Amex adding valuable travel protections to certain cards
Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.
There’s good news for anyone who holds an Amex card like The Platinum Card® from American Express or the Hilton Honors Aspire Card from American Express 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.
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 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
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 and Additional Centurion Cards only.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
$550 annual fee.
See Pay Over Time APR
Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)