Amex Platinum Card vs. Capital One Venture Card [Detailed Comparison]

Key Takeaways

• The Platinum Card^® from American Express welcome offer is: Apply and find out if you're eligible for as high as 175,000 points after spending $8,000 in eligible purchases in the first 6 months. Welcome offers vary and you may not be eligible for an offer. The Capital One Venture Rewards Credit Card welcome offer is: Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel. Both are excellent.
• Upgraded Points values Amex Membership Rewards points at 2.2 cents each, higher than Capital One miles at 1.8 cents each, primarily due to Amex’s stronger airline and hotel transfer partners.
• The Amex Platinum card focuses on luxury travel perks, including worldwide airport lounge access and premium hotel benefits, but it has a higher annual fee (rates & fees) than the Capital One Venture card (rates & fees).

Are you in the market for a new travel rewards card? Have you come across both the Platinum Card^® from American Express and the Capital One Venture Rewards Credit Card in your own research? Can’t decide between high-end travel benefits and a solid rewards card with a low annual fee?

In this guide, we’ll show you the ins and outs of both cards to help you decide which one is best for your situation. There’s no one-size-fits-all answer, so we’ll dive deep into the rewards, redeeming points, travel benefits, shopping perks, and much more.

As you can probably imagine, the Amex Platinum card is geared more toward luxury travel benefits, while the Capital One Venture card is more suited for people who are averse to high annual fees but would still like a worthwhile rewards structure on their card.

Overview

Don’t have time to read through this entire article? We understand. Check out this table walking you through the summary of both cards head-to-head.

Welcome Offer

These welcome bonus offers are earned after meeting a minimum spending requirement within the first few months immediately after card approval.

In general, the Amex Platinum card usually has better welcome offers, but we’ve sometimes seen instances when the Capital One Venture card offers a more attractive welcome bonus.

Just remember that it behooves you to check if the welcome offer available is as high as possible when applying for your new card so you can strike while the iron is hot!

Amex Platinum Card

+ NEW BENEFITS

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

Capital One Venture Card

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Apply Now(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 28.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Rewards Points vs. Miles

Amex Membership Rewards points or Capital One miles? Although there isn’t a universal answer, let’s take a look at both point currencies to see what exactly we’re dealing with.

To start, we value Amex Membership Rewards points at 2.2 cents each and Capital One miles at 1.8 cents each.

The reason why we value Amex Membership Rewards points more than Capital One miles is the quality of Amex’s airline and hotel transfer partners compared to Capital One’s transfer partners. Currently, Amex has better high-quality transfer partners like ANA Mileage Club and Hilton Honors. Sure, these two programs share a lot of transfer partners, such as Air Canada Aeroplan and The British Airways Club, but the difference is in the niche programs.

You can consistently transfer Amex Membership Rewards points to Hilton Honors at a 1:2 ratio to book luxury hotels using points at a good value — it’s not easy to get good value at hotels through Capital One miles thanks to the poor transfer ratio of 1:1 with Choice Privileges and Wyndham Rewards.

One common theme is that you can use both Amex Membership Rewards points and Capital One miles for less valuable redemption value through cash-back, gift cards, statement credits, and Amazon.com purchases.

Earning Potential

When you max out the rewards on the Amex Platinum card, you’re looking at a return on spending of 11% — however, if you tend to spend more of your money on nontravel purchases, the Capital One Venture card earns 2x miles, which we value at a 3.6% return on spending. This is superior to the Amex Platinum card’s 1x points on other purchases, equal to a 2.2% return on spending.

We favor using the Amex Platinum card if you’re spending heavily on travel and the Capital One Venture card if you tend to make nontravel purchases.

Redemption Options

Redemption options for both cards appear to be very similar, with both Amex Membership Rewards points and Capital One miles.

However, the difference lies in the nuance. We can’t emphasize enough that the best way to use either of these rewards points and miles is to transfer them to airline and hotel partners and book luxury award travel, whether it’s for business class flights or 5-star hotels.

And the Amex Platinum card’s transfer partners are typically more valuable than the Capital One Venture card’s transfer partners, though they do share many identical transfer partners.

Statement Credits

When it comes to statement credits, there’s no better card than the Amex Platinum card. Just take a look at all of the complimentary perks you get:

• Up to $200 in airline fee credits every year
• Up to $600 in prepaid hotel credits (up to $300 semiannually) on eligible stays every year
• Up to $200 in Uber Cash every year
• Up to $209 in CLEAR^® Plus credits every year
• A Global Entry application fee credit every 4 years or a TSA PreCheck application fee credit every 4 1/2 years
• Up to $100 in Saks Fifth Avenue credits every year
• Up to $300 in digital entertainment credits every year
• Up to $300 in Equinox credit every year
• Up to $155 in Walmart+ credit every year
• Up to $300 in SoulCycle bike credit
• Up to $200 Oura Ring credit
• Up to $400 Resy credit (up to $100 quarterly)
• Up to $120 Uber One credit
• Up to $300 lululemon credit (up to $75 quarterly)

Note that some of the statement credits mentioned above require enrollment, so be sure to get the most out of your benefits through your American Express account.

The only major statement credit offered on the Capital One Venture card is the Global Entry or TSA PreCheck application fee credit.

Hot Tip:

To determine the true value of a card, you should subtract benefits with tangible value (like statement credits) from the annual fee of a card. After all, if a card has a $895 annual fee and offers you more than a thousand dollars worth of value every year, you’d come out ahead!

Hotel Program Elite Benefits

Amex Platinum Card

One of the absolute biggest selling points of the Amex Platinum card is the hotel benefits and elite status perks.

Let’s start off with hotel benefits. When you have the Amex Platinum card, you have access to Fine Hotels + Resorts, a series of high-end properties that offers these benefits on bookings made through Amex:

• Room upgrades
• Daily breakfast for 2 guests
• Early check-in and late checkout (when available)
• Complimentary Wi-Fi
• A unique property amenity (such as a spa, or food and beverage credit) worth a minimum of $100

In addition, you have access to The Hotel Collection, which offers these benefits on eligible stays of at least 2 nights:

• Up to $100 property credit
• Upgraded room (when available)

Furthermore, with the Amex Platinum card, you can get Hilton Honors Gold status, Leaders Club Sterling, and Marriott Bonvoy Gold Elite status upon enrollment, which is amazing!

Capital One Venture Card

Currently, the Capital One Venture card doesn’t offer any hotel elite status or benefit programs as the Amex Platinum card does.

Rental Car Program Benefits

The Amex Platinum card offers top-tier Executive status with National Emerald Club, top-tier Hertz Gold Plus Rewards President’s Circle status, and Avis Preferred Plus status. This is all complimentary to cardholders upon enrollment!

Airport Lounge Access

The Amex Platinum card clearly sets itself apart from the rest of the pack with its airport lounge access benefit. Cardholders can access the American Express Global Lounge Collection, which includes:

Bottom Line:

If airport lounge access is important to you, the Amex Platinum card is the way to go.

Travel Protection and Insurance

Car Rental Loss and Damage Insurance

The Amex Platinum card offers up to $75,000 in secondary rental car coverage, plus the ability to purchase primary rental car insurance for $12.25 to $24.95 per rental. To have coverage effective, you need to pay for your rental car reservation using your card and decline the rental car company’s loss damage waiver and collision damage waiver.

The Capital One Venture card’s MasterRental Insurance allows you to use your card to rent an eligible vehicle_, and you may be covered for physical damage and theft of the rental vehicle.

Trip Interruption and Cancellation Insurance

The Amex Platinum card offers some fantastic travel insurance to protect against trip cancellation and interruption.

In the event that certain prepaid, nonrefundable expenses are made for a trip that is canceled or interrupted for a covered reason, such as illness, death, or injury, you can get reimbursed for up to $10,000 per trip, with a maximum of $20,000 in total reimbursements every rolling 12 months.

The Capital One Venture card offers trip cancellation and interruption coverage. In the event the illness or death of the cardholder or an immediate family member results in the cancellation or interruption of a trip, you may be eligible for reimbursement up to $1,500

Trip Delay Reimbursement

Is your trip delayed? If you purchased your common carrier ticket (e.g., plane ticket) using your Amex Platinum card and your trip is delayed by more than 6 hours (or if it requires an overnight stay), you can get up to $500 per trip in trip delay reimbursement toward essentials (up to 2 approved claims every rolling 12 months).

Lost and Delayed Luggage Coverage

With the Amex Platinum card, lost luggage is eligible for up to $3,000 per person per trip, with a limit of $1,000 per person for all high-risk items.

For the Capital One Venture card’s lost or damaged luggage insurance, you may receive reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and lost or damaged personal property contained therein.

Roadside Dispatch and Master RoadAssist

Interestingly, the Amex Platinum card doesn’t offer roadside assistance, while the Capital One Venture card offers Master RoadAssist. Take advantage of 24-hour-a-day, toll-free assistance with services like towing, gas delivery, jump-starts, and tire changes. Note that you are responsible for any and all costs incurred.

Travel Assistance

The Amex Platinum card is one of the few cards that gets you access to the Premium Global Assist Hotline, which is how you, your spouse, and your dependent children under the age of 22 can get assistance while traveling 24/7/365.

This service is a referral service for the most part, which means you’re responsible for any incurred costs. Here are some of the benefits available:

• Emergency message service
• Emergency ticket replacement
• Emergency translation service
• Emergency transportation assistance
• Legal referral assistance
• Lost luggage locator service
• Medical referral assistance
• Pretrip assistance
• Prescription assistance and valuable document delivery

In addition, the Premium Global Assist Hotline offers you repatriation of mortal remains and emergency medical transportation and evacuation at no additional cost to you.

For the Capital One Venture card, travel assistance services are available 24/7 to help connect you with local emergency and assistance resources when you’re away from home.

Shopping Benefits and Protections

Earn Bonus Rewards or Cash-Back Through Amex Offers

The Amex Platinum card offers Amex Offers. Amex Offers are well-known in the industry for much better savings or bonus rewards.

Cell Phone Protection

Another amazing benefit of the Amex Platinum card is the cell phone protection coverage. When you pay for your monthly cellular bill using your Amex Platinum card, you can receive up to $800 per claim in reimbursements against eligible damage or theft incidents, with a $50 deductible per claim (to a maximum of 2 claims per rolling 12 months).

The Capital One Venture card doesn’t offer cell phone protection.

Purchase Protection

The Amex Platinum card has top-of-the-line purchase protection, covering you for eligible items that were damaged or stolen within 90 days of the purchase date. Get up to $10,000 in purchase protection per item and up to $50,000 per calendar year in total reimbursements.

Meanwhile, the Capital One Venture card offers purchase assurance allowing eligible purchases made with your card to be covered if damaged or stolen within the first 90 days of purchase.

Extended Warranty

When you have the Amex Platinum card and make a purchase on items with eligible original U.S. manufacturer’s warranties, you can get 1 additional year of extended warranty coverage on eligible warranties of 5 years or less.

No Preset Spending Limit

The Amex Platinum card is an ideal card for big spenders — and one of the ways it caters to big spenders is by offering no preset spending limit.

No preset spending limit doesn’t mean you can spend an unlimited amount of money but rather that your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend changes based on factors such as your purchase, payment, and credit history.

Annual Fees and Adding Additional Users

Annual Fees

The Amex Platinum card has an annual fee of $895, while the Capital One Venture card has a $95 annual fee (rates & fees).

Authorized Users and Additional Cardholders

With the Amex Platinum card, there are varying types of additional cardholders. If you add an additional card, you can elect to add them as Additional Platinum Cards or Companion Platinum Cards.

The rewards structure follows the primary Amex Platinum card’s structure and are the same regardless of which product you choose. However, the product you choose determines what types of benefits are conferred to the additional cardholder as well.

For example, you can add Additional Platinum Cards for $195 per card, which gets them access to the Global Lounge Collection, their own Global Entry or TSA PreCheck application fee credit, and several other perks.

Meanwhile, adding Companion Platinum Cards comes with no additional annual fee but limited benefits (rates & fees).

No Foreign Transaction Fees

There are no foreign transaction fees with either the Amex Platinum card or the Capital One Venture card (rates & fees).

Final Thoughts

You can’t go wrong with the Amex Platinum card or the Capital One Venture card. But if you’re looking more for luxury travel benefits and rewards, the Amex Platinum card probably suits you the best.

If you’re on the market for something premium but not too fancy, the Capital One Venture card might work for you, thanks to its streamlined rewards categories, unfussy benefits, and reasonable price tag.

Just remember to factor in the statement credits and other benefits into the overall equation before making a decision — you might end up getting more back from your card even if it has a higher annual fee.

That way you can justify paying the hefty annual fee to get access to luxury travel benefits from the Amex Platinum card.

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For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the baggage insurance plan benefit of the Platinum Card^® from American Express, 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, 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. 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.

For the car rental loss and damage insurance benefit of the Platinum Card^® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the cell phone protection benefit of the Platinum Card^® from American Express, 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. 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.

For the extended warranty benefit of the Platinum Card^® from American Express, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. 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.

For the premium global assist hotline benefit of the Platinum Card^® from American Express, 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. 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.

For the purchase protection benefit of the Platinum Card^® from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. 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.

For the trip cancellation and interruption insurance benefit of The Platinum Card^® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. 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.

For the trip delay insurance benefit of the Platinum Card^® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. 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.