| Category | Rate | Type | Cap |
|---|---|---|---|
|
Flights Booked Directly with Airlines
5x Membership Rewards points on flights booked directly with airlines on up to $500,000 per calendar year in purchases, then 1x. Does not apply to flights booked through third-party travel sites unless booked through AmexTravel.com.
|
5x | Points | $500,000/yr |
|
Flights Booked via AmexTravel.com
5x Membership Rewards points on prepaid flights booked through AmexTravel.com on up to $500,000 per calendar year combined with flights booked directly with airlines, then 1x.
|
5x | Points | $500,000/yr |
|
Prepaid Hotels via AmexTravel.com
5x Membership Rewards points on prepaid hotels booked through AmexTravel.com with no annual cap. Does not apply to hotels booked directly with the hotel or through other travel sites.
|
5x | Points | No cap |
|
Flights Booked Directly with Airlines (After Cap)
1x Membership Rewards points on flights booked directly with airlines after the $500,000 annual combined cap with AmexTravel.com flights is reached.
|
1x | Points | No cap |
|
All Other Purchases
1x Membership Rewards points on all other eligible purchases with no annual cap. Points do not expire as long as at least one eligible enrolled Amex card remains active.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$120 Uber One Statement Credit
Receive up to $10 per month ($120 annually) in statement credits when the Platinum Card is used to pay for an auto-renewing Uber One membership subscription. Enrollment required.
|
Credits |
$120/year ($10/month)
Up to $120
|
|
$155 Walmart+ Monthly Membership Credit
Receive up to $12.95 per month ($155 annually) in statement credits to cover the cost of a Walmart+ monthly membership when paid with the enrolled Platinum Card. Credit covers the full cost of the standard Walmart+ monthly membership. Enrollment required.
|
Credits |
$155/year ($12.95/month)
Up to $155
|
|
$200 Airline Fee Credit
Receive up to $200 per calendar year in statement credits for incidental fees charged by one qualifying airline selected at the start of each year. Eligible charges include checked baggage fees, in-flight food and beverage, seat upgrades, and lounge day passes. Enrollment required.
|
Credits |
$200/year
Up to $200
|
|
$200 Hotel Credit via Fine Hotels + Resorts and The Hotel Collection
Receive up to $200 per year in statement credits for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection properties made through AmexTravel.com. The Hotel Collection requires a minimum 2-night stay.
|
Credits |
$200/year
Up to $200
|
|
$200 Uber Cash Annual Credit
Receive $15 in Uber Cash monthly plus a $20 bonus in December (up to $200 annually) for Uber Eats orders or Uber rides in the U.S. when the Platinum Card is added to the Uber account. Enrollment required; unused monthly credits do not roll over.
|
Credits |
$200/year ($15/month + $20 in December)
Up to $200
|
|
$209 CLEAR Plus Annual Statement Credit
Receive up to $209 per year as a statement credit toward a CLEAR Plus membership when the enrolled Platinum Card is used to pay for the subscription. Enrollment required; subject to auto-renewal.
|
Credits |
$209/year
Up to $209
|
|
$240 Digital Entertainment Credit
Receive up to $20 per month ($240 annually) in statement credits on eligible digital entertainment subscriptions including Disney+, ESPN+, Hulu, Peacock, The New York Times, The Wall Street Journal, and other qualifying services. Enrollment required; unused monthly credits do not roll over.
|
Credits |
$240/year ($20/month)
Up to $240
|
|
Global Entry or TSA PreCheck Credit
Receive a statement credit of up to $120 for Global Entry application or renewal fees (every 4 years), or up to $85 for TSA PreCheck application or renewal fees (every 4.5 years), when paid with the Platinum Card.
|
Credits |
Up to $120 (Global Entry) or $85 (TSA PreCheck)
Up to $120
|
|
Saks Fifth Avenue Semi-Annual Credit
Receive up to $50 in statement credits semi-annually (up to $100 per year) on eligible purchases at Saks Fifth Avenue or saks.com when the enrolled Platinum Card is used. Enrollment required. This benefit is scheduled to end June 30, 2026.
|
Credits |
$100/year ($50 semi-annually, ending June 30, 2026)
Up to $100
|
|
No Foreign Transaction Fees
The Platinum Card charges no foreign transaction fees on purchases made outside the United States, making it ideal for international travel.
|
Financial |
$0 foreign transaction fee
Up to $0
|
|
Baggage Insurance Plan
Covers lost, damaged, or stolen baggage when the entire fare is charged to the Platinum Card. Coverage up to $3,000 for carry-on baggage and $2,000 for checked baggage. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $3,000 carry-on, $2,000 checked
Up to $3,000
|
|
Car Rental Loss and Damage Insurance
Secondary coverage against collision damage or theft of a rental vehicle when the full rental is paid with the Platinum Card and the CDW is declined. Coverage up to $75,000 per rental agreement. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $75,000 per rental
Up to $75,000
|
|
Extended Warranty
Extends the original U.S. manufacturer's warranty by up to one additional year on eligible purchases with warranties of five years or less. Coverage up to $10,000 per covered purchase and $50,000 per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $10,000/item, $50,000/year
Up to $10,000
|
|
Purchase Protection
Covers eligible purchases against accidental damage or theft for up to 90 days from the purchase date. Coverage up to $10,000 per occurrence and $50,000 per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $10,000/item, $50,000/year
Up to $10,000
|
|
Trip Cancellation and Interruption Insurance
If a covered trip is cancelled or interrupted due to a covered reason, receive reimbursement for eligible non-refundable expenses up to $10,000 per trip and $20,000 per eligible card per 12-month period. Entire ticket must be paid with the Platinum Card. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $10,000 per trip
Up to $10,000
|
|
American Express Concierge Service
24/7 personal concierge service to assist with restaurant reservations, event tickets, travel arrangements, gift recommendations, and other lifestyle requests.
|
Lifestyle | Complimentary |
|
American Express Experiences
Access to presale tickets, reserved seating, and exclusive events across sports, concerts, dining, theater, and cultural experiences not available to the general public.
|
Lifestyle | Complimentary access |
|
Avis Preferred Plus Status
Complimentary Avis Preferred Plus status providing priority service, expedited pickup, and vehicle upgrade opportunities when available. Avis Preferred enrollment required.
|
Lifestyle | Complimentary Preferred Plus status |
|
Hertz Presidents Circle Status
Complimentary Hertz Presidents Circle elite status providing priority counter service, upgrades, and access to a wider vehicle selection. Hertz Gold Plus Rewards registration required.
|
Lifestyle | Complimentary Presidents Circle status |
|
Hilton Honors Gold Status
Complimentary Hilton Honors Gold elite status providing 80% bonus points on eligible stays, space-available room upgrades, complimentary continental breakfast at select properties, and fifth night free on standard room award stays. Enrollment required.
|
Lifestyle | Complimentary Gold status |
|
Marriott Bonvoy Gold Elite Status
Complimentary Marriott Bonvoy Gold Elite status providing 25% bonus points on eligible stays, enhanced room upgrades, and 2 PM late checkout when available. Enrollment required.
|
Lifestyle | Complimentary Gold Elite status |
|
5x Points on Flights Booked Directly with Airlines
Earn 5x Membership Rewards points on flights booked directly with airlines on up to $500,000 per calendar year in combined flight purchases, then 1x. Excludes flights booked through third-party travel sites other than AmexTravel.com.
|
Rewards | 5x points (up to $500,000/year) |
|
5x Points on Prepaid Flights and Hotels via AmexTravel.com
Earn 5x Membership Rewards points on prepaid flights and prepaid hotels booked through AmexTravel.com. Prepaid flights count toward the combined $500,000 annual cap with direct airline purchases; prepaid hotels are uncapped.
|
Rewards | 5x points |
|
Fraud Detection and Alerts
American Express monitors Platinum Card activity 24/7 and notifies cardholders of suspicious transactions via text, email, or push notification through the Amex App.
|
Security | Complimentary |
|
Instant Card Number
Upon approval, cardholders can access a virtual card number immediately through the American Express App for online and in-app purchases before the physical metal card arrives.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made with their Platinum Card, provided fraudulent activity is reported promptly to American Express.
|
Security |
$0 liability
Up to $0
|
|
Amex Offers
Access to personalized merchant-specific offers providing additional statement credits or bonus points at select dining, shopping, and travel brands. Enrollment required per offer before redeeming.
|
Shopping | Varies by offer |
|
Send & Split®
Split purchases with friends and family or send money directly via Venmo or PayPal through the American Express App without a fee from American Express.
|
Shopping | Complimentary |
|
Amex Centurion Lounge Access
Complimentary access to American Express Centurion Lounges worldwide for the primary cardmember and authorized users. Guest access policies vary by location; additional guests may be admitted for a per-person fee.
|
Travel | Complimentary |
|
Delta Sky Club Access (10 Visits/Year)
Receive 10 complimentary Delta Sky Club visits per year when flying on an eligible Delta-operated flight. Additional visits beyond the 10 allotment are available at a per-visit rate. Subject to visit limitations.
|
Travel | 10 complimentary visits/year |
|
Fine Hotels + Resorts Benefits
Booking at Fine Hotels + Resorts properties through AmexTravel.com provides: daily breakfast for two, room upgrade when available, noon check-in when available, 4 PM guaranteed late checkout, complimentary Wi-Fi, and a unique property amenity (typically a $100 credit). Rates start at 2 nights.
|
Travel | Complimentary perks per stay |
|
Global Assist® Hotline
24/7 emergency assistance coordination when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, translation services, and lost document assistance. Card Members responsible for third-party costs.
|
Travel | Complimentary coordination |
|
International Airline Program
Access to discounted fares in business, first, and premium economy class on select international airlines when booked through AmexTravel.com. Savings vary by airline, route, and travel date.
|
Travel | Discounted fares |
|
Priority Pass Select Membership
Complimentary Priority Pass Select membership providing access to 1,300+ airport lounges worldwide. Enrollment required; guest access fees may apply depending on lounge policy.
|
Travel | Complimentary membership |
|
The Hotel Collection Benefits
Booking a minimum 2-night stay at The Hotel Collection properties through AmexTravel.com provides a $100 property credit for qualifying charges and a room upgrade when available. Over 1,000 properties worldwide.
|
Travel |
$100 property credit per stay
Up to $100
|
|
Trip Delay Insurance
If a covered trip is delayed by more than 6 hours or requires an overnight stay, receive up to $500 per covered trip for eligible additional expenses such as meals, lodging, and toiletries. Limited to 2 claims per eligible card per 12-month period. Underwritten by AMEX Assurance Company.
|
Travel |
Up to $500 per trip
Up to $500
|