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There are data points rolling in from Reddit of people claiming the $450 annual fee on their American Express Business Platinum card is (unexpectedly) waived the first year.

This is not true of every single report, but many have noticed in their card agreements with American Express a line about the $450 annual fee being waived for the first year of card membership.

In case you missed the news: through January 25, 2017, the American Express Business Platinum Card is offering 100,000 total bonus Membership Rewards after spending $15,000 in the first three months. It’s a crazy good deal for those that have the spending power or can manufacture it– whether or not the annual fee is waived. Read more about getting the most out of your Platinum card here.

How to Check if Your $450 Annual Fee is Waived

Did you recently apply for the Business Platinum Card with the 100k Membership Reward bonus? Then follow these steps to check whether your card agreement states the annual fee as waived for the first year:

  1. Sign into your online American Express account
  2. Click “Account Services” in the horizontal toolbar at the top of the screen
  3. Click “Card Management” in the vertical toolbar on the left side of the screen
  4. Click “Request Cardmember Agreement” at the bottom of the page


If you have the paperwork that originally came with your card in the mail, information regarding the annual fee should also be there.

Who is getting the annual fee waived and who isn’t?

It’s hard to tell. Many of those who have reported having their annual fee waived applied in an incognito window, but I wouldn’t count on that. It’s a toss up that is less likely to be a loophole the more time passes, and $450 is a considerable amount of money. But if you were already considering applying, do it now. You might get lucky.

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Bottom Line

If you recently applied for the increased sign up bonus deal on the Business Platinum Card from American Express, check your cardmember agreement online to see if the terms and conditions state that the $450 annual fee is waived the first year. There have been others that have done this in the past week and found themselves $450 richer.

If you were thinking about applying for the Business Platinum card anyways, this is the time to do it. But don’t apply for this card banking on the fact that the $450 annual fee is waived, there is absolutely no guarantee it will be and not everyone’s has been.

Hat tip Miles to Memories

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