Amex Platinum Benefits 2026
Complete list of all American Express Platinum Card benefits. The $895 annual fee includes statement credits, lounge access, hotel status, and travel protections.
Last updated: May 2026
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.
Sources
- American Express Platinum Card benefits - Official card benefits, statement credits, and travel perks.
- American Express and Uber benefit terms - Official monthly Uber Cash terms for eligible Amex cards.
FAQ
What are the Amex Platinum benefits?
The Amex Platinum card includes over 40 benefits: $200/year Uber Cash, $200 airline fee credit, $200 hotel credit, $100 Saks credit, $300 Equinox credit, Priority Pass lounge access, Centurion Lounge access, Marriott Gold status, Hilton Gold status, Global Entry/TSA PreCheck credit, cell phone protection, and comprehensive travel insurance. The card has a $895 annual fee.
How much is the Amex Platinum Uber credit?
The Amex Platinum provides $200 per year in Uber Cash: $15 per month plus a $20 bonus in December. The credits are automatically added to your Uber account and can be used for Uber rides or Uber Eats orders. Unused monthly credits do not roll over.
What lounge access does Amex Platinum include?
Amex Platinum cardholders get access to: Centurion Lounges (Amex-owned), Priority Pass Select (1,400+ lounges), Delta Sky Club (when flying Delta, 10 visits/year), Plaza Premium Lounges, Escape Lounges, and various airline partner lounges. Centurion Lounge access includes 2 guests free.
What hotel status comes with Amex Platinum?
Amex Platinum includes complimentary Marriott Bonvoy Gold Elite status and Hilton Honors Gold status. Marriott Gold includes room upgrades, late checkout, and 25% bonus points. Hilton Gold includes room upgrades, daily food & beverage credit at U.S. properties, and 80% bonus points.
When do Amex Platinum credits expire?
Amex Platinum credits have different expiration schedules: Uber Cash ($15) expires monthly, Saks credit ($50) expires semi-annually (Jan-Jun and Jul-Dec), Hotel credit ($300) expires semi-annually, Airline fee credit ($200) expires at calendar year end, Equinox credit ($300) and Digital Entertainment credit ($300) expire at calendar year end.
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