Amex Platinum Card Benefits [July ’21 Update]

In terms of features, The Platinum Card® from American Express offers more than just about any other card. You have access to a diverse mix of travel and lifestyle benefits, including over $1,000 per year in spending credits. Terms apply.

Those perks help balance out a hefty $695 annual fee (see rates and fees). But for this card to be a good deal, you need to make the most out of what it offers. Read on to learn about all the American Express Platinum Card benefits.

Amex Platinum Card lifestyle benefits

While The Platinum Card® from American Express has always been known for luxury travel perks, that’s not all it offers. It also includes quite a few lifestyle and shopping benefits, from spending credits with popular brands to excellent purchase protections. Terms apply. These features are part of why this is one of the best card offers for big spenders.

Welcome bonus offer

The welcome bonus on this card is 100,000 points after you spend $6,000 on purchases in the first six months of Card Membership. Terms apply. Given how useful American Express Membership Rewards points are, this deal is competitive with the best sign-up bonus offers.

In addition, this card earns 10 points per dollar on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, for your first six months of Card Membership. Terms apply.

The additional small business rewards apply to purchases at U.S. business locations on American Express’s Shop Small Map and in its Online Directory. You can use those to look up merchants in your area where you’ll earn bonus points.

Purchase rewards

Outside of the introductory restaurants and small business rewards, The Platinum Card® from American Express earns:

  • 5 points per dollar on flights you book either directly with the airline or through American Express Travel (up to a spending cap of $500,000 in purchases per calendar year)
  • 5 points per dollar on prepaid hotels you book through
  • 1 point per dollar on all other purchases
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Terms apply.

Amex Offers

The Amex Offers & Benefits portal is one of the underrated perks of American Express cards, as it’s home to all kinds of retailer deals and discounts. It includes offers for bonus points, discounts, and statement credits.

$300 annual Equinox credit

The Platinum Card® from American Express offers $25 per month in statement credits at Equinox, the luxury fitness company. You get a statement credit when using your card to pay for monthly Equinox All Access, Destination Access, or E by Equinox membership fees, or for the Equinox+ app. Enrollment required. Terms apply.

$240 annual digital entertainment credit

You earn up to $20 in statement credits per month when you use your Platinum Card® to pay for one or more of:

  • Peacock
  • The New York Times
  • Audible
  • SiriusXM

Enrollment required. Terms apply.

$100 in annual Saks Fifth Avenue credits

This card offers up to $100 in statement credits per year for purchases made at Saks Fifth Avenue and on It’s a two-part credit, offering $50 from January through June and another $50 from July through December every year. Enrollment required. Terms apply.

Platinum Card® Concierge

As a Platinum Card® Member, you’ll get access to a concierge who can assist you with everything from making dinner arrangements, purchasing tickets to events, and selecting a gift. Terms apply.

Global Dining Access by Resy

When you add this card to your Resy profile, you can unlock access to exclusive reservations and special dining experiences. Terms apply.

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Purchase protection

Eligible items purchased with your card are covered in the event they’re lost, stolen, or damaged within 90 days of the purchase date. The purchase protection limits for this card are up to $10,000 per covered purchase and up to $50,000 per card per calendar year (and $500 per event in the event of a covered natural disaster). Terms apply.

Return protection

If you try to return an eligible item within 90 days of the purchase date and the seller won’t take it back, American Express may refund the full purchase price up to $300, excluding shipping and handling. In addition to the $300 per item limit, return protection also covers a maximum of $1,000 per calendar year per card account. The purchase must be made entirely with your eligible American Express card in the U.S. or in certain territories. Terms apply.

Extended warranty coverage

This card’s extended warranty coverage adds up to one year on covered purchases with original manufacturer’s warranties of five years or less. It covers up to the amount charged to your card for the purchase, with a maximum of $10,000 per item and $50,000 per card per calendar year. Terms apply.

Cellphone protection

When you pay your cellphone bill with The Platinum Card® from American Express, you get complimentary cellphone protection for covered damage or theft. There’s a limit of $800 per claim with a $50 deductible, as well as a maximum of two claims per 12-month period. Terms apply.

ShopRunner membership

American Express Platinum Card benefits include free shipping for online purchases made with more than 100 eligible ShopRunner retailers. Purchases must be made with The Platinum Card® from American Express to qualify. Enrollment required. Terms apply.

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By enrolling The Platinum Card® from American Express into InCircle®, you’ll receive 1 InCircle point per $1 spent on eligible purchases at Neiman Marcus®, Bergdorf Goodman®, Last Call®, Horchow®, and CUSP®. For every 10,000 points, you’ll receive a $100 InCircle gift card to use with any of those merchants. Terms apply.

By Invitation Only® access

American Express offers specially curated experiences for eligible The Platinum Card® from American Express Members. Events range from sporting and fashion to fine dining, art, and performances. Terms apply.

Preferred Seating

Get access to premium seats for eligible events (based on availability). Tickets can be purchased online, through an app, or by phone. Terms apply.

American Express Auto Purchasing Program

Through a partnership with TrueCar, qualifying Platinum Card® Members can receive a Guaranteed Savings Certificate good at participating dealerships. You can also use your Amex card to pay for at least $2,000 of the purchase amount (and potentially up to the full amount). Terms apply.

Amex Platinum Card travel benefits

When comparing cards by travel benefits, there aren’t many that come close to The Platinum Card® from American Express. It offers flexible points, top-notch airport lounge access, elite status with multiple hotels, and much more. Terms apply.

American Express Membership Rewards points

One of the best benefits of The Platinum Card® from American Express for travelers is its transferable points. You can turn your points into frequent flyer miles or hotel rewards with any of these travel partners (terms apply):

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