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The Platinum Card® from American Express: Full benefits guide

by on Fri October 2, 2015 • 44 Comments

We know you like to dig into all of the benefits premium cards offer, so we at have complied a comprehensive list of U.S. based features and benefits for The Platinum Card® from American Express — to review whether you are a current card member or thinking of applying.

We also include links to resources from online communities detailing experiences with American Express Platinum Card benefits.

First, the basics:

  • No foreign transaction fees. No matter what country you’re in, when you use your Platinum Card there are no Foreign Transaction Fees.
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more.
  • Premium Access. Gain exclusive access to unique experiences from special entry to food festivals to VIP packages at concerts.
  • Terms and restrictions apply.

Travel Privileges: Airline

  • Airport club access (U.S. airlines): Entry for you at all Delta Sky Clubs when flying Delta, and for you and 2 guests or your spouse and children at all American Express Centurion Lounges, which are currently in the Dallas, Las Vegas, New York-La Guardia, Miami, Seattle, and San Francisco airports.
  • Airport club access (worldwide): You can sign up to recieve free Priority Pass Select™ membership (usually $399 if purchased alone). This offers entry to over 600 airport clubs worldwide. Basically a club or more in every major airport, regardless of the airline you travel. Entry is for yourself, and sometimes a guest. Rules vary by  club.
  • $200 annual airline credit. Receive up to $200 annually in a statement credit with the airline of your choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases and more
  • Global Entry fee rebate. American Express will refund the $100 cost to enroll in Global Entry , the program that lets you bypass U.S. immigration lines at U.S. airports by swiping your passport at a kiosk. It’s a magnificent time saver.
  • Membership Rewards First. You have the ability to transfer your points into miles in over 20 airline and hotel programs, most 1 for 1, and many with instant transfer. Airlines include Delta, Air Canada, British Airways, Virgin Atlantic, JetBlue, Air France / KLM, AeroMexico, AirTran, ANA, ElAl, Hawaiian, Iberia, and Singapore Airlines. Hotels include  Choice Hotels (Comfort Inn, Clarion, Econolodge), Hilton, and Best Western.
  • Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket. Additional charges/taxes apply. You must buy a ‘full fare’ ticket — call Platinum Travel Services at the number on the back of your card to check fares, but note that sometimes it’s cheaper to buy 2 discounted First/Business class tickets than to use this 2 for 1 offer. Over 20 airlines participate in the program and there are no blackout dates.
  • Toronto Pearson Airport Priority Lane. You have access to the express security screening lanes at Toronto’s airport, normally reserved for the most frequent of flyers.

Travel Privileges: Car Rental

  • National Car Rental Executive status. This normally requires 12 rentals per year, but entitles you to a guaranteed premium class car at a full size price, often saving $30-$50 per day. You also have access to the airport ‘Executive Selection’ at a mid size price, which often includes premium class cars and SUVs.
  • Hertz 4 hour grace period. Normally Hertz offers a 30 minute grace period when you return your car. If you book using your Platinum Card code, you get a 4 hour grace period. Just make sure you call Hertz to say you are a Platinum Card member and they’ll input the code into your profile.
  • Hertz #1 Club Gold Membership. This normally costs $60 per year, your car is ready in the stall when you arrive, and your name in lights on the board. No need to go to the counter.

Travel Privileges: Hotel

  • Starwood Hotels Gold status. Offers 4pm late check out and select room upgrades at Starwood hotels (Sheraton, W, Westin, Le Meridien, Four Points, St. Regis). Normally requires 10 stays per year to qualify.
  • Hilton HHonors Gold status. Get free breakfast or lounge access, and room upgrades. Register your card here.
  • Fine Hotels and Resorts Program. When you book using you receive 1) room upgrade with late check-out, 2) free breakfast for 2 each day, 3) a special amenity such as spa or restaurant credit, usually valued at $50 or more. Amex claims these benefits are worth $450 or more per stay. The cost of rooms booked via American Express vary — sometimes they are less than directly through the hotel, sometimes less, and often just the same — but in each case you enjoy the Platinum Card benefits only by booking through American Express.

Other Privileges

  • No foreign transaction fees. All such fees are waived when you use the card while traveling overseas. Your purchases are simply converted at the exchange rate with no additional charge.
  • Cruise privileges. When you book a cruise with Celebrity, Crystal, Holland America, Princess, and Seabourne cruises among others, you get a two category room upgrade or a $300 shipboard credit, along with an amenity which is often free dinner for 2 at a premium restaurant and a bottle of premium wine or champagne in your room. You generally have to book through American Express travel, though people have reported Crystal cruises offers $550 in credit for Platinum Card holders regardless of how they book, so long as a Platinum Card is used to pay.
  • $100 vacation credit. If you use American Express Travel to book a cruise or vacation package of $3,000 or more you get a $100 statement credit, valid once per year.
  • Staples Center Los Angeles Platinum Lounge. If you’re attending a game or event at the Staples Cener in Los Angeles you have access to the Platinum Lounge on Suite Level B — regardles of the type of ticket you hold. Access to the Platinum Lounge for non-suite/premier guests is through the Main Concourse doors to Star Plaza VIP, located next to Team LA. Reports on the lounge say it has good prices for food and drink, but the views are not outstanding, so you’re more likely to enjoy the game at your seat and reserve lounge time for pre-game and during breaks.
  • Premium seats program at Madison Square Garden, Staples Center, Home Depot Center. Amex keeps special blocks of tickets available for purchase by Platinum Card holders with premium locations. For Madison Square Garden, limit 4 tickets per game and 8 games per Card member (per sport or event). Quantities are limited. Call 800-321-RSVP (7787), 8am-11pm ET, seven days a week for reservations.
  • Preferred seating at Broadway shows. Shows and events at have limited premium seats set aside for card holders, with Platinum Card members getting access to the best when available. To redeem an American Express Preferred Seating offer,  enter the 10-digit Customer Service phone number located on the back of your Card when placing your order or look for the ‘American Express Preferred Seating’ link when booking a ticket.
  • Platinum Dining Reservations. American Express holds reservations for Platinum Card members at hundreds of fine restaurants and nightclubs. Generally you need to confirm 24 hours in advance, but it can sometimes be helpful in getting reservations not otherwise available to the general public.
  • 2x points on Amex travel purchases. You earn 2 points per dollar spent on travel booked at
  • 10x points on Amex online shopping mall. Go to to link to your favorite online shopping merchants and earn 10x Membership Rewards points per dollar spent.

Purchase protection

  • Purchase Protection. If an item you buy with the Platinum Card is damaged, lost or stolen, Amex will reimburse within 90 days from purchase. Lost items are a unique benefit of the Platinum Card. Simply call the number provided as a member and you can file a claim. Limit: $10,000 per incident, $50000 per year.
  • Buyers Assurance. Extend warranties by one year, up to five year warranty
  • Best Value Guarantee. If  the price of the item drops within 60 days of purchase, Amex will pay you the difference.
  • Return Protection. If a merchant doesn’t accept a return, Amex will reimburse you up to 90 days from purchase, $300 per item, $1000 per year

Travel protection

  • Baggage insurance. Up to $3,000 in coverage for lost or damaged baggage beyond the airline’s coverage when you use your card to purchase your ticket.
  • Travel insurance. $500,000 in coverage in the case of dismemberment or accidental death.
  • Roadside assistance. Up to $50 in towing or assistance benefit for each occurrence — call the Amex hotline provided when you get your card. This is valid for both your personal car as well as rentals and borrowed vehicles.

Premium Global Assist

  • 1-800-345-AMEX hotline for all travel emergency questions
  • Complimentary medical evacuation (Platinum exclusive). If the Global Assist assigned physician deems it medically necessary, American Express will pay for transport for an ill or injured Cardmember or qualified family member travelling abroad back to the United States. If the physician deems this impossible, American Express will pay for transport to the nearest facility the physician deems suitable. This does not cover medical expenses incurred at the facility, only transportation.
  • Complimentary repatriation of remains (Platinum exclusive). In the unfortunate, and we hope never experienced by any reader, circumstance that the Cardmember or qualified family member passes away while travelling abroad, American Express will pay for remains to be transported back to the United States.
  • Lost passport assistance. Global Assist will work the necessary channels to help you travel again should you lose your passport.
  • 24 hour card replacement. American Express can get you a new card within 24 hours and help you cancel all accounts, even competitors’, in the event you lose your wallet.
  • Emergency hotel check-in. American Express can front the credit needed to check you into a hotel in the event you lose your cards.

Other resources to consider

Spending a $450 annual fee on a card is worth some time to consider. For many it is well worth it, but we offer the following additional resources to help understand whether it is worthwhile for you:

  • Current intro bonus points offer. Available on our main Platinum Card review page, updated as the bonus offers change.
  • Platinum Card ‘to-do’ list. From the frequent flyer community at, discussion on things to sign up for and learn once you receive your card.
  • Cruise benefit discussion. From the frequent flyer community at, discussion on cruise related benefits, including up to $550 in onboard credit with Crystal Cruises for using the Platinum Card.
  • Fine Hotels and Resorts discussion. From the frequent flyer community at, reports of benefits and upgrades received from hotels booked through the Fine Hotels and Resorts program.

Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser’s affiliate programs.


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44 thoughts on The Platinum Card® from American Express: Full benefits guide

  1. john

    We are a family of four (we have 2 boys ages 10 and 8). My wife and I both became Platinum members to utilize the private airport clubs while our family travels. You can imagine how disappointed we were to find out that we would have to pay for our kids to access the clubs provided with the platinum membership. Is there any way to get around these additional fees? Which airport clubs allow kids (ages 10 and 8) in for free? thank you in advance


      @john – American lets them all in – and your wife gets her own card free to use on her own travels with the Executive AAdvantage card.

      United lets you bring your wife and kids in free when the primary cardholder is traveling with the United Club Card.

      With Amex, the Centurion Lounges at Dallas, Las Vegas, La Guardia, Miami, San Francisco, and Seattle airports let your wife and kids in free.

  2. Marcia

    How come if you have a Delta Sky Miles Platinum Card you can’t get into the Delta lounge? I was told it was not part of the program.


      @Marcia – Yes that’s right. The Delta SkyMiles Platinum Card annual fee is $195, while the annual fee for The Platinum Card from American Express is $450. It’s confusing they named the Delta card ‘Platinum’ but the other Platinum has a substantially higher fee which affords the lounge access benefit.

      But you can pay $29 with your Delta card to visit a lounge anytime you’d like.

  3. JR

    Did I just skim too fast, or do I not see the free Boingo Wifi account listed as a benefit with an explanation of what it is? Of the 10 things I use my AMEX Plat for, this is probably #5–it’s a nice benefit to have!

  4. Xavier C

    Do you have any further information regarding the Puerto Rico Dining Program? (restaurants it applies to? who to contact?). I called the number on the back of my Platinum Card and the representative didn’t know anything about the PR Dining Program described here. They transfered me to Concierge and to Dining Services and nobody could find this info. They said they would be happy to make reservations for restaurants in Puerto Rico but that they didn’t have any information on the offer listed in your review. Is there a separate number I should contact to get that benefit? Thanks.


      @Xavier – We reached out and found out the perk ended last year. Will update the information to reflect, thanks.

  5. Lee B. Marks

    Global assist if there are preexisting conditions, such as Pacemaker.
    Is this a condition that would nullify the coverage???

  6. Sue

    I have a Platinum Amex and my husband has a supplementary card. He will be going to New York soon (without me). Can he book a hotel through the FHR program and receive the benefits? Or is this benefit available only for the primary card member? Thanks.


      @Tony – Yes, though an additional cardholder costs $175, though you can get up to 3 of them for that one price.

  7. J. De Souza

    Hello, I am a long-time American Express Platinum Optima card holder. Does this entail me to all the benefits mentioned above in this benefits guide? Specifically, I am interested in access to the premier-level lounge at Staples Center for a Clipper basketball game. Thanks much!


      @pat – Officially no – it is supposed to be a Delta operated flight. But you may want to try on the off chance they allow it.

  8. joinda

    Are you sure about the Delta Club benefit w/ the AMEX Platinum card? I thought they discontinued that benefit. Please confirm – and can you have a guest? Thx!


      @joinda- Thanks for pointing out. You still get in the Delta clubs, but if you bring a guest it’s an extra charge.


      @Alexander – Withe the Delta Platinum you get collision damage coverage for cars worth up to $50,000. Coverage kicks in after your own personal insurance policy, and does not cover rentals in Israel, Ireland, Jamaica, Italy, or New Zealand. The fine print is all here:

      For the Platinum Card (non-Delta) you get coverage for up to $5,000 in medical expenses, collision coverage for cars worth up to $75,000, and personal property up to $2,000. All the fine print is here:

  9. Dwight Hart

    I was told by AMX insurance rep that Accidental death on commercial airline when ticket purchased with AMX platimum card was $5000,000. This site says $100,000. Which is correct?

  10. pillhyun park

    origin of american express company’s continued success.I nationals of the Republic of Korea.I received

    November 20, 2012 at the Korea Exchange Bank card american express platinium.Entry into the Dallas

    International Airport via Narita Airport in Tokyo, Japan, December 24, 2012 in South Korea.

    Questions will

    1) American Airlines at Narita Airport in Tokyo, Japan, by United States Dallas to go to the airport. American Airlines Admirals Club Lounge in Narita airport is available for free?

    2) card issued more than two months, and the current until the amount is $ 1,500. New card issuer, to some extent, the credit card usage when the lounge and receive free access to the lounge? New issuer, regardless of the amount and use available?

    3) in the United States January 8, 2013 at the Orlando International Airport via Boston, Tokyo, Japan, to South Korea via the return. Followed by Japan Airlines. Airline is Japan Airlines and American Airlines codeshare Boston American Airlines Admirals Club lounge available? Also free the next day to arrive at the Narita International Airport Admirals Club Lounge where available?

    4), regardless of the count of years to drive American Airlines Admirals Club lounge is available all the time?

    Origin friendly answers, and the answers sent to my email would be appreciated. American express company

    once again wish you continued success. Thank you.

    1. MileCards

      @pillhyun – You will have access to all Admirals Clubs provided:

      1) Your card looks like the one on this page
      2) Your boarding pass has an actual American Airlines flight number on it – codeshare or regular.

      So in your case of requests you should be fine.

  11. Sandy

    Howdy! I could have sworn I’ve been to this blog before but after checking through some of the post I realized it’s new to me.
    Anyhow, I’m definitely delighted I found it and I’ll be bookmarking and checking back frequently!

    1. MileCards

      @Sherry – Yes you will be charged as per Alaskas baggage fee rules. However you can select Alaska as the airline for your annual fee credit, which lets you offset $200 in fees each year on one airline.

  12. Leon

    What are the details on travel miles earned with Americian Express Platinum Card use?
    Can points be redeemed for airline tickets – which Airlines?

    1. MileCards

      @Leon The card earns one Membership Rewards point per dollar spent. You can transfer the points 1:1 to several airlines listed at this link

      You can also use your points as cash on any airline by booking via American Express Travel. In that case each point is worth one cent toward travel but sometimes there are promotions where that value per point is slightly higher.

      Generally the 1:1 transferring of points into airline miles is the most lucrative use.

    1. MileCards

      @ Jim — You will retain the points in a single Membership Rewards account. It’s best to apply for the Platinum Card first then cancel the Gold card.

    1. MileCards

      @Ben – The supplementary card for your wife is an extra $175 per year and does include the lounge benefit for her since it’s in her name.


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