Card Features and Benefits:

The Platinum Card® from American Express is full of caché and its heavy metal design will catch more than a few looks. While it earns valuable American Express Membership Rewards points, the real selling points of the Platinum Card, aside form how it feels, are the benefits...

American Express Platinum Card Benefits and Review

While the fee isn't small, the Amex Platinum card gives you a lot back in the form of monthly statement credits for certain purchases and other benefits.

Card benefits include $200 in yearly Uber credits and Uber VIP status as well as $200 in annual incidental airline credits for your chosen airline, a $200 annual hotel credit, credits for digital entertainment, a Walmart+ credit, an Equinox credit, a CLEAR® membership, and access to the American Express Global Lounge Collection, which includes the Centurion Lounges, Priority Pass, and Delta SkyClubs when you are flying Delta. (Enrollment required)

Let's review the card benefits in more detail.

Statement Credit Offers

• Up to $200 in Uber credits annually ($15 per month with a $20 bonus in December)
• Up to $100 in annual Saks Fifth Avenue shopping credits per year ($50 January-June and $50 July-December) as statement credits (Enrollment required)
• Up to $200 in annual airline fee credits (as statement credits) for your chosen airline (Enrollment required)
• $240 Digital Entertainment Credit which is good for up to $20 back each month on select digital subscriptions with Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, the Wall Street Journal, and The New York Times.(Enrollment Required)
• Up to $200 Hotel Credit as statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with a two night minimum stay with American Express Travel .  (Enrollment Required) 
• $189 CLEAR® Plus Credit: Get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card® (Enrollment Required) 
• $300 Equinox Credit: Receive up to $300 back per calendar year in statement credits for purchases at Equinox. Valid for Equinox All Access, Destination, or E by Equinox membership fees, or for Equinox+. (Enrollment required)
• $300 statement credit when you purchase a SoulCycle At-Home Bike, up to 15x per calendar year. An Equinox+ membership is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. (Enrollment required)
• $155 Walmart+ Credit: The cost of a $12.95 monthly Walmart+ membership is covered with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. (Plus Ups are excluded.)

(All above offers require enrollment after you receive the card.)

Airport Lounge Access

• You receive Centurion Lounge airport lounge access. These are only accessible by American Express Platinum and Centurion (Black Card) card holders as well as holders of the Delta SkyMiles^® Reserve and Delta Reserve Business Card. Note: Effective Feb 1, 2023, you will not be permitted any guests unless you have spent $75,000 in the preceding or current calendar year on the Platinum Card or pay $50 per person. Additional authorized users (an AU card costs $175) receive access.
• Priority Pass airport lounge access including two guests at no extra charge (excludes Priority Pass restaurants). (Enrollment required).
• Delta SkyClub access when flying Delta (no guests)
• Plaza Premium lounge access (2 guests complimentary)

Elite Hotel Status

In addition, you get elite status in two hotel programs (enrollment required):

• Marriott Bonvoy Gold Elite
• Hilton Gold

While the Bonvoy Gold status is mostly good for small room upgrades and bonus points on stays, Hilton Gold confers free breakfast - a benefit that can really add up!

Other Platinum Card Benefits

• 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 years for a TSA PreCheck®
• Secondary Car rental CDW/LDW collision/damage coverage
• Lost, damaged or stolen baggage insurance
• Extended warranty, purchase protection and return protection on covered purchases
• No foreign transaction fees.
• Cell phone protection

Note that this personal version of the Amex Platinum card does not feature the $400 annual Dell credit that the American Express Business Platinum Card does, however only this version has the monthly Uber credits.

Both cards offer the annual $200 incidental airfare statement credits for your chosen airline.

We recommend that you weigh the annual fee against the benefits that you will personally use to help decide if it's worth it for your individual situation.

Amex Platinum Card Points Earn Rate

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

The card allows you to book the Fine Hotels and Resorts Collection which includes upgrades, late checkout, and free breakfast for cardmembers.

Other eligible purchases will earn 1 point per dollar.

Also see: Credit Cards that Earn American Express Membership Rewards points

Related Credit Cards

You may also be interested in other credit cards from American Express or the Best Travel Credit Cards.

Rates and Fees for the American Express Platinum Card

Disclaimers:

Cell phone protection: 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.

Trip Delay Insurance

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.

Trip Cancellation and Interruption Insurance

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.

Extended Warranty
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

Return Protection

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.

Purchase Protection

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.