8 reasons why the Amex Platinum is the best card for military members

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We’ve got great news for active-duty military members who are looking to get into the miles & points hobby: If you currently serve, you don’t have to pay American Express annual fees.

We’re eternally indebted to those who have served in the U.S. armed forces to keep us free. And Amex does its part to repay our active-duty military by keeping their card annual fees free.

That’s right, all credit card companies must comply with regulations under the Servicemembers Civil Relief Act (SCRA), which limits interest rates and fees for active-duty personnel, but American Express has a history of going beyond these requirements by removing nearly all fees for active-duty military, including annual fees on their premium credit cards.

This means that active-duty military members are eligible for one of the best travel credit cardsThe Platinum Card® from American Express, with a waived $695 annual fee (see rates and fees). This card comes with airport lounge access, free travel credits, automatic elite status at popular hotels and much more, with the annual fee waived. This is why the American Express Platinum Card is the best card for military members. You can read our Amex Platinum review for even more details.


Qualifying service members can save big by getting one of the most premium cards in travel for no annual fee, a savings of $695 per year. (Photo by Peppersmint / Shutterstock.com)

Top 8 reasons American Express Platinum Card is a must-have for active-duty military

Waived annual fee

The Platinum Card® from American Express is a premium travel card that offers some of the best perks of any card in the industry. The card normally carries a high annual fee of $695, but qualifying active-duty U.S. military personnel can actually get this annual fee waived, which is an incredible deal.

In order to get the annual fee waived on your Amex Platinum Card, you will need to request it. It doesn’t happen automatically.

American Express says that the fastest way to receive your benefits is by submitting this form online. You can also call 1 (800) 253-1720 (or 1-336-393-1111 if you are outside the U.S.) to request your benefits. They will take your information and ask some qualifying questions and then confirm your active duty status through a Department of Defense database. This process generally takes a few days, but can take up to a month in some situations.

Either way, you apply for the card as you normally would and may be charged the annual fee initially. But once approved for SCRA benefits, you will see a statement credit for the fee amount post to your card.

Don’t forget that your spouse also qualifies, so if they have any American Express cards, they should definitely look at submitting a request for themselves.

A waived annual fee will be even more valuable if the rumored increased annual fee on the Amex Platinum turns out to be true. 

75K signing bonus

The Amex Platinum comes with an incredibly valuable welcome bonus of 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

In addition to that, you’ll receive 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. If you were to hypothetically spend $25,000 at restaurants and when you “Shop Small” within that time frame, you could end up with 350,000 points!

There are lots of great ways to use your Amex points, like booking great deals to Hawaii, Japan and Europe. For example, you can:

  • Transfer 62,500 points to Etihad for a one-way first class flight to Japan on American Airlines
  • Transfer 60,000 points to Hilton for a two-night stay at at a five-star hotel like the Conrad Bali
  • Transfer 55,000 points to Air Canada for a one-way business class flight to Paris
  • Transfer 60,000 points to Delta for a round-trip coach flight to Venice

We value Amex points at 1.8 cents each, meaning we expect that you’ll get a value of $1,800 from the 100,000 points bonus. But if you use your points in any of the above ways, you’re pretty much guaranteed to get a whole lot more value.


100,000 Amex Membership Rewards points can take you all the way to the back-alley canals of Venice. (Photo by muratart/Shutterstock)

Airport lounge access

The Platinum Card is one of the best cards for airport lounge access. Like other premium travel credit cards, you will have Priority Pass membership, which enables you to enter over 1,300 airport lounges around the world. Unfortunately, the restaurant perk that other Priority Pass members get is not available to Priority Passes earned through Amex anymore, but this was limited to ~30 restaurants at a handful of airports. It is still well worth having Priority Pass for the lounges themselves.

The Platinum Card from American Express also offers access to American Express Centurion Lounges. These are generally some of the best domestic airport lounges, with better amenities and fewer crowds than lounges offered through Priority Pass.

Finally, you can also get access to Delta Sky Club lounges with your Amex Platinum Card when you are flying on Delta. Delta has put a lot of work into improving these lounges over recent years, and they’ve become really nice places to relax while waiting for your next flight.

One thing to note is that due to COVID-19, select Priority Pass, Centurion, and Delta Sky Club lounges may be temporarily closed. 

You’ll need to enroll in Priority Pass once you’ve opened your Amex Platinum card, which you can do on this page.

$200 in airline fee credits

The Platinum Card also offers up to $200 per year in airline-fee credits on one selected airline (that you choose).

This credit can be used to cover things like:

  • Baggage fees
  • Flight change fees
  • Standby fees
  • Phone reservation fees
  • Seat assignment/ reservation fees
  • Airport lounge day passes or annual memberships
  • In-flight food and drink
  • In-flight entertainment charges (like premium movies, but not Wi-Fi fees)

Just charge any incidental fees to your Platinum Card and the first $200 of fees on your selected airline each calendar year will be credited back to you. Read this guide for more about how to select your Amex airline. Enrollment required.

Hotel elite status

The Platinum Card® from American Express also offers added comfort when you get to your hotel, with automatic Gold Hilton status and Gold Marriott Bonvoy status. Hilton Gold status will earn you 80% more Hilton points during your stay, a space-available room upgrade (up to Executive room type) and complimentary breakfast. Marriott Gold elite status will earn you 25% more Marriott points during your stay, an enhanced room upgrade, a welcome gift, late checkout and more. Enrollment is required.

Between these two elite statuses, you have access to perks at a huge network of hotels and hotel brands which will make your stays more comfortable. Plus, you can earn points faster toward even more free nights.

Global Entry or TSA PreCheck membership

The Platinum Card from American Express also offers a credit for Global Entry or TSA PreCheck.

This is worth up to $100 and can be used once every four years for Global Entry or once every 4.5 years for TSA PreCheck. Military members can speed through customs whenever they fly internationally on a commercial airline.If you already have Global Entry yourself, you can use the credit to cover a family member’s application fee.


The Amex Platinum provides hundreds and hundreds of dollars in various travel credits each year. (Photo by Wyatt Smith)

Uber credits

With The Platinum Card from American Express, you get credit each month toward U.S. Uber rides.

You will enjoy $15 monthly Uber credit when you use your Platinum Card to pay for a ride. In December, you’ll get an additional $20 ($35 total credit in December) which totals up to $200 a year in free rides if you use all of the credits. These credits are applied to your Uber account as Uber cash once you link your Amex Platinum card to your Uber account.

Just remember that the credits do not roll over if you don’t use them in one month.

Up to $100 in Saks Fifth Avenue credits per year

Every calendar year you can earn up to $100 in Saks Fifth Avenue credits. You can earn $50 in credits from January to June and another $50 in credits from July to December.

The credits are only valid at U.S. Saks Fifth Avenue locations or online. Also, you won’t earn the credits on gift card purchases or at outlet locations such as Saks Off Fifth.

You can enroll in this benefit here.

How to qualify for the Amex Platinum with military benefits

To qualify for these military benefits, you must be on active duty in one of the branches of the military (Army, Navy, Air Force, Marine Corps or Coast Guard) or in a reserve component (Reserve, National Guard or Air National Guard) that is called to active duty.

The benefits are also extended to Public Health Service and National Oceanic and Atmospheric Administration commissioned officers.

Members of the National Guard also qualify if they are under a call or ordered to active duty for more than 30 consecutive days (for example, per Amex, “responding to a national emergency declared by the President and supported by federal funds”).

Spouses of any qualifying service member also qualify.


To request SCRA benefits, simply call the phone number on the back of your card and answer a few simple questions to begin the process. (Photo by Africa Studio / Shutterstock.com)

How to apply for the American Express Platinum 

You’ll apply for the Amex Platinum card in the same way that everyone else does. The process of getting your annual fee waived comes later.

To apply, simply fill out the application online. If you already have an Amex card, you can log in and the site will pre-fill your information. If not, you’ll have to provide personal information like your name, address, income, and social security number. Applying only takes a matter of minutes, and some people will get an instant approval. 

Just remember, Amex limits you to earning the bonus on each card once per lifetime. And to be approved for the Amex Platinum card, you’ll need a credit score of at least 700 — if not better. 

How to get your fees waived

In order to get the annual fee waived on your Amex Platinum Card, you will need to request it. It doesn’t happen automatically.

American Express recommends submitting this form online or calling 1 (800) 253-1720 (or 1-336-393-1111 if you are outside the U.S.) to request your benefits. Be prepared to give basic information and answer qualifying questions that confirm your military status. The confirmation process generally takes a few days but can take up to a month in some situations.

You may receive an initial charge for the annual fee, but you’ll get a statement credit for the fee amount once you’re approved for SCRA benefits.

And remember that that spouses also qualify. If yours has any American Express cards, we recommend having them submit a request for themselves.

Bottom line

The Platinum Card® from American Express is one of the best cards for active-duty military members. The card is worth it for everyone and easily justifies its annual fee, but it makes even more sense for qualifying military personnel because all the valuable perks can be attained without any annual fee while you qualify for SCRA benefits.

Several of these perks are statement credits which if used in their entirety are worth $400 per year (up to $200 in U.S. Uber credits and up to $200 in airline fee credits). The card also offers the $100 credit for Global Entry which can be used once every four years for a total of $500 of free value during those years. Read our full Amex Platinum review.

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

The Platinum Card® from American Express

The Platinum Card® from American Express

Annual fee

$695

Welcome offer

Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

Show more

Deborah Atchison is a contributor to Million Mile Secrets, she covers topics on points and miles, credit cards, airlines, hotels, and general travel.

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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