
Amex Platinum
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Flights | 5x | 7% |
| Everything else | 1x | 1.4% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (12)
$600 Hotel Credit
Get up to $300 in statement credits semi-annually (up to $600 annually) when you use your Platinum Card to prepay for eligible bookings through American Express Travel at Fine Hotels + Resorts or The Hotel Collection.
$400 Resy Credit
Get up to $100 in statement credits each quarter when you use your Platinum Card at U.S. Resy restaurants and for other eligible purchases through Resy. That's up to $400 annually. Enrollment required.
Delta Sky Club Access
Get 10 complimentary Delta Sky Club visits per calendar year when you access the Club on a Delta-operated flight. Visits reset each January 1. Guest access may be available for an additional fee.
$25 Monthly Digital Entertainment Credit
Get up to $25 in monthly statement credits when you pay for select digital subscriptions with your Platinum Card. Eligible services include Disney+, ESPN+, Hulu, The New York Times, Peacock, Paramount+, YouTube Premium, YouTube TV, and more. Enrollment required.
$300 Equinox Credit
Up to $300 in statement credits annually for Equinox fitness club membership
$300 Lululemon Credit
Get up to $75 in statement credits each quarter when you use your Platinum Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 annually. Enrollment required.
CLEAR Plus Credit
Receive up to $209 back per calendar year when you use your Card to pay for a CLEAR Plus membership. CLEAR Plus lets you use your eyes or fingerprints to verify your identity and move through security faster at 50+ airports and stadiums nationwide.
$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® account.
$15 Monthly Uber Credit
Up to $200 in Uber Cash annually ($15 per month, $35 in December)
$200 Oura Ring Credit
Receive up to $200 in statement credits each calendar year when you use your Platinum Card to purchase an Oura Ring at Ouraring.com. The Oura Ring is a smart ring to track and improve your sleep and overall health. Enrollment required.
$12.95 Monthly Walmart+ Credit
Get up to $12.95 in statement credits each month when you pay for a monthly Walmart+ membership with your Platinum Card. That's up to $155 in value annually.
$120 Global Entry/TSA PreCheck Credit
Receive up to $120 in statement credits every 4 years when you use your Platinum Card to pay for your Global Entry ($120) or TSA PreCheck ($78) application fee.
Status & Elite Perks (4)
Centurion Lounge Access
Complimentary access to Centurion Lounges worldwide
$120 Uber One Membership
Get up to $120 in statement credits each calendar year when you use your Platinum Card to pay for the full cost of an auto-renewing Uber One membership. Unlock discounts on rides and $0 delivery fees on Uber Eats. Enrollment required. Note: Using Uber Cash to pay will make the purchase ineligible for the credit.
Hilton Honors Gold Status
Complimentary Hilton Honors Gold Status. Enjoy benefits like room upgrades upon check-in when available, bonus points earning, and late checkout.
Marriott Bonvoy Gold Elite Status
Complimentary Marriott Bonvoy Gold Elite Status. Enjoy benefits like room upgrades upon check-in when available, late checkout, and bonus points earning.
Protections (9)
Trip Delay Insurance
Up to $500 per covered trip for reasonable additional expenses (meals, lodging, toiletries, medication) when your trip is delayed more than 6 hours. Maximum of 2 covered trips per consecutive 12-month period. Round trip must be purchased entirely with the Platinum Card.
Trip Cancellation and Interruption Insurance
Up to $10,000 per covered trip and up to $20,000 per 12-month period for non-refundable expenses when a trip is cancelled or interrupted for a covered reason. Trip must be purchased entirely with the Platinum Card.
Baggage Insurance Plan
Coverage for lost, damaged, or stolen baggage: up to $2,000 per person per trip for checked bags, with a combined maximum of $3,000 for checked and carry-on bags. High-risk items such as jewelry, cameras, and electronics are covered up to $1,000 per person per covered trip. Entire fare must be charged to the Platinum Card.
Car Rental Loss and Damage Insurance
Secondary coverage for damage or theft of a rental vehicle, up to $75,000 per rental agreement, for rental periods of up to 42 days. You must decline the rental company collision damage waiver and pay with the Platinum Card. Not available in Australia, Italy, and New Zealand. Primary coverage is available separately through the paid Premium Car Rental Protection program.
Purchase Protection
Covers eligible purchases against accidental damage, theft, or loss for 90 days from the date of purchase. Up to $10,000 per covered purchase and up to $50,000 per eligible card account per calendar year.
Extended Warranty
Adds up to one extra year of coverage on eligible U.S. manufacturer warranties of 5 years or less, up to $10,000 per item and up to $50,000 per eligible card account per calendar year.
Return Protection
If a merchant will not accept a return within 90 days of purchase, American Express may refund the full purchase price up to $300 per item and up to $1,000 per card member account per calendar year.
Cell Phone Protection
Reimburses repair or replacement costs following damage or theft, up to $800 per claim with a maximum of 2 approved claims per 12-month period. A $50 deductible applies to each approved claim. Your cell phone line must be listed on a wireless bill and the prior month bill must have been paid with the Platinum Card.
Premium Global Assist Hotline
24/7 hotline for medical, legal, financial, and translation referrals when traveling more than 100 miles from home. Emergency medical transportation and evacuation is provided at no cost when arranged by Premium Global Assist. The cost of medical treatment itself is not covered.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 25 Amex Platinum benefits automatically — redemption progress, reset dates and expiry alerts.