This time of the year is the best time to get card_name or card_name as you can triple dip the annual credit while only paying the annual fee once. 

Here is how

Once the annual fee is charged to your card, you have 30 days from when the next billing cycle ends to cancel the card, and not have to pay the annual fee.

This makes the beginning of December the best time of the year to apply for a Platinum card. 

Applicants that apply now can earn a total of $600 in airline incidental fee credits, while only paying the annual fee once. 

Here is how:

• Earn $200 from now till January 2025
• Earn $200 from January 2025 till January 2026
• Mid-December (2025), you will be charged the second annual fee
• Collect $200 in January 2026
• Cancel the card mid-January (2026) to avoid paying the second annual fee!

Because you have 30 days (after you’re billed) to cancel the card, you can still collect $200 in January 2026. 

The same thing will be true with the $400 Dell credit. If you apply today for card_name you can maximize a total of $800 worth of Dell credits while only paying the annual fee once! 

Here is how:

• Earn $200 from today till the end of December 2024
• Earn $200 from January till June 2025 
• Collect $200 from June till the end of December 2025
• Final $200 in January 2026, before you cancel the card

The same is for the $199 Clear credit. The credit is per calendar year. If you apply today for card_name you can maximize a total of $597 worth of Clear credits, triple dipped.

Here is how:

• $199 from now till the end of December 2024
• $199 Clear credit in 2025
• Get $199 again in 2026 (sign up a spouse or friend)

You can also play it the other way around:

• Use one $199 Clear credit now till the end of December 2024 to sign up a spouse or friend
• Get another $199 Clear credit in 2025 for you
• Get $199 again in 2026 for your second year of Clear

The same will be with the $50 Saks Fifth credit on card_name: 

• Earn $50 from today till the end of December 2024
• Earn $50 from January till June 2025 
• Collect $50 from June till the end of December 2025
• Final $50 in January 2026, before you cancel the card.

Great welcome bonus

The welcome bonus on card_name is currently very good: Earn 250,000 points after spending $20,000 within the first 3 months (terms apply)!

The card_name has a high welcome bonus: Earn 175,000 points after spending $8,000 within the first 6 months (terms apply)!

Summary

All this should make today the perfect time to get an Amex Platinum card. You triple the annual credits! Plus, get a good welcome bonus! 

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Card Details

Welcome Bonus

Amex Platinum Business Select card

Earn 150,000 points after spending $20,000 within the first 3 months.

Amex Platinum Select card

Earn 80,000 points after spending $8,000 within the first 6 months (terms apply).

Amex Platinum Schwab Select card

Earn 80,000 points after spending $8,000 within the first 6 months (terms apply).

Platinum Morgan Stanley Select card

Earn 80,000 points after spending $8,000 within the first 6 months (terms apply).

Annual Fee

Amex Platinum Business Select card

$695

Amex Platinum Select card

$695

Amex Platinum Schwab Select card

$695

Platinum Morgan Stanley Select card

$695

Rewards

Amex Platinum Business Select card

– 5 points on Flights and Prepaid Hotels booked through AmexTravel.com
– 1.5 points on credit card swipes totaling $5,000 or more, on up to $2 million per card account per calendar year, and for swipes at US construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers*
– 1 point everywhere else

-* Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

Amex Platinum Select card

– 5 points on flights booked directly with airlines and Amex Travel on the first $500,000 you spend within a calendar year
– 5 points on prepaid hotels booked directly with Amex Travel
– 1 point on other eligible purchases

Amex Platinum Schwab Select card

– 5 points on flights and hotels booked directly with airlines or amextravel.com on up to $500,000 annually
– 1 point on all purchases

Platinum Morgan Stanley Select card

– 5 points on flights booked directly with airlines and Amex Travel on the first $500,000 you spend within a calendar year
– 5 points on prepaid hotels booked directly with Amex Travel
– 1 point everywhere else

Benefits

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