bro-mathing Equinox + Amex Platinum

@seattletechbro

44.6K followers · usually 10.7K views a post

Views

222.9K

Likes

8.2K

Comments

98

Shares

726

SoundTikTok sound · original sound - seattletechbro

Promoted product

American Express Platinum

Learn how to unlock $3,500+ in annual value with benefits and eligible purchases across travel, dining, entertainment and more. Terms apply.

4 videos4 creators

Why it worked

The video uses a relatable 'bro-math' framework to turn a complex financial decision into a simple, logical equation, making the high annual fee of a premium credit card feel like a 'free' win.

Summary

The creator performs a cost-benefit analysis to determine if the annual fee of the American Express Platinum card is offset by its various statement credits when combined with a new Equinox gym membership. He concludes that the card effectively pays for itself through these credits, making it a worthwhile addition to his financial stack.

Structure

1Introduction of the Equinox and Amex Platinum bro-math
2Explanation of the $300 Equinox credit incentive
3Breakdown of the $700 annual fee vs potential credit offsets

Original caption

Excited for the Equinox, even more excited to optimize the credit card stack a little more! #equinox #creditcards #amex #financetiktok #greenscreen

More from @seattletechbro

Product placement

The American Express Platinum card is the central subject of the video, with the creator using a screenshot of the card's benefits page to walk through his financial justification.

On-screen text

bro-mathing Equinox + Amex Platinum Credits 4. Up to $200 in annual credit for airline incidental fees 5. Up to $200 in Uber Cash for rides 6. Up to $200 in annual hotel credit 7. Up to $300 Equinox credit 8. $300 SoulCycle credit 9. Up to $240 in digital entertainment credit 10. $199 Clear credit 11. Reimbursement of application fees for TSA Precheck or Global Entry 12. Up to $100 in statement credits annually at Saks Fifth Avenue 13. Walmart+ Monthly Membership Credit Lounge benefits 14. Access to the American Express Lounge Collection

Transcript

I want to see if the Amex Platinum might pay for itself. I went to the Equinox showroom in Seattle a couple weeks ago and the person walking me through the membership asked if I had a Platinum because there's some $300 credit. Now $300 is a lot of money and so I decided to see whether or not the Platinum made sense to reintroduce into my credit card stack because I had already made the decision that I wanted to sign up for this Equinox membership. Now keep in mind the annual fee for this card is $700 and so my goal was to see if I could add up to $700 out of all the credits that the card offers because then the card would be worth it for me to keep even if I didn't use it. For me I get plus $200 because of the Uber cash and plus $300 because of the Equinox credit, adding up to $500 already. Depending on how much you use either of these platforms, like either any of these like digital entertainment platforms or if you use Clear a lot, then you can add that to your credit total. For me, I pay for Clear anyways and so for me that's another plus $200. And so I hit that $700 total already. But a little icing on the cake, I would also use these $100 in statement credits annually at Saks and I usually just get socks with this. So for me the total in credits that I would use is $800 compared to the annual fee of $700, meaning if I don't even use the Amex Platinum on any transactions other than that gym membership, the card is worth having for me. And so when the Equinox opens up in April or whatever, I'm going to go ahead and sign up for that card.