Amex Platinum Card: How To Use the Annual $300 Equinox Credit [2026]

In addition to popular travel perks, the Platinum Card^® from American Express offers lifestyle benefits, including up to $300 in statement credits for select Equinox memberships upon enrollment.

This guide covers how the credit works, what it applies to, how to enroll so it triggers correctly, and what to do if you don’t have an Equinox location near you.

Quick Overview: Amex Platinum Equinox Credit

Equinox Fitness Club has over 100 clubs across the U.S., Canada, and the U.K. These high-end gyms offer luxurious in-club amenities, personal trainers, and popular group classes. Monthly memberships range from $200 to $500, excluding initiation fees.

Amex Platinum cardholders can receive up to $300 in statement credits per calendar year when they use their card for an Equinox+ digital subscription or an Equinox club membership. This credit covers the annual Equinox+ membership and the Equinox+ digital app. Cardholders can also use their credit toward a single purchase of a SoulCycle At-Home Bike online at www.equinoxplus.com/amexbikebenefit. (Source: American Express).

How Does the Amex Equinox Credit Work?

What Is Eligible for the Amex Equinox Credit?

The credit applies to a narrow set of Equinox purchases. Charges must be made using the Amex Platinum card after enrolling in the $300 Equinox credit in your American Express account via platinum.equinox.com and paying with the Amex Platinum card (Source: American Express). Subscribing through the Equinox app or directly on equinox.com will not trigger the credit.

Spa services, personal training, and day passes will not trigger the credit.

Equinox All Access

With multiple Equinox locations in major cities and across the country, an Equinox All-Access membership is good for someone who likes to check out different gyms in their hometown or while on the road.

Rates vary by location, but in Boston, for example, an All-Access membership currently starts at $350 per month with a 12-month commitment, providing access to more than 100 clubs across the U.S.

Destination

If you find yourself visiting Equinox clubs outside the U.S., the Equinox Destination membership might be a better fit. In addition to what is included with the All-Access membership, Destination members have exclusive access to all Equinox Fitness, Destination, and Sports Club gyms worldwide. E Clubs are not included (yes, there are different levels of Equinox clubs).

Rates vary by location, but in New York, a Destination membership currently costs $430 per month with a 12-month commitment for access to almost all clubs worldwide.

E by Equinox

In addition to what you will find in the other memberships, E by Equinox members have access to exclusive E Clubs in London and New York City, as well as Training Studios in New York, Connecticut, and San Francisco. These clubs offer a bespoke service, elite personal training sessions, and exclusive amenities in a stunning, intimate setting.

While rates are by request only, we’ve seen New York City members pay $550 per month with a 12-month commitment.

Equinox+

If there are no Equinox locations near you, the Equinox+ health and fitness app is another option.

Similar to Peloton, this app offers more than 1,000 hours of live and on-demand fitness classes and programs from partners like SoulCycle, Pure Yoga, and TB12.

Subscriptions cost $39.99 per month and can be canceled at any time. However, Amex Platinum cardmembers receive an exclusive discount that lowers the membership fee to $300 per year (Source: American Express).

Securing the Amex Platinum Card

If you can take advantage of all of the perks and credits, the card can be very much worth having, especially with the current welcome bonus offer.

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Platinum Card^® from American Express

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

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Platinum Card^® from American Express

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

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 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.

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

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

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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, the Platinum Card^® from American Express is a top choice.

The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.

Pros & Cons

Pros

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

Cons

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

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Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 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.
• 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 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
• $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.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $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.
• $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card^® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card^® to your Resy profile to book your reservation.
• $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your 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, when available, and guaranteed 4PM late check-out.
• $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: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card^®. *Up to $12.95 plus applicable taxes on one membership fee.
• 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

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• Foreign Transaction Fees: None

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Final Thoughts

The Amex Platinum Card comes with up to $300 in statement credits for certain Equinox memberships. Though the credit is limited to a narrow list of eligible purchases, it’s easy to use in full if you sign up for an Equinox membership or take advantage of the discounted Equinox+ fitness app. Just make sure you activate the benefit and sign up through the official links to trigger the credit.