Why the Amex Platinum is Worth It: How to Activate All of Your Benefits for Maximum Value in 2025
27.01.2025 - 14:39
/ insider.com
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The Platinum Card® from American Express is one of the most expensive consumer cards publicly available today.
But the Amex Platinum Card is well worth the $695 annual fee (rates and fees) if you regularly travel through airports with Amex Centurion Lounges or Delta Sky Clubs, use Uber or UberEats at least once a month, spend at least one weekend a year in a hotel, or subscribe to streaming services like Hulu or Disney.
That's because this card comes with access or reimbursements for all of these services — and many more. Our guide to the Amex Platinum Card's benefits helps you understand how to use and maximize these perks to get your money's worth.
Earn 5 Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1 Point on other purchases.
$695
N/A
See Pay Over Time APR
Earn 80,000 Membership Rewards® points
Good to Excellent
If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, and more.
The Amex Platinum Card offers dozens of benefits, both big and small. Some require activation or only apply in specific situations, while others automatically kick in when you become a card member.
The most important benefits that require enrollment include:
Enrollment or activation is required for all of these benefits before you can use them and terms apply.
The Amex Platinum Card also offers many perks that don't require a prior step. In many cases, benefits only apply if you purchase the product or service using your Amex Platinum Card, or if you're traveling with a specific airline.
Most of these benefits come with important restrictions or exclusions, so make sure you carefully read the fine print. For example, car rental loss and damage insurance does not apply in Australia, Italy, or New Zealand, and does not include liability coverage.
This premium card offers many benefits, and you can easily get at least the value of the annual fee out of it if you use even half of the perks each year.
Here's what to do at the beginning of each new year, or as soon as you get your card.
One of the biggest perks of The Platinum Card® from American Express is an airline fee credit every calendar year.
To use