Oh and BTW signup offers for the Amex Plat can vary so it's worth making an effort to get a good one, since it's a once-in-a-lifetime (or at least once-in-7ish-years) opportunity. Check the CardMatch Tool and see if you have a 100K points offer, which is the target. If the 100K offer doesn't show there, could be worth calling Amex and see if they'll extend the offer to you, and/or wait a while and see if such an offer pops up.