Both the personal and business versions of the American Express Platinum Card offer a suite of perks. There are so many perks that are offered, that a separate post to review them is necessary.

The personal version’s annual fee is $550, and the business version’s is $595. Both fees are NOT waived the first year. But you will likely derive positive expected value from either card, so consider the fee an investment.

This is the final post in my Amex Platinum Series. The first two posts spotlighted the personal and business versions of the card respectively.


Common Perks

Airline Fee Credits

Both cards give you $200 per year in airline incidental fee credits. Amex intends them to be used for things like in-flight purchases and checked bags. But people have used them for gift cards. The trick is to buy multiple gift cards under $100 sporadically throughout the year.

Airport Lounge Access

This perk gives you access to over 18,000 airport lounges around the world. These include Amex’s own Centurion Lounges, Priority Pass, Delta (if you’re flying Delta the day you visit), and Airspace Lounges. The lounges give you a nice space to relax, eat, drink, and get ready before boarding your flight.

Marriott & Hilton Gold Status

You receive automatic Gold status from two of the largest hotel chains in the world. Both hotels offer free room upgrades (when available) that could justify the annual fee within one trip.

Marriott Gold also gives you a small points bonus when you check in, guaranteed 2 PM checkout time, and exclusive hotel discounts.

Hilton Gold also gives you free breakfast for two for each day you stay, a fifth night free when using points, two bottles of water, and an 80% bonus towards future free nights.

Global Entry / Pre-TSA Fee Credits

You will receive a credit once every 4-5 years to waive the fee for either program. I suggest going with Global Entry because Pre-TSA comes with that membership automatically.

Global Hotel Collection

This perk gives you a $75 (personal) or $100 (business) statement credit and a room upgrade. The room upgrade could be worth hundreds of dollars (and possibly justify the card’s annual fee), depending on where you stay. The catch is that you need to book you a hotel room with your Platinum card through

Global Dining Collection

Foodies rejoice! This benefit lets you dine at some of the best restaurants in the world. You might also meet a celebrity or world-renowned chef after your meal.

Preferred Seating

If you’re a concert or event lover, this is a fabulous perk. You will have access to getting tickets to events before the general public. In turn, you also get the best seats because you’ll have first choice.

Platinum Concierge

This is a great way to get reservations for popular restaurants and events that are sold out to the general public. Many fancy restaurants hold seats for Platinum (and Centurion) card-members to take advantage of this benefit.

Pay Over Time

This feature enables you to finance larger expenses over time for a high interest rate.

Amex sometimes offers a bonus of 10,000 MR points if you enroll. I was given this offer for my Business Platinum and I gladly accepted. If you get the same offer, I highly recommend taking it. You don’t have to use this perk once enrolled.


Personal Only

Uber Credits & VIP Status

You receive a $15 monthly Uber credit from January to November and a $35 credit in December, for a total of $200. The credits can only be used within the US and they don’t carry over after a given month ends.

VIP Status lets you only receive drivers with at least a 4.8 / 5.0 rating.

I don’t use Uber, so these perks are useless for me.

Saks 5th Avenue Credits

This perk gives you two $50 credits to Saks every six months. If you shop there at least twice per year and combine the credits with an Amex Offer, you could receive hundreds in value.


Business Only

35% Points Rebate

When you use MR points to pay for a trip on, you get a 35% points rebate for future trips. This perk increases the value of your points and gives an incentive to use

GoGo In-Flight Wi-Fi Passes

This perk gives you 10 passes per card-member year. This perk is vital for businesspeople and travelers on the go.

Avis, Hertz, & National Status

This benefit gives you mid-tier status at the three car rental companies. My family and I use Enterprise, so these benefits will only be useful if Enterprise can’t help me.

Dell Credits

These credits are useful for technology companies and people wanting to buy computers or other technology.

We don’t know if these credits are going to be $200 for one year or split up in some fashion. If the former is the case, these credits will be nice. If they are split up like the personal Platinum’s Uber credits, then they will be useless.

We Work Global Access Membership

This benefit is a one-year membership for We Work. We Work is a series of shared workspaces for businesspeople and entrepreneurs on the go.

Amex is advertising this benefit’s value at $2,700. They also mentioned that this is a temporary benefit that will go away in early 2020.


Final Draw

Both versions of the American Express Platinum Card have the best suite of perks in the business. The key with holding either card is to consistently use as many perks as possible. In doing so, you will increase your positive expected value and justify the high annual fee.

As a Business Platinum card-member, I will receive the most value from the hotel statuses and airport lounges access. One five-night stay at a Marriott or Hilton, for example, could be enough to justify the annual fee.