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【2025.9.16 更新】个人白金卡福利细节漏出
Reddit 上有人分享了一张图，上面列出来了个人白金卡9.18的新福利（的一部分？）：
可见至少非常确定的是FHR福利是变成$300每半年（共$600每年）了，$400 Resy credit 也加上了。Lululemon 没提，航空报销还有没有没提，大家都猜测这张截图应该是不全的。
DoC 说trusted source告诉他rumor中的所有credit和所有原有的旧credit全都在。对于这一点，我个人表示有点怀疑，这也 too good to be true 了！怎么才涨 $200 的年费，就能FHR增加$400、新增Lululemon $300、Resy $400这么多coupon、居然还不砍旧 coupon？即使是 coupon book 这也有点太给力了，真这么给力那么个人白金卡居然又要变成可以长期持有的一张高端卡了。
Anyway，9.18 马上就要来了，很快就清楚了。下面是9.18之前大家应该至少考虑一下的建议：
年费确实将变成 $895。大家可以趁着现在年费还是 $695，赶紧申请，然后赌新福利9.18之后立刻跟进，这样低年费享受高福利至少一小段时间。前提是你刷得到个人白金卡 175k 的高开卡奖励，如果是低开卡奖励那么大概率不值得。
FHR credit 确实将从一年 $200 变成半年 $300（一年共 $600）。不管高年费高FHR credit你喜欢不喜欢，如果你现在正在持有个人白金卡，强烈建议赶紧把今年的 $200 FHR credit 给撸掉，这样9.18福利一刷新今年估计可以$200和新的半年$300都享受到。
【2025.9.15 更新】商业白金卡福利细节漏出
DoC 分享了商业白金卡泄漏出来的福利细则，新卡将于9.18起变成这些福利（这个日期和之前的小道消息一致）：
- $895 annual fee
- 200,000 Membership Rewards after $20,000 in spend within the first 3 months
- Choice between regular and mirror finish card
- $600 hotel credit ($300 semi annual credit for Fine Hotels & Resorts/The Hotel Collection)
- Additional credits when you spend $250,000+ on qualifying purchases in a calendar year:
- $2,400 American Express One AP credit
- $1,200 Amex Travel Online flight statement credit
- Up to $209 CLEAR Plus credit
- Leaders Club Sterling status for Leading Hotels of the World
- Dell credit of up to $1,150
- $150 in statement credits on U.S. Purchases
- An additional $1,000 statement credit after you spend $5,000 or more on those purchases per calendar year
- $250 Adobe credit when you spend $600+ or more on Adobe purchases
- Card earns at the following rates:
- 5x on fine hotels & resorts and the hotel collection booked through American Express travel
- 5x points on all flights booked through AmExtravel.com
- 2x points on key business purchases (limited to $2 million per calendar year)
- Select categories (Construction material and hardware suppliers Electronic goods retailers and software & cloud system providers Shipping providers)
- Single purchases of $5,000+
- 1x points on all other purchases
- $200 airline incidental credit per calendar year
- Lounge access:
- Centurion lounge access
- International American Express lounge access
- 10 Delta SkyClub loungevisits
- Priority pass select membership
- Airspace lounge access
- Hilton $50 credit per quarter
- $90 quarterly credit for Indeed
- $10 a month for wireless phone service providers
- Marriott gold status
- Hilton gold status
其中比较重要的内容有：
年费确实将变成 $895。大家可以趁着现在年费还是 $695，赶紧申请，然后赌新福利9.18之后立刻跟进，这样低年费享受高福利至少一小段时间。
FHR credit 确实将是半年 $300（一年共 $600），商业白金卡如此估计个人白金卡亦是如此。不管高年费高FHR credit你喜欢不喜欢，如果你现在正在持有个人白金卡，强烈建议赶紧把今年的 $200 FHR credit 给撸掉，这样9.18福利一刷新今年估计可以$200和新的半年$300都享受到。
Lululemon credit 的rumor没提，当然商业卡没有这个credit也正常，就是不知道个人卡是不是会有。9.18 没几天了，马上就知道了。
【2025.8.29 更新】要增加 Lululemon 和 Resy credit？
最近关于 AmEx Platinum 运通白金卡的小道消息真是接二连三不断。先是有官方发布下半年（可能是 9 月 18 日）会有大改，然后有人扒出来年费可能会涨到 $895，然后传出来 FHR credit 将从每年仅有 $200 增加到半年 $300。最近美卡论坛的 ayzg 转载小红书上的某位用户（TA 好像介意别的平台直接发 ID，这里就隐去了）发布的消息，有可能又有以下两种变化：
- 增加 Lululemon credit，按照季度发放，每个季度 $75 共 $300；
- 增加 Resy credit，没说频率，可能按照季度或者月平均发放，共 $400。
并且一楼的回复里还有一些更新：
- 会去掉 $300 Equinox credit；
- 其他现有的 credit 暂时保留，包括 $200 航空报销、$200 Uber Cash、$240 流媒体报销按月给、$100 Saks credit 按照半年给、Walmart+ $12.95 每个月税后报销；
- 别忘了 FHR credit 会变成半年 $300，共 $600。
消息的截图如下，主要为了留存凭证。
首先想说明这个消息源非常小道消息，没头没尾的，请大家不要太当真。本着记录的心态，我们暂且记录一下，等到 9 月 18 日大概率就知道究竟如何改了。
简单来分析一下，我本人本来是觉得 FHR credit 增加到 $600，应该会去掉不少其他的 credit 才对，$895 的年费看上去比较靠谱，但就算再高一些，应该短期内不会超过 $995。Equinox $300 去掉看上去还是挺有可能的，Saks 如果真的能保留下来，我觉得还是有点意外，尤其之前传言 Saks 可能破产的消息满天飞。还有我觉得 Walmart+ 的按月报销迟早要去掉，因为它跟 Amex 白金卡对标的用户形象太不统一了。
Amex 有句宣传语：Don’t live life without it。看来白金卡的目标真的是渗透到生活的方方面面。不知道大家觉得这个小道消息有多真呢？如果真的增加了 Lululemon 和 Resy，你欢迎这两种报销福利吗？
【2025.8.14 更新】9.18 福利变更；FHR Credit 福利升级：年度$200变半年$300（一年共$600）?
今天，美卡论坛 tlitb 发现，AmEx白金卡的FHR Credit福利可能从2025年9月18日开始从每年$200增加为每半年$300，每年总共$600。原始的Term官网出现了一下以后又删了，我们截录如下：
†$600 HOTEL CREDIT: Basic Card Members on U.S. Consumer Platinum Card Account are eligible to receive up to $300 in statement credits semi-annually (January to June, and July to December) for up to a total of $600 per calendar year, when they or Additional Platinum Card Members use their Cards to pay for eligible prepaid Fine Hotels + Resorts® and The Hotel Collection bookings made through American Express Travel (meaning through amextravel.com, the Amex Travel™ App, the Amex® App, or by calling the phone number on the back of your eligible Card) or when Companion Platinum Card Members on such Platinum Card Accounts pay for eligible prepaid bookings for The Hotel Collection made through American Express Travel (meaning through amextravel.com, the Amex Travel™ App, the Amex® App, or by calling the phone number on the back of your eligible Card). Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $600 per calendar year, per Card Account. Fine Hotels + Resorts® program bookings may be made only by eligible U.S. Consumer Basic Platinum and Additional Platinum Card Members. The Hotel Collection bookings may be made by eligible U.S. Consumer Basic and Additional Platinum Card Members and Companion Platinum Card Members on the Platinum Card Account. Delta SkyMiles® Platinum Card Members are not eligible for the benefit. To receive the statement credits, an eligible Card Member must make a new prepaid booking (referred to as “Pay Now” on amextravel.com, the Amex Travel™ App, and the Amex App) using their eligible Card through American Express Travel for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection property. Bookings of The Hotel Collection require a minimum stay of two consecutive nights. Eligible bookings do not include interest charges, cancellation fees, property fees or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise). Statement credits are typically received within a few days, however it may take 90 days after an eligible prepaid hotel booking is charged to the Card Account. Eligible bookings must be processed before June 30th, 11:59PM Central Time, to be eligible for statement credits within the January to June benefit period, and December 31st, 11:59PM Central Time to be eligible for statement credits within the July to December benefit period. American Express relies on the merchant’s processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identified to us as occurring on January 1st, then the statement credit available in the next calendar year benefit period will be applied, if available. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit. Statement credit(s) may not be received or may be reversed if the booking is refunded, cancelled, or modified. If the Card Account is cancelled or past due, it may not qualify to receive a statement credit. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if it is a booking: (i) made with a property not included in the Fine Hotels + Resorts or The Hotel Collection programs, (ii) not made through American Express Travel, or (iii) not made with an eligible Card. Participating properties and their availability are subject to change. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. Please refer to AmericanExpress.com/FHR and The Hotel Collection Bookings | American Express Travel for more information about Fine Hotels + Resorts and The Hotel Collection, respectively.
Basic Card Members on U.S. Business Platinum Card Accounts (“Card Account”) are eligible to receive up to $600 in statement credits per calendar year when they or eligible Employee Card Members on the Card Account use their Cards to pay for eligible prepaid Fine Hotels + Resorts® and The Hotel Collection bookings made through American Express Travel (meaning through amextravel.com, the Amex Travel App™, the Amex® App, or by calling the phone number on the back of their eligible Card). Purchases by both the Basic Card Member and any Employee Card Members on the Card Account are eligible for statement credits. The total amount of statement credits for eligible purchases will not exceed $300 semi-annually for a total of up to $600 per calendar year in statement credits across all Cards on the Card Account. Each semi-annual eligibility period is defined as January to June and July to December. Starting on September 18, 2025, customers will have $300 available for use, expiring on December 31, 2025. Fine Hotels + Resorts® program bookings may be made only by eligible U.S. Business Basic and Employee Business Platinum Card Members. The Hotel Collection bookings may be made by eligible U.S. Business Basic and Employee Business Platinum and Employee Business Expense Card Members. To receive the statement credits, an eligible Card Member must make a new booking using their eligible Card through American Express Travel on or after September 18, 2025, that is prepaid, for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection property. Bookings of The Hotel Collection require a minimum stay of two consecutive nights. Eligible bookings must be processed within the eligibility period to be eligible for statement credits within that period. Eligible bookings do not include interest charges, cancellation fees, property fees or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise). Statement credits are typically received within a few days, however it may take 90 days after an eligible prepaid hotel booking is charged to the Card Account. American Express relies on the merchant’s processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31 but the merchant processes the transaction such that it is identified to us as occurring on January 1, then the statement credit available in the next eligibility period will be applied, if available. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit. Statement credit(s) may not be received or may be reversed if the booking is refunded, cancelled, or modified. If the Card Account is cancelled or past due, it may not qualify to receive a statement credit. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if it is a booking: (i) made with a property not included in the Fine Hotels + Resorts or The Hotel Collection programs, (ii) not made through American Express Travel, or (iii) not made with an eligible Card. Participating properties and their availability are subject to change. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide, and may reverse, any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. Please refer to AmericanExpress.com/FHR and The Hotel Collection Bookings | American Express Travel for more information about Fine Hotels + Resorts and The Hotel Collection, respectively.
同时，大家惊喜的发型，AmEx商业白金卡也增加了这个福利。由于我们之前知道2025年9月18日是AmEx商业白金会有比较大的调整，比如通过AmEx Travel预定商务舱的35% MR商务舱返点将仅仅限于指定航司而不是所有航司。因此这个Term的可靠性还是非常高的。当然啦，福利平白无故的增加了每年$400，对应的年费肯定也有不少的增幅，大家的预测都是至少涨$200到$895。不过从论坛的反馈来看，大家普遍认为这算是一个利好，算是真“暖心”升级，毕竟FHR的使用难度比起Saks Credit, Dell Credit, Entertainment Credit来说要容易太多了。
至于今年已经用掉了9月18日以前的$200，那么从9月18日开始是有新的$300还是有额外的$100，目前还不是很肯定，推测来看很可能是会有新的$300。因此强烈建议大家要是今年白金卡的$200 FHR还没用掉的话，在9月18日之前抓紧用掉！
欢迎大家加入论坛专贴讨论这个升级：
等正式Term发布以后，我们也会相应的更新AmEx个人和商业白金卡的福利。
【2025.6.21 更新】年费将会上涨为 $895？
根据对amex qwww网址的分析，美卡论坛 吹小号的鹅发现AmEx Platinum出现了一个正在内测的网页，里面写着年费 $895。（DoC也发了rumor文章，然后他标记的来源是 Reddit oxymoronic99，然后这个Reddit用户说他的来源是美卡论坛，所以其实真正的来源就是美卡论坛 吹小号的鹅对qwww网址的分析。）
看起来我们之前猜测的很对，AmEx就是不能忍CSR改版后的年费$795超过AmEx Platinum，所以一定要涨年费压Chase一头！
目前的信息还仅限于年费，具体福利会有何变更还没有消息。不过盲猜就是coupon book变厚吧，这是近年来的确定性趋势了。
【2025.6.16 更新】下半年将要推出“重大更新”？
就在Chase正在宣传针对 Chase Sapphire Reserve (CSR) 推出改版之际，AmEx 官方发新闻稿称将于2025年下半年对 AmEx Platinum 运通白金卡（个人版&商业版）推出”重大更新“ (“major updates”)。官方新闻稿在这里：
根据通告，目前还没有公布太多细节，包括年费将涨到多少、增加什么新福利都还没有公布。
尽管目前的信息并不多，一个很显然的猜测是：AmEx 可能是觉得CSR改版后的$795年费超过了当前AmEx Platinum的$695年费，这让AmEx显得很没面子，所以估计至少要对等加年费加到$795，甚至反超至$995。
通告中说更多细节将于今年秋天公布，有了更多细节之后我们会回来更新本文。Stay tuned!
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