American Express Platinum Card

Premium Global Assist Hotline: If emergency medical transportation is approved and coordinated by the Premium Global Assist Hotline, transportation may be provided at no cost to the cardholder. If arranged independently (not through Amex's hotline), cardholder is responsible for all third-party costs. No stated dollar cap when arranged through the Hotline. Available when traveling more than 100 miles from home.

Up to $500,000 for accidental death or dismemberment for the cardholder and immediate family members while traveling on a common carrier when the ticket is purchased with the card.

[UNCONFIRMED — Guide to Benefits required. Baggage delay (separate from lost/stolen baggage) coverage terms not publicly confirmed for the Platinum card.]

Up to $500 per covered trip for delays of more than 6 hours. Maximum 2 covered trips per 12-month period. Covers reasonable additional expenses (meals, lodging, toiletries, etc.).

Up to $10,000 per covered trip; maximum $20,000 per eligible card account per 12-month period. Covered reasons include accidental bodily injury, illness, severe weather, court subpoena, jury duty, terrorist actions, and quarantines. Full trip cost must be charged to the card.

Centurion Lounges: Unlimited cardholder visits; as of July 8 2026 access window tightened to within 5 hours of flight, 1 complimentary guest per visit (2 with $75K annual spend), additional guests $50/adult or $30/child ages 2–17. Priority Pass Select: Unlimited cardholder visits at 1,550+ lounges; guests $35/person. Delta Sky Club: 10 visits/Medallion Year on same-day Delta flights; guests $50/person; unlimited with $75K annual spend. Escape Lounges: Unlimited U.S. access. Plaza Premium: Unlimited + 1 complimentary guest. Hotel Status: Marriott Gold Elite (auto), Hilton Gold (auto), Leading Hotels Sterling (auto).

Up to $800 per claim; $50 deductible per claim; maximum 2 claims per eligible card account per 12-month period. Covers theft and accidental damage (including cracked screens). Must pay monthly cell phone bill with the Platinum Card. Does not cover lost phones, cosmetic damage, or normal wear and tear.

Return Protection: Up to $300 per eligible item; up to $1,000 per account per year. Covers eligible items for 90 days from purchase date if the merchant won't accept a return.

Extended Warranty: Adds 1 additional year to the original manufacturer's warranty for eligible items with warranties of 5 years or less. Coverage up to $10,000 per item; up to $50,000 per account per year.

Purchase Protection: Covers eligible purchases against accidental damage or theft for 90 days from purchase date. Up to $10,000 per covered incident; up to $50,000 per account per year.

Lululemon Credit: up to $300, resets Quarterly.

$195 per additional Platinum card member per year. Each authorized user receives full lounge access benefits (Centurion, Priority Pass Select enrollment, Delta Sky Club visits), hotel status, and other Platinum perks independently.

Car Rental Loss and Damage Insurance: Secondary coverage up to $75,000. Optional Premium Protection (primary, no deductible) available at $12.25–$24.95 per rental period. Complimentary rental status with National Emerald Club Executive, Avis Preferred, and Hertz President's Circle.

None by default. Rental car coverage is secondary unless Premium Protection is purchased.

Baggage Insurance Plan: Up to $3,000 per covered person per single trip. Carry-on: up to $3,000/person/trip; checked: up to $2,000/person/trip. Specialty/high-value items: up to $1,000/person/trip (NY residents: $2,000). Coverage applies when the full ticket is charged to the card.

Same Membership Rewards network. Airlines (1:1 unless noted): Aer Lingus, Air Canada Aeroplan, Air France-KLM Flying Blue, ANA, Avianca LifeMiles, British Airways, Cathay Pacific (5:4), Delta SkyMiles, Emirates (5:4), Etihad Guest (ending June 30 2026), Iberia, JetBlue (1:0.8), Qantas, Qatar Airways, Singapore KrisFlyer, Virgin Atlantic. Aeromexico: 1:1.6. Hotels: Choice Privileges (1:1), Hilton Honors (1:2), Marriott Bonvoy (1:1).

Up to 175,000 Membership Rewards points after spending $12,000 in eligible purchases within the first 6 months. Welcome offers vary by applicant. Amex one-bonus-per-lifetime restriction applies.

5x Membership Rewards points on flights booked directly with airlines or through AmexTravel.com (up to $500,000 per calendar year in combined purchases, then 1x); 5x on prepaid hotels booked through AmexTravel.com; 1x on all other eligible purchases.