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24 Benefits & Perks of the Amex Platinum Card [$4,316+ Value]

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The Platinum Card® from American Express is arguably the most premium credit card on the market. It grants you access to over 1,400+ airport lounges worldwide, gives you loads of annual statement credits, and earns a whopping 5 points per dollar spent on flights! But on the flip side, the card has a fee that’s nothing to scoff at.

However, despite the large annual fee, the popular metal credit card still ranks at the top of our writers’ favorite cards. This is mainly because the card’s excellent benefits more than outweigh the card’s fee. The benefits aren’t given an exact value by American Express, so it may be hard to gauge if the card actually gives you more than the annual fee in value.

Fear not! We’ve done the hard work, reviewing all of the card’s benefits, researching their respective values, and assigning each benefit a price tag. Then, we added it all up and assigned the entire card a value, which we’ll reveal at the end of the article.

We’ve split the article into 2 parts: Amex Platinum card-specific benefits and more general benefits like American Express purchase protection and extended warranty.

Amex Platinum Card Benefits

Let’s start with the fun stuff first: Amex Platinum card-specific benefits. These include all of the awesome travel perks that are included with the card and is where the card’s real value is seen. Think of things like lounge access, hotel status, and more.

Here’s a quick summary:

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Note: some benefits require enrollment through your American Express account. Terms Apply.

*The bonus value of the welcome offer as well as the value of benefits are an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

1. A Huge Welcome Bonus Offer (First Year) — [$1,200 – $2,200]

Amex Platinum cards have historically offered amazing welcome bonus offers.

We value Membership Rewards points at 2.2 cents apiece. This means that your welcome bonus could be worth up to $2,200, covering your annual fee for over 3 years, if you take advantage of the 100,000-point welcome bonus.

See below for the current welcome bonus and our valuation:

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

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The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
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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
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, 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
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
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American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

2. Earning Rates — [$100+]

The Amex Platinum card earns a whopping 5 Membership Rewards points per dollar on flights booked directly with airlines or with AmexTravel.com (up to $500,000 per year) and 4 Membership Rewards points per dollar on prepaid hotels booked with AmexTravel.com.

If you purchase a $500 flight, you’ll earn 2,500 points. Based on our Membership Rewards valuation of 2.2 cents per point, you’d earn $55 in points back on your flight, for a total return of 11% back.

The value of this benefit solely depends on how much you spend on airfare every year. Those who travel frequently for work may get thousands of dollars worth of points from this benefit, while those that just spend a few hundred dollars a year on flights will see less value.

As a result, we’re giving the 5x points benefit a conservative $100 valuation.

3. American Express Fine Hotels and Resorts Access — [$150+]

American Express operates an in-house hotel program called Fine Hotels and Resorts. This program gives you special benefits when booking luxury hotel rooms around the world. These benefits are often Amex-exclusive or are similar to what you’d receive with top-tier hotel elite status.

You’re entitled to the following when booking hotels through Fine Hotels and Resorts:

  • Complimentary Wi-Fi
  • Daily breakfast for 2 people
  • Guaranteed 4 p.m. late checkout
  • Noon check-in (subject to availability)
  • Room upgrade upon arrival (subject to availability)
  • A unique property amenity valued at $100

Additionally, you’ll earn 5 Membership Rewards points per dollar spent when you book through Fine Hotels and Resorts. However, in most cases, you won’t be eligible to use your hotel elite status perks on these stays or earn hotel points, so be sure to compare your elite benefits side-by-side with this program.

The real value of this benefit depends on how often you book Fine Hotels and Resorts rooms, but even using it once will yield a value of at least $150 when you consider the welcome amenity, free breakfast, and possible room upgrades.

Hot Tip: Wondering how the Amex Platinum card stacks up against The Business Platinum Card® from American Express? Look at our head-to-head comparison: Amex Business Platinum vs. the Amex Platinum

4. Airline Incidental Fee Credit — [$200]

Amex Platinum card includes a $200 airline incidental fee credit towards fees incurred on an airline of your choice. This can be things like seat selection fees, lounge passes, and checked bag fees — but there are some other interesting uses, too.

Just select an airline on your card’s Benefits page and charge the eligible purchase to your Amex Platinum card. Then, the charge will be credited back to your card in 4 weeks.

Because of the wide array of ways that you can use this fee credit, most frequent travelers shouldn’t have an issue spending it down. Because of this, we value the benefit at its face value of $200 for most travelers.

5. Prepaid Hotel Credit — [$200]

Amex Platinum cardholders will receive up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which require a minimum two-night stay, through AmexTravel.com when you pay with your card.

Bookings through The Hotel Collection receive premium benefits on stays of at least 2 nights at select properties across the globe.  When booking through Fine Hotels & Resorts, you’ll receive elite benefits and perks at over 1,000 luxury hotels worldwide, but with no minimum stay requirement.

Your reservation must be paid for with an American Express card, and the cardholder must travel on the booked itinerary to receive the stated benefits.

6. Saks Fifth Avenue Credit — [$100]

American Express also includes a $100 annual Saks Fifth Avenue credit. $50 of this credit can be used January to June, and the other $50 can be used during the second half of the year.

Once you enroll in the benefit on the Benefits section of your Amex Platinum card’s page on the American Express website, you can simply charge a Saks purchase to your Amex Platinum card and you’ll be credited up to $50 back on your purchase.

Hot Tip: Use an airline or bank shopping portal (even Rakuten!) to earn extra points on your Saks Fifth Avenue purchases.

Like the airline incidental fee credit, we value this benefit at face value ($100). Saks Fifth Avenue sells a range of clothing and home goods, so you’d be hard-pressed to not find something that you’ll already purchase on its online store. It can also be helpful when purchasing holiday and birthday gifts.

7. Uber Cash Credit — [$200]

Continuing down the line of credits, the Amex Platinum card includes up to $200 of annual Uber credit to all of its cardholders. These credits are dispersed at a rate of up to $15 per month, with up to $35 in credit being issued in December. This is added directly to your Uber account in the form of Uber Cash after you’ve linked your Amex Platinum card to your Uber account as a payment method.

You can use your monthly Uber credit towards any type of Uber ride or towards Uber Eats meal delivery. Because of this, we also value this benefit at its face value of $200. Uber is available in every major U.S. city, so you’ll be able to use it as you travel for a discounted ride to your hotel, the airport, or home from a long trip.

8. Equinox+ Credits — [$300]

Cardholders will receive an annual statement credit of up to $300 on a digital subscription or club member at Equinox. Make sure you use your card to pay for your Equinox+ digital subscription or club membership fees and enroll via https://platinum.equinox.com/.

9. Digital Entertainment Credits — [$240]

If you love to watch TV, listen to audiobooks or satellite radio, or read online, your purchases may now be eligible for a new statement credit!

Your eligible purchase or subscription to Disney+, The Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal could have you earn up to $240 in annual statement credits ($20 per month). Similar to the Equinox credits, make sure you enroll so this benefit is active and you must use your card to pay for your subscription for the credit to be applied.

10. TSA PreCheck or Global Entry Application Fee Credit — [Up to $100]

Like many premium credit cards, the Amex Platinum card comes with up to $100 statement credit for Global Entry application fees every 4 years or up to $85 for TSA PreCheck application fees every 4.5 years. Simply charge your application fee to your Amex Platinum card and it will be automatically reimbursed in the form of a statement credit to your account.

Note that For TSA PreCheck, you must apply through any TSA PreCheck official enrollment provider.

For Global Entry, we value this as worth $100 over 4 years (or $20 in yearly value). If you go the TSA PreCheck route, we value this as worth $85 over 4.5 years (or $18 in yearly value)

Hot Tip: We highly recommend applying for Global Entry over TSA PreCheck — this is because if you’re approved for Global Entry, you’ll receive access to TSA PreCheck at no additional charge.

11. Annual CLEAR Plus® Credit — [Up to $189]

CLEAR is an expedited security program available at select U.S. airports and stadiums. Amex Platinum cardholders now receive an annual statement credit for a CLEAR Plus membership when the membership is charged to your card.

12. SoulCycle Bike Credit — [$300+]

Those who hold the Amex Platinum card can score a $300 statement credit after you use your crd to purchase a SoulCycle at-home bike. Note that the credit is only available to full-cost purchases of a bike and not a financed purchase of a bike and that an Equinox+ membership is required to purchase a SoulCycle bike and to access SoulCycle content.

13. Walmart+ Credits — [Up to $155]

Use your card to pay for a monthly Walmart+ membership and receive up to $12.95 plus applicable taxes on one membership each month. You Walmart+ member comes with a number of benefits, including discounted gas and free shipping.

14. Annual Marriott and Hilton Status — [$200+]

The St. Regis Maldives Vommuli Resort
You’ll receive complimentary Hilton and Marriott status with your Amex Platinum card. The St. Regis Maldives Vommuli Resort. Image Credit: Marriott

You get 2 mid-tier hotel statuses with your Amex Platinum card: Hilton Honors Gold and Marriott Bonvoy Gold Elite upon enrollment. Both of these statuses include premier benefits like upgrade eligibility and bonus points — here’s a look at exactly what both of these hotel statuses include:

Hilton Honors Gold Benefits

  • 80% points bonus
  • Room upgrades (subject to availability)
  • Continental breakfast at most full-service properties

Marriott Bonvoy Gold Elite Benefits

  • 25% points bonus
  • Welcome gift at check-in
  • Room upgrades (subject to availability)
  • Complimentary in-room internet, even when not booking directly with Marriott
  • Priority 2 p.m. late checkout

These benefits can make a real difference when you stay at Hilton and Marriott properties, especially if you’re lucky enough to score a room upgrade. It also removes the stress of you having to meet stay requirements to gain status, so you can spread your loyalty between Hilton and Marriott and not lose any status perks.

We value this Amex Platinum card benefit at $200 for moderate use. However, if you stay at Hilton or Marriott properties more than a few times per year, you’ll see even more benefit from these status perks.

15. Rental Car Status (Avis, Hertz, National) — [$200+]

Car on Road
Amex Platinum card comes with a variety of rental car benefits like upgrades, discounts, extended grace periods, and more. Image Credit: Alex Mares via Unsplash

Amex Platinum cardholders are entitled to rental car benefits with Avis, Hertz, and National. Avis and Hertz offer special perks and pricing, while National will give you full-blown status with your membership. We’ve outlined each of these benefits below and broken down its value.

National Emerald Club Executive Status

  • Executive Area Access — You can choose any car class (full-size and above) and only pay the mid-size rate.
  • Guaranteed Upgrades — You’re guaranteed upgrades on mid-sized vehicle rentals in the U.S. and Canada.
  • No Second Driver Fees — Add a second driver for no additional charge.
  • Upgrades in Europe — Free 1-class upgrades at participating National locations in the U.K., Ireland, France, Spain, and Germany.
  • Special Pricing on Premier Selection Cars — Special pricing on upgrades to the Premier Selection cars at the rental lot.
  • Faster Free Rentals — Earn a free rental credit after 6 car rentals.

Avis Preferred American Express Benefits

  • Complimentary 1-Car Class Upgrade — Use coupon code #UUNA007 when making a reservation and you’ll receive a 1-class upgrade when available. Unfortunately, though, this is not a guaranteed benefit.
  • 25% Off Base Rates — Book directly with Avis and use Avis Worldwide Discount (AWD) code #756900 for the discount.

Hertz President’s Circle Status

  • 20% Off Standard Rates — You must use code 633306 to take advantage of this discount and other benefits.
  • 25% off Premier Rentals When a Saturday Night Is Included — Available for U.S., Canada, and European Hertz Premier rentals.
  • 4-Hour Grace No-Charge Period — You can return a rental up to 4 hours late with no penalty in most countries; select countries — like UAE and China — offer a 2 hour grace period.
  • 1-Car Class Upgrade — This benefit is based on availability, but it’s not guaranteed.

These benefits can be extremely valuable if you frequently rent cars when you travel. To us, the most valuable is the National Emerald Club Executive status perk as it lets you rent any car on the lot for the price of a standard vehicle. This can be a life (and wallet) saver if you need to rent a mini-van, pickup truck, or another more premium vehicle for a specific use.

All in all, we value these rental car perks at $200. You may be able to reap this value in a single rental, too, especially when you consider the fact that you get more than 20% off standard rental rates at Avis and Hertz.

16. Worldwide Airport Lounge Access

Airport lounge access is one of the main selling points of the Amex Platinum card. Cardholders have access to 8 different types of airport lounges including:

However, each of these lounges has different rules around entry which affects how we value said lounge access. We’ve outlined each of these access rules as well as some general info about each of these lounges below and assigned a value to each type of lounge.

It’s nearly impossible to put a dollar value on this benefit since your usage will be based on travel frequency, lounge access on routes, and what you food/drink options add value to you. Obviously, you’ll get more value out of Delta Sky Clubs if you fly Delta frequently, but you may get little-to-no value if you only fly the airline once a year. With this in mind, you may want to assign your own subjective value to each lounge network.

The Centurion Lounge Network

Amex Centurion Lounge
The Centurion Lounge goes above and beyond with full meals, high-end cocktails, and more. Image Credit: American Express

American Express has added Centurion Lounges to a variety of airports around the world, with a strong focus on the U.S. These lounges are meant to be a step above offerings from domestic airlines, offering chef-curated food, high-end cocktails, and posh furniture and aesthetics. You’ll find locations for these lounges both domestic and abroad.

Each of these lounges curates its food and drink offerings around the city it’s located in. For example, you might find local craft beers at the bar and a dish that the town is known for (think BBQ in Dallas) in the kitchen. This gives each Centurion Lounge a unique feel, so you’ll undoubtedly want to see them all.

You’re required to present your Amex Platinum card, government-issued ID, and valid boarding pass when entering a Centurion Lounge. You can arrive at the lounge up to 3 hours before your flight is scheduled to depart, or whenever you’d like if you’re on a layover.

Many U.S. hubs already have Centurion Lounges, and more are in the process of being built, so you’ll have many opportunities to check them out during your travels. Plus, if you have a Centurion Lounge at your home airport, you may value this perk even more highly.

Delta Sky Club

Amex Platinum cardholders can access all Delta Sky Club locations when flying on a Delta-operated flight. There are more than 50 Sky Club locations worldwide, with international locations in Santiago (SCL) and Tokyo-Narita (NRT). At this time, cardholders cannot bring guests into the lounge for free; all guests are charged at a rate of $29 per person.

Hot Tip: Often fly with the same guest? Make them an authorized user on your Amex Platinum card — they can use the authorized user card to access the Delta Sky Club for free, too.

Each of these lounges offers complimentary food, beverages, alcohol, and Wi-Fi. Some even have showers, rooftop lounges, and premium drinks for purchase. These are great places to catch up on work before a long flight or grab a snack before you jet off to a meeting or vacation.

The value of this benefit largely depends on how often you fly Delta Air Lines. However, frequent Delta flyers will get lots of value from this perk — especially if flying solo for business.

Escape Lounges – The Centurion Studio Partner

Escape Lounges – The Centurion Studio Partner can be found in a variety of airports in the U.S. and U.K.

Amex Platinum cardholders receive unlimited access to all U.S. locations, which are generally found in smaller airports like Oakland (OAK), Columbus (CMH), Ontario (ONT), and Providence (PVD). These lounges are pretty standard and offer free snacks, drinks, and alcoholic beverages.

Hot Tip: Amex Platinum cardholders can bring up to 2 guests with them to Escape Lounges. Consider using the Escape Lounge as an alternative to Delta Sky Clubs at Minneapolis (MSP) when traveling with a companion to avoid the $29 Sky Club companion fee.

Note that you’ll need your Amex Platinum card, boarding pass for any carrier, and a government-issued ID to access Escape Lounges in the U.S.

Plaza Premium Lounges

Plaza Premium Lounges is a Hong Kong-based lounge network with dozens of worldwide locations. These lounges are similar to the Centurion Lounges in that they have upgraded food and drink offerings, but stop short of having chef-curated food. However, these lounges are still an excellent place to stop before a long flight and grab a snack or full meal.

You can access any Plaza Premium Lounge with a boarding pass and your Amex Platinum card. Plus, you can bring up to 1 guest with you, letting you share the pre-departure experience with a friend or family member.

Priority Pass Select

Priority Pass is the world’s largest airport lounge network with over 1,400 lounges in operation worldwide. This vast network of lounges has locations in the U.S. and abroad, with lounges in some of America’s busiest airports like Atlanta (ATL), Los Angeles (LAX), and New York (JFK).

Amex Platinum cardholders have unlimited access to all of these lounges and can bring 1 guest with them at any time. Like accessing American Express’ in-house lounges, you don’t need to fly a specific airline to access these lounges, but you do need a same-day boarding pass.

Note that you need to manually enroll in Priority Pass Select before you can access these lounges. You can do this on the Benefits page of your Amex Platinum card’s page on the American Express website. You’ll be mailed a Priority Pass card after enrollment.

When traveling abroad, you’ll find Priority Pass lounges at most airports, so you’ll almost always have a nice place to relax before a long flight.

Note: The Amex Platinum card’s Priority Pass memberships no longer include Priority Pass restaurant access (“non-lounge airport experiences”).

Lufthansa Lounges

Amex Platinum cardholders receive complimentary access to select Lufthansa Business Class lounges. If the cardholder is flying business class, they’ll have access to the more premium Lufthansa Senator Lounges.

Like Sky Club access, you can only access these lounges if you’re flying on a Lufthansa group flight. This includes flights on Austrian Airlines, Lufthansa, and SWISS.

Virgin Clubhouses

Cardholders receive complimentary access to Virgin Clubhouses in New York (JFK) and Washington, D.C. (IAD).

JFK’s Clubhouse is only open/accessible to eligible Amex cardholders from 5 a.m. to 8 a.m. daily.

17. Access the International Airline Program

Amex Platinum cardholders can access American Express’ International Airline Program. This little-known program lets cardholders access special discount fares when booking international premium economy, business, and first class tickets on select carriers through AmexTravel.com.

Booking With The International Airline Program
The International Airline Program can save you serious money on premium tickets. Image Credit: American Express

The discount you’ll receive depends on the type of ticket you book. For our example search, we looked for a round-trip premium economy ticket from New York (JFK) to Madrid (MAD).

The non-stop option on Iberia costs $1,903 when booked through Google Flights, or just $857 when booked through the International Airline Program. This means the program saves Amex Platinum cardholders nearly 55% on their ticket, which is an absolutely incredible deal.

This is the most extreme example we were able to find though. We also looked for tickets from Newark (EWR) to London (LHR) in business class on the same dates. A nonstop flight on British Airways cost $5,215, while the International Airline Program had tickets for $4,227. This resulted in an $898 (17.5%) discount on the trip, which is still a very good deal.

The International Airline Program currently partners with the following airlines:

  • AeroMexico
  • Aer Lingus
  • Air China
  • Air Europa
  • Air France
  • Air New Zealand
  • All Nippon Airways
  • Asiana Airlines
  • Austrian Airlines
  • Brussels Airlines
  • Cathay Pacific
  • China Airlines
  • Delta Air Lines
  • Emirates
  • Etihad Airways
  • Finnair
  • Japan Airlines
  • KLM Royal Dutch Airlines
  • LATAM
  • Lufthansa
  • Qantas
  • Qatar Airways
  • Royal Air Maroc
  • Singapore Airlines
  • SWISS
  • Virgin Atlantic

The value of the International Airline Program benefit really boils down to how often you use it. If you frequently pay for premium tickets, then you could get thousands of dollars in value per year.

However, if you never pay for premium airfare, you’ll get no value. So with that in mind, we’ll leave it up to you to assign your own value to this benefit.

18. Global Dining Access by Resy

Add your card to your Resy profile to unlock access to special dining experinces (like access to premium events), exclusive reservations at top restaurants across the globe, and access to benefits like priority notify and VIP status.

Amex Platinum Card Purchase Benefits

Beyond travel benefits, holding an Amex Platinum card entitles you to an array of purchase and travel protection benefits. All of the benefits we’ve outlined below apply to all of the purchases you make on your Amex Platinum card (unless specifically excluded in the terms and conditions).

Here’s a look:

19. Extended Warranty

All purchases you make with your Amex Platinum card are eligible for an extended warranty from American Express. If the product you purchase has a standard warranty of 5 years or less, American Express will add a year of coverage on top of the standard warranty.

This warranty will cover up to $10,000 per item with a maximum of $50,000 in claims annually. This benefit can be extremely beneficial for big-ticket purchases like computers and TVs, so make sure that you charge these items to your Amex Platinum card to protect your purchase.

20. Return Protection

All purchases made in the U.S. or U.S. territories with your Amex Platinum card are eligible for return within 90 days of purchase. If the store you make a purchase from won’t accept your return, American Express will cover up to $300 per item for a total of $1,000 in reimbursements per calendar year (excluding shipping and handling charges).

21. Purchase Protection

We’ve all done it: you bought a new cell phone and dropped it 2 weeks after you took it out of the box. Now, you’re liable for a $250 replacement screen. That is, if you didn’t charge the purchase to your Amex Platinum card.

The Amex Platinum card protects eligible purchases from theft and accidental damage for 90 days from your original purchase date. This covers up to $10,000 per incident and up to $50,000 per calendar year, so it’s perfect for portable electronics, music equipment, and sporting goods.

22. Amex Car Rental Loss and Damage Insurance

American Express provides secondary rental car insurance on all rentals charged to your Amex Platinum card. Eligible rentals are covered for theft and damage up to $75,000 without increasing the cost of your car rental — just make sure to decline the damage waiver from the rental car company.

However — unlike the Chase Sapphire Preferred® Card that provides primary insurance — this card only provides secondary coverage, which means it kicks in after your own insurance. This means that you’ll still have to pay your deductible, so consider using another credit card that offers primary insurance for your rentals instead.

23. Cell Phone Protection

Amex Platinum cardholders receive coverage for a stolen or damaged eligible cellular wireless telephone. 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. Each claim has a $50 deductible and your monthly phone bill mut be paid with your Amex Platinum card to receive coverage.

Final Thoughts

While it’s no secret that the Amex Platinum card isn’t for everybody, we do think it’s worth it for those that travel with moderate frequency. If you utilize the benefits, we believe that you’ll be able to get over $4,389 in value out of the card. And if you consider the welcome bonus, you’ll come out even further ahead of the fee during your first year.

Sold on the Amex Platinum card? We’ve covered the requirements necessary to apply for the card, and then you can check out our full article on what to do when you first receive your Amex Platinum card. This guide will show you how to properly utilize all of the benefits included with your card, ensuring that you’re not missing any vital steps.

For the Annual Clear Plus membership benefit of The Platinum Card® from American Express, your Clear Plus membership is auto-renewing or subject to auto-renewal.

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 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 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 rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

How many airport lounges can I access with the Amex Platinum card?

The Amex Platinum card is perhaps the best card for airport lounge access. You can get into 1,300+ lounges worldwide with this card including Priority Pass lounges, Amex Centurion Lounges, and more.

How many Uber credits do I get with the Amex Platinum card?

Cardmembers will receive $15 per month of Uber credits and $35 in December. Credits do not rollover so you want to be sure to use them all up each month!

How many points does the Amex Platinum card earn on purchases?

The Amex Platinum card earns points at the following rates:

  • 5 points per dollar on airfare purchased directly from the airline
  • 5 points per dollar on prepaid hotels and flights booked on AmexTravel.com
  • 1 point per dollar on all other purchases

What is the annual fee of the Amex Platinum card?

$695

Can I transfer Membership Rewards points to different airlines?

Yes, points you earn on the Amex Platinum card can be transferred to many different Amex transfer partners. Alternatively, you can also use your Membership Rewards Points at a fixed redemption rate to purchase flights on any airline through AmexTravel.com.

Do Amex Platinum card additional card members get lounge access?

Yes! Additional card members receive all of the lounge benefits as the primary cardholder.

For a full look at authorized user benefits, check out our complete guide to Amex Platinum card authorized users.

How much do Amex Platinum card authorized users cost?

Adding authorized users to your Amex Platinum card costs $195 per card.

Can I upgrade the American Express® Gold Card to the Amex Platinum Card?

Yes, you can. See our post on how to upgrade the Amex Gold to the Amex Platinum for more details.

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About Andrew Kunesh

Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City.

He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt. Andrew formerly worked for The Points Guy and is now Senior Money Editor at CNN Underscored.

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