Amex adding valuable travel protections to certain cards
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There’s good news for anyone who holds an Amex card like The Platinum Card® from American Express or the Hilton Honors American Express Aspire Card and has a trip cancelled, delayed or interrupted. Beginning Jan. 1, 2020, Amex is adding protection for these travel setbacks to their premium cards, some of which are on our list of the best Amex cards. The information for the Hilton Aspire card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.
This is a positive change for those of us (myself included) who like to earn valuable Amex Membership Rewards points on purchases and spend them on travel. However, Amex is also reducing the extended warranty and purchase protection benefits on their cards and outright removing travel accident insurance and the roadside assistance perk.
Here’s what you need to know.
Amex adds benefits to certain cards
As of Jan. 1, 2020, Amex will reimburse cardholders for trip cancellation and interruption for up to $10,000 in nonrefundable travel expenses per trip, up to $20,000 per year. They’ll also offer reimbursement for trip delays of 6+ hours for up to $500 per trip for necessary expenses like hotels and meals.
Coverage is valid for round-trip tickets paid for entirely with your eligible Amex card, including paying taxes on an award ticket with your eligible card or Amex Pay With points tickets.
These new benefits apply to the following cards:
- The Platinum Card® from American Express
- The Business Platinum Card® from American Express
- Hilton Honors Aspire Card from American Express
- Marriott Bonvoy Brilliant™ American Express® Card
- Delta SkyMiles® Reserve American Express Card
- Delta SkyMiles® Reserve Business American Express Card
Plus, they’re adding coverage for delays of 12+ hours to the following cards:
- American Express® Gold Card
- American Express® Business Gold Card
- Delta SkyMiles® Platinum American Express Card
- Delta SkyMiles® Platinum Business American Express Card
However, also on Jan. 1, 2020, Amex cards will no longer offer travel accident insurance and roadside assistance. And there will be significant changes to the purchase protections provided by their cards. On most cards, the extended warranty will be reduced from two years to one year. And some no-annual-fee Amex cards will lose extended warranty coverage altogether. Plus, the purchase protection period currently offered by many Amex cards will go from 120 days to 90 days.
Even with the reduction in some perks, the additional benefits help Amex cards better compete with premium cards from other banks, like the Chase Sapphire Reserve, that have offered excellent travel protections for a while now.
Featured photo by David Prado Perucha/Shutterstock.
The Platinum Card® from American ExpressAPPLY NOW
The Platinum Card® from American Express
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
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 $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®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
$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.
$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
$695 annual fee.
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