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# ![@kaungfi Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7105093532400665646.png) @kaungfi K - Points Millionaire ✈️

The American Express Platinum card has recently undergone a refresh, introducing new benefits and a new mirror finish design. Cardholders and potential applicants are discussing the changes, including new perks like a $XXX FHR hotel credit, and how to maximize benefits, such as enrolling in perks like Hilton Gold status and Lululemon credits. The refresh has sparked conversations about the card's value and how it compares to other credit cards.

### Engagements: XXXXXX [#](/creator/tiktok::7105093532400665646/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7105093532400665646/c:line/m:interactions.svg)

- X Week XXXXXXX -XX%
- X Month XXXXXXX -XXXX%
- X Months XXXXXXXXX -XX%
- X Year XXXXXXXXX +510%

### Mentions: XX [#](/creator/tiktok::7105093532400665646/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7105093532400665646/c:line/m:posts_active.svg)

- X Week XX -XXXX%
- X Month XX -XX%
- X Months XXX +104%
- X Year XXX +300%

### Followers: XXXXXX [#](/creator/tiktok::7105093532400665646/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7105093532400665646/c:line/m:followers.svg)

- X Week XXXXXX +0.51%
- X Month XXXXXX +2.50%
- X Months XXXXXX +23%
- X Year XXXXXX +257%

### CreatorRank: XXXXXXX [#](/creator/tiktok::7105093532400665646/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7105093532400665646/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  [finance](/list/finance)  [technology brands](/list/technology-brands)  [fashion brands](/list/fashion-brands)  [social networks](/list/social-networks)  [countries](/list/countries) 

**Social topic influence**
[if you](/topic/if-you), [express](/topic/express) #1342, [rakuten](/topic/rakuten) #42, [$4755t](/topic/$4755t) #42, [charles schwab](/topic/charles-schwab) #11, [credit cards](/topic/credit-cards) #201, [sapphire](/topic/sapphire) #72, [hotels](/topic/hotels) #517, [amex](/topic/amex), [money](/topic/money)

**Top accounts mentioned or mentioned by**
[@american](/creator/undefined) [@jess](/creator/undefined) [@hyatt](/creator/undefined) [@trending](/creator/undefined) [@clear](/creator/undefined) [@nunyadamnbness](/creator/undefined) [@evedesignsee](/creator/undefined) [@twojs99](/creator/undefined) [@craigooooooooo](/creator/undefined) [@southwest](/creator/undefined) [@footballfusionpro69](/creator/undefined) [@melissa](/creator/undefined) [@hilton](/creator/undefined) [@illumishade](/creator/undefined) [@ask](/creator/undefined) [@mateo](/creator/undefined) [@leron](/creator/undefined) [@jbj](/creator/undefined) [@delta](/creator/undefined) [@costco](/creator/undefined)

**Top assets mentioned**
[Charles Schwab Corporation (SCHW)](/topic/charles-schwab) [Lululemon Athletica Inc (LULU)](/topic/$lulu) [Marriott International Inc (MAR)](/topic/$mar) [Uber Technologies, Inc. (UBER)](/topic/$uber) [StubHub Holdings, Inc. (STUB)](/topic/$stub) [Bank of America (BAC)](/topic/bank-of-america)
### Top Social Posts
Top posts by engagements in the last XX hours

"Quick way to earn a bunch of #Amex Membership Reward Points by enrolling in Pay Over Time. #americanexpress #creditcardtips"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7401711649561972014)  2024-08-11T03:01Z 40.1K followers, 91.6K engagements


"Replying to @Lrod How I would book a trip using points and miles. This person was limited to Amex and Capital One points and Bonvoy Marriott points. I picked a direct flight but unfortunately the fees were somewhat higher due to not being able to access United via Chase Points"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7530697079665085726)  2025-07-24T17:11Z 40.4K followers, 2202 engagements


"👇 Comment Transfer Bonus if you want to be notified when theres a new one and never miss out again I want against the dangers of transferring points to an airline or hotel UNTIL you check and verify availability first ⚠ #creditcardpoints #pointsandmiles"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7569795703896083742)  2025-11-07T01:53Z 40.4K followers, 19.4K engagements


"👇 Comment Venture X if you found this video helpful I go over how Capital One is sensitive to new accounts and hard inquiries on your credit profile and may still reject you for applications on cards like the Venture X even if you have a good credit score and income. #capitaloneventurex #TikTokLearningCampaign #PersonalFinance"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7573812432817114399)  2025-11-17T21:40Z 40.3K followers, 82.6K engagements


"Your Amex Platinum (personal) benefits are going away Whether its monthly quarterly or yearly all of them are use it lose it and youll lose them on December 31st for the 2025 year. (Yes youll get a new set on Jan 2026). So I go over which ones you should try to use up if you havent already. Remember to login to your American Express account go to Benefits enroll and glance through the terms on how to use it. Travel: TSA or Global Entry CLEAR $XXX Fine Hotels & Resorts $XXX Airline Incidentals $XXX UberOne $XX Uber or UberEats (Dec only usually $15) Retail: $XXX Equinox $XXX SoulCycle $200"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7579008165417667871)  2025-12-01T21:42Z 40.4K followers, 71.5K engagements


"#creatorsearchinsights The Saks Fifth Avenue credit for the American Express Platinum card is one of the few perks that you can carry over from one period to another IF you do this hack. The credit is twice a year from Jan-Jun and Jul-Dec. You get reimbursed up to $XX for a purchase whether its in store or online. But if youre not sure what to buy you can go IN STORE ONLY and buy a $XX gift card and the statement credit will still trigger. I hope this proof ends the conversation once and for all but I know therell always be people who dont trust folks like me who have been doing this for"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7518098764855348510)  2025-06-20T18:23Z 40.4K followers, 27.5K engagements


"#creatorsearchinsights The BILT card is overrated plain and simple. While I give them credit for pros like no annual fee or amazing transfer partners at the end of the day the card is useless for homeowners; and the lack of a sign up bonus means it will take you a year or two to earn a meaningful stash of points #creditcards #biltcreditcard #pointsandmiles"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7538168889578949918)  2025-08-13T20:25Z 40.4K followers, 12.8K engagements


"Happy 11/11 Hopefully you see something you love for XX% back on Rakuten"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7571508066915568926)  2025-11-11T16:38Z 40.4K followers, 1623 engagements


"Here is a money saving tip: buy gift cards a discount when they go on sale Ive easily saved 10-20% off my favorite brands by doing this #creatorsearchinsights #giftcards"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7388231253251640622)  2024-07-05T19:10Z 40.4K followers, 28.7K engagements


"#creatorsearchinsights @Hyatt hotels are the best period 🏨 Not only is it a great value with #creditcardpoints but their perks for #globalists are amazing #hyatthotel"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7402764769255656750)  2024-08-13T23:08Z 40.4K followers, 184.8K engagements


"#Southwest airlines has open seating. So your best bet to good seats is to check in exactly XX hours before your flight and get an early boarding group. #southwestairlines"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7445021333303348522)  2024-12-05T20:05Z 40.4K followers, 81.9K engagements


"#creatorsearchinsights If you want to upgrade your travel game in 2025 please ask me how to use credit card points and miles the right way Ive been fortunate enough to do this for years and practically pay nothing for my flights and hotels. Please reach out if you need help #creditcardpoints"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7455131059403918634)  2025-01-02T01:56Z 40.4K followers, 69.4K engagements


"The best way to use your credit card points on travel is to transfer them to partner programs. I show you an example of the cash rate vs. travel portal vs. transferring to a hotel partner. #pointsandmiles #creditcardtips @Hyatt Regency Cleveland"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7462094265569578283)  2025-01-20T20:17Z 40.4K followers, 1.7M engagements


"Opening a checking account with a bank can be an easy way to make money. Most of the time they have simple requirements giving you a few hundred dollars. Get in on some bank bonuses 💵 #bankaccount #bankbonus #checkingaccount"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7471013375192124718)  2025-02-13T21:07Z 40.4K followers, 20.4K engagements


"Which one are you choosing 👇 Centurion Lounge or Sapphire Lounge 🍸 Team Chase or Team Amex 💳 #airportlounge #centurionlounge #sapphirelounge"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7559598794866691359)  2025-10-10T14:24Z 40.4K followers, 616.8K engagements


"If you have a Delta credit card and arent using your Delta Stay credit each year to save on a hotel room heres your reminder to use it And youre welcome 🏨 #deltaairlines #deltacreditcard #deltastays"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7562373585860381982)  2025-10-18T01:52Z 40.4K followers, 198.5K engagements


"Because of the Charles Schwab debit card I have not paid a single ATM fee since 2017. They will reimburse you worldwide so it makes sense for any traveler to have"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7576842571633134878)  2025-11-26T01:39Z 40.4K followers, 7395 engagements


"There is no better travel card for beginners or newbies than the Chase Sapphire Preferred #travelhacking #creditcardpoints"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7387122068459932970)  2024-07-02T19:26Z 40.4K followers, 1.1M engagements


"#creatorsearchinsights The #americanexpressplatinumcard has many benefits. Do you know all of them #amexplatinum #amex #platinumcard @American Express"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7398271520008719659)  2024-08-01T20:32Z 40.4K followers, 84.8K engagements


"Here is a #creditcard hot take youre not going to hear much 🔥 Capital One Venture X is overrated and has never been in my wallet 💳 #capitaloneventurex #creditcards"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7415349638934400298)  2024-09-16T21:03Z 40.4K followers, 204.9K engagements


"#creatorsearchinsights Charles Schwab Fidelity and Betterment have -THE- best debit cards period 💳 They dont have fees and will reimburse you for all ATM fees worldwide"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7418954959963753774)  2024-09-26T14:14Z 40.4K followers, 40.7K engagements


"#ad @Rakuten is having a great promo for new users right get. Get $XX when you join and spend $XX. Gotta join via a friends code and you can get mine by clicking above or just asking me. What are you waiting for Deal ends Sep XX or whenever theyve given out enough promos ⚠"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7548936752111668510)  2025-09-11T20:50Z 40.4K followers, 2050 engagements


"#creatorsearchinsights Everyones talking about the Amex Platinum refresh and how the annual fee is going up. But Im the only one telling you to take a second to reconsider first and ensure youre following the family rule before jumping on Platinum and missing out on sign up bonuses for Green and Gold 😩 #americanexpress #financialliteracy #tiktoklearningcampaign #creditcard"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7549338417499245855)  2025-09-12T22:48Z 40.4K followers, 244.2K engagements


"I have the Charles Schwab version of the American Express Platinum card. Unfortunately this means I currently dont have the option to update my card appearance to the new mirror finish that came out with the Platinum refresh 😭 #amexplatinum #americanexpressplatinum"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7551846947024391454)  2025-09-19T17:03Z 40.4K followers, 276.4K engagements


"New Amex Platinum cardholders: dont forfeit your perks 💳✨ After you get the Amex Platinum mirror finish card you need to save this video and check your benefits page. If you dont enroll you lose out on perks like Hilton Gold status Lululemon credits Resy dining credits and more. Dont waste your annual fee activate your Amex Platinum benefits. #AmexPlatinum #AmexRefresh #CreditCardHacks #PointsAndMiles"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7551959263296408862)  2025-09-20T00:19Z 40.4K followers, 236.9K engagements


"👇 Heres every Amex Platinum benefit you need to track because these are use it or lose it and they DONT roll over: Monthly 💸 $XX Uber Cash ($35 in December) rides & Uber Eats 🎬 $XX Digital Entertainment YouTube Premium/TV Disney+ bundle Hulu ESPN+ Peacock Paramount+ NYT WSJ 🛒 Walmart+ up to $12.95/mo credited back Quarterly 🍽 Resy $100/quarter for dining 🧘♂ Lululemon $75/quarter Semi-Annual 🏨 Fine Hotels & Resorts / The Hotel Collection $600/year ($300 JanJun $XXX JulDec) 🛍 Saks $XX JanJun $XX JulDec Annual 🚕 Uber One membership $120/year ✈ Airline incidental fee credit $200/year"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7552700905439661342)  2025-09-22T00:17Z 40.4K followers, 17.9K engagements


"A lot of people have been asking if buying certain gift cards will trigger the Amex benefit or credit. Lets put those questions to bed by giving some guidelines and explanations. #americanexpress #amex #giftcards"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7553829646366723358)  2025-09-25T01:17Z 40.4K followers, 150K engagements


"#tiktoklearningcampaign #financialliteracy Stop paying fees to use ATMs. If you have a checking account with these X banks youll never to worry about being in network every again: Charles Schwab Fidelity and Betterment"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7557173462062648607)  2025-10-04T01:32Z 40.4K followers, 9572 engagements


"I clear up the dos and donts about the hacks for the Lululemon credit with Amex Platinum and Rakuten. ✅ In store gift card ✅ Stack with Rakuten and return for store credit ❌ Buying GC online with portal"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7558124635582139678)  2025-10-06T15:04Z 40.4K followers, 26.5K engagements


"Please get yourself a debit card that will reimburse you for all ATM fees around the world; like Charles Schwab. I havent paid any fees in over X years now no matter where I go. #charlesschwab #debitcard"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7566745046356086047)  2025-10-29T20:35Z 40.4K followers, 21.6K engagements


"Stack your Chase Sapphire Reserve StubHub credit with Rakuten today for XX% back either as cash Amex or BILT points"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7574112876936432927)  2025-11-18T17:06Z 40.4K followers, 20.1K engagements


"Let me guess you slept in or you waited a few hours and now the amazing deal on your feed is longer anywhere to be found 😭 Been there done that. Theres so much detail that is often neglected about the points and miles game and today I want to make you aware that some deals are amazing barely last an hour because so many people snatch it up as soon as the news breaks #pointsandmiles #creditcards #deltaskymiles"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7577080405891796254)  2025-11-26T17:02Z 40.4K followers, 2977 engagements


"👇 Comment TRIPLE DIP if you learned something new today So lets talk about not just double dipping but TRIPLE DIPPING on credit card benefits. A few things to know 1) Must be calendar year benefits that run from Jan X to Dec XX and not cardmember year. So this mostly will apply to Amex cards as well as some cards from Citi or Bank of America. X. You should ideally open the card in December around first week to give yourself enough time to spend it once in Dec 2025 again anytime in 2026 and again as soon as its Jan 2027. Before the annual fee on year X hits. X. This is assuming you downgrade"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7577159938535902494)  2025-11-26T22:10Z 40.4K followers, 4735 engagements


"Rakuten has many big brands esp ones with benefits or credits related to your credit cards at XX% back today. Take advantage and get something back on your purchases whether its cash or Amex points or BILT points. #rakuten #thanksgivingsale"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7577451472435055902)  2025-11-27T17:02Z 40.4K followers, 7113 engagements


"👇 let me know if you agree or not I think the biggest scam in the world of credit cards is the notion of pre-approvals. Ive been in the game long enough and want to make X points of why I dont believe theyre legit. #creditcards #creditcardtips"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7579788508768881951)  2025-12-04T00:11Z 40.4K followers, 2559 engagements


"You NEED to start playing the game (and play it the RIGHT WAY) sooner than later before its not even worthwhile anymore. I go over X of the big negative changes that are affecting the credit card points and miles world like: X. Devaluations 📉 X. The loss of sweet spot redemptions ❌ X. More restrictions on earning sign up bonuses (SUBs) 🫠 #creditcardpoints #pointsandmiles"  
[TikTok Link](https://www.tiktok.com/@kaungfi/video/7581967653275815199)  2025-12-09T21:07Z 40.4K followers, 2424 engagements