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Full List of Travel Insurance Benefits for the Amex Platinum Card [2024]

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Table of Contents

Amex platinum card overview, car rental loss and damage insurance, trip cancellation and trip interruption insurance, trip delay reimbursement, baggage insurance, premium global assist hotline, filing a claim, final thoughts.

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Frequent travelers who are interested in premium travel benefits and solid reward-earning opportunities gravitate to The Platinum Card ® from American Express . The card, as well as The Business Platinum Card ® from American Express , has been the go-to card for meeting travelers’ earning, redemption, and benefits needs.

We frequently cover Membership Rewards points-earning opportunities , as well as a multitude of ways to maximize the redemption options . We’ve even done a deep dive into getting the most from statement credits offered by Amex cards.

Next up in our collection of articles focusing on the valuable perks that come with the Amex Platinum card is the card’s travel insurance benefits. Insurance can be inherently confusing in general and the insurance coverages that come with credit cards can be equally so.

Fortunately, even a quick overview will give you some insight as to the insurance coverages you can expect on the Amex Platinum card. So, right here and now, we’re stepping up to deliver just that.

Let’s take a look at exactly which insurances come with the card, how these benefits can provide a level of peace of mind, and find out what situations might trigger the coverage to provide economic value.

It’s important to have a little background on the card to put its coverage into context. Here are important card details, including the current welcome bonus and annual fee.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

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When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees:  None

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card comes with complimentary standard car rental insurance that provides secondary coverage when using your card to reserve and pay for your entire rental car contract. You also have the option to purchase premium primary car rental coverage .

For either coverage to be valid, you must decline the rental car agency’s LDW (loss damage waiver) or CDW (collision damage waiver) coverage when renting the vehicle.

Here’s an overview of how both of these coverages work:

Standard Car Rental Coverage

Secondary (standard) coverage means that you must first file a claim with any other applicable insurance you might have before the card coverage applies.

You can expect to receive excess secondary coverage for these losses:

• Damage to and theft of the vehicle
• Personal property up to $1,000 per person/$2,000 per accident
• Accidental injury up to $5,000 per claimant
• Accidental death/dismemberment up to $300,000

This is just a snapshot of the standard secondary car rental coverage; several terms and conditions apply. You should access the official guide to benefits or call your benefits administrator for specific information.

Premium Car Rental Protection Coverage

One of the real car rental insurance perks of holding the Amex Platinum card is having access to Premium Car Rental Protection coverage for just 1 low fee that covers the entire rental period, not a per-day charge like the rental agency charges.

Although there are some credit cards with primary rental car insurance , the American Express Premium Car Rental Protection coverage, in some circumstances, can provide equal or better coverage and elevated peace of mind. Terms and conditions apply.

Bottom Line: Consider Amex Premium Car Rental Protection if you don’t have a credit card that provides primary car rental insurance. Additionally, if you are renting an expensive vehicle that exceeds your card’s limit of coverage or the maximum length of the rental period on your other card is limited to less than 42 days, the Amex Premium Car Rental Protection could also be a prudent choice. 

Trip cancellation and trip interruption insurance are designed to cover unexpected, unforeseen events that may cause you to have to cancel your trip or that cause a disruption in a trip you’re already started.

To be eligible for coverage, purchase your entire round-trip common carrier ticket with your Amex Platinum card.

American Express has a broad definition of who is covered under this benefit. Eligible travelers can include the cardholder, traveling companion, family member of the eligible traveler, or family member of the traveling companion.

Examples of events that could be covered include the following:

• Bodily Injury or Illness — If you, a traveling companion, or a family member of either, experience an accidental injury or become ill, causing you to cancel your trip, you may have coverage
• Bad Weather — If extreme weather causes your trip to be canceled or disrupted, there could be coverage
• Change in Military Orders —Applies to cardmember and/or spouse (spouse definition includes domestic partner)
• Terrorist action or hijacking
• Jury duty or other qualifying legal obligation
• Uninhabitable dwelling of either the cardmember or traveling companion
• Quarantine imposed by a physician for health reasons

You can expect coverage of up to $10,000 per trip , and a maximum limit of $20,000 per card per 12-month period.

Terms and conditions apply.

Bottom Line: While the trip cancellation/trip interruption benefit covers specifically stated reasons for trip cancellation/interruption, there is no coverage for voluntary cancellations, disruptions due to known events, or for preexisting conditions. Additional terms and conditions can be found in your guide to benefits or call the benefits administrator prior to your trip.

Experiencing a trip delay is inevitable so having coverage for added expenses as a result of that delay could be a welcome economic benefit. To qualify for trip delay coverage, just pay for the full amount of your common carrier round-trip transportation ticket with your Amex Platinum card.

The delay must be for more than 6 hours for you to be eligible for reimbursement for necessary incidentals, meals, and lodging.

Coverage limits are $500 per covered trip and a maximum of up to 2 covered trips in each consecutive 12-month period. Coverage is secondary to other coverage that applies and does not include expenses that are reimbursed by the airline or other entities. Additional terms and conditions also apply.

Losing a checked bag used to be a very common occurrence. With new technology and tracking mechanisms, however, incidents have declined, but they still happen. If you do happen to experience lost bags, however, you can count on the baggage insurance found on the Amex Platinum card.

To activate the coverage , simply pay for your common-carrier fare with your card and/or Membership Rewards points.

Here’s the coverage you can expect for lost luggage:

• Checked Bags — Up to $2,000 per covered person, per trip
• Carry-on Bags — Up to $3,000 per covered person, per trip
• Specialty High-value Items — Up to $1,000 per person, per covered trip ($2,000 for New York residents, maximum $10,000 per trip)
• Combined Limit — The limit for all baggage, including high-risk items, is $3,000 per covered person, per single trip

Checked baggage is covered only while traveling on a common carrier . Carry-on baggage is additionally covered while traveling to , from , and when waiting at the carrier terminal.

Note that the coverage on the card is secondary to any other insurance or reimbursement you might receive from the airline. There is no coverage for delayed baggage , but several other credit cards do offer this coverage .

While technically not insurance coverage, having access to help when you’re traveling, 24/7, is sure to provide additional peace of mind. The Amex Platinum card offers a premium version of a dedicated helpline that serves as a welcome resource should things go wrong during your travels.

Here are the types of assistance you can expect from the service:

Emergency Medical Transport and Evacuation — Complimentary Coverages

One of the premium services offered on the card is complimentary emergency medical transport or evacuation . If you or a covered family member becomes injured or ill during your travels, you could receive emergency medical transportation or evacuation , if necessary.

You can expect to receive the following services without charge when arranged via the hotline:

• Emergency Transport or Evacuation — Transport to the nearest medical facility or transport from an inadequate medical facility
• Transport of Family Member — Transport may be covered for an adult member to be by the bedside of the cardmember or for the cardmember’s minor child (who had been traveling alone with the cardmember) to be transported back to the U.S.
• Transport of Remains — Amex will pay for the transport of remains back to the U.S.
• Post-Evacuation Assistance — If you’re evacuated and your return ticket back to the U.S. has become invalid, Amex will arrange and pay for transportation back to the U.S.

Please note that the Premium Global Assist Hotline does not cover any medical expenses or emergency transportation services arranged outside of the hotline. Several terms and conditions apply to these coverages.

Additional Medical Assistance

In addition to the complimentary coverages offered by the hotline, you’ll find these additional medical services:

• Medical Referrals — Receive help finding an English-speaking doctor, a hospital, or other needed medical services
• Prescription Replacement Assistance — Get help with replacing lost or forgotten medications

There is no charge for the referral service but cardmembers are responsible for actual services received from the provider.

Other Hotline Services

• Passport/Visa Assistance — Whether you need help replacing a passport or have a need to contact the U.S. consulate, the hotline can assist
• Emergency Translation Services — Receive over-the-phone services or written language translation assistance
• Legal Referrals — Should you need legal services during your trip, the hotline can help you find local bail bond services that accept Amex or refer you to other legal personnel
• Financial Assistance — The hotline can help you arrange cash wire services, help you check out of your hotel remotely, or assist with lost card situations
• Emergency Message Relay — In the event of an emergency, the hotline can send a message to a family member, friend, or another recipient on your behalf
• Lost Items — Should you lose an item, your baggage gets lost, or other missing possession, the hotline can help track it down
• Trip Planning Services — Access information such as weather, currency exchange rates, passport/visa requirements, customs information, travel warnings, and more

Bottom Line: The Amex Platinum card comes with complimentary emergency transportation and evacuation services with no stated limit. Additional medical, legal, and travel service referrals are also complimentary, but other than the emergency medical transportation and evacuation, services rendered must be paid for by the cardholder. 

As with any insurance claim, you’ll need to report any event as soon as possible, provide supporting documentation, and follow up after the claim has been filed.

You could be expected to submit any, or all, of the following:

• Copies of your common carrier ticket
• Copies of your credit card statement showing the expenses
• Proof of the loss (i.e. a copy of physician’s quarantine order, military orders, etc.)
• Copy of the travel supplier’s cancellation policy
• Any other supporting documentation requested by the claims administrator

Claims must be reported within 60 days but it is best to do it as soon as possible. Once you report the claim, you’ll receive instructions for completing the next steps in the process.

Hot Tip: Be sure to take photos and videos, keep receipts, secure any applicable police report, and hold on to other documentation that might be needed to support your claim. Keep in mind that supporting information can be difficult to obtain after the fact but may be readily secured at the time of the claim. 

While the insurance that comes with the Amex Platinum card won’t take the place of a comprehensive travel insurance policy , you’ll find value in several of the benefits.

Utilizing Premium Car Rental Protection, trip cancellation/interruption, trip delay, and complimentary emergency medical transport or evacuation could save you more than you could imagine in certain circumstances.

Additionally, knowing the coverages you have in advance has tremendous value. You’ll be armed with information to make educated decisions that can protect each aspect of your trip and be better prepared for how you might handle a covered incident during your travels. If you’re looking for other card options, see our article on the best credit cards for travel insurance .

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For the car rental collision damage coverage benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance coverage benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the trip delay insurance benefits of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Platinum Card ® from American Express, you can rely on the Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card members may be responsible for the costs charged by third-party service providers. 

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here .

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6 Things You Should Know Before Getting the Platinum Card from American Express

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The Platinum Card® from American Express is one of the top premium travel cards available. It comes with travel credits, hotel elite status, access to an impressive lounge collection, travel protections and other luxury perks. Terms apply.

Here are some things you should understand before applying for The Platinum Card® from American Express .

What to know before getting The Platinum Card® from American Express

1. amex has a "once per lifetime" welcome offer rule.

Current and former holders of The Platinum Card® from American Express are ineligible for the welcome offer. This is commonly referred to as AmEx's "once per lifetime" rule .

Not sure if you’ve had some version of this card before? AmEx will check your welcome offer eligibility when you apply for a card — even before checking your credit. If you aren’t eligible for the welcome offer, AmEx will inform you of this through a small pop-up window. After notification, you have the option to continue with the application or to cancel it.

2. The The Platinum Card® from American Express welcome offer spending requirements

The Platinum Card® from American Express currently is offering a good welcome bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply. A $6,000 spending requirement won’t be easy for everyone to meet, so consider when you'll have a lot of expenses before you open the new card.

Also, mull over what expenses you can charge to the potential card in the next few months. If you come up short of the spending requirement, consider postponing your application to a time when you have more considerable expenses on the horizon — perhaps around the holidays, when you’re finally getting around to that bathroom remodel or before booking your next trip.

» Learn more: AmEx Membership Rewards: How to earn and use them

3. The Platinum Card® from American Express annual fee of $695 is higher than average

The Platinum Card® from American Express is an excellent choice for people looking for a premium travel card . But it may not be the right card for you. Before committing to a $695 annual fee, look at the card's benefits and note which perks you value the most. Then compare your list with other cards — which may be more affordable — to see if they might be a better fit. Terms apply.

For example, the Chase Sapphire Reserve® has a lower $550 annual fee and an easy-to-use $300 annual travel credit. Plus, Chase Sapphire Reserve® offers a Priority Pass Select membership and TSA PreCheck, NEXUS or Global Entry credit. However, if you're also going to pay for a Clear membership, it may be worth paying more for The Platinum Card® from American Express , which will reimburse you $199 each year for Clear, though not that you now have the option to get both PreCheck and Clear for less by bundling the two . Terms apply.

The Capital One Venture X Rewards Credit Card , meanwhile, has an even lower annual fee at $395 and also offers TSA PreCheck or Global Entry credit. This card also offers complementary lounge access to the Capital One Lounges, more than 100 Plaza Premium lounges (including select Virgin Atlantic Clubhouses) and more than 1,300 Priority Pass lounges around the globe.

» Learn more: Is Clear worth the cost?

If you only travel a few times a year, the American Express® Gold Card could be a better fit. This card charges a much lower $325 annual fee, yet it offers an annual up to $120 in Uber credits for U.S. rides and food orders ($10 each month) and an annual up to $120 dining credit. Enrollment required.

You must add the American Express® Gold Card to your Uber app to receive the Uber Cash benefit. Plus, you'll earn 4 points per dollar at restaurants and on groceries, and 3 points per dollar on flights. Enrollment required. Terms apply.

This quiz can tell you if The Platinum Card® from American Express is worth the annual fee :

4. Your credit score needs to be strong

Even if this card seems like it would compliment your travels well, you may not be an ideal fit for this card. American Express generally requires a good to excellent credit score to qualify for The Platinum Card® from American Express . Terms apply.

You’ll want to have at least a 690 credit score before applying for the card. So, you may need to work on building your credit score before applying for the card.

And even still, excellent credit is not always a guarantee of approval. Many factors go into a bank's decision to approve you.

5. You could potentially earn $1,400 a year in statement credits — if you use them

The Platinum Card® from American Express offers over $1,400 in statement credits each year. You'll want to maximize these credits to justify paying the $695 annual fee. Terms apply.

Many of the card’s statement credits are based on monthly amounts:

Digital entertainment credit: up to $20 per month.

Premium Uber credit: up to $15 per month for U.S. rides or Uber Eats orders, with an additional $20 bonus in December.

Walmart+ monthly membership credit: $12.95 per month plus taxes.

Terms apply.

Other credits are only valid per calendar year:

Clear credit: up to $199 per year.

Airline fee credit: up to $200 per year. (Enrollment required.)

Hotel credit: up to $200 per year.

SoulCycle At-Home Bike Credit: up to $300 per year.

Equinox credit: up to $300 per calendar year.

Cardholders also get a Shop With Saks credit, which is applied semi-annually. You’ll get up to $50 in statement credits for purchases between January and June and up to $50 in statement credits for July through December. Enrollment required. Terms apply.

If you open your card account near the end of the year, make sure that you leave yourself enough time to maximize the annual credits and the Shop With Saks credit before the close of the year.

But while $1,400 in credits sounds good, understand whether they're realistic to use based on your spending. If you don't take an Uber that month, it's a lose it credit. Meanwhile, are you really going to buy (and use) a SoulCycle bike at home? And would you shop at Saks, when you'd be fine with the same type of stuff that's a fraction of the price sold from, say, Target instead?

6. You can add different types of authorized users

When you apply for this card, you’ll have the option to add authorized users. You get two choices for adding authorized user cards: An additional Platinum card or an additional Gold card.

AmEx charges $195 per card to add up to three additional Platinum cards. That may sound steep — especially on top of the card's $695 annual fee. However, this can be an excellent deal, depending on how the authorized user plans to use their benefits. Terms apply.

Additional Platinum cardmembers get complimentary access to the American Express Global Lounge Collection — including AmEx’s own excellent Centurion Lounges . Plus, additional Platinum card users get Marriott Bonvoy Gold Elite status (enrollment required), Hilton Honors Gold status (enrollment required) and access to the Fine Hotels & Resorts program. Terms apply.

Alternatively, you can add a companion Platinum user for free. Companion card users don’t get the same lounge access and elite status benefits as authorized Platinum cardholders. However, they can get their own TSA PreCheck or Global Entry credit and can help you earn Membership Rewards. Terms apply.

» Learn more: How to add AmEx authorized users

Should I get The Platinum Card® from American Express ?

The Platinum Card® from American Express is one of the most well-known premium travel cards around. With more than $1,400 in statement credits each year, lounge benefits, hotel elite status and travel protections , this card offers the complete package for luxury travelers. Terms apply.

Before committing to the $695 annual fee, there are some things you should know. Consider if the card is the right fit for you. Make sure you’re eligible credit score-wise and able to earn the welcome offer. Check the calendar to ensure you can maximize the annual credits or time your application accordingly. Finally, consider if any friends or family members would benefit from being added as an authorized user.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Guide to American Express Platinum Concierge

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Key takeaways

• If you’re paying a hefty annual fee, make sure you’re taking full advantage of everything your card offers, including its concierge service. While card concierge services are typically considered a secondary benefit, they can save you a lot of time and money.
• Amex Platinum cardholders have access to complimentary concierge service, available 24/7. You can access this service by dialing the number on the back of your card.
• Amex Platinum Concierge service can assist cardholders with gift recommendations, dinner reservations, travel arrangements, flower delivery, purchasing tickets to concerts or sporting events, and many other tasks. If you’re unsure if your request falls under the concierge’s services, you can always call and ask. You may be surprised.

The Platinum Card® from American Express is one of the most popular travel cards on the market today. And it’s easy to see why when you consider its luxe travel perks and opportunities, including one standout benefit that takes it to the next level: the card’s luxury concierge service.

Once you are approved for this American Express credit card , you can qualify for up to a $200 annual airline fee credit, one of the most generous airport lounge memberships available today, up to $200 in Uber credits annually and much more. The points you earn with the Platinum Card are extremely flexible, too. You can redeem them for travel, gift cards and merchandise, or for valuable transfers to Amex airline and hotel partners .

In addition to all of that, the American Express Platinum offers a dedicated concierge with a variety of services, whether you need help securing dinner reservations or finding the perfect gift.

How does the American Express Platinum Concierge work?

Concierge service is complimentary once you apply and are approved for the Amex Platinum, and you can use this service as often as you want.

To request help from the Amex Platinum concierge, all you need to do is reach out via the concierge desk (open 24 hours a day, 7 days a week). You can reach the concierge by calling the phone number on the back of your card.

The concierge can then help answer questions or find resources to accommodate any requests you have.

What services does the American Express Platinum Concierge offer?

Having access to the Amex Platinum Concierge is a lot like having your own personal assistant. You can call them to ask about almost anything, whether you need help finding the cheapest gas on your road trip or you want to see if you can get tickets to a sold-out show.

Some of the most popular services Amex customers reach out to their concierge for include:

• Gift recommendations
• Flower delivery
• Dinner reservations
• Scheduling spa and salon appointments
• Accessing translation services
• Travel planning
• Advice on cultural experiences
• Tickets to concerts and sporting events

When you use the Amex Platinum Concierge for any of these services, the assistance you receive is offered on a complimentary basis. You only pay for the actual goods and services they help connect you with, such as concert tickets or travel booking.

How do I maximize the Amex Platinum Concierge?

If you want to make the most of Amex Platinum Concierge services, use this benefit to save yourself time. This means delegating tasks to the concierge that would otherwise require you to sit on the phone or spend hours researching online.

Here are a few options to consider:

• Dinner reservations: Ask your concierge to help you find a restaurant reservation based on the type of cuisine you’re looking for, location or dining times that work with your schedule. The concierge may even help you snag a hard-to-get reservation at a popular spot. Your concierge can make dinner reservations on your behalf, and all you have to do is show up.
• Event tickets: If a concert or sporting event seems sold out, your concierge may be able to get special access to seats you may not even know about. Or if you know an event will go on sale soon, you can use the concierge to help you secure tickets before they sell out. Ask them to help with getting you the best seats in the house.
• Flowers and other gifts: Whether you need to send flowers for Mother’s Day or want to surprise your spouse, the Amex Platinum concierge can provide you with suggestions and ideas. Better yet, they can order the gift and set up delivery for you based on your preferences and spending limit, then charge the purchase to your card.
• Help at home: Maybe you need a chef to whip up a meal for a last-minute dinner party, or a plumber to come and install a new kitchen faucet. Your concierge can help research providers and set up an appointment at a time convenient for you.
• Travel: If you need to book airfare or research hotel options in any destination, the Amex Platinum Concierge will do the research and provide recommendations for you. They can even book your travel plans on your behalf, saving you time and stress.

These are just a few examples of how you can maximize this service, but there are plenty more ways to use this perk to save yourself both time and stress. To get the most out of concierge service, call the help desk any time you’re short on time and need help with a task. If you’re unsure if your request falls under the concierge’s services, you can always call and ask. You may be surprised at how helpful concierge services can be, but you won’t know until you try.

How do I contact the American Express Platinum Concierge?

American Express offers a specific concierge hotline you can call for personalized help with almost anything you need. Once you’re a cardholder, you can call the number on the back of your card.

From there, you’ll be connected with a dedicated expert who can help you plan a trip, make reservations, send a surprise gift and more.

The bottom line

While card concierge services are typically considered a secondary benefit, they can save you a lot of time and even money. The concierge service you get with the Platinum Card from American Express is complimentary, and it can make your life easier. If you’re already paying the card’s hefty $695 annual fee, make sure you’re taking full advantage of all it has to offer, including concierge service.

If you don’t have this card yet, consider whether might be a good fit, especially if you already have an Amex card and want to maximize your spending with a card strategy like the Amex trifecta . And check out our American Express Membership Rewards guide to learn all the ways you can use the points you earn with this card.

Learn more: Check out Bankrate’s travel toolkit for tips and tricks on how to maximize travel with a credit card.

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How to use the Amex Platinum $200 airline fee credit in 2024

Editor's note: This is a recurring post, regularly updated with new information.

It's no surprise that The Platinum Card® from American Express is packed with premium benefits . One of the most generous perks of the premium card is the annual statement credit for up to $200 in airline incidental fees. When fully maximized, this perk can reduce the sting of the card's $695 annual fee (see rates and fees ). Enrollment is required.

This credit operates on a calendar year basis, which means you have from Jan. 1 to Dec. 31 to use the credit. Additionally, you usually need to select your airline for the year by Jan. 31, though anecdotally, we've heard Amex has been somewhat flexible with this if you call or chat with a representative.

Usually, it's pretty easy for a traveler to fully maximize an annual airline fee credit of up to $200 over 12 months. First things first: Note that enrollment is required in advance before you can receive credit for this benefit in 2024.

5 suggestions on using the airline fee credit this year

Here are some ideas for using your Amex Platinum airline incidental credits throughout 2024:

• Pay for seat assignments and checked bag fees
• Use it to splurge on food and beverages while inflight
• Purchase airline lounge day passes for future use. These are often valid for one year from purchase, but be sure to check the exact terms before buying any passes. You can purchase single-use passes from United for $59, American for $79 and Alaska for $60. Also, know that this doesn't work 100% with all the airlines, so do some online searching for recent data points
• Allow an authorized user to put the fee credit to use on one of their flights
• Purchase Southwest EarlyBird boarding for future Southwest flights

Enrollment is required in advance for select benefits.

Related: The ultimate guide to getting Delta Sky Club access

Choose the right airline

If you have an Amex Platinum , you can click here to select or change your airline choice each January (you'll need to log in to access your Amex account). You also can access the airline selection screen by scrolling to your online account's "Benefits" section. Either way, you'll see that you can choose from the following airlines:

• Alaska Airlines
• American Airlines
• Delta Air Lines
• Hawaiian Airlines
• JetBlue Airways
• Southwest Airlines
• Spirit Airlines
• United Airlines

Amex has been pretty lenient about permitting airline selection changes well beyond the usual Jan. 31 deadline for those who call or use the online chat feature to ask. There's no guarantee that it will work for you, but it's worth trying if you want to change your airline later in the year and haven't used any of the credit yet.

Generally speaking, you might assume that the airline you most frequently fly with is the one to choose. However, picking your primary airline automatically isn't always the best choice. That's because many fees are waived if you have elite status or a cobranded credit card with that airline , so having credits to reimburse you for checked bag fees or seat selection with that airline may not be useful.

Instead, consider an airline with which you're likely to incur at least $200 in fees each year.

For example, imagine that you fly United most frequently and also hold elite status with that airline, but you also fly American a few times each year. In this situation, you might be better served choosing American for your airline fee credit.

You could use that credit for things like seat assignments, extra-legroom seats, bag fees, onboard drinks or food. Remember that enrollment is required in advance to use this benefit through this direct registration link .

Don't forget about budget airlines, either.

Designating a low-cost carrier as your airline of choice could be a smart strategy since they charge extra fees for amenities that come automatically with some other airlines. This includes checked and carry-on bags , seat assignments and onboard snacks and drinks. Maximizing the Amex Platinum airline fee credit should be really easy if you designate and fly on a carrier that charges a high number of add-on fees.

What's covered by the airline fee credit

Generally, the following incidental fees will be reimbursed by using the Amex Platinum credit, as long as you make these purchases separately from the airline ticket itself (so the purchase will show up as a different transaction).

However, anything not expressly an incidental fee is not guaranteed to work and could change based on how the airline codes the transactions. For example, we've recently heard that United lounge passes can be coded as airfare and thus wouldn't be likely to trigger the credit. Here are some other examples that may not trigger the credit:

• Checked baggage fees
• Overweight/oversized baggage fees
• Change fees
• Phone reservation fees
• Pet flight fees
• Airport lounge day passes and annual memberships
• Seat assignment fees
• Inflight amenity fees (beverages, food, pillows/blankets, etc.)
• Inflight entertainment fees (excluding wireless internet)

As you can imagine, it's not difficult for many frequent travelers to use the airline fee credit in a typical year.

If American Airlines is your selected airline, check out this post on which American Airlines expenses trigger the Amex airline fee credit . And here's a real-world look at what triggers the fee credit across more airlines .

According to the terms, the Amex Platinum airline fee credit is not applicable for the following:

• Fees charged to other card accounts (besides authorized user accounts )
• Charges that aren't separate from airline ticket payments (for example, you may pay to select seats when purchasing a ticket but that may not trigger the credit)
• Fees not charged by the cardmember's airline of choice (for example, wireless internet and fees incurred with airline alliance partners)
• Incidental air travel fees charged prior to the selection of a qualifying airline
• Airline tickets
• Mileage points purchases
• Mileage points transfer fees
• Duty-free purchases
• Award tickets

The airline must submit the charge under the appropriate merchant code and required service or product identifier for the charge to be recognized as an incidental air travel fee. The terms say to allow six to eight weeks after each charge for the statement credit to post to your account (though, in our experience, it is often faster). If the credit hasn't posted after that time, you can call the number on the back of the card to get the credit manually approved for valid charges.

Related: How long does it take to receive statement credits from Amex?

It's also worth highlighting the bullet point for "fees not charged by the cardmember's airline of choice." If you book a ticket through your preferred airline but will fly on a partner airline, expect that you won't be able to use your incidental credits.

Here's an example. Say that your preferred airline is United, you book a flight through United's website, but you will actually fly on Air Canada. When you check in at the airport with Air Canada, checked bag fees would be charged by Air Canada — not United — so you wouldn't be able to use your Amex Platinum incidental credits here.

As with most things, there are clear-cut cases when the credit reliably does and does not work while there also are some grey areas. For example, we have heard reports that the airfare credit kicks in when you pay for a portion of a Delta ticket with a gift card and then charge the remainder to your Amex Platinum. This happens because the remaining airfare becomes an "additional collection" and triggers the reimbursement credit.

Sometimes, other small airline ticket purchases, Travel Bank reloads and even the taxes/fees also trigger the credit, as have some purchases of smaller ($50-ish) amounts of future airline travel credit.

However, those are off-label uses that could change at any time. Additionally, remember that only purchases with the airline you selected will trigger the credit.

Other Amex cards with airline fee credits

The Amex Platinum isn't the only Amex card that offers an annual airline fee credit (up to a certain amount). The following Amex cards also offer credits (advance enrollment is required):

• The Business Platinum Card® from American Express (up to $200 credit)- enrollment is required

The Hilton Honors American Express Aspire Card also has a $200 airline credit split into $50 quarterly and is valid on eligible flight purchases made directly with an airline or through AmexTravel.com.

The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The details of the airline fee credit on these cards and the Amex Platinum are similar. But there's one important wrinkle for the Business Platinum Card . Business Platinum cardholders receive a 35% rebate on any points redeemed for business- or first-class travel on qualifying airlines when booked through Amex Travel (up to 1 million points back per calendar year) or when using Pay with Points to book travel on their preferred airline — the same airline associated with the $200 in annual airline incidental credits.

Related: Why I love the Amex Business Platinum's Pay With Points perk

Because of that, Business Platinum cardholders may want to select an airline for which they use points to purchase economy tickets for their annual airline credit, instead of one where they'll incur fees that the credit can offset.

Bottom line

The up to $200 Amex airline fee credit is one of those use-or-lose benefits that is only worth what you make of it.

Normally, it's pretty easy to maximize this airline fee credit if you understand how it works and have a plan for the year ahead. At this point, you should have a good understanding of what does and doesn't work for the Amex Platinum card's airline incidental credits and how you can use these credits even if you aren't traveling right away.

Apply here: Amex Platinum Apply here: Amex Business Platinum

For rates and fees of the Amex Platinum, click here . For rates and fees of the Amex Business Platinum, click here .

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Annual Fee & Authorized User Fee – American Express Platinum

Want to know more about the annual fee for The Platinum Card ® ? Here’s an overview, plus a look at the Card’s abundance of travel and lifestyle credits, perks, and services.

At-A-Glance

The Platinum Card by American Express has a $695 annual fee. 1

With over $1,500 in value, the Platinum Card offers a suite of elevated benefits and statement credits across travel, entertainment, and dining that can help make every day an adventure.

For example, Platinum Card Members can unlock benefits like airport lounge access, complimentary elite status at participating hotels, and special access to exclusive reservations through Global Dining Access by Resy.

The Platinum Card ® from American Express has long been at the forefront of luxury travel, with high points multipliers and premium rewards. But did you know the Card also offers an abundance of elevated entertainment and dining benefits? Let’s take a closer look at the Platinum Card and see how it continues to go above and beyond.

How Much is The Platinum Card’s Annual Fee?

The Platinum Card has a $695 annual fee. 1 The fee is paid once a year, and the math works out to about $58 a month. At the same time, the Platinum Card can help you unlock access to over $1,500 in value. Here’s how:

• $240 Digital Entertainment Credit: Stay in the know with content that matters most to you. Use your Platinum Card to subscribe to one or more services on Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal and get up to $20 in statement credits each month after making eligible purchases directly from the participating partners with your Platinum Card. That's up to $240 annually to explore something new. Enrollment required.
• $200 Uber Cash: With your Platinum Card, you'll receive $15 in Uber Cash to use on eligible orders with Uber Eats and rides with Uber in the US every month plus a bonus $20 in December, delivered through an exclusive Uber app experience. That's up to $200 for Uber orders with Uber Eats and rides with Uber annually. You'll also become an Uber VIP, where available, without meeting minimum ride requirements and be matched with top-rated drivers, so that even a 5-minute trip can be a 5-star experience. (Uber Cash and Uber VIP are available to Basic Card Members only.)
• Global Lounge Collection ® : The American Express Global Lounge Collection can provide an escape at the airport, with more than 1,400 airport lounges across 650 cities in 140 countries and counting. Enjoy the benefits of the Global Lounge Collection, with a value of over $500 when you enroll into Priority Pass Select and make multiple visits to select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges each year. The Global Lounge Collection also includes access to the Centurion Network and Delta Sky Club, subject to visit limitations. See terms.
• $200 Airline Fee Credit: Get up to $200 per calendar year in statement credits after eligible incidental fees, such as checked bags or in-flight refreshments, are charged to your Card by one qualifying airline of your choice. 2
• $100 Saks Credit: Earn up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• $200 Hotel Credit: Treat yourself to a luxury hotel stay. Card Members can receive up to $200 back in statement credits each year on prepaid bookings at over 2,600 hand-selected hotels that are part of the Fine Hotels + Resorts ® and The Hotel Collection programs. Bookings must be made through American Express Travel and charged to your Platinum Card.
• $199 CLEAR ® Plus Credit: Every minute counts when you’re eager to travel. CLEAR Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Use the dedicated CLEAR Lane to confirm your identity without taking out your passport or ID – this can mean shorter lines, less waiting. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with your Platinum Card.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month. 3

Experience Membership Together: Adding Additional Card Members to the Platinum Card

Like all American Express Cards, the Platinum Card allows you to add Additional Card Members , commonly known as “ authorized users ,” to your account. With Additional Cards, you can extend access to select Platinum benefits. The annual fee is $195 for each Additional Platinum Card and Additional Card Members must be 13 years of age or older.

Adding Additional Card Members to your Platinum Card account can be a great way to maximize points-earning potential and extend select benefits to those you care about. If you’re the Basic Card Member (meaning you’re the primary account holder), you’ll earn rewards on your Additional Card Member’s purchases the same way you do on your own Card, so the rewards can really add up.

Additional Card Members can also share many of the same benefits, such as:

• Access to the American Express Global Lounge Collection
• Complimentary elite status at select hotels
• Global Entry or TSA PreCheck ® fee credits

For Platinum Card Members who prefer a streamlined supplementary card, Companion Platinum Cards ® are also an option with no added annual fee. However, it’s important to keep in mind that Companion Card Members may not get all the same benefits as an Additional Card Member.

Remember: While Additional Card Members are not account owners, they are authorized to use the primary Card Member’s account. The primary Card Member is responsible for all spending activity and must pay for all charges made by Additional Card Members.

The Takeaway

The Platinum Card by American Express has a $695 annual fee that works out to about $58 a month. At the same time, the Platinum Card has over $1,500 in value across an elevated suite of benefits – on top of the traditional benefits that have kept Platinum at the forefront of luxury travel credit cards. You can also add an Additional Card Member for an annual fee of $195 or a Companion Card Member at no added cost.

Show Article Sources

1 For more on Rates and Fees for The Platinum Card ® , click here .

2 American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.

3 For more on Offer & Benefit Terms for The Platinum Card ® , click here .

Megan Doyle  is a business technology writer and researcher whose work focuses on financial services and cross-cultural diversity and inclusion.

All Credit Intel  content is written by freelance authors and commissioned and paid for by American Express. 

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The material made available for you on this website, Credit Intel , is for informational purposes only and intended for U.S. residents and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.

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