American Express · $895 annual fee
American Express Platinum Card benefits and credits
American Express Platinum Card has 12 listed credits with an estimated annualized face value of up to $3,014 when fully used. Multi-year credits are averaged across their eligibility periods. The annual fee is $895. Count only benefits that fit purchases you would make anyway, and verify current enrollment and eligibility rules with American Express.
$3,014
estimated annualized value
$895
per year
+$2,119
Based on full eligible use at face value
18
12 credits · 6 perks
Which credit benefits does this card include?
Airline Fee Credit
Up to $200 per calendar year in baggage fees, lounge passes, seat upgrades, and more on one qualifying airline you select.
$200
calendar year
Ways to use it
- 1.Buy lounge day passes. A single-visit lounge pass from the selected airline may qualify as an incidental fee. Verify the current terms and how the charge will post before relying on the credit.
- 2.Check eligible seat fees. Some seat-selection and preferred-seat fees may qualify when charged by the selected airline. Cabin upgrades can be treated differently, so verify current terms before paying.
- 3.Buy airline gift cards (varies by airline). Historical community reports describe some airline gift-card purchases receiving the credit. This behavior is inconsistent, can change, and is not guaranteed by issuer terms. Verify current reports before considering it.
Guidance checked April 15, 2026. Verify reported or historical ideas before relying on them.
Watch out
- •Select one qualifying airline in your Amex account before incurring fees, subject to the current selection rules.
- •Airline tickets generally do not qualify as incidental fees under the benefit terms.
Hotel Credit
$300 semi-annually for Fine Hotels + Resorts or The Hotel Collection bookings ($600/year total)
$300
semiannual · $600 estimated annualized value
Ways to use it
- 1.Plan bookings around each benefit period. The $300 credit resets semi-annually. Separate eligible prepaid bookings before and after a reset can use value from different periods, but each booking must independently meet the current terms.
- 2.Compare The Hotel Collection. Compare eligible Fine Hotels + Resorts and The Hotel Collection properties before booking. The Hotel Collection generally requires a minimum 2-night stay, and eligible pricing varies by trip.
Guidance checked April 15, 2026. Verify reported or historical ideas before relying on them.
Watch out
- •Eligible bookings generally must be prepaid through Amex Travel; verify the current channel requirements before paying.
- •The Hotel Collection requires a minimum 2-night stay.
Uber Cash
$15 per month in Uber Cash for U.S. rides or Uber Eats orders, plus a bonus $20 in December ($200 total annually). Not tracked by Amex.
$200
annual
Ways to use it
- 1.Use the $35 December bonus before year-end. December Uber Cash is $35 instead of $15. Use it for Uber Eats grocery delivery, holiday meal orders, or rides. The credit expires at the end of each month and does not roll over.
- 2.Use Uber Eats for grocery delivery. If you do not use Uber rides, Uber Eats delivers groceries and meals. Order from local grocery stores through the app to use the credit on everyday purchases.
Guidance checked April 15, 2026. Verify reported or historical ideas before relying on them.
Watch out
- •Uber Cash expires at the end of each month and does not roll over.
- •The credit is loaded as Uber Cash in the Uber app, not as a statement credit.
Uber One Credit
Up to $10 per month in statement credits for an Uber One membership subscription ($120/year).
$10
monthly · $120 estimated annualized value
Digital Entertainment Credit
$25/month for eligible digital entertainment subscriptions ($300/year)
$25
monthly · $300 estimated annualized value
Ways to use it
- 1.Stack subscriptions across eligible services. Choose eligible services you already use and keep their combined monthly charges within the available credit. Verify the current service list before subscribing.
- 2.Compare monthly and annual billing. Eligible monthly charges can align with a recurring monthly credit. Annual charges may not fit the same cadence, so compare billing options and verify the current terms.
Guidance checked April 15, 2026. Verify reported or historical ideas before relying on them.
CLEAR Plus Credit
Up to $209 per year in statement credits for a CLEAR Plus membership.
$209
annual
Walmart+ Membership Credit
Up to $12.95 per month in statement credits for a Walmart+ membership ($155/year).
$12.95
monthly · $155 estimated annualized value
Global Entry or TSA PreCheck Credit
Up to $120 statement credit every 4 years for Global Entry or TSA PreCheck application fees.
$120
every 4 years · $30 estimated annualized value
Resy Credit
Up to $100 per quarter in statement credits for dining at Resy restaurants ($400/year).
$100
quarterly · $400 estimated annualized value
Ways to use it
- 1.Check restaurant gift-card eligibility. Some participating Resy restaurants sell e-gift cards through Toast. Community reports indicate that some purchases may receive the credit, but eligibility varies by merchant and payment channel. Verify current Amex terms before purchasing.
- 2.Book a reservation on Resy. Use Resy to find a participating restaurant and review the accepted payment method. Eligible restaurant charges may receive the credit when the current terms are met.
Guidance checked April 15, 2026. Verify reported or historical ideas before relying on them.
Watch out
- •The credit is limited to eligible Resy locations and payment channels; a Resy listing alone may not be enough.
- •Gift-card eligibility varies by restaurant and purchase channel. Verify current terms before buying.
lululemon Credit
Up to $75 per quarter in statement credits at lululemon ($300/year).
$75
quarterly · $300 estimated annualized value
Equinox Credit
Up to $300 per year in statement credits for Equinox membership.
$300
annual
Oura Ring Credit
Up to $200 per year in statement credits for Oura Ring membership.
$200
annual
What other benefits does this card include?
Centurion Lounge Access
Complimentary access to The Centurion Lounge network when you fly on a same-day departing flight. Guests $50 each or free with the right spend threshold.
Priority Pass Select
Complimentary Priority Pass Select membership granting access to 1,400+ airport lounges worldwide.
Trip Delay Insurance
Up to $500 per trip for reasonable expenses when a covered trip is delayed 6+ hours.
Trip Cancellation/Interruption Insurance
Up to $10,000 per trip for pre-paid, non-refundable travel expenses if trip is cancelled or interrupted.
Car Rental Loss & Damage Insurance
Secondary coverage for damage to or theft of a rental vehicle when you decline the rental company CDW/LDW.
Baggage Insurance
Up to $2,000 for carry-on and $3,000 for checked baggage if damaged, lost, or stolen.
Related benefit guides
Frequently asked questions
What is the estimated annualized value of Platinum Card credits?
American Express Platinum Card has 12 listed credits with an estimated annualized value of up to $3,014 when every eligible benefit is fully used. Multi-year credits are averaged across their eligibility periods.
Does the Platinum Card annual fee make sense?
Based on full eligible use at face value, the listed credits' estimated annualized value is about $2,119 more than the $895 annual fee, before rewards and other benefits. This modeled comparison is not savings. Your usable value depends on whether the credits match spending you would make anyway.
Which Platinum Card benefits should I track first?
Start by reviewing Hotel Credit, Resy Credit, and Digital Entertainment Credit because they have the largest estimated annualized face value in this guide. Prioritize only the benefits that fit purchases you would otherwise make.
What should I verify before relying on Platinum Card benefits?
Check current American Express terms for enrollment, eligible purchases, spending thresholds, benefit periods, and statement-credit timing. Account-specific terms and card changes can affect what applies to you.
Benefit terms can change. Estimated annualized values model full eligible use at face value and average multi-year credits across their eligibility periods. They do not represent actual savings. Verify current terms with American Express.
Keep these credits on your list
Track all 12 listed credit benefits manually on Free. With Pro, the browser extension can import issuer-reported activity for supported cards after you sign in on the issuer's website and remind you before eligible benefits reset.