American Express
The American Express Platinum packs $3,504 in annual benefits into a $895/year card. That is a lot to keep track of. Most holders miss hundreds in value every year simply because they lose track of what resets when.
$895
Annual Fee
$3,504
Total Benefit Value
+$2,609
Net Value
| Benefit | Value |
|---|---|
|
$600 Hotel Credit
Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings made via American Express Travel. The Hotel Collection requires a minimum two-night stay. |
$600 |
|
$400 Resy Dining Credit
Get up to $100 in statement credits each quarter on eligible purchases at U.S. Resy restaurants or other eligible Resy purchases. Enrollment required. |
$400 |
|
$300 Digital Entertainment Credit
Get up to $25 in statement credits each month for eligible purchases with Disney+, Hulu, ESPN+, Peacock, The New York Times, The Wall Street Journal, YouTube Premium, YouTube TV, and Paramount+. Enrollment required. |
$300 |
|
$300 Lululemon Credit
Get up to $75 in statement credits each quarter for eligible purchases at Lululemon retail stores (excluding outlets) and lululemon.com in the U.S. Enrollment required. |
$300 |
|
$300 Equinox Credit
Get up to $300 in statement credits each calendar year on eligible Equinox club membership fees or a digital subscription to Equinox+. Enrollment required. |
$300 |
|
$200 Airline Fee Credit
Get up to $200 in statement credits per calendar year for incidental fees (checked bags, seat selection, etc.) charged by one selected qualifying airline. |
$200 |
|
$200 Uber Cash
Get $15 in Uber Cash each month, plus a bonus $20 in December, for rides or Uber Eats orders in the U.S. Must add card to Uber account. |
$200 |
|
$200 Oura Ring Credit Get up to $200 in statement credits each calendar year for the purchase of an Oura Ring directly from Oura. Enrollment required. |
$200 |
|
$209 CLEAR Plus Credit
Cover the cost of a CLEAR Plus membership with up to $209 in statement credits per calendar year. |
$209 |
|
Walmart+ Membership Credit Cover the monthly cost of a Walmart+ membership ($12.95/mo) with statement credits. Plus Ups not included. |
$155 |
|
Uber One Membership Credit Get up to $120 in statement credits each calendar year toward an auto-renewing Uber One membership. |
$120 |
|
$100 Saks Fifth Avenue Credit Get up to $50 in statement credits from January through June, and up to $50 from July through December, for purchases at Saks Fifth Avenue or saks.com. |
$100 |
|
Global Entry or TSA PreCheck Credit Receive a $120 statement credit for Global Entry every 4 years or up to $85 for TSA PreCheck every 4.5 years. |
$120 |
|
SoulCycle At-Home Bike Credit Get a $300 statement credit for the purchase of a SoulCycle At-Home Bike (one-time or per purchase limitation applies). Must be an Equinox+ member. |
$300 |
|
Centurion Lounge Access Unlimited complimentary access to The Centurion Lounge locations. Guests cost $50 per adult unless spending $75,000+ annually on the card. |
Included |
|
Delta Sky Club Access 10 complimentary visits per year when flying on a same-day Delta-marketed or operated flight. Spend $75,000+ in a calendar year to unlock unlimited visits. |
Included |
|
Priority Pass Select Membership Complimentary membership with access to over 1,400 lounges worldwide. Enrollment required. |
Included |
|
Hilton Honors Gold Status Complimentary Gold status with Hilton Honors. Enrollment required. |
Included |
|
Marriott Bonvoy Gold Elite Status Complimentary Gold Elite status with Marriott Bonvoy. Enrollment required. |
Included |
|
Leaders Club Sterling Status Complimentary Sterling Status with The Leading Hotels of the World. Includes 5% bonus points and upgrades. Enrollment required. |
Included |
|
Hertz President's Circle Status Complimentary top-tier status with Hertz Gold Plus Rewards. |
Included |
|
National Emerald Club Executive Status Complimentary Executive status with National Car Rental. |
Included |
|
Avis Preferred Status Complimentary Avis Preferred Plus status. |
Included |
|
Trip Delay Insurance Reimbursement of up to $500 per covered trip if delayed more than 6 hours. Limited to 2 claims per 12-month period. |
Included |
|
Trip Cancellation and Interruption Insurance Reimbursement of up to $10,000 per covered trip and $20,000 per eligible card per 12-month period for non-refundable expenses. |
Included |
|
Purchase Protection Covers damage, theft, or loss for 90 days from purchase. Up to $10,000 per claim and $50,000 per calendar year. |
Included |
|
Cell Phone Protection Reimbursement for damage or theft up to $800 per claim with a $50 deductible. Limit 2 claims per 12-month period. |
Included |
|
Extended Warranty Adds up to 1 additional year to the original manufacturer's warranty of 5 years or less. Coverage up to $10,000 per item. |
Included |
|
Return Protection Reimbursement for eligible items the merchant won't accept back within 90 days. Up to $300 per item, $1,000 per year. |
Included |
$3,504
Total benefits
- $895
Annual fee
= +$2,609
Net value
Yes. The American Express Platinum offers $3,504 in total benefits against a $895 annual fee, leaving you $2,609 ahead. The key is actually tracking and using those benefits before they reset. That is exactly what Prky helps with.
Prky tracks every American Express Platinum benefit, sends reset alerts, and shows your real ROI. No card numbers needed.
Track These Benefits FreeThe annual fee for the American Express Platinum is $895 per year. The card offers approximately $3,504 in total annual benefits across 29 perks and credits. Top credits include the $600 Hotel Credit, the $400 Resy Dining Credit, the $300 Digital Entertainment Credit.
The American Express Platinum offers 29 benefits worth approximately $3,504 per year. Key benefits include $600 Hotel Credit, $400 Resy Dining Credit, $300 Digital Entertainment Credit. The card also includes 6 insurance benefits for added protection.
If you use a majority of the available credits, the American Express Platinum more than pays for itself. The total benefit value is $3,504 against the $895 fee, leaving you $2,609 ahead.
The American Express Platinum has benefits that reset on different schedules: Semi-Annually, Quarterly, Monthly, Annually, One-Time. 3 benefits reset monthly, so missing even one month means lost value. Prky tracks all reset dates and sends alerts before credits expire.
Yes, the American Express Platinum includes 6 insurance benefits: Trip Delay Insurance, Trip Cancellation and Interruption Insurance, Purchase Protection, Cell Phone Protection, Extended Warranty, Return Protection. These protections are included at no extra cost as part of your cardmember benefits and can save you hundreds on separate insurance policies.
Prky tracks all 29 American Express Platinum benefits automatically, including $600 Hotel Credit and $400 Resy Dining Credit. The dashboard shows dollar values, usage status, and upcoming reset dates for each benefit. Benefits reset on semi-annually, quarterly, monthly, annually, other schedules. You get email alerts before credits expire so nothing goes to waste.
Whether you carry the American Express Platinum or five other premium cards, Prky makes sure you use every benefit you are paying for.
Start Tracking FreeNo card numbers. No bank login. Takes 30 seconds.