AskSebby: Comparing Every Version of the American Express Platinum Card

	A	B	C	D	E	F	G	H	I
1	AskSebby.com	Regular	Business	Ameriprise Financial	Mercedes Benz	Charles Schwab	Morgan Stanley	Goldman Sachs

2	YouTube: https://youtu.be/ucBo3Bha1p0
3	Blog Post: http://bit.ly/2vENgEk
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5	Relationship Requirement			Not Enforced		Yes	Yes	Yes
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7	MR signup bonus (non-targeted)	60,000	75,000	N/A	60,000	60,000	???	???
8	Minimum spend (non-targeted)	$5,000	$10,000	N/A	$5,000	$5,000	???	???
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10	Expected Value: Year 1
11	Annual fee (i.e., 2017)	$550	$450	$0	$550	$550	$550	$550
12	Airline incidental credit (i.e., 2017)	$200	$200	$200	$200	$200	$200	$200
13	Airline incidental credit (i.e., 2018)	$200	$200	$200	$200	$200	$200	$200
14	Uber credit ($15/month, $35 in Dec)	$200	$0	$200	$200	$200	$200	$200
15	Effective annual fee	-$50	$50	-$600	-$50	-$50	-$50	-$50
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17	Expected Value: Year X
18	Annual fee (i.e., 2018)	$550	$450	$550	$550	$550	$550	$550
19	Airline incidental credit (i.e., 2019)	$200	$200	$200	$200	$200	$200	$200
20	Uber credit ($15/month, $35 in Dec)	$200	$0	$200	$200	$200	$200	$200
21	Effective annual fee	$150	$250	$150	$150	$150	$150	$150
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23	Authorized Users
24	$175 for up to 3, $175 for subsequent	Yes			Yes	Yes		Yes
25	AU's free in Year 1			Yes
26	First free, $175 for next 3, $175 for subsequent						Yes
27	$200 per AU		Yes
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29	Membership Rewards Earning Rate
30	Flights booked with directly or with Amex Travel	5x	5x	5x	5x	5x	5x	5x
31	Hotels booked on Amex Travel	5x	5x	5x	5x	5x	5x	5x
32	Mercedes-Benz purchases	1x	1x	1x	5x	1x	1x	1x
33	Large Purchase (of $5,000 or more)	1x	1.5x	1x	1x	1x	1x	1x
34	Other purchases	1x	1x	1x	1x	1x	1x	1x
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36	Super Powers
37	35% rebate for selected airline (any fare)		Yes
38	35% rebate for first/business class (any airline)		Yes
39	5k MR points for every $20,000 in spend			Yes					*up to 30k MR additional per year
40	$1,000 MB certificate for purchase/lease				Yes				*After $5,000 in spend per year
41	$100 MB certificate for accessories				Yes				*At each renewal
42	Excess miles waived for MB lease				Yes				*2,000 excess miles waived at lease-end
43	Transfer MR to Schwab at 1:1.25 rate					Yes			*100k MR = $1,250 in Schwab
44	Free first authorized user						Yes
45	Transfer MR to Morgan Stanley at 1:1 rate						Yes
46	Spend $100,000 and get $500						Yes
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48	Other
49	Priority Pass (free for 2 companions)
50	Centurion Lounge (free for 2 companions)
51	Delta Sky Clubs ($29 per companion)								*must be on Delta flight
52	SPG/Marriott/Ritz Gold Status
53	Hilton Gold Status
54	Boingo membership
55	$100 Global Entry / TSA Precheck
56	Amex Platinum Concierge
57	Amex Fine Hotels and Resorts
58	Amex Offers
59	No foreign transaction fees
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