Amex Platinum Benefits 2025

Annual Fee & Value Overview

The American Express Platinum Card has a $895 annual fee. The card offers over $1,500 in potential annual credits, though actual value depends on which benefits you use.

Statement Credits

The Amex Platinum includes the following statement credits that reset periodically:

Monthly Credits

• Uber Cash: $15/month ($200/year including $20 December bonus) - For Uber rides and Uber Eats
• Digital Entertainment: $25/month ($300/year) - Disney+, Hulu, ESPN+, Peacock, Paramount+, NYT, WSJ, YouTube Premium
• Walmart+: $12.95/month ($155/year) - Covers Walmart+ membership

Quarterly Credits

• Resy Dining: $100/quarter ($400/year) - At participating Resy restaurants
• Lululemon: $75/quarter ($300/year) - At U.S. lululemon stores and online

Semi-Annual Credits

• Hotel Credit: $300/half ($600/year) - Fine Hotels + Resorts or Hotel Collection via AmexTravel.com
• Saks Fifth Avenue: $50/half ($100/year) - At Saks stores or saks.com

Annual Credits

• Airline Fee Credit: $200/year - Incidental fees (bags, seats) with one selected airline
• Uber One: $120/year - Covers Uber One membership
• CLEAR Plus: $209/year - Covers CLEAR airport security membership
• Equinox: $300/year - Equinox gym or Equinox+ digital membership
• Oura Ring: $200/year - Hardware purchases at ouraring.com

Airport Lounge Access

Amex Platinum provides extensive lounge access through multiple programs. This is one of the card's most valuable benefits for frequent travelers.

Centurion Lounges

Access to American Express's own Centurion Lounges in major airports including New York (JFK, LGA), Los Angeles, San Francisco, Dallas, Miami, Seattle, and international locations. Includes 2 complimentary guests.

Priority Pass Select

Complimentary Priority Pass Select membership with access to 1,400+ airport lounges worldwide. Note: Guest access policies vary by lounge.

Delta Sky Club

10 complimentary visits per calendar year when flying Delta. Guests cost $50 each. Unlimited access available with $75,000+ annual spend on the card.

Other Lounges

• Plaza Premium Lounges
• Escape Lounges
• Airspace Lounges
• Various airline partner lounges

Hotel Status & Benefits

Marriott Bonvoy Gold Elite

• Room upgrades (when available)
• 25% bonus points on stays
• 2pm late checkout
• Welcome gift of points

Hilton Honors Gold

• Room upgrades (when available)
• 80% bonus points on stays
• Daily food & beverage credit at U.S. properties
• 5th night free on award stays

Fine Hotels + Resorts

Access to 1,800+ luxury properties with benefits averaging $550 per stay: room upgrade, daily breakfast for two, $100 property credit, early check-in, guaranteed 4pm late checkout.

The Hotel Collection

$100 experience credit at 1,000+ properties when booking 2+ nights via AmexTravel.com.

Car Rental Status

Complimentary premium status with major car rental companies:

• Avis Preferred Plus - Upgrades, bonus points
• Hertz Gold Plus Rewards - Skip the counter, upgrades
• National Car Rental Executive Elite - Guaranteed upgrades, free days

Travel Insurance & Protections

Trip Protection

• Trip Cancellation/Interruption: Up to $10,000 per trip, $20,000 per year
• Trip Delay: Up to $500 for delays over 6 hours
• Baggage Insurance: Lost luggage reimbursement

Car Rental Insurance

Secondary coverage for theft and collision damage when you decline the rental company's CDW and pay with your Platinum card.

Purchase Protections

• Purchase Protection: Up to $10,000 per item for 90 days
• Extended Warranty: Adds 1 year to manufacturer warranties up to 5 years
• Return Protection: Up to $300 per item if store won't accept return
• Cell Phone Protection: Up to $800 per claim ($50 deductible)

Points Earning Rates

• 5x points - Flights booked directly with airlines or AmexTravel.com
• 5x points - Prepaid hotels via AmexTravel.com
• 1x point - All other purchases

Points transfer 1:1 to airline and hotel partners including Delta, British Airways, ANA, Singapore Airlines, Marriott, and Hilton.

Other Benefits

• Global Entry/TSA PreCheck Credit: Up to $120 every 4 years
• No Foreign Transaction Fees
• Global Assist Hotline: 24/7 emergency assistance when traveling
• Premium Events Collection: Access to exclusive events
• Global Dining Access by Resy: Priority reservations at top restaurants

Is the Amex Platinum Worth It?

The Amex Platinum is best suited for frequent travelers who will use the lounge access, hotel status, and travel credits. The $895 annual fee can be offset by:

• $200 Uber Cash (easy to use)
• $200 airline fee credit
• $100 Saks credit
• $300+ in entertainment credits
• Lounge access value (varies by usage)

If you travel frequently and can use most credits, the card provides significant value. If you rarely travel or won't use the credits, a lower annual fee card may be better.