The average Amex Platinum holder leaves $2,968/yr on the table
Based on typical usage rates across 20 benefits. Your number could be higher or lower.
Welcome Bonus
All Benefits (20)
Statement Credits
Up to $25/mo for Disney+, Hulu, ESPN, NYT, Paramount+, Peacock, WSJ, YouTube Premium/TV
Enrollment required: Enroll through Amex benefits portal
Up to $100/quarter at Resy-partnered restaurants
Enrollment required: Enroll through Amex account
Up to $300 semi-annually at Fine Hotels + Resorts or The Hotel Collection
Up to $75/quarter at lululemon
Enrollment required: Enroll through Amex benefits portal
$50 semi-annually at Saks Fifth Avenue
Up to $12.95/mo covering Walmart+ membership
Enrollment required: Enroll through Amex benefits portal
Up to $120 every 4 years for Global Entry or TSA PreCheck
$15/mo Uber Cash ($180/yr base; up to $200 with the Dec bonus) + up to $10/mo Uber One credit ($120/yr); max $320
Enrollment required: Add Platinum Card to Uber account
Up to $200/yr in incidental airline fee credits on one selected airline
Enrollment required: Select one qualifying airline per calendar year through Amex account
Up to $209/yr CLEAR Plus membership credit
Enrollment required: Pay for CLEAR Plus with Platinum Card
Up to $300/yr toward Equinox membership
Enrollment required: Enroll through Amex benefits portal
Up to $200/yr toward Oura Ring products or membership
Enrollment required: Enroll through Amex benefits portal
Insurance & Protection
Secondary car rental coverage up to $75,000
Up to $10,000 per trip, $20,000 per year
Up to $10,000 per occurrence, $50,000 per year, 90 days
Up to $800/claim, $50 deductible, 2 claims/year
Travel Perks
Unlimited access to Centurion Lounges for cardholder + 2 guests
Priority Pass Select membership with unlimited visits
Marriott Bonvoy Gold + Hilton Honors Gold + Leaders Club Sterling
Account Perks
No foreign transaction fees on international purchases
Earning Rates
| Category | Rate |
|---|---|
Flights (direct or Amex Travel) Must book directly with airline or through Amex Travel. Third-party sites earn 1x. | 5x |
All other purchases Excludes cash equivalents, gift cards, fees, interest. | 1x |
Prepaid hotels (Amex Travel) Must be prepaid bookings through Amex Travel only. No spend cap (the $500K/calendar-year cap applies to the flights rate only). | 5x |
6 Hidden Benefits Most People Miss
- Global Entry / TSA PreCheck Credit: $30/yr
- Car Rental Loss & Damage Insurance: $125/yr
- Trip Cancellation/Interruption Insurance: $100/yr
- Purchase Protection: $100/yr
- Cell Phone Protection: $83/yr
- Hotel Elite Status: $100/yr
How much are you leaving on the table?
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