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.
Reviewed August 1, 2026 · Official issuer sources
Maintained card catalog
Current card facts
- Annual fee
- $895
- Rewards
- Membership Rewards
Recurring benefit windows
- Digital Entertainment CreditUp to $25 · Monthly
- Uber CashUp to $15 per month + $20 in December
- Walmart+ CreditUp to $12.95 · Monthly
- Lululemon CreditUp to $75 · Quarterly
- Resy Dining CreditUp to $100 · Quarterly
- Hotel CreditUp to $300 · Semi-annual
- Airline Fee CreditUp to $200 · Calendar year
- CLEAR Plus CreditUp to $219 · Calendar year
- Equinox CreditUp to $300 · Calendar year
- Oura Ring CreditUp to $200 · Calendar year
- Uber One CreditUp to $120 · Calendar year
Earning rules
- 5xBooked directly with airlines or AmexTravel.com (up to $500K/year)
- 5xPrepaid hotels booked on AmexTravel.com
- 2xEligible cruises booked through AmexTravel.com or by phone
- 1xAll other purchases
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. Guest access is not universally complimentary: rules, fees, and qualifying annual-spend thresholds can vary, so confirm the current policy before travel.
Priority Pass Select
Complimentary Priority Pass Select membership is available with enrollment. Participating locations and guest policies vary by lounge and can change.
Delta Sky Club
The card currently includes 10 visits in each annual Delta Sky Club access period when flying on an eligible Delta flight. Eligible-card, guest, and unlimited-access spend rules are governed by the current Delta and Amex terms.
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 3,000+ 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
Eligible card members can enroll in benefits with participating Avis, Hertz, and National programs. Status level, availability, and rental benefits depend on each program's current terms.
- Avis Preferred
- Hertz Gold Plus Rewards
- National Emerald Club
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)
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, if it replaces eligible spending you would make anyway
- $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.
FAQ
What are the Amex Platinum benefits?
The Amex Platinum card includes recurring statement credits, airport-lounge access, hotel benefits, travel protections, and Membership Rewards earning. Major current credits include $200/year Uber Cash, a $200 airline fee credit, a $600 hotel credit, a $400 Resy credit, and a $300 digital entertainment credit. Enrollment and purchase requirements vary. 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 includes the American Express Global Lounge Collection, including eligible Centurion, Priority Pass Select, Delta Sky Club, Plaza Premium, Escape, and partner-lounge access. Enrollment, visit limits, guest rules, fees, and eligible travel requirements vary by program, so check the current issuer terms before a trip.
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, Resy and lululemon credits reset quarterly, Saks credit ($50) expires semi-annually (Jan-Jun and Jul-Dec), Hotel credit ($300 per half-year, up to $600/year) expires semi-annually, and Airline Fee, Uber One, CLEAR Plus, Equinox, and Oura Ring credits expire at calendar year end.
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.
Reviewed August 1, 2026. Terms can change after publication. Confirm eligibility, enrollment, and account-specific terms with the issuer before acting.
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