How do I get an Amex Platinum RSVP code?

An Amex Blue Cash Everyday apply RSVP code will be included if you get a pre-qualified offer in the mail. You may receive a pre-qualified offer for the Amex Blue Cash Everyday card if Amex thinks you are likely to get approved if you apply. The Amex Blue Cash Everyday RSVP code is 14 characters: one letter and 13 numbers. You can use it and your zip code to flag your application as pre-qualified when you apply ... read full answeronline.

People who get pre-qualified for the Amex Blue Cash Everyday card and receive an RSVP code are often affluent big-spenders. But you don’t have to be a current Amex cardholder to receive a pre-qualified offer. Plus, you don’t need to be pre-qualified for a card to apply.

Here’s how to apply for the Amex Blue Cash Everyday card with an RSVP code:

• If you got a RSVP code by mail, you can respond to the mail invitation online and apply for the card. Once you plug in the 14-digit code and your zip code, your application will show up to Amex as pre-qualified.
• If you didn’t receive anything by mail, you can check for pre-qualified offers on the American Express website. You need to enter your name, address, and the last four digits of your Social Security Number. You’ll also need to give some information about your income. Then, click on “View my Card Offers”, and in minutes you will know if you are pre-qualified for any Amex card. Because this uses a soft inquiry of your credit, it will not impact your credit score. You won’t get an RSVP code with the online method, but you won’t need one either.
• Pre-qualification does not guarantee you’ll be approved, but your chances are high. The Amex Blue Cash Everyday card requires a good credit score, at a minimum. So, before you apply, see if your credit score falls within that range and review your credit report for any errors, just as a precaution.

If you’re not pre-qualified for the Amex Blue Cash Everyday card, you can still apply. When you apply for the Amex Blue Cash Everyday card, a soft inquiry will be made on your credit report and you will be told with certainty if you are approved. However, if you are approved and want to get the card, American Express will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.*

*This limited-time new application experience is currently available for individuals applying for a U.S. personal card via WalletHub, on the American Express site, or by calling American Express and is not available if you apply for a card after you log into an existing Card Member Account.

No, the American Express Platinum card does not offer a 100K point bonus anymore. The current offer is 80,000 points for spending $6,000 in the first 6 months. Once you’ve met the spending requirement for the American Express Platinum card’s bonus, the points will post to your account within 8-12 weeks.

In addition to the welcome offer, the American Express Platinum card offers many other benefits and extensive ongoing rewards.... read full answer

American Express Platinum card’s Rewards & Perks

All in all, the American Express Platinum card is a good card for high-spending frequent travelers with at least good credit. You can learn more about this card by reading our editors’ full review.

You might get your American Express Platinum card annual fee waived if you are calling the Amex retention line at (800) 452-3945, but it is not guaranteed that it will work. Alternatively, you should consider applying for the Amex financial relief program.

Here’s how to get the American Express Platinum card annual fee waived:

• Call the retention line: ... read full answerYou can ask Amex to waive the annual fee by calling (800) 452-3945. However, it’s important to understand that this approach may not be successful. American Express typically does not waive annual fees entirely, but it may offer a side benefit to offset the Platinum card’s $695 annual fee. Retention offers traditionally include statement credits, bonus points or spending bonuses. But make sure your account is in good standing before calling.
• Apply for the Amex financial relief program: If you’re having difficulty paying your annual fee due to unforeseen financial difficulty, apply for the financial relief program online or call Amex at (866) 703-4169. You could potentially have your annual fee waived. Or you might receive other assistance such as lower monthly payments or lower interest rates. If you decide to enroll in a financial relief program, though, your spending ability will likely be greatly reduced for the duration. Your credit score may be impacted by the reduction in credit limit. And if you don’t comply with the terms of the program, that will appear as a negative on your credit report.
• Other options: You might be able to get your American Express Platinum card annual fee waived if you’re an active member in the military. Downgrading to an American Express card with a lower annual fee is also an option.

However, if you don’t end up getting the $695 annual fee waived, you should consider keeping the card for its rewards. With the American Express Platinum card, you’ll earn 5 points per $1 on flights booked with airlines or with American Express Travel (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked through Amex, and 1 point per $1 on all other purchases.

If you spend a lot on these categories, the rewards you’ll get will more than make up for the cost. But if you can’t take advantage of its travel-focused perks, you’ll end up overpaying.