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The Platinum Card from American Express

American Express·$895/yr·20 benefits·No FTF
Total Benefit Value
$4,032/yr
Annual Fee
$895
Avg Left on Table
$2,968/yr

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

175,000points/miles
Spend $12,000 in 6 months · est. $3,500 value

All Benefits (20)

Statement Credits

Digital Entertainment Credit

Up to $25/mo for Disney+, Hulu, ESPN, NYT, Paramount+, Peacock, WSJ, YouTube Premium/TV

Enrollment required: Enroll through Amex benefits portal

$300/yr
monthly
Resy Dining Credit

Up to $100/quarter at Resy-partnered restaurants

Enrollment required: Enroll through Amex account

$400/yr
quarterly
Hotel Credit

Up to $300 semi-annually at Fine Hotels + Resorts or The Hotel Collection

$600/yr
semi_annual
Lululemon Credit

Up to $75/quarter at lululemon

Enrollment required: Enroll through Amex benefits portal

$300/yr
quarterly
Saks Fifth Avenue Credit

$50 semi-annually at Saks Fifth Avenue

$100/yr
semi_annual
Walmart+ Credit

Up to $12.95/mo covering Walmart+ membership

Enrollment required: Enroll through Amex benefits portal

$155/yr
monthly
Global Entry / TSA PreCheck CreditHidden

Up to $120 every 4 years for Global Entry or TSA PreCheck

$30/yr
multi_year
Uber Cash Credit

$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

$180/yr
monthly
Airline Fee Credit

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

$200/yr
annual
CLEAR Plus Credit

Up to $209/yr CLEAR Plus membership credit

Enrollment required: Pay for CLEAR Plus with Platinum Card

$209/yr
annual
Equinox Credit

Up to $300/yr toward Equinox membership

Enrollment required: Enroll through Amex benefits portal

$300/yr
annual
Oura Ring Credit

Up to $200/yr toward Oura Ring products or membership

Enrollment required: Enroll through Amex benefits portal

$200/yr
annual

Insurance & Protection

Car Rental Loss & Damage InsuranceHidden

Secondary car rental coverage up to $75,000

$125/yr
ongoing
Trip Cancellation/Interruption InsuranceHidden

Up to $10,000 per trip, $20,000 per year

$100/yr
ongoing
Purchase ProtectionHidden

Up to $10,000 per occurrence, $50,000 per year, 90 days

$100/yr
ongoing
Cell Phone ProtectionHidden

Up to $800/claim, $50 deductible, 2 claims/year

$83/yr
ongoing

Travel Perks

Centurion Lounge Access

Unlimited access to Centurion Lounges for cardholder + 2 guests

$300/yr
ongoing
Priority Pass Select

Priority Pass Select membership with unlimited visits

$200/yr
ongoing
Hotel Elite StatusHidden

Marriott Bonvoy Gold + Hilton Honors Gold + Leaders Club Sterling

$100/yr
ongoing

Account Perks

No Foreign Transaction Fees

No foreign transaction fees on international purchases

$50/yr
ongoing

Earning Rates

CategoryRate
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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