A public reference for this card's annual fee, benefit schedules, earning rules, and protections. Use it to understand what belongs to the card before you decide what to track.
Review this card's recorded earning rules before you move into its benefit windows and protections.
Expand a row for its recorded terms. Amounts describe the catalog rule, not automatic redemption or transaction matching.
1 recorded
Up to $10 per month for wireless phone service purchases made directly with a U.S. wireless telephone service provider ($120/year). Enrollment required.
2 recorded
Up to $50 quarterly on eligible purchases made directly with Hilton for Business members ($200/year). Enrollment required.
Up to $90 per quarter for U.S. purchases made directly with Indeed ($360/year). Enrollment required.
1 recorded
Up to $300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel ($600/year)
6 recorded
Up to $200 per calendar year for incidental fees charged by your selected qualifying airline
Up to $219 per calendar year for an auto-renewing CLEAR Plus membership, excluding taxes and fees
Up to $150 per calendar year on U.S. purchases directly with Dell Technologies. Enrollment required.
$1,000 statement credit after spending $5,000+ directly with Dell Technologies per calendar year. Enrollment required.
$250 statement credit per calendar year after spending $600+ on U.S. purchases directly with Adobe. Enrollment required.
Up to $300 per calendar year on U.S. purchases of ChatGPT Business subscriptions. Enrollment required. Subject to auto-renewal.
Complimentary access to The Centurion Lounge and Studio locations worldwide
10 complimentary Delta Sky Club visits from February 1 through January 31 when flying on an eligible Delta flight. Unlimited visits after $75,000 in eligible calendar-year spend.
Complimentary Priority Pass Select membership with access to 1,400+ airport lounges worldwide. Enrollment required.
Access to Escape Lounges and, through September 30, 2026, Lufthansa Lounges when flying on a same-day eligible flight
Access to exclusive reservations, Priority Notify, and special dining experiences at participating Resy restaurants
Access to reservations on select nights in select cities at participating Resy restaurants
Access to curated experiences spanning sports, fashion, dining, art, and live performances
Complimentary Marriott Bonvoy Gold Elite status
Complimentary Hilton Honors Gold status
Complimentary Leaders Club Sterling status from The Leading Hotels of the World with benefits at over 400 independent luxury hotels. Enrollment required.
Complimentary elite status with Avis Preferred, Hertz Gold Plus Rewards, and National Emerald Club
Average total value of $550 in benefits when booking Fine Hotels + Resorts through Amex Travel, including room upgrades, daily breakfast, experience credits, and more
$100 credit towards eligible charges when booking two nights or more with The Hotel Collection on AmexTravel.com
Statement credit every 4 years for Global Entry ($120) or TSA PreCheck (up to $85)
Get 35% points back after using Pay with Points for flights booked through Amex Travel with your selected qualifying airline, up to 1,000,000 points back per calendar year
Use Membership Rewards points for flights, prepaid hotels, rental cars, and more on AmexTravel.com
Transfer points to airline and hotel partners including Marriott Bonvoy, Hilton Honors, British Airways, Delta Air Lines, and more
Coverage for damage to or theft of a rental vehicle when you decline the CDW and pay with your Card. Up to $75,000 per rental. Secondary coverage.
Up to $500 per trip for delays over 6 hours when the round-trip is paid entirely with your Card. Maximum 2 claims per 12 months.
Up to $10,000 per trip, $20,000 per card per 12 months for non-refundable expenses when your trip is cancelled or interrupted for a covered reason
Coverage for lost, damaged, or stolen baggage when purchasing the entire fare with the Card. Up to $2,000 for checked baggage, up to $3,000 combined for checked and carry-on.
Extends eligible U.S. manufacturer warranties by up to 1 additional year on warranties of 5 years or less. Up to $10,000 per item, $50,000 per year.
Coverage for eligible purchases against accidental damage or theft for up to 90 days. Up to $10,000 per purchase, $50,000 per year.
Refund for eligible U.S. purchases up to 90 days if the seller refuses the return. Up to $300 per item and $1,000 per calendar year.
Up to $800 per claim for damage or theft of your cell phone when you pay your monthly bill with the Card. $50 deductible. Up to 2 claims per 12 months.
No foreign transaction fees on purchases made abroad
Purchasing power adapts based on your purchase, payment, and credit history, giving you flexibility for large business purchases
Ability to carry a balance with interest up to your Pay Over Time Limit on eligible purchases of $100 or more
Add Business Platinum employee cards for $400 each, or no-fee expense cards that earn points but exclude travel benefits
Access to Platinum Travel Consultants who specialize in custom itineraries and tailored travel recommendations
24/7 emergency assistance when traveling 100+ miles from home, including medical and legal referrals
Up to $1,200 in statement credits on flights booked on AmexTravel.com for use in the next calendar year, after spending $250,000 in eligible purchases
Up to $2,400 in statement credits for American Express One AP monthly fees for use in the next calendar year, after spending $250,000 in eligible purchases
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