Platinum

Coverage for non-refundable travel expenses if a trip is cancelled or interrupted due to covered reasons such as illness or severe weather, up to a specified limit per trip.

Coverage for lost, damaged, or stolen baggage when the full fare is charged to the card. Covers up to $3,000 for carry-on and $2,000 for checked bags, with combined limits for high-value items.

Reimbursement for reasonable additional expenses (meals, lodging) if a covered trip is delayed by 6 or more hours, up to $500 per trip.

Up to $200 in statement credits per calendar year for incidental fees (such as checked bags and in-flight refreshments) charged by one selected qualifying airline.

Up to $200 in statement credits per year for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection properties made through American Express Travel.

Statement credit of up to $100 for Global Entry or up to $85 for TSA PreCheck application fees, once every 4.5 years (per the application cycle).

Access to additional partner lounges including Escape Lounges and Lufthansa Business Lounges when traveling on Lufthansa Group flights in eligible cabin classes.

When booking eligible properties through Fine Hotels + Resorts via Amex Travel, cardholders receive perks including room upgrades when available, daily breakfast for two, guaranteed 4 PM late checkout, noon check-in…

Cardholders gain access to Global Dining Access by Resy, which provides reserved tables, priority notify features, and exclusive dining experiences at select partner restaurants.

Broad lounge access network branded as the Global Lounge Collection, encompassing Centurion Lounges, Priority Pass, Delta Sky Club, Lufthansa lounges, Escape Lounges, and Plaza Premium Lounges.

Complimentary Hilton Honors Gold status, which includes an 80% points bonus on stays, space-available room upgrades, and complimentary breakfast at select properties.

Complimentary access to Delta Sky Club lounges on the day of a Delta-operated flight. Guest access may be limited or subject to fees.

Access to discounted first- and business-class airfare on select international airlines through the International Airline Program, bookable through Amex Travel.

Complimentary Marriott Bonvoy Gold Elite status, providing benefits such as 25% bonus points on stays, room upgrades when available, and late checkout.

Complimentary Priority Pass Select membership providing access to over 1,300 airport lounges worldwide, though guest fees may apply.

Complimentary access for the primary cardholder and up to two guests to American Express Centurion Lounges at participating airports worldwide.

Secondary coverage (or primary if no other insurance) for damage to or theft of a rental car when the rental is charged to the Platinum card and the cardholder declines the collision damage waiver.

Complimentary mid-tier elite status with select car rental programs including Avis and Hertz, providing benefits such as upgrades and expedited service.

24/7 concierge service available to Platinum cardholders for assistance with dining reservations, event tickets, travel arrangements, and other personal requests.

Network-wide rotating statement-credit and bonus offers from travel, dining and retail partners.

24/7 emergency coordination for medical, legal, financial or travel help when 100+ miles from home.

Covers eligible new purchases against accidental damage or theft for up to 90 days from the date of purchase, up to $10,000 per occurrence and $50,000 per year.

Extends the original manufacturer's warranty by up to one additional year on eligible purchases with warranties of five years or less, when charged to the Platinum card.

Up to $300 per year in statement credits on eligible Equinox memberships, including Equinox+ app subscriptions.

Up to $240 per year ($20 per month) in statement credits for eligible digital entertainment subscriptions including Disney+, Hulu, ESPN+, Peacock, and The New York Times, among others.

Up to $200 in Uber Cash annually, distributed as $15 per month plus a $20 bonus in December, usable for Uber rides and Uber Eats orders in the U.S.

Up to $189 per year in statement credits toward a CLEAR Plus membership, which provides expedited biometric security screening at participating U.S. airports and venues.

Monthly statement credit covering the cost of a Walmart+ membership when the monthly fee is charged to the Platinum card.

$895 Annual Fee