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

Key Takeaways

• The Capital One Venture X Rewards Credit Card earns 2x miles on all purchases, plus 10x miles on hotels and rental cars and 5x miles on flights and vacation rentals booked through Capital One Travel.
• The Platinum Card^® from American Express earns 5x points on flights (up to $500,000 per year) and prepaid hotels booked through AmexTravel.com. It has travel benefits and statement credits.
• The Capital One Venture X card is the better choice if you have a lot of purchases outside of travel, while the Amex Platinum card offers more statement credits and premium travel perks.

In the world of premium travel rewards cards, the Platinum Card^® from American Express stands tall above the rest. If you’re a frequent traveler, you may already have the card or at least have considered applying for it.

The Amex Platinum card, while an exceptional travel rewards card, is not for everyone. And with the introduction of a new travel rewards card, Capital One throws its hat in the ring with an alternative.

The Capital One Venture X Rewards Credit Card offers key premium benefits a frequent traveler can certainly value, but is the card a true competitor to the Amex Platinum card?

We’ll find out today as we take a look at each card’s earning potential and the value of your rewards at redemption time. We’ll also talk about travel and shopping benefits that can save you money, elevate your travel experience, or provide protection when you need it.

Overview

Both the Capital One Venture X card and the Amex Platinum card could potentially add value to any frequent traveler’s lifestyle. Each card offers an impressive list of earning and redemption options, plus plenty of travel and shopping benefits.

In an effort to determine the overall value for your specific situation, however, it’s helpful to look at the overall attributes of each card in a side-by-side comparison.

Here’s how the cards stack up in all the key benefit areas:

Welcome Bonus Offer Valuation

Premium travel rewards cards generally offer an initial welcome bonus offer that allows you to earn a large number of rewards by meeting minimum spending requirements within a period immediately following your card approval. The Capital One Venture X card and the Amex Platinum card both offer this opportunity.

The Capital One Venture X card earns Capital One miles, which we currently value at approximately 1.8 cents each. The Amex Platinum card earns Membership Rewards points, which we value at 2.2 cents each.

Welcome bonus offers change, as do rewards valuations, so it’s important to review the current information before applying for any card.

Here are the present overviews of our featured cards with current welcome bonus information.

Capital One Venture X Card

Terms Apply / Rates & Fees

Capital One Venture X 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.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Apply Now(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

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

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

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.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

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

Rewards Center

Capital One Miles

 

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.

Bottom Line:

Both the Capital One Venture X card and Amex Platinum card offer welcome bonuses that can be worth thousands of dollars. Jump-start your earnings by meeting minimum spending requirements within the specified period that begins immediately after you are approved for the card. 

Miles vs. Rewards Points

The Capital One Venture X card and Amex Platinum card each earn distinctly different rewards currencies. Capital One miles, (not the same as frequent flyer miles) are earned on the Capital One Venture X card, and the Amex Platinum card earns Membership Rewards points.

Let’s look at the bonus categories for each card and how you earn rewards.

Earning Potential

You’ll find the greatest earnings on our featured cards are for travel purchased via the cards’ associated travel portals. For other purchases, the Capital One Venture X card has the edge, earning 2x miles per $1 spent (approximate total value of 3.6 cents) versus the Amex Platinum card at 1 point per $1 spent (approximate total value of 2.2 cents).

Bottom Line:

Both cards offer accelerated earnings on travel. The Capital One Venture X card and Amex Platinum card offer the greatest earning potential for travel purchases via each card’s associated travel portal, whether Capital One Travel or AmexTravel.com. 

Redemption Options

Once you’ve accumulated a stash of rewards, you’ll want to make wise choices at redemption time to receive the best value. As we learned previously, the best earning potential for both the Capital One Venture X card or the Amex Platinum card is in the travel category. The same holds true for receiving the best value when redeeming rewards — travel is your best redemption option.

Here are the choices you will have when it’s time to redeem your rewards.

Note that some redemption options, such as shopping with affiliated retailers, gift cards, and even some statement credit options, can result in a value of less than 1 cent per mile or point. These are not a good value for your rewards.

Bottom Line:

The best potential value redemption for rewards earned on either the Capital One Venture X card or Amex Platinum card is transferring to travel partners. 

Air Travel Advantages

Here are the air travel-related benefits on both the Capital One Venture X card and the Amex Platinum card:

• Global Entry or TSA PreCheck fee reimbursement: Pay for your application or renewal fee with your card and receive reimbursement up to $120 once every 4 or 4 1/2 years, depending on which program you apply for.
• Priority Pass Select membership: Both of our featured cards come with complimentary Priority Pass Select membership for the primary cardholders. Additional cardholders of the Platinum card also get this benefit. The Amex Priority Pass Select membership, which requires enrollment through your Amex account, does not include airport restaurant properties.
• Plaza Premium Lounges: The Amex Platinum card offers access for the cardholder to participating Plaza Premium Lounge locations.

In addition to the benefits above, each of our featured cards offers unique savings, statement credits, and perks.

Capital One Venture X Card

• Capital One Lounges: As the footprint of the Capital One Lounge network grows, you’ll get complimentary access at current and future properties.
• $300 travel credit: Receive $300 for travel purchased via Capital One Travel.

For more information, check out our guide to all of the Capital One Venture X card’s benefits.

Amex Platinum Card

• American Express Global Lounge Collection: Get access to over 1,550 properties, including Centurion Lounges, 10 visits a year to Delta Sky Clubs when flying Delta (plus the ability to unlock unlimited visits), and more.
• Up to $600 hotel credit: Get up to $300 back in statement credits each half of the year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through AmexTravel.com when you pay with your card. The Hotel Collection requires a minimum 2-night stay.
• Up to $200 airline incidentals statement credit: Receive up to $200 in statement credits for qualifying purchases made with your preselected airline.
• CLEAR Plus membership credit: Speed through security and have your CLEAR Plus membership fee reimbursed, up to $209 each year, when paying with your card.

Hotel Program Privileges

Capital One Venture X Card

• Visa Infinite luxury hotel benefits: Receive elite-style perks such as VIP guest status, an upgraded room (when available), daily breakfast for 2, on-site amenities, and late checkout (on availability). Use your card to book via the Visa Infinite Luxury Hotel Collection link in your online card account.

Amex Platinum Card

• Hotel program elite status: Enjoy room upgrades, late checkout, and the additional perks of Marriott Bonvoy Gold Elite, Leaders Club Sterling, and Hilton Honors Gold status. Enrollment is required.
• Additional elite-style hotel benefits: Book your prepaid stay with The Hotel Collection or Fine Hotel + Resorts via AmexTravel.com and receive room upgrades, breakfast, on-site amenities, and more during your stay. May be used in conjunction with the $200 hotel credit.

Car Rental Benefits

Both cards offer rental car collision damage waiver coverage.

The Capital One Venture X card comes with primary coverage.

The Amex Platinum card comes with secondary coverage with the option to purchase Premium Protection for a low price that covers the entire rental period.

Capital One Venture X Card

• Hertz car rental perks: Receive complimentary Hertz Gold Plus Rewards President’s Circle elite status.

Amex Platinum Card

• Receive upgrades, discounts, and priority services with Avis Preferred, Hertz Gold Plus Rewards, and National Car Rental Emerald Club.

Travel Protection Perks

You receive these valuable travel insurance benefits on both cards.

• Trip cancellation and trip interruption insurance: Receive up to $2,000 if your trip is canceled or interrupted for a covered reason on the Capital One Venture X card, and $10,000 per trip ($20,000 maximum per 12-month period) on the Amex Platinum card.
• Trip delay reimbursement: If your trip is delayed for more than 6 hours, or overnight, you could receive up to $500 reimbursement for covered expenses.
• Baggage insurance: Receive up to $3,000 for lost or damage baggage, per person on each covered trip. The Amex Platinum card limits checked baggage to $2,000.

Amex Platinum Card Only

• Emergency evacuation: Enjoy peace of mind knowing you have emergency evacuation and transportation coverage during your travels.

Check out our comprehensive guide to the full list of travel insurance benefits for the Amex Platinum card.

Bottom Line:

With so many travel benefits and protections found on both the Capital One Venture X card and the Amex Platinum card, the better card for you in this category is the one with the collection of benefits you will actually use and that will provide the most economic bottom-line value. 

Shopping Benefits and Protections

Purchases made with either the Capital One Venture X card or Amex Platinum card may be eligible for discounts, elevated earnings, or protection if something should go wrong with your purchase.

Let’s start with the benefits you’ll find on both of our featured cards:

• Cell phone protection: Pay your monthly bill with your card and receive up to $800 for damage or theft ($50 deductible), with a maximum of 2 claims per 12-month period.
• Purchase security and purchase protection: Purchase an eligible item and receive coverage for theft or damage for 90 days from the date of purchase. Coverage is limited to $10,000 per claim per item, $50,000 per account.
• Extended warranty: Eligible items purchased with the Capital One Venture X card that have a manufacturer’s warranty of 3 years or less have the warranty doubled, up to a maximum of 1 additional year. The Amex Platinum card extends an eligible item’s manufacturer’s warranty of 5 years or less by an additional year. Both cards have limits of $10,000 per claim and $50,000 per account.
• Return protection: If a merchant will not accept the return of an eligible item purchased with your card within 90 days of purchase, you could receive up to $300 per item, up to $1,000 per calendar year.

Each card offers its own unique shopping benefits.

Capital One Venture X Card

• Capital One Offers: Sign in to your account to see special discounts with select retailers.

Amex Platinum Card

• Amex Offers: Log in to your online card account and select from up to 100 offers that can save you money when shopping with select retailers or offer you additional bonus earnings when you make a qualifying purchase. Enrollment required.
• Up to $300 digital entertainment statement credit: Get up to $25 back each month on eligible purchases made with your card on one or more of the following: YouTube Premium, YouTube TV, Paramount+, Disney+, the Disney+ Bundle, ESPN+, Hulu, the New York Times, Peacock, and the Wall Street Journal. Enrollment is required.
• Up to $300 in Equinox credit: Get up to $300 back each year on eligible Equinox memberships when you pay with your card. Enrollment is required.
• Monthly Walmart+ credit: Add your card to your Walmart+ account as the default payment and receive up to $12.95 each month in credit for membership fees.
• Up to $100 in Saks Fifth Avenue credit: Receive a statement credit for up to $50 January through June, and another $50 July through December for your purchase at Saks Fifth Avenue. Enrollment required.
• Up to $300 in lululemon credit: Get up to $75 back per quarter on purchases upon enrollment.
• Up to $400 Resy credit: Get up to $100 back each quarter on eligible purchases upon enrollment.
• Up to $120 in Uber One credit: Get reimbursement for your membership fee.
• Up to $200 in Oura Ring credit: This applies to the purchase price only, not ongoing membership fees. Enrollment required.

Bottom Line:

Both the Capital One Venture X card and Amex Platinum card offer valuable protection for eligible items purchased with your card. The Amex Platinum card does have the edge in the shopping benefits category with the statement credits. 

Uber Cash Benefit (Amex Platinum Card)

Up to $200 in Uber Cash: Add your Amex Platinum card to your Uber account and receive VIP status plus $15 in Uber Cash deposited into that account each month from January through November. In December you receive $35, for a total of up to $200 each calendar year. Uber Cash can be used for rides or Uber Eats in the U.S.

An Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.

Fees and Authorized Users

While premium travel rewards cards offer a lot of usable benefits, most come with a high annual fee. It’s prudent to consider annual fees, as well as other fees when determining if a card provides bottom-line value.

Here’s how the Capital One Venture X card and Amex Platinum card compare when we look at fees and authorized users.

Annual Fees

The Capital One Venture X card charges an annual fee of $395 (rates & fees), while the Amex Platinum card charges an annual fee of $895.

Authorized Users

You can have additional Platinum cardholders to your Amex Platinum card for $195 per card.

Keep in mind that the primary cardholder is responsible for any charges made by authorized users.

Hot Tip:

Authorized users on the Amex Platinum card get their own Priority Pass Select membership.

No Foreign Transaction Fees

Never experience added fees when making purchases abroad using either of our featured cards. For the Amex Platinum card, see rates & fees; for the Capital One Venture X card, see rates & fees.

Final Thoughts

Capital One has made a triumphant leap by introducing the Capital One Venture X card to the travel rewards card market. In fact, those who will not fully utilize the massive list of benefits offered by the Amex Platinum card may find plenty of value with the Capital One Venture X card, especially with the lower annual fee.

The frequent traveler, however, will want to look closer and review the list of travel transfer partners associated with each card to determine if their preferred airline or hotel partner is an option.

If Centurion Lounge is your lounge brand of choice, you value midlevel hotel status, and you can utilize enough of the travel and shopping statement credits offered by the Amex Platinum card, it could also be a better option.

The bottom line is there’s not a bad choice to be made here, only one that may be a better fit.

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.

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

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 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 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 return protection benefit of the Platinum Card^® from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express^® Card. Purchases 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.

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 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.

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.