Amex Platinum Card vs. Citi Strata Elite Card [Detailed Comparison]

Key Takeaways

• The Platinum Card^® from American Express and Citi Strata Elite℠ Card offer peak earnings through their respective travel portals, with the Citi Strata Elite card earning higher rates on flights, hotels, car rentals, and attractions booked through Citi Travel.
• The Amex Platinum card offers broader worldwide lounge access, including Centurion Lounge and Delta Sky Club. In contrast, the Citi Strata Elite card provides Priority Pass Select membership and passes for access to the American Airlines Admirals Club.
• Both cards offer statement credits for select purchases.

We seldom see new travel rewards cards introduced that are worthy of challenging the Amex Platinum card. An exception is the Citi Strata Elite card, which has appeared on the scene and beckons for our attention.

With a similar earning structure, flexible redemption options, hundreds of dollars in potential statement credits, and travel and shopping protections and benefits, the Citi Strata Elite card is the perfect card to match up against the Amex Platinum card.

In our premium travel rewards card showdown, we’ll examine the attributes of both cards to provide you with sufficient information to decide which is a better fit. Here’s how the Amex Platinum card and Citi Strata Elite card compare.

Overview

Before we examine the Amex Platinum card and Citi Strata Elite card more closely, it can be helpful to glance at an overall, side-by-side comparison.

Here is how our featured cards stack up in key features and benefits.

Comparing Welcome Offers

Once approved for either the Amex Platinum card or Citi Strata Elite card, you have the opportunity to earn a welcome bonus offer after meeting minimum spending requirements within a specified period. The welcome offers can be generous, providing an opportunity to earn a large number of rewards quickly.

Here are the most current offers and more information for our featured cards:

NEW OFFER

Terms Apply / Rates & Fees

The 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.

The 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

$695

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 cardapplication.

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 1,400 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

• $695 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.
• 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 through American Express Travel using 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.
• Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club^® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
• A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card^® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
• $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^® 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.
• $200 Uber Cash: Platinum Card^® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
• $199 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. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card^®.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, 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.
• Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card^® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

Citi Strata Elite℠ 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 Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Citi Strata Elite℠ Card

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Welcome Offer

Earn 80,000 bonus ThankYou Points after spending $4,000 within the first 3 months of account opening.

80,000 points

UP's Offer Valuation*:

Up to $1,280

Annual Fee

$595

APR

21.24% to 29.24% Variable

Why We Like This Card

The Citi Strata Elite card is a great option for frequent travelers, foodies, and those who are fans of the Citi ThankYou Rewards ecosystem thanks to its combination of bonus categories, perks, and annual credits.

Pros & Cons

Pros

• 12x points on hotels, rental cars, and attractions booked through Citi Travel
• 6x points on airfare through Citi Travel
• 6x points on dining on Citi Nights (Friday and Saturday nights from 6 p.m. to 6 a.m.) and 3x points on dining at all other times

Cons

• $595 annual fee
• Boosted dining rewards are limited to 2 nights per week

Read Full Review

Card Highlights

• Earn 80,000 bonus ThankYou Points after spending $4,000 within the first 3 months of account opening
• 12x points on hotels, car rentals, and attractions booked on cititravel.com
• 6x points on air travel booked on cititravel.com
• 6x points at restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. ET, and 3x points any other time
• 1.5x points on all other purchases
• Global Entry or TSA PreCheck credit
• Up to $300 annual hotel benefit
• Up to $200 annual splurge credit
• Up to $200 annual Blacklane credit
• 4 American Airlines Admirals Club passes every calendar year
• Transfer Citi ThankYou Points to partners like American Airlines
• Complimentary Priority Pass membership
• No foreign transaction fees

Financial Snapshot

• APR: 21.24% to 29.24% Variable
• Foreign Transaction Fees: None

Earning Potential

One of the key reasons to select a travel rewards card is its earning power. The Amex Platinum card and Citi Strata Elite card have base earnings on every purchase plus bonus category earnings to help you accumulate reward points faster.

Here’s how you earn rewards on each of our featured cards:

Both cards offer strong earnings when you book travel through the cards’ travel portals. The Amex Platinum card also earns well on flights booked directly with the airline, while the Citi Strata Elite card earns 1.5x points for any travel booked outside of Citi Travel.

The Citi Strata Elite card is your weekend go-to for dining purchases. The card has the edge over the Amex Platinum card (1x points on dining), with 6x points earned at restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. Eastern time, and 3x points at all other times. If you can remember to use your card for dining every Friday and Saturday night, you’d earn the most rewards.

When you have frequent spending on expenses outside of bonus categories, such as tuition, medical bills, daily purchases like groceries and gas, or home repairs, you earn more with the Citi Strata Elite card. You earn more because the card offers 1.5 points per $1 spent on all purchases, compared to the Amex Platinum card, which earns 1 point per $1 spent.

However, earning rewards is just a single consideration for a card. The value you receive at redemption time can be of even greater importance.

Redemption Options

The Amex Platinum card earns flexible Membership Rewards points, while the Citi Strata Elite card earns ThankYou Rewards Points, which can also have flexible redemption options. These flexible currencies can have different values depending on your redemption choices.

Here are your choices when it’s time to redeem the rewards you’ve earned:

Without a doubt, the best option for redeeming rewards earned on the Amex Platinum card or Citi Strata Elite card is to transfer points to airline or hotel programs for award flights or free hotel nights.

We value Membership Rewards points at approximately 2.2 cents each and ThankYou Points at 1.6 cents each when utilizing airline and hotel transfer partners.

While the Amex Platinum card has a few more transfer partners than the Citi Strata Elite card, it’s possible to find outsized value when redeeming either rewards currency.

The Citi Strata Elite card offers the best nontravel redemption rate at 1 cent per point for cash and statement credits, as well as the option to transfer points to eligible Citi accounts, including mortgages and student loans.

Hot Tip:

Citi airline transfer partners now include the unique option of transferring points to American Airlines from eligible cards. ThankYou Points earned on the Citi Strata Elite card can be transferred to American Airlines AAdvantage at a 1:1 ratio.

Travel Protections

Travel protections can be helpful if a covered event were to occur and disrupt your travel plans.

Here are the travel protections you find on the Amex Platinum card and the Citi Strata Elite card:

* Coverage descriptions and terms and conditions are included in the Citi Strata Elite card’s guide to benefits you receive when approved for the card.

Travel Benefits

Travel benefits can save you money and provide perks to make your journey more comfortable.

We’ll begin with a brief comparison, followed by a closer examination of the travel benefits offered by the Amex Platinum card and the Citi Strata Elite card:

Airport Lounge Access

Amex Platinum Card

The Amex Platinum card is known for offering some of the best lounge benefits, with access to over 1,550 lounges worldwide:

• Centurion Lounges worldwide, for the cardholder (guest access can be earned)
• Escape Lounge – The Centurion Studio Partner
• 10 passes to the Delta Sky Club each year for the cardholder when flying same day on Delta
• Select Lufthansa Lounges for the cardholder when flying the same day on Lufthansa
• Plaza Premium Lounge and select Virgin Clubhouse lounges

Guest access is included for Priority Pass lounges, although some lounges do not accept guests. Up to 2 guests are included, after which a fee of $35 applies for each additional guest. You can earn guest access for the Centurion Lounge and unlimited cardholder access for Delta Sky Club lounges by spending $75,000 or more on the card annually.

Citi Strata Elite Card

The Citi Strata Elite card also comes with a Priority Pass Select membership, offering access for the cardmember and 2 guests to over 1,500 lounges worldwide. Additionally, Citi partners with American Airlines to provide 4 Admirals Club passes (worth up to $300) each year.

Hotel Program Benefits

Amex Platinum Card

The Amex Platinum card includes Marriott Bonvoy Gold Elite status and Hilton Honors Gold elite status. Elite status can offer benefits such as upgraded rooms, increased hotel loyalty points earning, late checkout, and more.

Amex Platinum cardholders have access to Fine Hotels + Resorts benefits, which include an upgraded room on arrival (when available), daily breakfast for 2, noon check-in (when available), guaranteed 4 p.m. checkout, complimentary Wi-Fi, and a $100 unique property amenity. Stays can be booked through AmexTravel.com with points, prepaid with the card, or a combination of both.

The Hotel Collection properties booked through AmexTravel.com offer similar benefits, such as a $100 on-site credit to spend at the hotel on eligible dining, spa, and resort activities and a room upgrade at check-in (when available).

The annual $200 statement credit applies to FHR hotel bookings of any length and Hotel Collection stays of 2 nights or longer and is limited to 1 credit per calendar year.

Citi Strata Elite Card

The Reserve hotel collection benefits include a $100 experience credit (varies by property), room upgrade when available, daily breakfast for 2, complimentary Wi-Fi, early check-in, and late checkout (when available). Benefits apply only to hotels booked with Reserve rates through Citi Travel.

The Hotel Collection benefits include daily breakfast for 2, complimentary Wi-Fi, early check-in, and late checkout (when available). Stays must be booked through Citi Travel.

When booking a hotel night stay of 2 nights or longer with Citi Travel, you could receive up to $300 each year in credits at checkout. Prepay for your stay with your card, ThankYou Points, or a combination to receive the credit. Please note that you do not earn points on the portion of the purchase covered by the credit.

Global Entry, TSA PreCheck, or CLEAR Credit

The Amex Platinum card and Citi Strata Elite card both offer up to $120 in statement credit every 4 years for a Global Entry application fee or up to $85 every 4.5 years for a TSA PreCheck application fee.

Additionally, the Amex Platinum card offers a CLEAR Plus credit of up to $199 each year when you use the card to pay for your application or renewal fee.

Airline Incidentals Fee Credit

The Amex Platinum card offers up to $200 in statement credits each year for qualifying airline incidental fees purchased with your preselected airline using your card.

Ride-Sharing, Transport, and Car Rental Program Benefits

The Amex Platinum card includes up to $200 in annual Uber Cash. Add your card as a payment method to your Uber account and receive $15 monthly from January to November and $35 in December. You can use Uber Cash for Uber rides and Uber Eats in the U.S.

The Amex Platinum card also includes Avis Preferred Plus, Hertz Gold Plus Rewards President’s Circle, and National Car Rental Emerald Club Executive status. Enrollment is required for these car rental benefits.

The Citi Strata Elite card comes with up to $200 in annual credits with the global chauffeur company Blacklane. Credits are available in 2 installments: $100 from January through June and $100 from July through December. Additionally, as a World Elite Mastercard holder, you can earn $5 in monthly credit with Lyft after taking 3 rides. Mastercard benefits also include car rental discounts.

Shopping Protections and Benefits

Shopping protections provide economic benefits in the event of a covered loss to an eligible item purchased with your card. Shopping benefits can deliver savings for select purchases.

Here’s an overview of the shopping protections and benefits available on the Amex Platinum card and Citi Strata Elite card:

* Coverage descriptions and terms and conditions are included in the guide to benefits you receive once approved for the Citi Strata Elite card.

Amex Platinum Card

Pay your monthly cell phone bill with your card and receive up to $800 in cell phone protection if your phone is damaged or stolen. You can make a maximum of 2 claims per 12 months, with a $50 deductible per claim.

The Saks Fifth Avenue credit of up to $100 in statement credits each year is available for $50 from January through June, and $50 from July through December. You must first enroll in the benefit through your online card account.

Use your enrolled card to pay for the Equinox+ digital fitness app or an eligible Equinox club membership and receive up to $300 in Equinox credits each calendar year.

The Walmart+ credit gives cardholders up to $155 in statement credits each year, enough to cover the monthly Walmart+ membership. You must use your card to pay for the monthly membership.

The digital entertainment credit helps cover some of those monthly streaming subscription fees. Upon enrollment, you receive up to $240 annually with up to $20 in monthly credits for Disney+, The Disney+ Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal.

Citi Strata Elite Card

The up to $200 annual Splurge Credit can be used with your choice of merchants, including 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training, and Live Nation (exclusions apply). The merchant must activate the transaction before the statement credit can be applied, and you can only have 2 activated merchants at the same time.

Annual Fees and Authorized Users

It’s essential to understand the fees charged on any card you select, particularly the annual fee and any additional charges for adding authorized users. Let’s review the fees charged in these categories for our featured cards.

The Amex Platinum card charges an annual fee of $695. Authorized users can be added for $195 per card. There is no authorized user fee for basic Gold cards (not the same as the American Express^® Gold Card).

The Citi Strata Elite card charges an annual fee of $595 and charges $75 to add each authorized user.

Hot Tip:

CitiGold Relationship clients who have a Citi Strata Elite card receive a $145 rebate toward the card’s annual fee each year. CitiGold Private Relationship clients receive a $595 credit in the first year and $145 each subsequent year.

Final Thoughts

The Citi Strata Elite card offers several substantial benefits, including up to $300 in annual hotel credits when booking a hotel through Citi Travel. Another benefit is the Splurge Credit, which can be used at American Airlines. The card also offers 4 Admirals Club lounge passes. American Airlines loyalists may find the card attractive now that the airline has also become a Citi transfer partner.

Both cards finish light on earning, with neither offering many strong bonus category earnings except for travel via the cards’ travel portals or flights purchased directly from airlines, particularly with the Amex Platinum card. The Citi Strata Elite does come through with up to 6x on dining on weekend nights, which could be a positive earner.

As a premium travel rewards card choice, either card can deliver usable benefits and overall economic value. If you’re a frequent traveler who values worldwide lounge access, the Amex Platinum card could be a good choice, as a single annual lounge membership can cost as much as the card’s annual fee. If you’re an American Airlines fan, the Citi Strata Elite card might have more appeal.

The best card for your situation is the one that earns the most rewards on your most common purchases, offers redemption options that match your preferences, provides travel and shopping benefits you can utilize, and has an annual fee you’re comfortable paying.

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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 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.

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 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 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.