Benefits of the American Express Platinum card

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The Platinum® Card from American Express is one of our favorite cards for frequent travelers and ranks among our best travel cards and top American Express cards. It has an excellent welcome bonus of 60,000 Amex Membership Rewards points after spending $5,000 on purchases in the first three months of opening your account. That’s enough for a round-trip coach flight to Europe when you transfer points to airline partners.

In addition to a massive bonus, the Amex Platinum comes with a ton of perks, including top-tier benefits like airport lounge access (including the incredible Centurion Lounges), airline fee credits and complimentary hotel elite status.

Let’s dive into the Amex Platinum’s features and see and why savvy travelers keep this card in their wallet despite the high annual fee.

The Amex Platinum card comes with access to Amex Centurion lounges. (Photo by Zach Honig)

Amex Platinum benefits and perks

Credits galore

The annual credits alone make this card worth holding onto. You get:

The up to $200 airline-fee credit resets every calendar year (January to December). So in your first cardholder year, you could get the credit twice. In the first year, you can get a total of up to $700 in credits ($200 airline credit x 2 + $200 Uber credit + $100 Saks Fifth Avenue).

You can earn a credit for the application fee for either Global Entry ($100 once every four years) or TSA PreCheck ($85 once every four-and-a-half years).

Amex Fine Hotels & Resorts

Amex Fine Hotels & Resorts offers competitive rates for paid luxury hotel stays. But it’s the extra benefits that make this program valuable. When you book an Amex Fine Hotels & Resorts stay, you receive perks like early check-in when available, room upgrades, free breakfast for two and unique amenities (depending on the hotel), like free parking or food and beverage credits.

You’ll also get guaranteed 4 p.m. late checkout and there are can be limited-time offers at certain hotels for complimentary nights with a paid stay.

Team member Meghan booked the Loews Regency San Francisco through Amex Fine Hotels & Resorts and received a $100 food and beverage credit. (Photo by Meghan Hunter/Million Mile Secrets.)

You can read about team member Meghan’s incredible stay at the Loews Regency San Francisco and how booking through Amex Fine Hotels & Resorts saved her $650.

Cardholders will also have access to The Hotel Collection, which offers room upgrades and up to $100 in hotel credits. You must stay two or more nights and can book your stay through the Amex travel portal at or by phone at 800-297-2977.

Airport lounge access

With the Amex Platinum card, you’ll get unlimited airport lounge access including Priority PassCenturion, Delta Sky Club, Escape Lounges and Airspace Lounges around the world. Check the guest policy if you travel with a partner or family.

Of note is the unlimited access to Centurion Lounges, where you can enjoy a full meal, drinks and sometimes even a spa treatment – for free. It’s exclusive to Amex Platinum and Centurion cardholders. And you can bring up to two guests for free.

Amex Platinum cardholders can retreat to comfy and stylish Centurion Lounges to enjoy a meal and craft cocktails for free. (Photo by American Express)

I travel out of Boston about five times per year and save on food and drink by visiting Logan Airport’s Priority Pass lounges. I figure I’m saving ~$40 per visit ($200 a year) by avoiding overpriced airport food and drinks. I also get free Wi-Fi, showers and more comfortable seating.

Elite status with Hilton and Marriott

Your Amex Platinum card also comes with complimentary Gold elite status with Hilton and Marriott. This is a huge benefit that, depending on where you stay, includes:

  • Free breakfast (Hilton hotels only)
  • Upgrades to bigger rooms where available
  • Late checkout
  • Better rooms (views, higher floors, etc.)
  • More points for paid stays

Team member Jasmin received big perks with Hilton Honors Gold status on her stay at the Conrad Tokyo. She was able to get free breakfast with her kids (worth $140) and a complimentary room upgrade. The free breakfast that comes with Hilton Gold status can save you hundreds of dollars if you stay at Hilton hotels frequently. Perks like room upgrades and late checkout can make your travel much more civilized.

Car rental elite status

As an Amex Platinum cardholder, you’re eligible for:

Elite status provides free upgrades when available, grace periods for late returns, discounts and more. For example, National offers a product called the Executive Aisle where you can pick any car from the aisle and you only pay the midsize rental rate.

Travel insurance, purchase protection and Platinum Concierge

You’ll get a whole suite of protections with your Amex card membership:

Although you may never need these benefits, they can be lifesavers. It’s great that the Amex Platinum now has trip delay insurance and trip cancellation/interruption insurance, which can be lifesavers.

Another convenient (and time-saving) perk is access to the Amex Platinum Concierge, which can help you book hard-to-get restaurant reservations or concert tickets, or assist with requests like finding the right venue for a meeting. Here’s more about all the tasks you can outsource to the Amex Platinum Concierge.

Amex Offers

With Amex Offers, you’ll get discounts and bonuses on everyday purchases when you enroll your card. Because these are applied as statement credits after your purchase, you can also take advantage of discounts offered at shopping portals or promotional codes and coupons.

This means you can stack deals and save some serious cash.

Some offers are targeted, which means you have to add them to your card before you make a qualifying purchase.

ShopRunner membership

A ShopRunner membership, which is like Amazon Prime for more than 100 retail stores, comes with this card. You get free two-day shipping and free returns with your online orders through participating retailers. An annual membership for ShopRunner normally costs $79.

Overall value

The Amex travel portal lets you redeem your points for airfare at a rate of one cent per point. So the welcome bonus is worth at least $600 and potentially much more, if you transfer it to one of the Amex transfer partners.

You’ll also earn Amex points at the following rates (terms apply):

  • 5x Amex Membership Rewards points on airfare (booked either directly with the airline or through Amex travel portal)
  • 5x Amex Membership Rewards points on prepaid hotels booked on the Amex travel portal
  • 1x Amex Membership Rewards point on everything else

There’s a $550 annual fee (see rates and fees). If you can make the most of these incredible perks, you’ll offset the annual fee and possibly come out ahead. Here’s our full review of the American Express Platinum.

Bottom line

The Amex Platinum card comes with a generous welcome bonus of 60,000 Amex Membership Rewards points after spending $5,000 on purchases within the first three months of opening your account. The intro bonus alone is enough to justify paying the $550 annual fee which is not waived for the first year.

But remember, the excellent benefits and perks are why many people keep this card in their wallet. You’ll get up to $500 in credits annually (up to $200 for airline incidentals, up to $200 credit for Uber and up to $100 for Saks Fifth Avenue), which effectively reduces the annual fee to $50 per year. And you’ll get even more value from the other benefits of this card:

  • Free food and drinks and a comfortable place to relax at airport lounges
  • Room upgrades and food credits through Amex Fine Hotels & Resorts
  • Discounts with Amex Offers
  • Gold Elite status with Hilton and Marriott
  • Complimentary travel protections and purchase protections

You can apply for the Amex Platinum here.

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For rates and fees of the Amex Platinum Card, please click here.

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! :)

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Eastern Traveler
1 year ago

The Uber credit is an App credit on Uber and a pain to use. It is a complete scam and not worth the ink used to disclose it. It is NOT a statement credit.

1 year ago

My husband only knew of the lounge benefits when traveling. So, I dove in trying to get the rest. I was TERRIBLY disappointed. The first and only travel we booked was for Hyatt-Lake Tahoe thru Amex. The Hotel would not follow thru on the benefits of the card. Amex folded and said, “I am sorry.” What? What are we paying for? Amex said that they would open a ticket. Thanks.

Randi Cook
1 year ago

I love that you get unlimited airport lounge access!

David Nie
2 years ago

My fav has to be the centurion lounge access!

Kelly s
2 years ago

My favorite has to be the airline credit. I personally buy southwest gift cards with it! I do love using Uber credit but I don’t use it every month for Uber..but I have used it for Uber eats!

Silvia genah
2 years ago

The lounge access is great , I was able to use Delta lounge at LAX since I was flying Delta two weeks ago

2 years ago

Its a wonderful experience

2 years ago

Nice offers from amex

Joe W
2 years ago

Gold status at Hilton and Marriott is my favorite perk.

2 years ago

$ 200 Uber credits for me.

2 years ago

The airport lounge access is the best!

Dave G
2 years ago

I like the FHR access, can guarantee 4pm late checkout at participating hotels.

2 years ago

Lounge Access

2 years ago

I love that i can get up to 200$ in uber credit for just enrolling and using a credit card I am still in my 20s so I get drunk a lot and for as often as I get drunk uber rides get expensive 10$for one ride isnt much but if i would get drunk every day that 300$ a month and on minum wage i cant afford that

Reply to  Bradley
7 months ago

but you can afford the annual 550 fee on minimum wage? lol

2 years ago

Best benefit: Up to $200 in Uber credit per year. Those Uber rides really do add up.

2 years ago

The airline incidental credit is always greatly appreciated !

2 years ago

My favorite perk has to be the unlimited airport lounge access.

Emma Hancock
2 years ago

Bonus points, elite status, and travel insurance are all amazing perks!

Andrew P
2 years ago

My favorite benefit is the $200 towards airline incidentals

2 years ago

We have gotten the greatest value by far from the lounge access benefit.

2 years ago

I use Amex offers quite frequently. They save me quite a bit.

2 years ago

Leaving a comment

2 years ago

I like having Elite Status with Hilton. Having two kids, free breakfast on vacation is a real time and money saver!

2 years ago

I like the access to the Amex Centurion lounges!

2 years ago

I have enjoyed taking advantage of the Fine Hotels benefits and the offers… I have a CSR card so there are some overlap in benefits. Those 2 are pretty specific to Amex which is why I like them.

2 years ago

I wasn’t sure I was going to make diamond at Hilton because I had had a lot more SPG stays prior to the merger. As it turns out, I’m only one stay away from diamond but I always had my fallback position as gold from the AMEX card.

2 years ago

Access to the Amex Centurion lounges

2 years ago

Amex Centurion lounge access of course

2 years ago

The Uber credit, because it offsets the annual fee making every other perk cheaper.

2 years ago

My favorite would probably be the lounge access—so many options!!

2 years ago

My favorite benefit is Lounge Access!

2 years ago

I like the Uber credit benefit, but the airline incidental credit would be my favorite because I would probably use that more frequently! 🙂

Doug K
2 years ago

Best benefit is the $200 in annual airline incidental fees credit!! Makes the card totally worth having

Kartheek Alladi
2 years ago

Hard to say but the Elite status with both Hilton and Marriott

2 years ago

I like the airline and Uber credits

2 years ago

I don’t have the card yet, but the yearly airline and Uber credits make it enticing.

2 years ago

The lounge access is definitely my favorite benefit.

2 years ago

My favorite benefit use is Airline and Uber credit:-)

2 years ago

The lounge access is such a great travel perk-makes airports much more enjoyable!

2 years ago

My favorite perk is the lounge access.

2 years ago

Uber is evolving and I love it!

2 years ago

my favorite benefits are the uber credit and TSA prechek credit…i travel a lot…

2 years ago

I like the airport lounge access

2 years ago

I like the Lounge Collection

2 years ago

I like the airline and Uber credits

2 years ago

I’m interested in the lounge access!

Tami F
2 years ago

Love the lounge access and Hilton Gold!

2 years ago

5x points on airfare, and lounge access are the winners in my book.

2 years ago

The annual airline fee credit is a nice rebate on the AF.

2 years ago

Lounge access!

2 years ago

I like the airport lounge access. It really helps on long layovers.

Greg M
2 years ago

Love the hotel status. Wouldn’t get there otherwise and it adds a lot of value, tangible and intangible, to my stays.

2 years ago

I like 5x points on buying airline ticket.

2 years ago

I like the annual airline credit by which I can buy airline gift cards.

2 years ago

my flights are always delayed…so i love the lounge access!

2 years ago

My favorite benefit is the Hilton Gold status!

2 years ago

Definitely the lounge access

2 years ago

Lounge access and 5x on airfare and hotels! Points add up so quickly so we can keep traveling!

2 years ago

My favorite is Hilton Gold Status! Free breakfast!

2 years ago

Lounges galore: Centurion, Delta, Priority Pass, sports arenas like Barclays Center.

2 years ago

My favorite benefits is the lounge membership at airports.

2 years ago

Love all the Uber credits

2 years ago

I like the uber credit.

Stuart Falk
2 years ago

American Express Centurion Lounges are my favorite perk.

Karl P
2 years ago

I really like the American Express Centurion lounges. It is like getting a kick start on your vacation!

2 years ago

The lounge access can’t be beat! Once you try one, you can’t go back to sitting in the gate area!

2 years ago

Love the lounges and the $200 uber credit.

Rene M
2 years ago

Airport lounge access works for me!

2 years ago

Lounge access is the best!

Franco Barrientos
2 years ago

I think the $200 Uber credit makes the difference. Uber on!

2 years ago

Unlimited airline lounge access is definitely my favorite perk.

Nadia F.
2 years ago

Am leaning heavily towards applying for this card with all its perks to balance out the pretty large annual fee, especially lounge access!

2 years ago

Access to Centurion Lounge.

2 years ago

Love all the perks! So fun to use and feel like royalty!!

2 years ago

I think the Lounge Access is the best benefit. I love to relax and be out of the chaos in the airport. The quality food is a bonus and having a drink or two keeps me relaxed.

2 years ago

Lounge access of course

2 years ago

Cwnturion lounges have been amazing!

2 years ago

lounge access

ken gordon
2 years ago

The lounge access makes airports so much less stressful. Love the Centurion lounges.

2 years ago

Lounge access definitely!!

2 years ago

Lounge access when travelling with family!

Corey L
2 years ago

The best perk of the Amex platinum has to be access to centurion lounges and delta sky club access when flying delta

2 years ago

The best perk is the Centurion lounge access – it’s the one thing that really sets the Platinum Card apart.

2 years ago

I like the lounge access

2 years ago

centurion lounge access!

2 years ago

I love the air credit every calendar year. The Centurion lounge access is awesome, too!!

2 years ago

My favorite is the Fine Hotel and Resorts benefit. It can make “living large” the same price as a standard hotel. Many of the other benefits can be had with other cards but this is the one that probably saves me the most.

2 years ago

My favorite perks are the lounge access and Fine Hotels, which I’ve used in Vegas and at a Fairmont Hotels.

Bev Cooper Wright
2 years ago

Amex Platium favorite perk: Airport Lounge access!

2 years ago

my favorite AXEX perk is the points

2 years ago

Can somebody tell me which one is better this Amex or Starwood Preferred Guest AmEx luxury Card that is giving 100K right now? Seriously considering but not sure yet…

2 years ago

I want cards not geared to travel. I don’t want to pay for Centurion lounges I don’t use. Don’t get me wrong. We have been around the world on points. Singapore, Sydney, Tokyo, Paris, London, Hawaii, Alaska. Singapore was Business class on a two class airplane. Lobster was first meal served. 2005 Newark to Singapore non stop. All hotel stays were with Marriott points.

What’s important to me is Return Protection, Price Protection, Extended Warranties. The everyday things matter to me.

I’m dropping Sapphire Reserve because they reduced the benefits important to me.

I’d like the Amex Gold. Companies should consider offering these cards cafeteria style. Let the consumers pick the three benefits important to them.

I had three Amex Cards. The credit offers on purchases are good. They seem to be the same whether you have a high fee card or a free card. High free cards should have better offers.

2 years ago

Your first year math is wrong, you can’t double dip the Saks or Uber credits….

$200 x2 airline + 100 Saks plus $200 Uber = $700.

Reply to  qmc
2 years ago

$200 airline is for now until 12/31/19 and the another for 2019; plus Saks $100 credit anytime for a onetime purchase; how is Uber $200 per year

Reply to  qmc
2 years ago

Thanks for catching that, it’s been updated.

Daryl Spindler
2 years ago

Mmmmmm…chicken ham!!

Tonya Smiley
2 years ago

Hello!!! So I have the Amex platinum Delta Sky miles card. Now I’m thinking I need to switch to the regular platinum card to get better benefits. I only get points for sky miles not all the other benefits of the regular platinum card. I stay at Hilton a lot and those perks would sure come in handy. Thanks for the article

Andrew W
Reply to  Tonya Smiley
2 years ago

Hi Tonya, thanks for commenting! There’s a really good point to be made for anyone reading here…there isn’t any one “best” card for everyone/everything. it really depends on your purchase and travel habits!

I go through my credit card portfolio every few months to make sure the cards I have are still the best for me based on my purchase and travel styles.

In any case, glad you found the article useful, and let us know how the regular platinum works for you!