Now there is a way to beat the high annual fees charged by American Express. Just keep $25,000 to $100,000 in your American Express bank or brokerage accounts. AmEx unveiled this week the American Express Investment Management Account Platinum Card.  AmEx customers with a combined minimum balance of $100,000 in their AmEx Brokerage and/or American Express Centurion Bank accounts are eligible for the new card program. AmEx is discounting its $300 Platinum Card annual fee to $225 annually for IMA Platinum cardholders.  Under the new program all card purchases and cash withdrawals will be directly debited from the customer's Investment Management Account. A Gold card version is also available for customers with a combined minimum balance of $25,000 in their American Express Brokerage and/or American Express Centurion Bank accounts. The $75 Gold card annual fee is totally waived. In addition to an American Express Card, the American Express Investment Management Account provides the following convenient features free, unlimited checkwriting and debit card use; ATM access with automatic rebates for surcharges, up to $1.50 per transaction,four times per month and no surcharges at AmEx ATMs; and online bill payment, free for accounts greater than $25,000. For more information visit the company's web site at www.americanexpress.com.