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      If you make a purchase or sign up for a credit card after clicking a link on this site, The Vacationer may receive compensation as it is part of an affiliate sales network that receives compensation for sending traffic to partner sites. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The Vacationer does not review or include all possible offers, credit cards or credit card companies. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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      The Platinum Card from American Express Benefits & Review (September 2022)

      Josh Patoka
      American Express Platinum Card Benefits Review

      Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

      The Platinum Card® from American Express features a plethora of travel and lifestyle benefits that you won’t find with other travel credit cards. So if you’re a frequent flyer or prefer luxury travel, this card can improve your travel experience and reduce your travel costs.

      Here is an in-depth look at everything the American Express Platinum Card offers. Learn How to Apply Here.

      Who is the Platinum Card from American Express For?

      You should consider this card if you currently spend a lot of money on travel and luxury lifestyle brands. For example, you can be an excellent fit if these are some of your ordinary expenses:

      This card states you can receive at least $1,500 in benefits but the annual fee is one of the highest at $695 (see Rates & Fees). You must decide if your travel and daily routine match the card perks.

      Benefits at a Glance
      American Express Platinum Card Table
      Credit Card Learn More
      Annual Fee: $695
      Current Welcome Bonus Offer: Earn 100,000 Membership Rewards after spending $6,000 in the first 6 months
      5x Membership Rewards on flights booked directly with airlines or with Amex Travel (up to $500,000 per calendar year)
      5x Membership Rewards on prepaid hotels booked with Amex Travel
      1x Points Per Dollar Spent on all remaining purchases
      $200 Hotel Statement Credits for prepaid Fine Hotels + Resorts or The Hotel Collection bookings (minimum two-night stay)
      Up to $200 Airline Fee Credit per calendar year on incidental fees. Enrollment required.
      Up to $200 Uber Cash for rides and eats (in the U.S.) orders with monthly credits.
      $155 Walmart+ Credit for a monthly membership ($12.95 per month statement credit plus applicable local taxes). Plus Ups are excluded.
      $240 Digital Entertainment Credit (up to $20 monthly) for eligible media services. Enrollment required.
      Up to $300 Equinox Credit per year. Enrollment required.
      Airport Lounge Access including The Centurion and Priority Pass Select networks (enrollment required).
      Global Entry or TSA PreCheck application fee credit (up to $100)
      CLEAR® application fee credit (up to $189 per year)
      Discounts and Complimentary Amenities at select luxury hotels and resorts
      Hotel Elite Status with Hilton Honors and Marriott Bonvoy. Enrollment required.
      Travel and Purchase Protection Coverage
      No Foreign Transaction Fee
      APR: See Pay Over Time APR
      Great or Excellent credit score required (700+)
      – Terms Apply. See this card’s Rates & Fees.

      Featured Platinum Card from American Express Benefits

      There are many reasons to consider applying for the Amex Platinum and these benefits are some of the most valuable.

      100,000 Bonus Membership Rewards Welcome Offer

      The current welcome offer bonus is 100,000 Membership Rewards points after spending $6,000 in the first 6 months. The 100,000 Membership Rewards bonus is worth up to $1,000 in award flights and select gift cards. The bonus can be worth over $2,000 when transferring to select American Express partner airlines and hotels.

      The Vacationer Tip

      Ensure you can meet the $6,000 spending requirement in six months to earn the bonus. Otherwise, you will miss out on one of the most valuable benefits of the Amex Platinum card.

      Airport Lounge Access

      You will receive complimentary access to these lounge networks:

      • Centurion Lounges
      • Priority Pass Select (enrollment required)
      • Delta Sky Club
      • Airspace
      • Escape
      • Lufthansa
      • Plaza Premium

      It’s possible for you and up to two companions to visit free of charge. However, for airline lounges like Delta Sky Club and Lufthansa, you will need an active itinerary for that airline to enter.

      Beginning in February of 2023, Platinum cardholders will be charged $50 for each guest for Centurion Lounge access. This fee is waived if the cardholder spends at least $75,000 in a calendar year.

      Further reading: best credit cards for airport lounge access.

      $200 Airline Fee Credit

      American Express Platinum Card Airline Credit Benefits

      Screenshot: americanexpress.com

      Amex will reimburse up to $200 in incidental travel fees for one airline of choice each calendar year. Some of the qualifying expenses include:

      • Checked bags
      • In-flight food and beverages
      • Change fees
      • Lounge visits
      • Mileage multipliers

      This benefit doesn’t reimburse plane ticket purchases like other premium credit card travel credits. As a result, it can be harder to redeem if you’re not one to make incidental purchases with an airline and tend to spend your dollars in the airport terminal instead.

      The qualifying airlines include the legacy domestic carriers (American, Delta, United) and many discount airlines such as Alaska, Southwest, JetBlue, and Frontier.

      Further reading: best credits cards for airline and airfare benefits

      $200 Hotel Credit

      Luxury travelers can receive up to $200 in statements on prepaid bookings at Fine Hotels + Resorts or The Hotel Collection bookings when staying for a minimum of two nights.

      You book qualifying stays through AmexTravel.com. It’s possible to enjoy additional benefits at these properties too:

      • Fine Hotels + Resorts: Average total value of $550 in extra perks like daily breakfast for two, a $100 experience credit, and 4 pm late check-out.
      • The Hotel Collection with American Express Travel: $100 experience credit for select on-site activities with a minimum two-night stay.

      Further reading: best credit cards for hotel benefits.

      $200 Uber Cash

      You will receive $15 per month ($35 in December) for up to $200 per year in Uber Cash for rides and eats (in the United States). This benefit can be an easy way to save money if you use Uber rideshares or your favorite restaurant trusts Uber Eats for delivery.

      Consumer Platinum cardholders are also eligible for UberVIP benefits in select cities. Add your Amex Platinum Card to your Uber account to get started.

      Free Global Entry or TSA PreCheck

      You will receive an application fee credit of up to $100 every four years for Global Entry or TSA PreCheck. This is a common benefit for premium travel credit cards and helps you skip the long security lines.

      Further reading: best credit cards for Global Entry and TSA PreCheck.

      CLEAR® Credit

      This card also gives you an annual up to $189 CLEAR® application fee credit which can help you get through the pre-security lines at airports quicker. CLEAR® can also help you enter stadiums and other indoor entertainment venues sooner as well. 

      While you don’t need Global Entry or TSA PreCheck to be eligible for CLEAR®, the Amex Platinum lets you get both for free. You can also stack TSA PreCheck and CLEAR® for an even speedier experience through security.

      $300 Equinox Credit

      The Platinum Card is best for its many travel statement credits but you can also enjoy a few lifestyle credits. For example, fitness enthusiasts will receive up to $300 in annual statement credits ($25 monthly) for Equinox memberships and Equinox+.

      There is also a separate $300 credit to purchase a SoulCycle At-Home Exercise Bike. The credit can also make up to 15 individual purchases during a calendar year if you’re a current owner.

      Earn 5x Membership Rewards on Travel

      American Express Platinum Card Airfare Hotel Benefits

      Screenshot: americanexpress.com

      You will earn up to 5 Membership Rewards per $1 on these travel purchases:

      • Flights booked directly through the airline or on AmexTravel.com (up to $500,000 per year)
      • Prepaid hotels through AmexTravel.com

      This earning potential is double most travel rewards cards that usually pay 2-3x on travel purchases.

      All non-bonus purchases earn 1 point per $1.

      1:1 Point Transfers

      You’re able to transfer your Membership Rewards at a 1:1 ratio to approximately 20 airlines and hotels. This redemption option is in addition to booking your award travel directly through American Express Travel.

      No Preset Spending Limit

      The Platinum Card doesn’t have a preset spending limit. Instead, your spending power is flexible and depends on several factors including your usual monthly balance.

      You will need to pay your balance in full or enroll purchases in the Pay Over Time payment plan at your personalized APR.

      Other Amex Platinum Card Travel Features

      These secondary benefits add additional value when you travel.

      Hilton Honors Gold Elite Status

      You receive complimentary Hilton Honors Gold status which typically requires staying at least 28 nights per year. 

      This loyalty tier’s best perks include 80% bonus points on stays, daily food and beverage credits, and space-available room upgrades. Enrollment required.

      Marriott Bonvoy Gold Elite Status

      This card also gives you Gold Elite status with the Marriott Bonvoy loyalty program. You won’t have to log the 25 qualifying nights or apply for a participating co-brand Marriott Bonvoy credit card to achieve this status. Enrollment required.

      Some of the core Gold Elite benefits include:

      • 25% bonus points
      • Point-based welcome gifts
      • Space-available Enhanced Room Upgrades

      Car Rental Privileges

      American Express Platinum Card Car Rental Benefits

      Screenshot: americanexpress.com

      You can enjoy several unique rental car benefits through these rental agencies:

      • Avis
      • Hertz
      • National

      Precise benefits vary by loyalty program but generally include discounts and complimentary upgrades when you enter an exclusive promo code.

      Further reading: best credit cards for car rentals and best credit cards for rental car insurance.

      Travel Insurance

      This card features several complimentary travel insurance benefits on your eligible travel purchases:

      • Car Rental Loss and Damage Waiver: Secondary rental car coverage on most domestic and international car rentals. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
      • Trip Cancellation and Interruption Insurance: Up to $10,000 per trip and $20,000 per 12-month period for non-refundable travel purchases. Underwritten by New Hampshire Insurance Company, an AIG Company.
      • Trip Delay: Up to $500 per trip when incurring delays exceeding six hours. You can redeem this benefit twice per consecutive 12-month period. Underwritten by New Hampshire Insurance Company, an AIG Company.
      • Baggage insurance: Up to $3,000 per carry-on and $2,000 for checked luggage. A $1,000 maximum applies to high-risk items. There is also a $2,000 per bag and a $10,000 aggregate limit for New York State residents. Underwritten by AMEX Assurance Company.

      Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

      Further reading: best credit cards offering travel insurance.

      Premium Global Assist Hotline

      It’s possible to request travel, legal, and medical assistance but third-party service provider fees still apply. 

      You can also receive complimentary emergency medical transportation assistance when traveling at least 100 miles away from home. Few travel credit cards offer this service.

      Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

      Discounts on International Flights

      You can book up to eight tickets at a discount for 25 international airlines. The qualifying fare classes are First, Business, and Premium Economy when your overseas flight originates and terminates in the United States.

      These flights can also earn up to 5x Membership Rewards.

      Wheels Up Private Jet Program Benefits

      Enjoy guaranteed hourly rates and up to two Wheels Up transaction fee waivers per year. It’s also possible to get initiation fee discounts if you’re purchasing a new Core or Connect Membership.

      Destination Experiences

      It’s possible to receive $100 onboard credit (for cruises) or instant savings when you spend at least $3,000 on a booking.

      Qualifying Platinum Destinations Vacations packages can earn an additional Membership Rewards point per $1.

      Travel and Dining Concierge

      American Express Platinum Card Concierge Benefits

      Screenshot: americanexpress.com

      You have access to several concierge programs that make it easier to book dining and entertainment outings:

      • Platinum Travel Service: A dedicated travel service where advisors can provide customized itineraries and suggested activities.
      • Global Dining Access by Resy: Add your Platinum Card details to your Resy profile or call Centurion Membership Services to make exclusive reservations and enjoy special dining experiences. The premium Resy alert system is great for scoring difficult reservations.
      • Preferred Seating Program: Secure hard-to-find tickets to dining and entertainment events.
      • American Express Presales: Purchase entertainment tickets before they go on sale to the general public.
      • By Invitation Only: Receive exclusive access to sports, concerts, theater, and dining experiences with VIP treatment.

      No Foreign Transaction Fees

      As you might expect, you won’t pay foreign transaction fees on international purchases.

      Additional Amex Platinum Card Shopping Benefits

      These retail benefits will boost your spending power and also protect your purchases.

      $240 Digital Entertainment Credit

      You will receive up to $20 in monthly credits for qualifying digital entertainment purchases. The eligible services are:

      • Audible
      • Disney+
      • ESPN+
      • Hulu
      • Peacock
      • SiriusXM
      • The Disney Bundle
      • The New York Times

      This benefit doesn’t provide as much liberty as most streaming service credits. For example, Netflix, fuboTV, and other streaming apps are ineligible. You must enroll to receive this benefit.

      $155 Walmart+ Credit

      American Express Platinum Card Walmart Benefits

      Screenshot: americanexpress.com

      Amex reimburses the $12.95 monthly membership fee (plus applicable local taxes) for Walmart+. This service may not have the name recognition or the “wow factor” as Amazon Prime but you shouldn’t underestimate this benefit as a Walmart is in most neighborhoods.

      Some of the Walmart+ benefits include:

      • Free delivery from your store
      • No order minimum for free shipping on online orders
      • Up to 85% savings on prescriptions
      • Save $0.05 per gallon at Walmart and Murphy fuel stations

      Up to $100 in Saks Fifth Avenue Shopping Credits

      You will receive two $50 semi-annual statement credits that you can redeem at Saks Fifth Avenue or Saks.com. Saks Fifth Avenue is a luxury department store offering everything from clothing to home goods. If you have not shopped at Saks you will notice it is expensive for most items. While the $50 credit is nice, it will not get you a lot. Enrollment is required to take advantage of this benefit.

      Amex Offers

      Amex Offers allows you to get Membership Rewards points or statement credits when making select purchases. You must add the particular offer to your card to earn the credit, and there is an expiration date for each offer. I regularly use Amex offers and have saved big on travel, shopping, and even gas purchases.

      InCircle Point Cards

      It’s possible to get a $100 InCircle Point Card for every 10,000 InCircle Points you receive. You can redeem these shopping rewards at Neiman Marcus, Bergdorf Goodman, Last Call, and Horchow.

      Purchase Protection

      New covered purchases that are stolen, lost, or accidentally damaged within the first 90 days are eligible for up to $10,000 per claim and $50,000 per calendar year. Coverage limits apply. No enrollment required.

      Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

      Return Protection

      Items that you try returning to the retailer within 90 days of the purchase date but the retailer rejects are eligible for up to $300 (excluding shipping and handling) in return protection. Your annual benefit limit is $1,000 per calendar year per card account. The full purchase must have been made with your Amex Platinum card, and it must be made in the U.S. or its territories.

      Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

      ShopRunner Membership

      You can receive complimentary ShopRunner membership to get free 2-day shipping and complimentary returns at participating retailers.

      Amex Send & Split

      The Amex Send & Split features let you easily split purchases with other American Express consumer cardholders. You can send money to Venmo and PayPal users without transaction fees.

      This service also lets you split card purchases with other American Express credit cards and receive payments as a statement credit. You can access this tool in the American Express app.

      Cell Phone Protection

      You’re eligible for up to $800 per claim in cell phone protection after a $50 deductible. Accidental damage and a stolen phone are eligible for compensation. 

      You can file up to two claims per year.

      Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

      Redeeming Membership Rewards

      American Express Platinum Card Travel Benefits

      Photo: pixabay

      You have several ways to redeem your Membership Rewards for travel and retail rewards.

      Book Award Travel Through AmexTravel.com

      One of the most valuable redemption options is booking award flights through AmexTravel.com as each point is worth 1 cent.

      One cent is the highest standard redemption value for Amex Membership Rewards.

      It’s also possible to book these award travel itineraries but the redemption value is usually lower:

      • Flight upgrades: 1 cent
      • Fine Hotels & Resorts: 1 cent
      • Hotel nights: 0.7 cents
      • Rental cars: 0.7 cents
      • Cruises: 0.7 cents
      • Vacation packages: 0.7 cents

      Airline and Hotel Point Transfers

      A potentially more valuable option is being able to transfer your Membership Rewards at a 1:1 ratio in 1,000-point increments to participating airline and hotel loyalty programs. In some cases, your points can be worth 2 cents per point or more.

      You might consider this option when your redemption value is higher than booking directly through Amex. An excellent example is international flights which usually have better redemption ratios than domestic itineraries.

      The Amex airline transfer partners are:

      • Aer Lingus 
      • AeroMexico (1,000 Membership Rewards equal 1,600 Premier Points)
      • Air Canada (Aeroplan)
      • Air France-KLM Flying Blue
      • ANA
      • Asia Miles
      • Avianca
      • British Airways
      • Delta Air Lines
      • Emirates
      • Etihad
      • Hawaiian Airlines
      • Iberia
      • JetBlue (250 Membership Rewards equal 200 TrueBlue points)
      • Qantas (500 Membership Rewards equal 500 Qantas points)
      • Singapore Airlines
      • Virgin Atlantic

      There are also three hotel transfer partners:

      Some of the transfer partners have a different transfer ratio. But, in most cases, 1,000 Membership Rewards are worth 1,000 miles in your linked loyalty account.

      Most point transfers are instant and free. Unfortunately, there is a $0.0006 federal excise tax when transferring points to domestic frequent flyer programs like Delta, JetBlue, and Hawaiian.

      Gift Cards

      Award flights are the most valuable redemption option as each point is worth at least one cent. Gift cards for select travel, restaurant, and retail brands are worth up to 1 cent.

      However, not every gift card redemption is worth 1 cent and the redemption values range from 0.5 cents to 1.0 cent.

      New York City Taxis

      Each point is worth 1 cent for NYC taxi rides.

      Pay with Points at Checkout

      You can redeem your points at participating merchants usually for 0.7 cents each.

      Participating brands include:

      • Amazon
      • Best Buy
      • Boxed
      • Dell.com
      • Grubhub
      • Newegg
      • PayPal
      • Rite Aid
      • Saks Fifth Avenue
      • Seamless
      • Staples

      It’s also possible to redeem your points through an online shopping mall at other retailers and at Ticketmaster. Your redemption value is only 0.5 cents for these two options.

      Cover Card Charges

      You can also redeem your points to offset card charges if you prefer cash statement credits. This redemption option is one of the least valuable as your points are only worth 0.6 cents.

      Fees

      Here is a summary of the most common Amex Platinum fees (see Rates & Fees):

      • Annual Fee: $695 (primary card)
      • Additional Card Annual Fee: $175 (for up to 3 additional cards then $175 per card for the 4th or more additional cards)
      • Foreign Transaction Fee: 0%
      • Pay Over Time Purchase APR: See Pay Over Time APR
      • Cash Advance APR: 28.24% variable
      • Late Payment: Up to $40

      The Amex Platinum Compared to Other Similar Cards

      You might prefer these other travel credit cards that offer a different suite of benefits and can have a friendlier annual fee.

      Chase Sapphire Reserve®:

      The Chase Sapphire Reserve – (Learn How to Apply Here) has several premium travel and dining benefits. Some of the best include:

      • $300 annual travel credit
      • Earn up to 10x Ultimate Rewards on purchases (after earning the $300 travel credit)
      • Points are worth 50% more on travel redemptions (1.5 cents each)
      • 1:1 point transfers
      • Priority Pass Select airport lounge access
      • Global Entry or TSA PreCheck application fee credit

      Some of the unique 1:1 transfer partners include United Airlines, Southwest Airlines, and IHG Rewards Club.

      This card also has a valuable set of complimentary travel insurance benefits.

      The annual fee is $550 for the primary card plus $75 per authorized user.

      See our complete Amex Platinum Card vs. Chase Sapphire Reserve comparison article.

      American Express® Gold Card:

      The Amex Gold Card – (Learn How to Apply Here) is a semi-premium card that also earns Membership Rewards. It’s best for dining and flights with benefits including:

      • 4x on dining at restaurants worldwide (plus takeout and delivery in the U.S.)
      • 4x at U.S. supermarkets (on the first $25,000 per year, then 1x)
      • 3x on flights booked directly from airlines or on Amex Travel
      • Up to $120 in annual Uber cash ($10 per month) for Uber Eats and rides in the U.S. Enrollment required.
      • Up to $120 per year ($10 in monthly) dining statement credits to select restaurants. Enrollment required.
      • Special on-site benefits at The Hotel Collection 
      • 1:1 point transfers

      Your point redemption options are similar to the Platinum Card but you get a different set of card benefits. In addition, the annual fee is only $250. (see Rates & Fees)

      See our complete Amex Gold Card vs. Amex Platinum Card comparison article.

      The Vacationer Tip

      The Amex Platinum Card and Amex Gold Card stack nicely. The Vacationer owners Phil Dengler and Eric Jones regularly use both cards to maximize their Membership Rewards point potential through a variety of categories.

      Capital One Venture X Rewards Credit Card:

      The Capital One Venture X Rewards – (Learn How to Apply Here) is one of the most affordable premium travel credit cards. Its annual fee is $395, free additional cards, and offers these travel benefits:

      • $300 back annually as statement credits for bookings through Capital One Travel
      • 10,000 miles anniversary bonus on each card renewal ($100 value)
      • Earn up to 10x miles on purchases
      • Priority Pass and Capital One Lounge complimentary benefits
      • Global Entry or TSA PreCheck application fee credit
      • Airline and hotel point transfers (most have a 1:1 transfer ratio)

      You can also get up to $800 in cell phone protection benefits.

      See our complete Capital One Venture X Card vs. Amex Platinum Card comparison article for more details.

      Chase Sapphire Preferred® Card:

      The Chase Sapphire Preferred – (Learn How to Apply Here) is one of the best alternatives to a premium credit card if your travel and buying habits don’t justify the high annual fee. This card has a $95 annual fee and additional cards are free.

      Featured benefits include:

      • Earn up to 5x Ultimate Rewards on purchases
      • Points are worth 25% more for award travel redemptions (1.25 cents each) 
      • 1:1 point transfers
      • Up to $50 in statement credits per year for hotel bookings through Chase
      • 10% of the points you earn each year as an anniversary bonus

      You can also gain peace of mind from the valuable travel insurance benefits, including a primary rental car collision damage waiver.

      Capital One Venture Rewards Credit Card:

      The Capital One Venture Rewards – (Learn How to Apply Here) can also be an affordable compromise if you want airport lounge access and some exciting travel perks.

      Benefits include:

      • 5x on Capital One Travel hotel and rental car bookings
      • 2x on all remaining purchases
      • Redeem points for travel statement credits
      • 1:1 point transfers
      • Global Entry or TSA PreCheck application fee credit
      • 2 free visits per year at Capital One Lounge

      Your points are worth 1 cent when you redeem them for just about any travel purchase within the last 90 days as a travel statement credit. You also earn 2x points instead of 1x points on non-bonus purchases which can make it easier to accumulate points.

      The annual fee is $95 for the primary card and $0 for additional cards.

      FAQ

      How does the Amex Platinum earn points?

      You earn 5x Membership Rewards on qualifying flights (up to $500,000 per year) and prepaid hotels through American Express Travel. Non-bonus purchases earn 1 point per $1.

      Which airlines are eligible for the $200 airline fee credit?

      The $200 airline fee credit can apply to one airline of your choice:

      Alaska Airlines
      American Airlines
      Delta Air Lines
      Frontier Airlines
      Hawaiian Airlines
      JetBlue Airways
      Spirit Airlines
      Southwest Airlines
      United Airlines

      You can select your airline each January and charge incidental fees.

      How do the Platinum Card Uber credits work?

      You receive a $15 credit January-November and $35 in December for Uber rides and Uber Eats purchases in the U.S.

      What are the American Express Global Lounge Collection networks?

      The participating networks are The Centurion Lounge, Priority Pass Select, Escape Lounges (Centurion Studio), Delta Sky Club, Airspace, Plaza Premium, Lufthansa, and International American Express.

      How does the $300 Equinox benefit work?

      You receive a monthly $25 statement credit for Equinox All Access, E for Equinox, or Equinox+ membership fees.

      How does the Saks Fifth Avenue statement credit work?

      Your first $50 statement credit is valid from January to June and the other $50 credit is in effect from July to December. You can redeem either credit at Saks Fifth Avenue or Saks.com. Enrollment required.

      What Platinum Card airport security benefits are available?

      You’re eligible for up to $100 in Global Entry or TSA PreCheck application fee credits every four years. The card also reimburses up to $189 per year in CLEAR® application fees.

      What are the Amex Platinum Card hotel benefits?

      The various hotel travel benefits include:

      – $200 back in statement credits each year for qualifying stays (2-night minimum) at Fine Hotels & Resorts or The Hotel Collection with American Express Travel
      – $100 experience credit for minimum 2-night stays at The Hotel Collection with American Express Travel-
      – On-site benefits at Fine Hotels & Resorts
      – Hilton Honors Gold status
      – Marriott Bonvoy Gold Elite status

      Does the Amex Platinum have travel insurance benefits?

      Yes, travel bookings are eligible for trip cancellation, trip delay, baggage insurance, and secondary car rental loss and damage coverage.

      How does the Platinum Card Walmart+ credit work?

      You can receive a statement credit to reimburse the Walmart+ monthly membership fee ($12.95 per month).

      How do you use the Amex Platinum entertainment credit?

      The annual $240 digital entertainment credit reimburses up to $20 in monthly purchases at Audible, Disney+, ESPN+, Hulu, Peacock, The New York Times, The Disney Bundle, and SiriusXM.

      What are the different Amex Platinum card designs?

      There are currently three different card designs available to new and existing cardholders: Classic Platinum, Platinum x Kehinde Wiley, and Platinum x Julie Mehretu. The latter two designs are from artists-in-residence at The Studio Museum in Harlem.

      What credit score do you need for the Amex Platinum?

      An excellent or good credit score of at least 700 can give you the best approval odds.

      The Vacationer’s Final Thoughts

      The Platinum Card from American Express is ideal for frequent flyers as it offers many air travel perks. Your points are also most valuable for award flights.

      If you don’t fly frequently, the luxury hotel benefits and lifestyle credits can also help you get value from this card. However, you must be comfortable redeeming your Membership Rewards for award flights to get the best redemption value.

      While this card offers an eye-popping amount of benefits that can be worth more than the $695 annual fee, you may consider another travel credit card that may do a better job at balancing card benefits with an annual fee that suits your travel frequency and budget. Business travelers can apply for The Business Platinum Card® from American Express – (Learn How to Apply Here).

      Do you think a premium travel-rewards card is right for you? See our personal picks of the best travel credit cards.

      Editorial Disclosure: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post.

      American Express Insurance Benefits Information:

      Baggage Insurance Plan – Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry- on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, 11/11/2021 AXP Internal 7 there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

      Cell Phone Protection – Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.

      Premium Global Assist Hotline – You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

      Josh Patoka The Vacationer Bio

      By Josh Patoka

      Josh Patoka writes about maximizing travel rewards for The Vacationer. As well, he contributes to several personal finance sites specializing in making money, paying off debt, and investing.