 - 4:38 pm

Note about Centurion lounges: I did not visit any centurion lounges in 2022, thus for me it didn't factor into the equation. The card still delivered positive value based on credits and points earned. I realize some people will be factoring this in (losing Centurion guest access) for 2023, but since there is no other card (except centurion, but most people aren't eligible) that can get guests into a centurion lounge anyway, we can't really offer any alternative. I guess you can deduct any guest fees you pay from your total and see if you still come out on top.

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Bradley Bishop February 28, 2023 - 9:52 pm

Re: Walmart credit…

It's great for gas, yes.

It's also great for when you need something from Walmart but you don't actually want to go into a Walmart (this is me).

The other day I purchased hangers from them and the next day the showed up at my door. I didn't have to go to Walmart, walk through a huge store, and then wait in a 20m line to buy hangers.

The oddity about the Platinum card, at least for me, is: I rarely use it. It's basically a "travel club card" but for actual spending it never comes out because there's always a better card for the purchase. For all of the benefits, it's pretty good (lounge access, rental car status, etc.)

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Jonathan Thomas February 28, 2023 - 10:02 pm

Scamdemic LOL

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Jonathan Factor February 28, 2023 - 10:30 pm

Right now I use the united airlines explorer card the best buy card the city rewards plus card and the m life las vegas card from the bank of Omaha I am not sure what amrican express credit card to get yet.

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Matt Brown February 28, 2023 - 11:11 pm

I travel 10 times a year for business and I still find it pretty difficult to justify this card. There seems to be a lot of fine print. Especially when I already have the airline cards.

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jefejjmichael February 28, 2023 - 11:39 pm

Your SiriusXM is $20/mo? For just one car? SiriusXM is well known for steep discounts if you threaten to cancel. Can probs get that down to $10/mo and then get another $10/mo for that credit to use elsewhere. Video idea too?

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Spencer Johnson March 1, 2023 - 12:59 am

Thank you for pointing out that not ALL of the credits on this card are super valuable. However, since it comes with so many, it's definitely still valuable for the right consumer. Sometimes convincingly so!

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smart think March 1, 2023 - 1:10 am

They need to add a 5x points for dining category ….otherwise its just not a good card

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NATOenthusiast March 1, 2023 - 1:11 am

unsubscribed due to the asinine and irrelevant "scamdemic" comment. there's strong evidence that attitudes like this that lead to anti-vax decisions, lead to hundreds of thousands of more deaths in our country alone. its a shame cause you release quality and useful videos.

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smart think March 1, 2023 - 1:13 am

I did the hotel collection booking and got a $100 credit during my stay, BUT when i checked the actual cost thru the hotels website amex overcharges for the same booking/room so i ended up paying more than if i just booked direct w the hotel. I did get my 200 amex credit for hotels so it was worth it, but the FHAR and HC from amex generally not worth it

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Joseph Thomas March 1, 2023 - 1:51 am

The equinox credit needs to be reevaluated and it would be perfect

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Play with Prin March 1, 2023 - 2:11 am

I cancelled this card but got a business platinum instead.

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💰 Make $750 Per Day March 1, 2023 - 2:17 am

"A successful man is one who can lay a firm foundation with the bricks others have thrown at him." —David Brinkley

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💰 Make $750 Per Day March 1, 2023 - 3:31 am

"The number one reason people fail in life is because they listen to their friends, family, and neighbors." —Napoleon Hill

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Swaraj Pandey March 1, 2023 - 4:17 am

What do you do for work mate?

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damnjustassignmeone March 1, 2023 - 4:18 am

After getting charged $50 to get my wife in a lounge this weekend, I’m pretty sure I’ll cancel. It’s a step too far.

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Swaraj Pandey March 1, 2023 - 4:19 am

You forgot to mention “Phone Insurance” if you add the card to your payment method.

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Steven Woo March 1, 2023 - 4:30 am

Great video regarding the Amex Platinum and I definitely enjoy using the card for my traveling. The credits I use total $695 exactly which makes the card essentially free for me (and that is before the other credits and benefits I will be using). Want to mention one small detail. I believe the difference you discussed between the $695 annual fee and the $672.65 of credits you mentioned is -$22.35 (not -$32).

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Ben March 1, 2023 - 4:35 am

SCAMDEMIC? REALLY NOW BEN, REALLY? ARE YOU BECOMING A REDNECK?

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Tony March 1, 2023 - 6:09 am

I'm so sad to see a credit card expert cashing in all their points for a 2cpp redemption 😭

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Army Truth March 1, 2023 - 9:12 am

I used it to scrape ice off the windshield, long story short I put scratches all over the window

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Americano Mondays March 1, 2023 - 3:04 pm

Great video! I got this card in Oct 2022. I was targeted with the 150K offer and jumped on it. We've since done one trip via Fine Hotels/Resorts in NYC. I'm using the full entertainment credit – and we signed up for Walmart+ for the gas credit (currently getting 10% back on all online purchases when we pay with certain Chase cards – via their offers). I've already saved 120.00 with AMEX offers on this card alone. The only downside is that adding my wife as an authorized user will make the annual renewal even more expensive. It was worth it though since both she and I travel for our work – and I wanted her to have lounge access/travel protections. Thanks, man, Jeff.

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Matthmaroo March 1, 2023 - 4:42 pm

Please don’t call it a scamdemic , some of us lost loved ones

Always best to leave politics out of business

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eric warren March 1, 2023 - 6:36 pm

Scamdemic? Care to elaborate?

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BigJames83 March 1, 2023 - 10:20 pm

I don’t love the platinum anymore since they gutted their lounge access but we will see. I attempted to cancel last year because I wasn’t traveling and they offered me a 50k retention offer at the 595 rate so I took it. Guess we will see what happens this year. Would have to be 60k to keep me.

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