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Travel forward with Platinum

There’s no going back to travel as usual. Enjoy benefits that elevate more of life’s moments.

5X points for flights

Per dollar spent on flights purchased directly from airlines or American Express Travel on up to $500,000 per calendar year.

5X points for prepaid hotels

Per dollar spent on prepaid hotel purchases, booked, and paid in advance, online at AmexTravel.com .

1X points on everything else. Per dollar spent on all other eligible purchases.

Enjoy Platinum benefits for every part of the journey

$200 Airline Fee Credit

Get up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by one selected airline to your Platinum Card Account. Airline selection required.

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.

International Airline Program

As a Platinum Card® Member, you can get exclusive access to lower fares for you and your travel companions when you book select First, Business, or Premium Economy class tickets on International itineraries with the International Airline Program through American Express Travel®.

American Express Global Lounge Collection

When you’re seeking a place to rest and recharge while traveling, enjoy access to more than 1400+ lounges across 650+ cities, and 140 countries around the world.

With Lounge Finder, you can locate and check into nearby airport lounges based on your location. To gain entry, simply use the Amex®️ App to display a QR code within Mobile Check-In.

$189 CLEAR® Credit

CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus membership* with up to $189 in statement credits per year after you pay for CLEAR Plus with your Platinum Card.

*Excluding any applicable taxes and fees. Subject to auto-renewal.

Global Entry or TSA PreCheck®

Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Platinum Card.

If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee for a five-year membership every 4 years for Global Entry or every 4.5 years for TSA PreCheck. To receive the statement credit, the application fee must be charged on the eligible Additional Card.

To read the full terms and conditions, visit www.americanexpress.com/expeditedtravel .

Car Rental Privileges

Enjoy complimentary premium status for a number of car rental programs. Once enrolled in a program, receive upgrades when available, discounts, and priority service for your next car rental at participating locations.

Enrollment required. See terms & conditions for more details.

Premium Travel Service

Enjoy personalized travel planning from Platinum Travel Services. Call 800-525-3355 to speak with a Travel Counselor.

$200 Uber Cash

With your Platinum Card, you’ll receive $15 in Uber Cash for U.S. rides with Uber and orders with Uber Eats every month in the U.S., plus a $20 bonus in December, delivered straight through an exclusive Uber app experience. That’s up to $200 in annual savings.

Simply download the Uber app and add your Platinum Card to your Uber account to get started.

Global Dining Access by Resy

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.

Learn more at resy.com/globaldiningaccess , or log into the Resy app to take advantage.

Premium Events Collection

As a Platinum Card® Member, you have access to Premium Events Collection™, which allows you to purchase tickets to see inspiring exhibits, attend some of the world’s biggest sporting events, experience acclaimed restaurants and more. Premium Events Collection™ experiences are customized and are not available to the general public. Visit American Express Entertainment online for details.

Elevate your stay

$200 Hotel Credit

Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel when you pay with your Platinum Card®.

*The Hotel Collection requires a minimum two-night stay.

Fine Hotels & Resorts

When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts®. When you book through American Express Travel, you’ll receive a suite of benefits with an average total value of $600* in perks, like daily breakfast for two, 4pm check-out, and more. Plus, book on AmexTravel.com and you can earn 5X Membership Rewards® points, or use Pay with Points, on prepaid stays.

*Average value based on Fine Hotels + Resorts bookings in 2022 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4pm late checkout, noon check-in when available, and welcome amenity at select properties. Certain room categories not eligible for upgrade. $100 amenity and welcome amenity vary by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

Complimentary 3rd Night at Select Hotels

Celebrate your membership and 40 years of the Platinum Card® with access to a complimentary 3rd night at 200+ Fine Hotels + Resorts® and The Hotel Collection properties booked through American Express Travel®. Travel dates and terms apply.

The Hotel Collection

Every property in The Hotel Collection was handpicked with design in mind. Find a hotel that suits your style and enjoy signature perks like a $100 experience credit* when you book a 2-night stay with American Express Travel.

*Experience credit varies by property.

Hilton Honors Elite Status

With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points. Terms apply.

Marriott Bonvoy Gold Elite Status

Upgrade to Gold Status. With Marriott Bonvoy Gold Elite Status, you can receive upgrades to enhanced rooms upon check-in when available.*

Plus, earn 10 points per eligible U.S. dollar spent and a 25% bonus over base-level members. Late checkout up to 2pm, subject to availability at resort and conference center hotels. Receive a welcome gift of points upon arrival.

*Subject to availability at check-in for the length of the stay, provided the room was not booked through a pre-paid third-party channel.

Explore Cruises and Custom Vacations with American Express Travel

Platinum Destinations® Vacations

Craft the adventure of a lifetime with American Express Travel®. From safaris on the Serengeti to sailing in Santorini, savor the wonders of the world with custom itineraries and personalized service, and earn 2X Membership Rewards® points on eligible bookings made through American Express Travel®. With Platinum Destinations® Vacations, each trip you take gets you closer to the next.

Cruise Privileges Program

Platinum Card® Members receive valuable benefits on eligible sailings of 5 nights or more with participating cruise lines when booking through American Express Travel or AmexTravel.com . † Up to $300 onboard credit per stateroom to use toward dining, spa and more. One unique amenity per stateroom. Earn 2X Membership Rewards® points per booking through American Express Travel. Available only for Platinum Card and Centurion Members.

† Ship and stateroom exclusions apply, please see full terms and conditions.

Custom Travel Planning

Enjoy personalized itineraries, world-class service, and get one extra Membership Rewards® point for every eligible dollar you spend on a qualifying vacation package.

Plan, book, and travel your way

From exploring new destinations to booking them, do it all in one place with American Express Travel.

Travel with more support and confidence

Trip Cancellation and Interruption Insurance

Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.*

*Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Trip Delay Insurance

If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.*

Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.

Car Rental Loss and Damage Insurance

Can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use Your Eligible Card to reserve and pay for an Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Premium Global Assist Hotline

When you're traveling more than 100 miles from home, Premium Global Assist can coordinate help on a select range of issues, including medical and legal.

Call ahead of your trip for important information specific to your destination. Our representatives will help you find a solution, or refer you to someone who can. Terms apply.

Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.

No Foreign Transaction Fees

No matter where you're traveling, there are no foreign transaction fees when you use your Card.

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• Amex Platinum Card

The Amex Platinum Card’s Concierge Service – All You Need To Know

Katie Seemann

Senior Content Contributor and News Editor

350 Published Articles 54 Edited Articles

Countries Visited: 28 U.S. States Visited: 29

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3241 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Director of Operations & Compliance

6 Published Articles 1178 Edited Articles

Countries Visited: 10 U.S. States Visited: 20

Table of Contents

Benefits of the amex platinum card, platinum card concierge service, what can the platinum card concierge do for you, platinum card concierge contact information, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Have you ever been stuck in a meeting while those coveted concert tickets went on sale? Ever needed to send flowers to a loved one? Or maybe you’ve needed last-minute dinner reservations in an unfamiliar city? If so, consider the value you might find in the Platinum Card Concierge service.

Before focusing on the Platinum Card Concierge service, here’s a quick peek at some of the other benefits of the Amex Platinum card .

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

Apply With Confidence

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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 with American Express Travel when you pay with 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.
• $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 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 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), 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.)

Other Key Benefits:

• Airport lounge access , including Centurion Lounges and a Priority Pass Select membership
• Hotel elite status : Hilton Honors Gold and Marriott Bonvoy Gold
• Access to The Hotel Collection and Fine Hotels & Resorts
• Car rental privileges and insurance benefits
• Purchase protection and extended warranty
• Travel insurance and lost baggage insurance

Hot Tip: If you’re a small business owner, check out our full review of the Amex Business Platinum card .

The Platinum Card Concierge promises to be a resource, day or night, for almost anything you can think of. Whether it’s tickets to a concert or a teddy bear for your significant other, they are ready to assist.

The Platinum Card Concierge is there for you to help you with whatever you may need:

• Use the concierge to book theater tickets to avoid some booking fees
• Book tickets to a sold-out show
• Reserve tables in otherwise booked restaurants
• Request travel guides for any location
• Send a last-minute gift or flowers to someone special
• Get help planning an event
• Research specific requests: restaurant with a patio, vegan restaurant in Toronto, wedding venue that can hold 1,000+ people
• Search for a specialist: a contractor with great ratings, a pet groomer that will come to your home, a caterer that only uses organic food

While there is no cost to you for the Platinum Card Concierge services, you are responsible for any purchases, fees, and/or shipping charges you authorize to be charged .

After making a request, you will get all the requested information emailed to you, usually within 48 hours.

Remember that the concierge may not be able to help you with all requests — a restaurant may indeed be fully booked up or a concert at capacity. While you can certainly hope the concierge will help with your request (and many times they do), there are occasions where your request simply can’t be honored.

Don’t Confuse the Platinum Card Concierge With AmexTravel.com

AmexTravel.com and the Platinum Card Concierge are separate entities. So, if you need to book a flight, hotel, or rental car, contact AmexTravel.com. Otherwise, try out the Platinum Card Concierge.

It can get a little confusing when you are following the prompts on the phone. However, they can easily transfer you to the correct department if you end up in the wrong place.

You should note that if you have any requests dealing with travel, you should ask to speak with the travel department right away — the concierge team will defer travel requests, even those that are minor, to the folks who specifically handle travel.

In the U.S., call 800-525-3355. From there, an automated voice prompt will ask you what you need — and you can say anything like “flowers,” “dining,” “travel,” “reservations,” and more. The system will direct your call to the agent handling those types of requests.

You can also dial the number on the back of your Platinum Card and select Concierge.

For international, collect calls, dial 617-622-6756.

Hot Tip: The ability to email Platinum Card Concierge ended on August 18, 2021. All requests must now be submitted over the phone. 

You can find more information about your Platinum Card Concierge benefits online. After logging into your Amex Platinum card account, click on Rewards & Benefits in the main menu at the top.

Then click the Benefits tab.

And from there, scroll down until you see the box labeled as Platinum Card Concierge .

There’s no question that the Amex Platinum card offers lots of perks and benefits . The concierge service is one of the benefits that can often be overlooked.

This service offers you access to a concierge staff that can help you with various tasks, like purchasing event tickets, sending flowers, or even researching travel destinations.

If you haven’t tried out the Platinum Card Concierge, you may be missing out on a valuable benefit that comes with your Amex Platinum card and Amex Business Platinum card.

Take a look at this Amex Platinum offer if you think the concierge service would be beneficial to you.

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 .

Frequently Asked Questions

What is platinum card concierge service.

The concierge service from the Amex Platinum card and Amex Business Platinum card is a complimentary service that offers a well-informed concierge staff member to help you with anything from making dinner reservations to planning an event. This service is included with each card’s annual fee.

How do I contact the American Express Concierge?

To contact the Platinum Card Concierge, call 800-525-3355. If you are international and need to call collect, call 617-622-6756. You can also call the number on the back of your card and select Concierge from the list of options.

How much does the Amex concierge cost?

You can utilize the services of the concierge at no cost, but you’ll be responsible to pay for any tickets, goods, or services that they’re purchasing for you.

Can I text the Platinum Card Concierge?

The only way to contact the concierge is over the phone.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:

Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.

Baggage insurance: Within 30 days, call 800-228-6855 or online .

Rental car insurance: Within 30 days, call 800-338-1670 or online .

» Learn more: The guide to AmEx Platinum rental car benefits

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

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: Bank of America® Travel Rewards credit 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

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Credit cards

American Express Platinum CLEAR® Plus benefit guide 2024

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 5:44 a.m. UTC May 29, 2024

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The Platinum Card® from American Express (terms apply, rates & fees ) is widely recognized as a premier luxury card, known for its wide range of travel credits and exclusive benefits. Amex Platinum cardmembers earn Membership Rewards points, arguably the most valuable reward currency, which can be redeemed for flights, hotels and more. One of its most unique perks is the statement credit for a CLEAR ® Plus membership, worth up to $189 each calendar year (subject to auto-renewal). In this guide, we’ll tell you more about this benefit and how it can enhance your travel experience.

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The Platinum Card® from American Express

Welcome bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Over $1,500 in travel and entertainment credits can offset the annual fee.
• Comprehensive lounge access benefit.
• Generous travel and purchase protections.
• High annual fee and spending requirements.
• Amex’s once-per-lifetime rule limits welcome bonus eligibility.
• Annual statement credits have limited use.

Card details

• 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 with American Express Travel when you pay with 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.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 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 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), 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.

Amex Platinum Card overview

The Amex Platinum card is a high-end card that offers a substantial welcome bonus, exclusive travel perks and over $1,500 in statement credits, including an annual CLEAR Plus statement credit of up to $189 and Uber Cash. You can also take advantage of various extras such as an airline incidental fee statement credit and Membership Rewards® points .

The Amex Platinum card is perfect for individuals willing to invest in a higher annual fee of $695 in return for a wide range of rewards and exceptional benefits. While there are many travel rewards cards , none provide as many travel benefits as the Amex Platinum card.

What is the Amex Platinum CLEAR Plus credit?

With the American Express Platinum card’s CLEAR Plus credit, you will receive an annual statement credit of $189, which completely covers the cost of a membership for an entire year. 

Since the credit renews annually, you’ll enjoy a complimentary CLEAR ® Plus membership each year, as long as you use the card to pay for the CLEAR membership enrollment fee (subject to auto-renewal).

About CLEAR Plus

CLEAR is a membership program that offers the convenience of expedited screening at airports, event venues, stadiums and other locations.

CLEAR Plus, also known as “CLEAR,” uses biometric information, such as fingerprints and/or iris scans, to verify members’ identity and bypass the security lines at U.S. airports and venues nationwide.

Although TSA security is still required, CLEAR allows passengers to bypass the step of presenting an ID and instead have their identification verified at a convenient kiosk. Once verified, a CLEAR representative will escort you to the front of the security line.

You can pair CLEAR with TSA PreCheck® to get through airport security even faster. If you have PreCheck you’ll go to the PreCheck screening lane instead of the standard screening. This means shorter lines and you don’t have to remove your shoes or take your laptop out of your carry-on bag. The Amex Platinum Card also offers an application fee statement credit of up to $100 for a Global Entry fee application credit or a statement credit of up to $85 every 4.5 years after you apply for a five-year membership for TSA PreCheck®.

Which credit cards offer trusted traveler credits? Here’s a guide to the best credit cards for Global Entry and TSA PreCheck

How does the Amex Platinum CLEAR Plus credit work?

To be eligible for the up to $189 statement credit for a CLEAR Plus membership, you must apply for CLEAR Plus online, pay the $189 membership fee using your qualifying Amex Platinum card and complete your enrollment at an airport kiosk. 

After the payment is processed, you can expect to receive your statement credit within a few days. However, please note that American Express has mentioned it may take up to 6-8 weeks in some cases.

How to use your Amex Platinum CLEAR Plus credit

Using your Amex Platinum CLEAR Plus statement credit is quite simple. 

To get started, you’ll need to apply for CLEAR ® Plus . Applicants must be at least 18 years old and the online application process can be completed in just a few minutes. 

After completing the application, you must use your Amex Platinum card to qualify for the credit. 

After completing enrollment and payment, you can easily finalize enrolling in CLEAR Plus by visiting any CLEAR airport location during your next flight. No appointment is necessary, but remember to bring your government-issued I.D..

During the final enrollment process, a CLEAR representative will kindly assist you by scanning your face, logging your fingerprint and requesting a copy of your boarding pass. The process only takes a few minutes of your time, so there’s no need to arrive excessively early for your flight just to complete your CLEAR enrollment.

Maximizing your CLEAR Plus credit: Get multiple memberships with your CLEAR benefit

The regular cost for a CLEAR Plus membership is $189 per year. Nevertheless, there are strategies to maximize your CLEAR Plus credit and get a reduced rate on a CLEAR Plus membership.

To begin, every person 18 or older must have their own CLEAR Plus membership if they want to enjoy expedited screening through CLEAR. Children under 18 are not required to have their own CLEAR Plus membership. Instead, they are automatically covered under their parent’s CLEAR Plus membership.

Since your Amex Platinum card only gives you one CLEAR Plus credit per year, here are some other ways to get a complimentary or discounted CLEAR Plus membership. 

• Annually, Delta SkyMiles Diamond Medallion® members receive a complimentary CLEAR Plus membership. 
• Annually, United MileagePlus Premier 1K members receive a complimentary CLEAR Plus membership. 
• Delta SkyMiles Platinum, Gold and Silver Medallion members and those who possess a co-branded Delta SkyMiles Credit Card can purchase a discounted CLEAR Plus membership for $149.
• United MileagePlus Platinum, Gold and Silver Premier members and those who have a co-branded United MileagePlus Credit Card can get a discounted CLEAR Plus membership for $149.
• Members of the Delta SkyMiles or United MileagePlus loyalty programs receive a $179 annual discount on CLEAR Plus membership.
• Active duty military personnel and veterans can enjoy a CLEAR Plus membership for $99 annually.

Additional Amex Platinum benefits worth noting for your next trip

Marriott and hilton elite status.

As one of the best travel rewards cards , the Amex Platinum card allows you to obtain mid-tier elite hotel status with two of the biggest hotel chains in the world just for keeping your card. 

The Platinum Card provides a range of travel perks, including Hilton Honors Gold and Marriott Bonvoy Gold elite status (upon enrollment). This elite status may include perks such as bonus points, upgrades and complimentary breakfast when staying at Hilton and Marriott hotels.

Up to $100 statement credit for enrolling in Global Entry or TSA PreCheck

In addition to CLEAR Plus, most passengers enroll in TSA PreCheck to get the best possible expedited screening at the airport. With this combo, you can quickly go to the front of the TSA line and avoid a long security queue. 

In addition to the annual up to $189 CLEAR Plus statement credit that comes with the Amex Platinum card, cardholders may also get either a credit for Global Entry ($100) every four years or a credit for TSA PreCheck ($85) every 4.5 years (for a 5-year TSA PreCheck plan only). 

Note that you receive TSA PreCheck automatically when enrolling in Global Entry, so for most people it’s best to register for Global Entry and take advantage of a seamless screening process next time you’re at the airport. 

Access to Airport Lounges

Worldwide lounge access is not limited to flying a specific airline or purchasing a business or first-class ticket. With your Amex Platinum card, you can access over 1,400 lounge properties in 140 countries worldwide. This includes the extensive network of Priority Pass lounges (enrollment required) and access to Amex’s swanky Centurion Lounges , along with the Delta Sky Clubs (available when flying Delta on the same day).

Travel protections

If any issues arise during your travels, rest assured that Amex Platinum cardmembers are provided with comprehensive travel protections.

If your trip is delayed for over six hours due to a covered reason, you may be eligible for reimbursement of up to $500 per covered trip, with up to two claims per consecutive 12-month period¹. Even worse, if your trip is canceled or interrupted for a covered reason, you may be able to get up to $10,000 back per covered trip and $20,000 back per card every 12 months².

Frequently asked questions (FAQs)

An up to $189 CLEAR Plus statement credit is available on four American Express cards: The American Express Platinum Card, the American Express Corporate Platinum Card, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) and the American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply).

All information about American Express® Green Card and The Business Platinum Card® from American Express has been collected independently by Blueprint.

The CLEAR Plus airport service costs $189 per year, while the general CLEAR service is available for free at stadiums and arenas across the U.S. after signing up and downloading the app.

If you often travel from participating airports and value efficiency in getting through security, CLEAR Plus is a worthwhile investment — especially when you can get it for free.

While CLEAR is a private company that operates at more than 50 airports, stadiums and other events nationwide, TSA PreCheck is provided by the government at more than 200 airports. 

CLEAR can expedite your access into airports, stadiums and other events, whereas TSA PreCheck just speeds up your experience going through airport security.

You will receive a complimentary CLEAR ® Plus membership each year you hold certain Amex cards, such as the Amex Platinum card, as the credit renews each year (enrollment is required). The American Express CLEAR Plus credit provides a $189 statement credit that completely covers the cost of a one-year CLEAR ® Plus membership.

For rates and fees for The Platinum Card® from American Express please visit this page .

¹Up 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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

²The 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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

*The information for the American Express® Green Card and The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Juan is a freelance editor and writer who specializes in topics such as credit cards, travel, and loyalty programs. You can find his writing on a variety of websites like CNN, Forbes, The Points Guy, and many more. When Juan isn’t busy creating content, he loves going on exciting travel adventures around the world with his wife and three young daughters. You can connect with Juan on Twitter and Instagram as @doubledutydaddy.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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How to use the American Express Platinum Equinox credit

Editor's Note

When you think of premium cards, The Platinum Card® from American Express is probably one that comes to mind first. And while the card's $695 annual fee (see rates and fees ) is certainly eye-watering, it comes with plenty of perks to make the value well worth the cost to cardholders.

One of these perks is the $300 Equinox credit. American Express Platinum cardmembers receive an Equinox statement credit of up to $300 per calendar year. Enrollment is required and subject to auto-renewal. Terms apply. Here's how it works and how to use it.

Related: Your guide to the Amex Platinum Saks Fifth Avenue credit

What is the Amex Platinum Equinox credit?

Equinox is a luxury fitness club with hundreds of locations in the U.S., Canada and the U.K. You'll find them mostly in major cities, but Equinox is headquartered in New York City. Accordingly, there are 41 locations in New York City alone.

With the Amex Platinum , you'll get an annual up to $300 statement credit with Equinox. This benefit is one per Platinum account, meaning that even if you have authorized users, you'll still only get one credit.

If you don't live near an Equinox (or aren't interested in paying a premium for your gym), it's important to note that the $300 credit can also apply to the Equinox+ app. According to Amex, here's everything eligible for reimbursement with the Amex Platinum Equinox credit:

• Equinox Single Club Access membership fees
• Equinox Regional Access membership fees
• Equinox All-Access membership fees
• Equinox Destination membership fees
• E by Equinox membership fees
• Equinox+ app membership fees

Related: At home or at the gym: The best credit cards to maximize your next workout

How to use the Amex Platinum Equinox credit

Whether you're already an Equinox member or a first-timer, you'll follow the same process to use the Amex Platinum Equinox credit.

First, visit platinum.equinox.com to enroll in the benefit. Existing members will log in with their Equinox account, while new members will be prompted to select an eligible plan. You can choose either the in-person experience (gym membership) or the digital experience (Equinox+ app).

The table below breaks down the cost of each membership and service. While the membership cost could vary if you join in person, the all-access and destination memberships seem pretty standard across the board when joining online.

After activating the benefit, you must charge your Equinox or Equinox+ fees to your Platinum Card. You'll usually receive your statement credit within a few days but it can take up to eight weeks.

Related: A guide to the Amex Platinum Walmart+ benefit

FAQs on Amex Platinum Equinox credit

Which memberships are eligible for the Amex Platinum Equinox credit?

Card Members can get up to $300 via statement credit each year when they pay for Equinox+, the digital fitness app with live and on-demand classes, or any Equinox club membership with their Platinum Card .

Which memberships are not eligible for the Amex Platinum Equinox credit?

Daypasses and online purchases on Equinox's website do not count toward this credit. Some other exclusions may apply, so it's best to check with Amex if you're unsure if your membership qualifies.

What benefits do I get with the Equinox+ app?

You'll get access to an extensive portfolio of classes from Equinox and its many brands, including SoulCycle, Pure Yoga, Precision Run, HeadStrong, Rumble, TB12 and Solidcore. There are also live Equinox and SoulCycle classes available. Keep in mind, you will not receive the statement credit on your Equinox+ membership if you purchase your membership within the Equinox+ app or through a third party.

How do I use my Amex Platinum Equinox credit?

Once you confirm your membership is valid for the statement credit, you must activate the benefit through platinum.equinox.com and charge your monthly bill to your Amex Platinum card.

Related: 10 things to do when you get the Amex Platinum

Bottom line

If you don't live in a big city with a physical Equinox location near you, the $300 annual Equinox credit takes a sizable chunk off the cost of the Equinox+ app membership, which is nice for those who prefer at-home workouts. The Equinox+ app offers excellent fitness classes and much more to help you get the most out of every session. It's also worth noting that there's a seven-day free trial of the app , so you can test it out before you decide to commit.

To learn more, read our full review of the Amex Platinum .

Apply here: Amex Platinum

Related: How to use the Amex Platinum digital entertainment credit

For rates and fees of the Amex Platinum card, click here

3 dream trips you can take with 100,000 Amex Membership Rewards Points

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit  americanexpress.com  to learn more.

Let’s say you recently applied for one of the most legendary cards on the market— the Platinum Card by American Express —and scored a hefty, six-figure welcome bonus. 

As a well-informed credit card aficionado, you know that those American Express Membership Rewards Points are worth a measly 0.6 cents per point if you opt for a cash-back redemption, but can be worth a lot more if saved toward your next vacation. But where should you go? 

Amex has so many transfer partners that it can be genuinely tricky to a) consider which partners will maximize the value of your points and b) plan out your next adventure from there. That’s why Fortune Recommends decided to do the hard work for you. From petting wombats outside Sydney to neon-soaked tours of Tokyo, here are three dream trips you can take with 100,000 Membership Rewards Points.

The Platinum Card® from American Express

See Rates and Fees

Intro bonus

Reward Rates

• 5X 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)
• 5X Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel
• 1X Earn 1x points on other eligible purchases
• Packed with valuable potential credits for digital entertainment, Uber Cash, Walmart+ membership, and more.
• Airport lounge access with a larger network than any other card
• Membership Rewards are valuable due to their flexibility.
• The multiple potential credits can be cumbersome to track.
• Sky-high annual fee
• Some of the perks can be hard to use if they don’t align with your lifestyle.

Other benefits

• Travel benefits including hotel and car rental chain statuses, car rental insurance, trip cancellation/interruption and travel delay protection
• Consumer protections including extended warranty and return protection

1. Order life-changing ramen in Tokyo

If you’ve read our guide on the best redemption options for Membership Rewards, you’ll know that your best option—by far—is to transfer your points to an airline or hotel loyalty program. 

Amex has 21 transfer partners as of this writing, including 18 airlines and three hotel chains (complete list below). Unless otherwise stated, you can transfer 1,000 Membership Rewards Points (MRP) in exchange for 1,000 partner points, meaning a 1:1 transfer rate.

Airline partners

• AeroMexico (1,000 MRP to 1,600 AeroMexico Rewards Points)
• AIR FRANCE KLM
• ANA Mileage Club
• Avianca LifeMiles
• British Airways Executive Club
• Cathay Pacific
• Delta Air Lines
• Emirates Skywards
• Etihad Guest
• HawaiianMiles
• Iberia Plus
• JetBlue TrueBlue (250 MRP to 200 TrueBlue points)
• Qantas Frequent Flyer (500 MRP to 500 Qantas Points)
• Qatar Airways Privilege Club
• Singapore Airlines KrisFlyer
• Virgin Atlantic Flying Club

Hotel partners

• Choice Privileges
• Hilton Honors (1,000 MRP to 2,000 Hilton Honors Points)
• Marriott Bonvoy

Now, how does this chart help you order comfortingly hot, gloriously authentic ramen in Tokyo? 

Well, the trick to redeeming Membership Rewards Points is to know which partner has the most valuable points. Japan’s largest airline ANA, for example, has points that can sometimes be worth well over 2 cents per point (CPP) each. That means a flight from JFK to Tokyo—which would normally cost you well over $800—may cost you as little as 40,000 ANA Mileage Club Miles round trip . See the example from my own research below:

That means if you have 100,000 Membership Rewards points at your disposal–and you’re flexible on dates–you and a companion could fly all the way around the world with 20,000 Membership Rewards points to spare. 

From there, you can take a Mt. Fuji tour by day…

… and explore the world’s largest city by night, sipping tonkotsu broth before you embark on your Winter Illumination Tour.

Of course, 100,000 Membership Rewards Points won’t cover 100% of your expenses the entire time you’re in Tokyo—but speaking from firsthand experience, getting to Tokyo is by far the most expensive part. Once you’re there, you’ll be pleasantly surprised to find that an authentic bowl of ramen costs around ¥1200 or roughly $7.60. 

Oh, and if you’re looking to earn a generous rate of 4X Membership Rewards Points per dollar spent as you satisfy your inner foodie, remember to bring your American Express Gold Card for its dining rewards.

American Express® Gold Card

• 4x Earn 4X Membership Rewards® Points at restaurants (including takeout and delivery in the U.S.)
• 4x Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x).
• 3x Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com booked directly with the airline or on amextravel.com.
• 1x Earn 1X points on all other eligible purchases
• High rewards at U.S. supermarkets, dining in and dining out.
• Up to $120 a year in credits for eligible dining ($10 each month).
• Up to $120 a year in Uber Cash ($10 each month), good for Uber rides or Uber Eats.
• The $250 annual fee might be unpalatable to some.
• The dining credits and Uber Cash credits are doled out monthly, in $10 increments.
• Outside of dining, U.S. supermarkets and airfare, the card’s earnings are plain vanilla.
• Travel benefits including car rental insurance, trip cancellation/interruption and travel delay protection

All that being said, if you’d prefer to explore a sprawling, adventure-rich metropolis closer to home, why not spend your hard-earned MRP in the Big Apple? Here’s how.

2. Explore NYC, starting five blocks from Central Park

With New York being as expensive as it is, you might already be wondering: how far can 100,000 MRP really take you once you’re there? 

Turns out, it can get you within shouting distance of Central Park—and you won’t have to live like the cast of Rent, either. 

Thanks to a 1,000-to-2,000 transfer ratio, your 100,000 Membership Rewards Points can instantly become 200,000 Hilton Honors points. If you can save a mere 500 more Membership Rewards Points/1,000 Hilton Honors points, you’ll have exactly enough in the bank to book a three-night stay at the New York Hilton Midtown based on what my research turned up. 

Among the seemingly billions of hotel options in New York, what makes the New York Hilton Midtown special? 

Well, not only is it insanely good value for New York lodging—it’s also within a roughly 10-minute walk of Times Square, Rockefeller Center and Central Park. 

That means you and your companion can follow in the footsteps of Carrie Bradshaw, Joey Tribbiani and Buddy the Elf without ever having to hail a cab. And while a three-nighter in a New York Hilton will quickly wipe out the stash of Membership Rewards you’re working with in this example, you don’t have to pay another penny to enjoy the natural splendor of Central Park in autumn. 

Now, maybe you’re thinking Tokyo and New York are fine—but you want to spend your 100,000 Membership Rewards Points on something you feel is truly unique and special. Something you’ve never done before. Something you can tell your friends about and they’ll go you did WHAT?

If so, allow me to introduce you to the mighty Australian wombat. 

3. See the opera in Sydney and maybe pet a wombat

Beyond ANA and Hilton, another Amex partner with favorable transfer ratios is Australia’s own Qantas Airways Limited. 

After a quick search, I found a flight option from San Francisco to Sydney for $1,152 or 41,900 Miles plus $99 cash. That means 41,900 Miles covered $1,053 of the fare, or provided over 2.5 CPP each. 

Now, to set expectations, that’s 41,900 Miles one-way—so you’ll likely have to pay something out of pocket to fly both you and a companion “down under,” as well as cover lodging. 

But 100,000 Membership Rewards points (transferred 1:1 to Qantas) will still foot a massive chunk of the bill, and for further consideration, look who will be waiting for you: 

Yes, in addition to ‘roos and snakes, Australia is home to the adorable, friendly wombat. You can take a day tour from Sydney to meet both kangaroos and wombats up close before enjoying a lunch that I’d guess must involve some degree of vegemite. 

Then, in the evening, why not a twilight cruise through Sydney harbor? 

Yes, I confess again that 100,000 Membership Rewards Points won’t get you and your plus-one all the way to Australia and back, nor will it fully cover lodging while you’re there. But I wanted to highlight this option nonetheless to show just how much value Qantas is willing to give you for your Membership Rewards Points—and point out that a wombat-filled Aussie adventure could be well within your financial reach. 

The takeaway

Amex’s long list of transfer partners is a double-edged sword. On the one hand, it gives you tons of options. But on the other hand, it gives you tons of options , which can make choosing and planning the perfect trip rather tricky. 

Hopefully one day AI will help us spend our credit card rewards like a robot travel agent, running endless calculations to find the ideal redemption path. But until then, it’s a more manual process. 

At least it’s a massively rewarding one, with wombats, cherry blossoms and $1 New York slices awaiting our arrival. 

About the author

Chris is a two-time author, keynote speaker and credit card nerd helping Gens Y and Z build better lives through financial fluency and positive psychology. His writing has been featured in Fortune, Fortune Recommends, Forbes Advisor, U.S. News, ConsumerAffairs, Money Under 30 and Investor Junkie. Chris got his start in 2015 when he decided to quit his corporate job, travel to 41 countries and ask 1,000 people what happiness means to them. In 2019 he did a TEDx talk revealing his findings, and still speaks to college students today through a partnership with CAMPUSPEAK. Chris lives in Atlanta with his partner Holly and his rescue pup, Joy.

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