How to use your Amex airline fee credit — even for flights!
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One of the best American Express credit card perks is the annual credit for airline incidental fees. This is a valuable benefit that comes with cards like The Platinum Card® from American Express and Hilton Honors American Express Aspire Card.
With it, you can get from up to $200 to up to $250 toward incidentals on your airline of choice — and the credits renew each calendar year. You can choose which airline the credit will apply to when you open the card, but it must be used by the end of the year.
Normally you can only use the credit towards incidental purchases. But there’s another way to essentially use your airline credit towards United flights (more on that below).
Here’s how to select your airline — and a look at what types of fees do and don’t qualify for these credits.
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.
How to select your airline
You can change your selected airline by logging into your Amex account or calling the number on the back of your card. You can choose one of these airlines for your credit:
- Alaska Airlines
- American Airlines
- Delta
- Frontier Airlines
- Hawaiian Airlines
- JetBlue
- Southwest
- Spirit
- United Airlines
Step 1. Choose your qualifying card
To begin, log into your Amex account. If you’ve got multiple Amex cards (like most of us), you’ll have to select the card that comes with the airline incidentals credit. Click on the card you want to access from the top right of the screen. In my case, it’s the Amex Platinum.
Step 2. Select “Benefits”
You’re now on the correct landing page for the card that offers the airline fee reimbursement. Next, you’ll click “Benefits” at the top navigation bar. It’ll take you to an outline of all the significant benefits that come with this specific card.
Step 3. Click “Enroll Now”
Scroll down the page until you see “Airline Fee Credit.” Simply click “Enroll Now” to get the process started. I’ve already enrolled my account, which is why the big “Enroll Now” button isn’t showing. (enrollment required).
Step 4. Pick your airline and confirm
Afterward, you’ll see a screen with a drop-down menu with all your airline options.
Once you set your airline, the terms state that you can’t change it until the following January, so be certain you select the one you want most. If you’re really in a bind, however, cardholders have been able to change it at other times by chatting with an Amex representative — as long as you’ve not used your credit yet.
Once you’ve made your choice, click “Submit Selection.”
Step 5. Remember your selection
You can start spending on your selected airline right away. Should you forget which airline you chose, you can always log back into your online Amex account to find out.
Amex says qualifying fees will be reimbursed within two to four weeks, but in my experience, it’s much faster – usually two to five business days. If you made a qualifying charge and haven’t received a statement credit after a few weeks, call Amex at the number on the back of your card to see if they’ll manually apply the credit for you.
Amex cards that offer an airline-fee credit
These Amex cards come with airline-fee credits that reset each calendar year (terms apply):
- The Platinum Card® from American Express (read our review) — Up to $200 airline incidental credit on your selected airline
- The Business Platinum Card® from American Express (read our review) – Up to $200 airline incidental credit on your selected airline
- Hilton Honors American Express Aspire Card – Up to $250 airline incidental credit on your selected airline
If you have The Business Platinum Card® from American Express, choosing the right airline is even more important because you’ll get an extra benefit: Using the Amex Pay With Points feature to purchase airfare through the Amex Travel portal, cardholders get a 35% points rebate on all business and first-class tickets (up to 500,000 points back per calendar year). And you’ll get the same 35% points rebate on all coach flights booked with your selected airline through the Amex travel portal using the Pay With Points feature.
You can use the airline credit for fees including:
- Checked baggage fees (including overweight/oversize)
- Itinerary change fees
- Phone reservation fees
- Pet flight fees
- Seat assignment fees
- Inflight amenity fees (beverages, food, pillows/blankets, headphones)
- Inflight entertainment fees (excluding wireless internet because it’s not charged by the airline)
- Airport lounge day passes and annual memberships
- United TravelBank funding
You cannot use fee credits for fees including:
- Airline tickets
- Upgrades
- Mileage-points purchases
- Mileage-points transfer fees
- Gift cards
- Duty-free purchases
- Award tickets
Unofficial ways to use the Amex Airline credit
While airline tickets are officially not recognized, there are reports which indicate Southwest, Delta and JetBlue flights under $99 will be reimbursed. However, this is not guaranteed as the purchase codes as airfare. You can scour the internet for data points to see what’s working at the moment.
Purchasing a Southwest or Delta flight partially with a Southwest or Delta gift card, respectively, and the rest with an Amex card will sometimes trigger the reimbursement credit. Spirit’s $9 Fare Club membership and Frontier’s Discount Den membership have also been known to work — though I’ve got no experience with those myself.
Using the Amex airline credit to load your United TravelBank
In the past, it was possible to get these fee credits to work for things like gift cards, but that is no longer true.
However, the option to load your United TravelBank with funds to trigger the airline fee credit is working again. Loaded funds won’t expire for five years and can be extended beyond for another five years that by having any TravelBank activity (funding or usage). You can use United TravelBank funds for United flights purchased on United.com. What this means is that you’re essentially able to use your airline credit towards United flights. Enrollment required for select benefits.
It’s very important to note that it’s not guaranteed for these methods to work. Reaching out to Amex won’t help either since these things are not on the official list of reimbursable items. I just tried this recently with two $100 loads and it did not work, but I tried again with four $50 loads and it worked like a charm. In other words, I purchased $200 in United credit that I didn’t intend to. I’ll use the credit, so I’m not miffed, but it’s very important you understand this isn’t a given.
Before making a purchase, you’ll want to look around the internet for data-points to make sure this method is still working.
Bottom line
Amex cards with airline incidental credits include (Terms Apply):
- Up to $200 with The Platinum Card® from American Express and The Business Platinum Card® from American Express
- Up to $250 with the Hilton Honors Aspire Card from American Express
These fee credits reset each calendar year and can be used for incidentals like checked bag fees, seat assignment fees, airport lounge day passes and more. However, you may be able to indirectly purchase airline tickets with them.
If you have experience with reimbursement for airline-fee credits, please share! And subscribe to our newsletter for more travel tips and credit card tricks like this delivered to your inbox once per day.
The Platinum Card® from American Express
Annual fee
$550
Welcome offer
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.
Why we like it
The Amex Platinum is a staple in the travel cards landscape with its unmatched travel benefits, for frequent flyers these benefits alone can far exceed the cost of the annual fee. Beyond that, this card has great on-going rewards and the card also comes with a generous welcome bonus of 75,000 Amex Membership Rewards points after spending $5,000 on purchases within the first six months of opening your account. You’ll also earn 10x points on eligible purchases made at U.S. gas stations and U.S. supermarkets on up to $15,000 in combined spending during the first six months of card membership. This welcome offer could potentially earn you up to 225,000 points.
Who is it best for?
The Platinum Card is best for frequent travelers that value luxury travel perks: think incredible airport lounge access and Gold elite status with Marriott and Hilton. Cardholders can also cash in on hundreds of dollars of credit for travel expenses all the while earning 5X Membership Rewards Points on flights (booked directly with the airline or through American Express Travel, on up to $500,000 on these purchases per calendar year and on prepaid hotels booked with American Express Travel.
Credit Score Recommended
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
660
850
Details
- 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 with American Express Travel.
- 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.
- Terms Apply.
- See Rates & Fees
Pros
- Access to Centurion Lounges, Priority Pass lounges, Delta Sky Clubs and more (enrollment required)
- Up to $500 in annual credits, plus another up to $100 credit for Global Entry/TSA PreCheck
- Complimentary Hilton Gold elite status and Marriott Gold elite status (enrollment required)
- Long list of travel protections
- Excellent customer experience
Cons
- $550 annual fee
- Earning on travel categories exclusive to airfare and prepaid hotel stays
Reward Rate
- 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.
- 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 with American Express Travel.
APR
See Pay Over Time APR
Credit Needed
Good to Excellent
Foreign Transaction Fee
None
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