What’s Happening With the Amex Platinum in 2025?
If you’ve had your eye on the Amex Platinum, now may be the perfect time to act. American Express has confirmed a major refresh for the Amex Platinum card in 2025 — and that typically signals an increased annual fee.
While the exact changes are still under wraps, Amex’s leadership has hinted at new lifestyle perks and enhanced card benefits. And although the updates will likely benefit all cardholders, that doesn’t mean you should wait to apply.
Applying for the Amex Platinum card now means you can lock in the current $695 annual fee before any increases take effect.
Top 4 Reasons to Apply for the Amex Platinum Card Now
| Reason | Why It Matters |
|---|---|
| 1. Lock In the Current Annual Fee | Avoid paying the upcoming higher fee in 2025 by applying now. |
| 2. Access New Perks Early | Enjoy upcoming benefits before renewal time — without paying the higher annual fee yet. |
| 3. Double-Dip on Credits | Take advantage of calendar-based credits in both 2025 and early 2026. |
| 4. Secure the Welcome Offer | Claim the current welcome bonus before it potentially becomes harder to qualify. |
1. Lock In the Lower Annual Fee
The Amex Platinum currently has an annual fee of $695 (rates & fees). If you apply before the 2025 refresh, you’ll secure that rate for a full year — even if the fee increases during that time.
That means you won’t pay the new higher annual fee until your card renews in 2026, buying you time to enjoy all the upcoming benefits at the current cost.
2. Try New Perks Without Paying More
When American Express rolls out card refreshes, it usually grants new benefits to all cardholders — including those who already have the card.
If you get the Amex Platinum card now, you’ll likely enjoy the updated benefits at no additional cost until your renewal date. This gives you time to evaluate whether the Amex Platinum is still worth it at the higher rate — without financial risk.
3. Double-Dip on Valuable Credits
Several Amex Platinum benefits are calendar-year based, meaning you can use them once before the end of 2025 and again in early 2026 — before your next annual fee is due.
Key Examples of Double-Dip Opportunities:
| Benefit | Value per Year | Total Value Before Renewal |
|---|---|---|
| Airline Fee Credit | Up to $200 | $200 (2025) + $200 (2026) = $400 |
| Hotel Booking Credit | Up to $200 | $200 (2025) + $200 (2026) = $400 |
By applying now, you could receive up to $800 in value from just these two benefits — all while paying the current Amex Platinum annual fee.
4. Lock In the Current Welcome Bonus
The Amex Platinum often features a generous welcome offer, but these offers change frequently — and not always in your favor.
American Express may:
- Lower the bonus
- Tighten eligibility requirements
- Add restrictions after the 2025 refresh
Applying for the Amex Platinum now helps you secure the current welcome bonus before any of those changes go into effect.
Why Act Now With the Amex Platinum Card?
The bottom line is simple: applying for the Amex Platinum before the upcoming 2025 changes gives you more benefits, better timing, and extra value — without paying more upfront.
Whether you’re interested in the card’s premium travel perks, luxury benefits, or statement credits, the current version of the Amex Platinum still delivers exceptional value for smart users.
The Amex Platinum is about to undergo a significant transformation. If history is any guide, that likely means more perks, but also a higher cost. By applying now, you can lock in the current $695 fee, take advantage of existing and new perks, and even double-dip on valuable credits.
Don’t wait until it’s too late — apply for the Amex Platinum today and maximize your benefits before the 2025 refresh kicks in.
Also Read: Review: The Platinum Card from American Express 2025 Unlock Up to 175,000 Points + VIP Travel Perks