100K Amex Membership Rewards Points for getting approved for the Platinum Card (consumer version) and spending $3K in 3 months. $450 fee, but as you can get $200 in airline credits now and $200 from Jan 1st-6th 2014 before you cancel by Jan 7th, the effective fee can be considered $50. Or, if you can spend and get the points to post rapidly, they'll refund most or all of the fee if you cancel within a couple of months. The card gets you lounge access at a few airlines/brands, status with some car and hotel providers, and a slew of other perks. Best offer ever, as no match requests or other hoops need to be jumped through. Targeted in the sense that you first have to get the offer to pull up for you. SS# not required, but it's a soft pull and a trusted site, so no big deal to include to boost your odds. I was approved immediately, and the terms show directly on the application and confirmation pages. Note especially the restrictions for those who have had this card previously (within 12 months disqualifies) or some other cards within the past 90 days. 1) Go here https://www.creditcards.com/cardmatch/ 2) Enter your info. Skip SS# if worried, but it's a reputable site and including SS# boosts your odds of getting the offer. 3) Apply and take screen shots. Note that you might need to sign out, wipe cookies/cache, or use Incognito mode if your browser has previous Amex sessions onboard. Good luck! TERMS Receive 100,000 Membership Rewards® points when you spend $3,000 in your first 3 months of Card membership. Annual Membership Fee is $450. Welcome bonus offer not available to applicants who have had this product within the last 12 months or any Consumer ZYNC, Green or Gold Card account within the last 90 days.