I Get Groceries Delivered for $3 per Month With My Amex Platinum Card

I don’t usually think of grocery delivery as a premium credit card perk. Most headline benefits focus on airport lounge access, hotel credits, and statement credits. Weekly grocery runs feel more practical than luxurious, but my Platinum Card^® from American Express helps with those just as much as it gets me into the Centurion Lounge.

The Amex Platinum card is a versatile premium card offering thousands of dollars in annual value across travel and lifestyle benefits. One of the benefits I use most consistently is the monthly Walmart+ membership credit for free shipping, fuel discounts, and Paramount+ Essential streaming.

After trying Walmart InHome delivery for a week while multiple family members were sick, I realized I could turn my card’s Walmart+ credit into a major timesaver. I now stack the Walmart+ credit with an annual InHome delivery add-on to get unlimited, tip-free grocery deliveries for about $3 per month.

Here’s how it works and why this seemingly small perk has become one of the most practical ways I offset my card’s annual fee.

Amex Platinum Card Overview

The Amex Platinum card has extensive benefits. Many are travel-focused, such as airport lounge access, elite status, and hotel credits, but the card’s lifestyle credits offer real value as well.

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Platinum Card^® from American Express

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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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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 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.

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Up to $3,850

Annual Fee

$895

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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.

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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
• Annual and monthly statement credits upon enrollment (airline credit, Uber Cash and Uber One, Resy, lululemon credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR+ credit, and Equinox credit)
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts and Amex International Airline Program
• Access to Amex transfer partners
• No foreign transaction fees (rates and fees)

 

Cons

• $895 annual fee (rates and 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 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.
• $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 make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. 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.
• $209 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 $209 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 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: 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.
• 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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These are the Amex Platinum card’s benefits, which offer thousands of dollars in value each year:

• 5x points for flights booked directly with airlines or AmexTravel.com (up to $500,000 per calendar year) and on prepaid hotels booked with AmexTravel.com
• Access to over 1,550 airport lounges globally
• Hotel and rental car elite status and benefits upon enrollment
• Up to a $209 CLEAR+ credit
• Up to a $300 annual Equinox credit
• Up to a $200 airline annual incidental fee credit
• Up to a $300 lululemon credit (up to $75 per quarter)
• Up to a $400 Resy credit (up to $100 per quarter)
• Up to a $300 digital entertainment credit (up to $25 per month)
• Up to a $600 hotel credit (up to $300 biannually)
• Up to a $155 Walmart+ credit
• Up to a $200 Uber Cash credit ($15 per month, plus an additional $20 in December)
• Up to a $120 TSA PreCheck or Global Entry application fee credit
• Up to a $300 SoulCycle credit

Some credits require enrollment, so be sure to explore your American Express account to make the most of your card.

How the Walmart+ Credit Works

Those with the Amex Platinum card get a $12.95 monthly credit toward a Walmart+ membership. You can receive the credit by using your Amex Platinum card as the payment method when setting up your Walmart+ membership and selecting monthly billing instead of annual. The membership costs $12.95 per month plus tax, so you’re only responsible for the tax.

I get about $155 in value from the Walmart+ membership benefit, which helps offset the card’s $895 annual fee. It’s one of the few benefits I use every month.

A Walmart+ membership includes:

• Free shipping with no minimum purchase requirement, except for items that aren’t shipped by Walmart
• Free grocery delivery with a $35 order minimum
• Walmart prescription discounts
• A discount of 10 cents per gallon on fuel at Walmart, Murphy, Exxon, and Mobil stations
• Scan-and-go checkout access
• Early access to promotions and events, such as Black Friday deals
• Free Paramount+ Essential plan subscription
• Up to 5% Walmart Cash with Walmart+ Travel

Although grocery delivery is included with Walmart+ (with a $35 order minimum), tips are expected for delivery drivers.

Why I Upgraded to Walmart+ InHome

I’ve had a Walmart+ membership for a couple of years and used it for a Paramount+ Essential subscription, free shipping, and fuel discounts. It’s been a no-brainer, since my monthly membership fee is offset by the monthly credit from my Amex Platinum card.

I didn’t use Walmart+ for grocery delivery regularly, even though it’s included with a $35 order minimum. The main reason was tipping. Drivers for Walmart+ delivery are typically third-party contractors, and tips are expected. For a $100 grocery order, that’s a $10 to $20 tip.

Paying a delivery tip can be worth it sometimes, like when we have lots of heavy items or a packed schedule. But typically, we’d spend about 20 minutes picking up Walmart online grocery orders instead of paying $10 or more per delivery.

That changed during a week when several family members were sick. No one wanted to leave the house, and we needed groceries — the perfect time to try delivery. At checkout, I noticed I could start a free InHome delivery trial as a Walmart+ member, so I gave it a try.

My order arrived in a temperature-controlled truck with Walmart branding, and the driver wore a Walmart uniform. It felt more structured than a typical gig delivery, and I didn’t have to think about tipping at all. If I had tipped $10 on that sick-day order, I would have already paid more than 3 months of InHome at the annual rate.

How Walmart InHome Delivery Works

With InHome delivery, you can get unlimited deliveries with a $35 order minimum. The difference between InHome and regular Walmart+ grocery deliveries comes down to who delivers your order, where they drop it off, and the time slots for receiving orders.

InHome drivers are Walmart employees paid hourly, and tipping isn’t expected (there’s no option to tip at checkout). That’s a major advantage, since tipping $10 per week would add up to about $40 per month.

Standard Walmart+ deliveries go to your doorstep, but InHome can deliver to your garage or even your kitchen. You can also choose to have groceries placed directly into your refrigerator.

Delivery windows are less precise with InHome. Instead of a 2-hour time slot, you’ll choose between 9 a.m. to 1 p.m. or 2 to 6 p.m. Same-day delivery is available for the 2 to 6 p.m. window if you order before 10 a.m.

InHome costs $7 per month or $40 annually (about $3.33 per month) on top of a Walmart+ membership. Since my Walmart+ membership is covered by my Amex Platinum card except for tax, and I pay annually for my InHome membership, it costs just over $3 per month.

At that price, getting groceries delivered makes far more sense than waiting in a pickup line or tipping $10+ per order. We use it for weekly grocery runs, but it’s also great for last-minute needs. I can place an order the night before and get it delivered in the morning — or even same day in the afternoon.

The delivery upgrade also applies to non-grocery items available at our local Walmart. So while I’m getting milk and bread delivered, I can also get birthday gifts, household essentials, and more.

How Grocery Delivery Helps Us Save Money

I order groceries online every week for pickup from Walmart and H.E.B., and I’ve found we consistently spend less when ordering online than in-store. Ordering online makes it easier to compare prices, avoid impulse purchases, and track a running total before checkout.

Walmart doesn’t charge for online orders, but H.E.B. adds a 3% fee, so we tend to get most items from Walmart and shop at H.E.B. for meat and exclusive specialty items.

What We Save With Walmart InHome Delivery

My Walmart+ monthly membership costs $12.95 plus tax, and nearly all of that is covered by my Amex Platinum card credit. InHome delivery costs $40 annually, or about $3.33 per month.

If we tip around $10 each week for regular Walmart+ delivery, that’s $40 per month, so we save nearly $37 with InHome deliveries. Even with the small fee, we save time on every order, plus the cost of driving to and from the store.

Compared to other grocery delivery services, this setup is one of the cheapest ways to have groceries delivered to your door. Instacart, Amazon Fresh, and Target Shipt all charge membership fees of more than $3 and usually require driver tips.

Final Thoughts

The Amex Platinum card isn’t known as a grocery credit card, but it works that way for me. The Walmart+ credit, combined with an InHome membership, makes everyday life easier with predictable, tip-free grocery delivery for about $3 per month — less than the cost of tipping on a single order.

This benefit alone doesn’t justify the card’s annual fee, but it meaningfully offsets the cost. If you already shop at Walmart and have access to InHome delivery, this is one of the easiest ways to get more value from your Amex Platinum card.