Hyatt Credit Card Tier-Qualifying Night Credits Guide [2021]

The World of Hyatt Credit Card is one of the most lucrative travel rewards credit cards. One reason that it stands out is that it offers you the ability to climb up the elite status latter beginning with Hyatt Discoverist status.

There are a couple of different perks that will help you do this and in this article I will break down each of those.

I’ll first go into detail about the 5 World of Hyatt Tier-Qualifying Night Credits and then I will talk about the Tier-Qualifying Night Credits for every $5,000 in spend.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

World of Hyatt Card

The World of Hyatt Card is one of the best hotel credit cards available since it comes with a great sign-up bonus, strong bonus category earning, and the opportunity for free nights. It’s also one of the best hotel cards for climbing your way up the elite status tiers for Hyatt. You can read our full detailed review here. 

  • Welcome Bonus
    • 30,000 Bonus Points after $3,000 in purchases within 3 months of account opening
    • Plus, 2 points total per $1 spent on purchases that earn 1 point, up to $15,000 in spend in the first 6 months of account opening
  • Bonus earning: 
    • 4X spent with your card at Hyatt hotels, including participating restaurants and spas
    • 2X on local transit and commuting, including taxis, mass transit, tolls and ride-share services
    • 2X at restaurants, cafes and coffee shops
    • 2X on airline tickets purchased directly from the airline
    • 2X spent on fitness club and gym memberships
  • Free nights: 
    • Receive one free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary
    • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Elite status:
    • Comes with Hyatt Discoverist status
    • Receive 5 qualifying night credits toward your next tier status every year
    • Earn 2 additional qualifying night credits toward your next tier status every time you spend $5,000 on your card
  • $95 Annual Fee 

5 World of Hyatt Tier-Qualifying Night Credits

If you hold the World of Hyatt Credit Card, every calendar year you will be issued 5 World of Hyatt Tier-Qualifying Night Credits.

If you just opened up the credit card, you will receive these credits shortly after your account open date.

After the first year, the terms and conditions state that you will receive these within eight weeks of January 1 but in reality these often hit much quicker.

You might even see them arrive in your Hyatt account a few days after the new year. This past year in 2021, my five qualifying night credits hit my account on January 12.

You can easily check to see if and when the elite night credits are hitting your account by logging into your Hyatt account. Go to “My Account” and then click on “Past Activity.”

If your credits have hit, you will see an entry for “Chase Credit Card Night Credits.”

How the elite night credits will appear in your account.

These credits will be valid from the date that they arrive in your account until December 31 of the same calendar year. So if you received them in January 2021, they will count toward your elite status earned during the year of 2021.

These five elite night credits do not stack with your automatic Hyatt Discoverist status that you get with the World of Hyatt Credit Card.

For example, typically you would need 10 qualifying nights to get to Discoverist.

So you might think that these five elite night credits would start you off with 15 qualifying nights but that is not the case. Instead, you will simply have five qualifying nights but with all of the benefits of having Discoverist.

The good news is these five elite night credits are applied to milestones benefits.

These are special awards that you can earn as you complete more nights and the benefits include things like bonus points, suite upgrades, a free night award, a gift card, and club lounge access awards.

Tier-Qualifying Night Credits For Every $5,000 in spend

One of the most attractive perks of this credit card is the ability to earn two Tier-Qualifying Night credits for every $5,000 in spend.

The spend tracker does not reset at the end of the year and tracks from the original account open date. But you will receive the elite night credits in the calendar year in which the spend occurred.

For purposes of your elite status with Hyatt, the night credits are tied to the posting date of the transaction that triggered the credit.

So if you had purchases made and posted in December 2021, those purchases would count towards the elite status earned in 2021 even if the statement containing those purchases closed in January 2022.

One of the coolest things about this perk is that you can earn an unlimited amount of elite night credits.

Here is a look at the elite levels for Hyatt and how to qualify.

  • Discoverist (10 qualifying nights, 25,000 Base Points, or holding 3 qualifying meetings/events per year.)
  • Explorist (30 qualifying nights, 50,000 Base Points, or holding 10 qualifying meetings/events per year.)
  • Globalist (60 qualifying nights, 100,000 Base Points, or holding 20 qualifying meetings/events per year.)
  • Lifetime Globalist status (Earn 1,000,000 Base Points over the course of your program membership)

If you have the World of Hyatt Card, you can basically subtract five qualifying nights from the initial requirements.

  • Explorist (25 qualifying nights)
  • Globalist (55 qualifying nights)

You could then spend your way to these with these levels of spend:

  • Explorist ($65,000 in spend)
  • Globalist ($140,000 in spend)

So you can see why this perk is so valuable to high spenders. It grants them an annual shortcut to top level elite status.

Just like the five elite night credits above, these credits will also apply to milestones benefits.

Chase says that you should allow up to eight weeks from the last day of the calendar month when you qualify for the credits to be added to your Hyatt account.

So if you were to spend $5,000 on June 15, then you should allow up to eight weeks from the end of June for the credits to arrive. However, there are many reports of these credits appearing much quicker than eight weeks.

In many cases, you might receive the credits within a couple of days after the statement closes that contains the required spend. Just remember what I said above, for calculating your elite status the credits apply to the year that the spend was made and not the year that the statement containing the spend closes.

There are some excluded purchases that will not trigger this benefit in these include:

  • Balance transfers
  • Cash advances
  • Travelers checks
  • Foreign currency
  • Money orders
  • Wire transfers or similar cash-like transactions
  • Lottery tickets
  • Casino gaming chips,
  • Race track wagers or similar betting transactions
  • Any checks that access your account
  • Interest
  • Unauthorized or fraudulent charges
  • Fees of any kind, including an annual fee

And finally, to receive the credits your account must be open and not in default.

FAQ

When do I receive the five elite night credits?

You will receive the elite night credits shortly after you open up your World of Hyatt Credit Card and then usually every January after your first year.

Can I get the five elite night credits if I close my card?

In order to qualify for the five elite night credits each January, your World of Hyatt Credit Card account must be open and not in default.

Do authorized users get the five elite night credits?

No, authorized users do not get the credits.

Do authorized user purchases count towards the two Tier-Qualifying Night credits for every $5,000 in spend?

Yes, the purchases made by authorized users will count towards this spend requirement. However, the credits will only be issued to the primary cardholder.

Is there a limit to the number of elite night credits you can earn for every $5,000 in spend?

No, you can earn an unlimited amount of elite night credits.

Does the annual fee count towards the $5,000 spend for the elite night credits?

No, the annual fee does not qualify as spend for that benefit.

Final word

As you can tell, these perks are great ways to climb higher when earning elite status with Hyatt. It’s great that they start you off with five elite night credits and the two elite night credit you get with spend our extremely valuable, especially for high spenders.

Southwest Airlines Anniversary Points (Credit Cards) Explained [2021]

Perks that arrive every account anniversary are often the best reasons to keep a card for the long term. They offer consistent value that you can always rely on to offset your annual fee and they typically add some nice value to your travels.

When it comes to Southwest Airlines credit cards, these cards offer a few different types of recurring benefits that can easily offset your annual fees.

In this article, I’ll focus on the anniversary points that these cards offer and give you an idea on how much value you can expect to receive.

What are the Southwest anniversary points?

Every account anniversary, Southwest credit card members will be issued a certain number of anniversary points depending on the type of Southwest credit card they have. These bonus points could range from 3,000 points to 9,000 points.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Southwest credit card anniversary bonuses

Below are the Southwest credit cards offered by Chase and how many anniversary points you can expect to receive.

Card NameAnniversary bonus
Southwest Airlines Rapid Rewards Plus Card3,000
Southwest Airlines Rapid Rewards Premier Card6,000
Southwest Airlines Priority Card7,500
Southwest Airlines Rapid Rewards Premier Business Card6,000
Southwest Airlines Rapid Rewards Performance Business Card9,000

Note: If you have an older Southwest credit card it is possible that you could have been grandfathered in to receive more points.

Southwest Airlines Rapid Rewards Premier Card

  • $99 Annual fee
  • No foreign transaction fees
  • 6,000 anniversary points
  • Earn 1,500 Tier-Qualifying Points for every $10,000 in purchases, up to 15,000 Tier-Qualifying Points each calendar year

Southwest Airlines Rapid Rewards Plus Card

  • $69 Annual fee
  • 3,000 anniversary points

Southwest Airlines Priority Card

  • Bonus spending:
    • 2X Rapid Rewards on Southwest purchases
    • 2X Rapid Rewards on hotel and car rental partner purchases.
    • 1X Rapid Rewards on all other purchases
  • $75 Southwest annual travel credit
  • 7,500 anniversary points each year
  • Four Upgraded Boardings per year when available.
  • 20% back on in-flight drinks, WiFi, messaging, and movies
  • No foreign transaction fees
  • Earn tier qualifying points towards A-list Status
  • $149 annual fee applied to your first billing statement

Southwest Airlines Rapid Rewards Premier Business Card

  • $99 Annual fee
  • No foreign transaction fees
  • 6,000 anniversary points
  • Earn 1,500 Tier-Qualifying Points for every $10,000 in purchases, up to 15,000 Tier-Qualifying Points each calendar year

Southwest Airlines Rapid Rewards Performance Business Card

  • $199 Annual fee
  • No foreign transaction fees
  • 9,000 anniversary points
  • 4 upgrades per year
  • in-flight wifi credits
  • Earn 1,500 Tier-Qualifying Points for every $10,000 in purchases, up to 15,000 Tier-Qualifying Points each calendar year
  • Best sign-up bonus ever: 80,000 Rapid Rewards
  • Full review here

The Southwest Airlines Rapid Rewards Plus Business Card was discontinued in prior years.

Anniversary points value

Now that you have a sense of how many anniversary bonus points you can expect with each Southwest credit card, let’s take a look at the value proposition.

We analyzed over 70 data points to arrive a valuation for Rapid Rewards and that valuation came out to 1.46 cents per point, so I will use that for this analysis.

Card NameAnniversary bonusBonus ValueAnnual Fee
Southwest Airlines Rapid Rewards Plus Card3,000$43.80$69
Southwest Airlines Rapid Rewards Premier Card6,000$87.60$99
Southwest Airlines Priority Card7,500$109.50$149
Southwest Airlines Rapid Rewards Premier Business Card6,000$87.60$99
Southwest Airlines Rapid Rewards Performance Business Card9,000$131.40$199

First, it’s worth pointing out that in some instances you can get even more value for your Rapid Rewards. During our research, we found some redemptions where you could net 1.8 or even 1.9 cents per point.

If you were to strategically seek out those redemptions then the amount of value you receive from the anniversary points could be substantially higher.

In fact, at those redemption levels you could easily offset the annual fee of some of the cards.

For example, 6,000 points with a valuation of 1.8 cents per point would come out to $108 in value which is more than the Southwest Premier Card $99 annual fee.

But even if you can’t offset the annual fee with the anniversary points alone, some cards will offer you other perks that allow you to do this quite easily.

For example, the Southwest Airlines Priority Card comes with a $75 credit.

If you stack the credit on top of the $109 received from the anniversary bonus, then you clearly come out on top of the $149 annual fee.

And that is without even factoring in the additional value you could get from the upgrades that come with the card. So not only can you cancel out the annual fee, but you can come out on top by a huge margin.

The other thing to consider is that if you have the Southwest Companion Pass you can effectively double your account anniversary points.

The Southwest Companion Pass is a pass that allows a companion to fly for free with you on Southwest flights for up to two calendar years — it’s generally considered one of the most valuable travel perks available.

Because someone can fly with you for free, if you can use 9,000 points for a flight, then you essentially have 18,000 points at your disposal.

That means that the value of that anniversary bonus is technically doubled so always keep that in mind.

Related: What Are the Best Seats on Southwest? (And How to Get Them)

Account anniversary defined

“Account anniversary year” means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. 

This just means that you can expect to receive the anniversary points every year after you have had the card for 12 months.

I’ve seen some reports of people receiving the anniversary points both before and after the annual fee posts.

Therefore, this is probably an area where your mileage may vary in terms of the timing of your anniversary points.

Southwest anniversary points FAQs

Do I have to enroll to receive the points?

No, the points will be automatically deposited into your account.

Can I get the points if I cancel my card?

If your points are already in your Southwest account, you will not lose the points for canceling your card.

Just keep in mind that you could be jeopardizing your relationship with Chase if you are canceling cards directly after receiving a benefit.

How much are the anniversary points worth?

Southwest Rapid Rewards are worth 1.46 cents per point, which means that 6,000 anniversary points would be worth $87.60.

Can I get multiple anniversary points bonuses?

Yes, you can receive an anniversary bonus for each eligible Southwest credit card.

Do Southwest Airlines anniversary points count towards the Companion Pass?

Yes, because these anniversary points should be counted as points from a Southwest credit card, they should count towards the Companion Pass.

Final word

As you can tell, these anniversary point bonuses can offset a huge portion of the annual fee.

If you are able to utilize your points for some of the best redemptions then the anniversary bonuses could even offset the entire annual fee.

Therefore, I would be very cautious about canceling Southwest credit cards that offer these bonuses.

American Express Car Buying (Auto Purchasing Program) Review [2021]

Offers contained within this article maybe expired.

A lot of people have no idea that American Express actually has its own TrueCar portal to help you purchase automobiles and potentially cash in on savings. It’s a cool feature for Amex cardmembers but is it worth it? Or can you actually find better deals elsewhere?

In this article, I will explain what the American Express car buying (Auto Purchasing Program) process looks like and also give you some real-world examples of the discounts and prices I found.

What is the Amex Auto Purchasing Program?

The Amex Auto Purchasing Program is an online portal powered by TrueCar where you can find TrueCar certified dealerships that allow you to purchase vehicles with American Express cards (at least partially) and get special discounts and other perks with your purchase.

TrueCar is an “automotive pricing and information website for new and used car buyers and dealers.” The way TrueCar works is that TrueCar gets compensated by dealerships so they can obtain potential buyers’ contact information and potential car buyers get access to online reports showing what others have paid for cars.

The Amex Auto purchasing program is basically a special version of TrueCar. 

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

How much can you save with the Amex Auto Purchasing Program?

American Express states that: “Between 7/1/16 and 9/30/16, the average savings off the MSRP presented by TrueCar Certified Dealers participating in the American Express Auto Purchasing Program, was $3,272.”

The thing about this number is that it only talks about the savings off the MSRP — it doesn’t mean that the average savings were $3,272 compared to dealerships. So I would not go into this assuming that you will be saving money with the Amex Auto Purchasing Program compared to normal dealership prices.

Related: What to Bring When Buying a Car (Detailed Checklist)

What American Express cards can you use with the Auto Purchasing Program?

You should be able to use any American Express card with the program. So it doesn’t matter if you have one of the premier cards like the American Express Platinum Card (full review here) or the American Express Gold Card or if you have a card like the Amex EveryDay card, you should qualify for the benefits.

How much can you put on your Amex card?

The total amount that you can put on your American Express card will just depend on the dealership. All of the dealerships that you find accept at least $2,000 towards a down payment, but you might even be able to find a dealership that accepts more.

In the past, the portal would indicate if you could put an entire purchase on your card. I did not see any of these buttons when I searched for vehicles so I’m not sure if the feature is no longer available or if I just was not able to find a dealership that accepted the entire purchase.

For this reason, you may need to contact the dealership individually and inquire about purchasing an entire car with your American Express card.

How the American Express Auto Purchasing Program works

The first thing that you want to do is go to this link right here and begin the search process.

On that homepage, you should see an option to begin searching for either new or used vehicles. To initiate the search simply select your make and then enter in your ZIP Code. In my case, I went ahead and searched for new vehicles.

You should then be directed to a page where you can choose the model. In my case, I selected Jeep so I went ahead and selected Jeep Grand Cherokee (which happens to be what I actually drive).

I then had the opportunity to customize my preferences for the vehicle. For example, I chose four-wheel-drive and also chose the Jeep Trailhawk in white. I could also customize other features like the color of the exterior, interior, and popular configurations such as choosing a type of sunroof.  Note: the search results will not only include your preferences.

After you choose your vehicle and preferences you will then need to verify your information.

Verifying your information

In order to take advantage of all of the features you will first need to verify your information. This is a four step process that will only take you a minute or two to finish, but you will want to make sure that you know what you are agreeing to.

Email

The first step is to provide your email. I would advise you to create a throwaway email that you will use exclusively for this search feature. The reason is due to the terms and conditions which state:

I agree that TrueCar and its Certified Dealers may communicate with me via email, text, or phone. Some dealers may use automated technology.

After you provide them with your email address, you will receive many emails and your inbox will be flooded. I think it is just much easier to create a throwaway Gmail account and handle all of these transactions through that.

On the plus side you will have instant contacts at various dealerships that you can work with. I have heard of some people “ccing” sales reps from different dealerships in a single email and allowing them to essentially out-bid and out-hustle each other for your business.

I haven’t personally tried this method but this could be a way to potentially save yourself both time and money.

After providing your email you will need to provide your full name and your phone number. You’ll then be able to choose your contact preferences which can be either by email or by phone and email. Again, I would suggest that you only select email to minimize getting overwhelmed by people reaching out to you. And finally, you will need to provide your address.

Viewing the search results

After you finish verifying the information that’s when you can really get in and see some of the details. You should see a search results page with a few dealerships and the vehicles you are interested in along with prices.

If you click on a vehicle and scroll down on the page you can see a graph showing you the average market price that people actually paid as well as the MSRP. Keep in mind that this average price is for your local area that you input the ZIP Code for. So in my case you can see the price below for Houston.

On this page, you can find details about things like the transmission, sound system, miles per gallon, and all of those other basic details you would be interested in. You can also view photos of the vehicle.

Incentives

You might also be able to select some incentives that could reduce the cost of your purchase (these didn’t show up for every search). Here are some of the incentives that did show up for the Jeep Grand Cherokee:

  • 2019 Jeep Grand Cherokee Retail Customer Cash Allowance: $1,750
  • 2019 CCAP Chrysler Capital Financing Retail Bonus Cash: $1,000
  • 2019 Chrysler Capital Standalone APR Special Financing
  • 2019 Chrysler, Dodge, FIAT and Jeep National Association of Realtors Bonus Cash: $500
  • 2019 Chrysler, Dodge, FIAT, Jeep and RAM Military Cash Allowance: $500
  • 2019 Jeep Grand Cherokee Lease Bonus Cash: $2,000
  • 2019 Jeep Grand Cherokee Lease Cash Allowance: $250
  • 2019 Jeep Grand Cherokee Lease Loyalty Bonus Cash: $1,500
  • 2019 Jeep Grand Cherokee Limited 4WD IDL Lease Bonus Cash: $3,750
  • 2019 Jeep Grand Cherokee Special Financing
  • 2019 Returning Lessee Loyalty Bonus Cash: $500

Many of these incentives cannot be combined with other incentives and some have expiration dates so make sure that you read up on the terms and conditions. You can find those terms and conditions and the drop-down arrow next to the incentives whenever you are selecting them.

And finally, if you are not sure about which incentives to qualify for it might be a good idea to make a list of them and then to inquire with the dealership to see which ones apply.

The pricing

This is where things got a little bit interesting.

The results showed me a full price breakdown with all of the different applicable discounts. But I wanted to cross check this with the prices listed on the website of the actual dealership. This is very easy to do because they give you identifying information like the VIN and the stock ID number so that you can easily locate the exact vehicle at a dealership’s website.

Well, whenever I located a couple of the Jeep Grand Cherokees on the dealership website, I found that the prices were cheaper on the dealership website. For example, here is one that is about $500 cheaper.

And here is another one where the price is over $1,000 cheaper. Again these are the same exact vehicles.

Now, if you notice, the “conditional final price” for these vehicles is even cheaper. In fact, it is cheaper by a few thousand dollars. However, I did not trust what they meant by conditional final price and so I just assumed that those discounts did not apply and went with the final price.

I am not saying that you can’t get these lower final prices with the Amex Auto Purchasing Program. However, I do think that it is very valuable to know that the prices listed on there are not as cheap as the final prices listed on the dealership websites.

So when it comes to using the Amex Auto Purchasing Program, I highly suggest that you do additional research and cross check the prices with the actual dealership’s website.

Post-purchase benefits

The Amex Auto Purchasing Program offers benefits that you can take advantage of after your purchase. Basically you can get up to $2,000 worth of coverage for auto repair in for auto deductible payments when you purchase through a Certified Dealer.

Auto Repair Expense & Reimbursement

You can get reimbursed for 20% of your payment made to repair your vehicle. This covers up to a $500 reimbursement on repairs and includes parts and you can use this up to two times per year. Just note that this service not available in New Hampshire or New York.

Auto Deductible Reimbursement

When you file a claim with your insurance company, you can get reimbursed for your insurance deductible up to $500, two times per year. Again this not available in New Hampshire or New York.

Auto Expert Opinion

You will be able to talk directly to a certified mechanic to discuss questions you might have on recommended repairs and cost, sounds your car is making, etc. You can take advantage of this perk on an unlimited basis.

Report Your Purchase

In order to get these perks you first need to buy your new or used vehicle from a Certified Dealer. Purchases at non-certified dealers will not be eligible for TrueCar Buyer’s Bonus benefits.

You will then need to register online.  After you buy your vehicle from a Certified Dealer, return to the Auto Purchasing Program webpage within 45 days and enter your email to get started.

You will need to have your VIN, dealership details, and personal information handy. Once you report your purchase you will be registered for the TrueCar Buyer’s Bonus. You can choose to use one benefit or use them all.

Buying a car with a credit card

I put together an article breaking down how to use a credit card to pay for a car and I highly recommend that you read that article. Basically, if you want to use a credit card to purchase a vehicle you are probably going to have to contact multiple dealerships and try to negotiate something.

Many dealerships will not be happy if you want to use your credit card and will likely limit you to a certain amount such as $5,000 or even lower than that.

However by being a tactful negotiator sometimes you can get them to accept more by splitting up your payment into smaller payments or even making an agreement to split the transaction fee. So check out that article if you want more tips about this.

Final word

The Amex Auto Purchasing Program Seems like a pretty cool program. You can easily locate dealerships that will be okay with you putting at least a partial amount of your down payment on a credit card and you can find the data on the prices that others have paid for the same type of vehicles and you can also get some cool savings after you purchase your vehicle on deductibles and repairs.

The key thing to look out for here is that the prices on the Amex Auto Purchasing Program might not be the lowest available to you. So it is a good idea to check the dealerships websites to see how much cheaper you might be able to find your vehicle price.

Capital One Amazon Offers & Discounts Guide [2021]

Amazon is such a behemoth that it is no surprise you can find different ways to utilize your credit card rewards with them. If you are a Capital One card holder, you will also have different opportunities to use your rewards on Amazon purchases.

But just because you can do something does not mean that you should doo it, especially when it comes to miles and points.

In this article, I’ll tell you everything you need to know about utilizing Capital One rewards with Amazon.

What are Capital One rewards at Amazon?

Capital One rewards at Amazon allows you to use your Capital One miles or cash back for Amazon purchases and at times take advantage of special discounts that can save you a good amount of cash.

Keep reading below for more details.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Redeeming Capital One points at Amazon

If you want to use your Capital One points at Amazon the first step you need to take is to link your Capital One card with Amazon Shop with Points.

It’s very easy to do and all you need to do is add the name on the card, the card number, and the expiration date.

You can link eligible Capital One cards which include:

  • Quicksilver
  • QuicksilverOne
  • Venture
  • VentureOne
  • Savor
  • SavorOne
  • Journey
  • Spark Cash
  • Spark Cash Select
  • Spark Miles
  • Spark Miles Select
  • Spark Classic

To use your miles, simply proceed to checkout and under the payment method select Capital One rewards. You will then enter the amount of rewards that you want to apply to your purchase.

Keep in mind that you do not have to cover the entire cost of your purchase — you can only cover a portion if you want.

If you want to change the settings for your Shop with Points credit cards you can do that by going here.

On that page, you can also choose whether or not you would like to apply your points to purchases automatically.

Personally, I would choose to apply the default option to “off.” That way you can avoid accidentally using rewards.

You can also unenroll your card to Shop with Points if you would like.

Many times when you add your eligible payment method, Amazon will automatically enroll you with Shop with Points so you might need to unenroll if you don’t want to be tempted or accidentally use your points.

Capital one Amazon rewards settings
I recommend setting the default option to off.

Capital One miles valuation on Amazon

If you choose to redeem your Capital One miles at Amazon, you will receive .8 cents in value for each mile. This means that it will require 125 miles for $1 of redemption value on Amazon.

If you were to utilize travel partners and transfer your miles over to those partners, you would have the potential to earn a lot more value for your miles.

It would not be unheard of for you to get double the value or even more with the right type of redemption. Read more about travel partner redemptions here.

Also, if you use your miles for travel you would be getting at least one cent per point to cover your travel expenses.

So if you are trying to maximize the value of your miles using them on Amazon is not the best route.

With that said, .8 cents is not the worst redemption value out there and at the end of the day you will be getting items for free so I am not totally against using Capital One miles on Amazon.

Just make sure you are aware of the alternatives.

Capital One cash back valuation on Amazon

Capital One cash back cards redeem at a one-to-one ratio so one dollar in cash back rewards is worth one dollar in Amazon redemption value.

This is not a bad ratio but a lot of people who want to maximize points don’t like to redeem their cash back points at Amazon.

The reason is that they lose out on points when they do so.

If you were to put the Amazon purchase on your Capital One card, you would earn cashback on that purchase so by redeeming points for the purchase you lose out on that opportunity.

But still, if you if your goal is to just avoid spending extra money then of course it makes sense to use your points for your Amazon purchases.

Restrictions

You can use your Capital One points to cover a lot of different purchases but there are some restrictions. You will not be able to use your points for the following types of purchases:

  • Amazon Kindle downloads (except Kindle Unlimited subscriptions)
  • Digital music
  • Digital Downloads (e.g., Apple Care)
  • Prime Video titles
  • Amazon Appstore Apps
  • Subscribe & Save items
  • Items ordered through Buy Now or 1-Click
  • Cell phones with service
  • Amazon Fresh
  • Prime Pantry
  • Whole Foods Market
  • Prime memberships (Hilton Honors & Capital One)
  • Textbook rentals

Capital One Shop with Points on Amazon not working?

Some people run into errors when trying to use Capital One rewards to shop on Amazon.

In some cases, it’s possible that your Capital One credit card was not properly enrolled in Shop with Points. So you first want to make sure that your card is showing up.

To check if your card is properly enrolled simply follow the steps:

  • Click on “Accounts & Lists” in the top right.
  • Go to “Your Account” and then “Shop with Points” under “Shopping programs and rentals”
  • You should see your card listed under “Your Enrolled Rewards Accounts”

You want to see a screen like below to verify that you are enrolled.

Sometimes you will see an error message with an exclamation triangle which means that you need to contact your bank.

Amazon will sometimes provide the phone number for you to use to resolve the situation.

Sometimes the solution is as easy as selecting a default option but other times there may be an issue with your account.

If you are still having issues then simply call the number on the back of your credit card and they should be able to help you.

A common error screen when using rewards to shop on Amazon.

Capital One Amazon promotions

One of the best opportunities for using your Capital One points at Amazon comes around when special promotions allow you to use your points to receive a heavy discount.

For example, you might be able to receive $10 off when you make a $40 or higher purchase or you might even get $20 off when you make a purchase of $80 or more.

These are typically targeted offers and you can check if you are eligible by checking this link. Be sure to select the activate button to enroll.

If you are not targeted you will probably receive a message like the following:

Thank you for your interest. Unfortunately, you are not eligible for this invitation-only offer available for select first-time Capital One Shop with Points customers.

The big thing to remember with these offers is that they usually only apply to products that are sold and shipped by Amazon.

Tip: If you just added your card to Shop with Points, sometimes it can take up to 24 hours for Amazon to update so be sure to check your eligibility after waiting 24 hours.

The most attractive aspect of these promotions is that sometimes you can only use one Capital One mile to trigger the discount.

So essentially one Capital One mile could save you $10 or $20 which is pretty incredible.

In some cases, you might even be able to use the discount when purchasing gift cards through Amazon which effectively gives you a hefty discount on those gift cards.

These promotions typically go out for a specific amount of time but often you will find that that timeframe will be extended, sometimes multiple times.

If you are not able to pull up a promotion like this, sometimes you might need to remove your Capital One credit card as a payment option and then try adding it back and you might see the offer show up.

Promotions like these are a great reason to always carry at least a few miles in your Capital One account.

Amazon gift cards

You can also redeem your Capital One miles for Amazon gift cards at the same rate of .8 cents per mile.

I would prefer to just redeem the miles will Shop with Points because you might be able to trigger a special promotions that way. It’s also worth mentioning that you can redeem your rewards for other gift cards out of one cent per mile ratio.

Amazon Capital One FAQs

Does Amazon accept Capital One credit cards?

Yes, not only can you use your Capital One credit card to make purchases but you can also redeem your points for all or a portion of your Amazon purchases.

What Capital One credit cards can you link with Amazon?

Quicksilver
QuicksilverOne
Venture
VentureOne
Savor
SavorOne
Journey
Spark Cash
Spark Cash Select
Spark Miles
Spark Miles Select
Spark Classic

Is it worth using Capital One rewards on Amazon?

If you do not have any intention to use your miles for travel then using them on Amazon can make sense but you will not be receiving optimal value compared to travel redemptions.

What other programs allow you to Shop with Points on Amazon?

– Discover
– Chase Ultimate Rewards
– American Express Membership Rewards
– Citi ThankYou Points
– Hilton Honors

How much are Capital One miles worth on Amazon?

Your miles will be worth .8 cents per mile.

Final word

Using your Capital One miles for Amazon might not be the way to get optimal value but it’s not a horrible redemption.

First, if you can take advantage of one of the special Capital One Amazon offers where you receive $20 or $10 off, it’s a phenomenal use of your miles when you just use 1 mile to trigger the discount.

Second, if you really don’t have use for your miles for travel redemptions, then using them for Amazon can make sense.

Amex Travel: Everything You Need to Know [2021]

Offers contained within this article maybe expired.

American Express has a very robust travel portal. Not only can you book different types of travel, but you can also take advantage of a lot of additional perks and benefits depending on the type of cards you have.

But you need to know the ins and outs of how everything works in order to squeeze out all the value you can.

In this article, I’ll break down everything you need to know about Amex Travel.

I’ll start by explaining the bonus points you can earn and how to use your points to book travel. I’ll then cover some of the special perks you can get through the program like 5X earnings.

And I’ll show you the results from my research I did to see if Amex Travel is cheaper or more expensive than booking directly (the results are a little surprising).

Finally, I’ll show you how to efficiently use Amex Travel to book your travels.

What is Amex Travel?

Amex Travel is an online travel portal that allows you to book various forms of travel including:

  • Flights
  • Hotels
  • Rental cars
  • Cruises
  • Vacation Packages

Amex Travel overview

Bonus earnings

Membership Rewards-earning cards will earn one extra Membership Rewards point for every dollar spent on certain purchases like:

  • Flights
  • Pre-paid hotels
  • Vacation packages (flight + hotel packages)
  • Cruise reservations

Eligible travel purchases do NOT include car reservations, non-prepaid hotels, ticketing service or other fees

These Membership Rewards-earning cards that earn an extra point include favorites like the:

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Platinum Cards

Platinum and Business Platinum Cardmembers are only eligible for 1 additional point on cruise reservations. However, they earn 5X on prepaid hotels and airfare.

If you value Membership Rewards at 1.75 cents per point then it’s like earning 8.75% back on airline purchases!

The Platinum Card earns some pretty impressive rates across the board when it comes to Amex Travel.

Take a look at all of the 5X categories:

Amex Travel Category or ProgramEarning Rate
Airfare5X
Prepaid hotels5X
Find Hotels and Resorts (pre-paid)5X
The Hotel Collection (pre-paid)5X
The International Airline program5X
Platinum Card earning rates for Amex Travel.

Tip: The Platinum Card also comes with some pretty stout benefits including the best airport lounge access offered by any credit card.

Amex Green Card

The Amex Green Card earns a very respectable 3X on a wide range of travel purchases which include amextravel.com. Therefore, you can earn 3X on airfare, hotel bookings, cruises, etc.

Lowest price guarantee

When it comes to booking hotels, you can get the lowest price guarantee with Amex Travel.

Like other similar guarantees, the terms are very strict about when this can be honored.

You will need to find the exact same room in the same hotel for the exact same dates and number of children and adults.

The price will need to be found online before taxes and fees and you must submit your claim prior to your stay before the date of check-in. This perk is only valid for American Express cardmembers.

Certain types of rates not available to the public will be excluded including:

  • Rates or discounts that are not available to the general public (e.g., corporate, AAA, government, etc.)
  • Hotel rooms booked with loyalty points, coupon promotions, etc.
  • Rooms booked on websites that do not allow you to see the name of the hotel until your reservation is complete
  • Promotional packages, deals, all-inclusive packages
  • Bundles that include additional amenities such as parking, meals, etc.
  • Rates booked through the Fine Hotels & Resorts and The Hotel Collection programs.

Elite benefits

If you book through Amex Travel, you will likely lose out on the ability to earn elite credits and also you might even lose out on receiving elite benefits.

For example, if you are a Hilton Honors Gold member, typically you would earn 18 points per dollar spent at a Hilton property.

In addition, you would be eligible for benefits like a free breakfast, upgrades, and late check out.

But if you use Amex Travel to book a stay at a Hilton property, you would not earn 18 points per dollar and you may not receive things like a free breakfast.

You won’t always miss out on receiving your elite perks as I recently received an upgrade as a Hyatt Discoverist on a stay I booked through Amex Travel.

However, it will be on you to contact the property and add your loyalty number to your accounts. In addition, you likely will need to be proactive about requesting benefits like upgrades.

Tip: You can still get elite benefits with the Fine Hotels & Resorts and The Hotel Collection programs.

Access to Amex Travel

Initially I thought that only American Express cardmembers could use Amex Travel to book travel. But I inquired with an American Express agent and they informed me that anybody can use the travel portal.

Photo of pancakes at a Hilton hotel
You might miss out on perks like free breakfast when using Amex Travel.

Is Amex Travel cheaper?

The most important question you are probably wondering is whether or not it is cheaper to book your travel through Amex Travel or directly through the airlines, hotels, etc.

To answer this question, I did a handful of sample bookings for flights, hotels, rental cars, and cruises.

Below are the results.

Airlines

For flights, all five sample bookings were a little bit cheaper when I chose to book directly. In many cases the price was about $7 cheaper which isn’t a huge gap but is still cheaper nonetheless.

Here are the prices that I compared:

RouteAmex TravelDirect Booking
United SEA to IAD$200.09$198.10
AA JFK to LHR$859.99$853.00
AA MIA to CHI$138.09$131.10
Delta LAX to HNL$256.09$249.10
Delta IAH to ATL$290.09$283.10
Airline prices compared.

It’s worth noting that American Express imposes small fees for certain airline bookings.

For example, they will charge a non-refundable fee of $6.99 per domestic ticket and $10.99 per international ticket for each ticket for an airline that pays them a standard fee or commission.

So the price differences above likely were affected by these fees.

Tip: Logged in Platinum cardmembers and Centurion members will not be charged this fee.

Hotels

For hotels, the opposite was true.

Amex Travel was cheaper on more occasions although in some cases the price was virtually identical.

Also, you can earn 5X Membership Rewards on pre-paid hotel stays with your Platinum Card. That’s a lot of points and in some cases it could make up for the lost value of elite benefits.

HotelAmex TravelDirect Booking
Hilton Auckland$310.71$311.01
Hilton San Diego Bayfront$365.22$405.60
Las Vegas Marriott$361.68$361.68
JW Marriott Chicago$397.98$397.99
Park Hyatt$969.33$972.54
Hotel prices compared.

Rental cars

The rental car prices were almost completely identical.

Rental carsAmex TravelDirect Booking
Avis – JFK $178.22$178.22
Avis – AKL$129.67$129.85
National – LAX$109.76$109.76
National – MCO$84.78$84.78
Hertz – ORD$119.99$119.99
Rental car prices compared.

Cruises

The cruises were generally cheaper with direct booking. This was partially the result of flash sales that were happening with some of the cruise lines. These flash sales were not showing up on Amex Travel.

CruisesAmex TravelDirect Booking
Royal Caribbean – Caribbean$1,538.30$1,438.30
Norwegian – Hawaii$3,623.42$3,237.62
Royal Caribbean – Asia$2,182.86$2,082.86
Norwegian – Bahamas$1,986.68$1,745.64
Princess – Panama Canal$2,578.32$2,578.32
Cruise prices compared.

Overall, my data points showed that booking flights is slightly more expensive through Amex Travel (likely due to Amex fees) but that booking hotels and rental cars can be virtually identical.

Cruises may also be identical in pricing but you may not have access to flash deals which can cause significant discrepancies in price.

Tip: The Platinum Card receives special perks on some cruise packages such as credits.

Using Membership Rewards to book Amex Travel

One of the cool things about Amex Travel is that you can use your Membership Rewards points to book travel.

Your redemptions must involve a minimum of 5,000 Membership Rewards.

Something important to know is that the value of your points will differ based on the type of travel that you book.

Here is a breakdown of the value your points get for different types of travel.

Type of travelValue in cents per point
Flights (includes upgrades)1.0
Prepaid Hotels.7
Vacations.7
FHR1.0
Cruises.7
Rental carsN/A
Expedia.7
NYC Taxi1.0
Values shown for different types of Amex Travel and other travel redemptions

Tip: You can also use the points calculator to check out the value of your Membership Rewards.

As you can see, flights and hotels through the FHR get the most value for your points. Other types of redemptions like hotels are not great.

When you consider that a card like the Chase Sapphire Preferred can get you 1.25 cents per point in the Chase Travel Portal on all different types of travel, all of a sudden redeeming Membership Rewards for .7 cents per point seems very poor.

If you have a small business card like the Business Platinum Card or the Business Gold Card, you can actually get more value for your points.

The Business Gold Card has a 25% bonus which comes out to 1.33 cents per point. Meanwhile, the Business Platinum Card  has a 35% bonus which comes out to 1.54 cents per point.

You can only get the bonus/rebate for either a First or Business class flight on any airline or for flights with your selected qualifying airline.

Here some of the airlines you might be able to choose:

  • Alaska Airlines
  • American Airlines
  • Delta Airlines
  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue Airways
  • Spirit Airlines
  • Southwest Airlines
  • United Airlines

Note: There is a limitation on your rebate as you will only be able to receive up to 250,000 bonus points per calendar year for the Business Gold Card and up to 500,000 points per calendar year for the Business Platinum Card.

Alternative to using points for Amex Travel

Instead of using your points on travel, you could redeem them in other forms such as cash back, gift cards, or on Amazon.

The values for cashback and Amazon are not very good as you can see below but sometimes gift cards can be a decent option when you can cash out at one cent per point.

Redemption typeValue in cents/point
Cashback.6
Gift cards1
Amazon.7
BestBuy.7
Grubhub.7
Ticketmaster.5
Shopping.5
Alternative redemptions to travel.

Should you use your Membership Rewards?

Even though your Membership Rewards can be transferred out to valuable travel partners for optimal value, sometimes it could make sense to use a travel portal.

One of the biggest reasons is that using something like Amex Travel is simpler.

You don’t have to deal with black out dates, award inventory, or figuring out how to do transfers and booking with partners.

However, if you do decide to transfer your points to American Express travel partners, here is a breakdown of the partners you can transfer to:

Travel PartnerRatio (MR to airline)Transfer wait time
Aer Lingus1:1Instant
AeroMexico1:1.624 Hours
Air Canada1:1Instant
Alitalia1:1Instant
ANA1:148 Hours
Avianca1:1Instant
British Airways1:1Instant
Cathay Pacific1:148 Hours
Delta1:1Instant
Emirates1:1Instant
Etihad1:1Instant
Flying Blue1:1Instant
Hawaiian Airlines1:1Instant
Iberia1:124 to 72 hours
JetBlue250:200Instant
Qantas1:1Instant
Singapore Airlines1:124 to 72 hours
Virgin Atlantic1:1Instant
Choice 1:1Instant
Hilton1:2Instant
Marriott1:1Instant
American Express travel partners.
Picture of first class seats on United plane
Get optimal value for your Membership Rewards points when booking flights.

There are three programs that are related to Amex Travel but are also different and stand out in different ways.

These include the:

  • The Hotel Collection
  • Fine Hotels and Resorts
  • International Airline Program

These programs are mostly focused on premium and luxury travel so if you are in those markets, you will get the most value out of these related programs.

The Hotel Collection

The Hotel Collection is a special hotel portal that allows you to receive up to $100 in property credits and upgrades when you book hotels of two nights or longer.

The Hotel Collection is only available to the following U.S. American Express Card Members:

  • Consumer and Business Gold Card Members
  • Business Gold Rewards Card Members
  • Consumer and Business Platinum Card Members
  • Consumer and Business Centurion Members

The hotel credit will equal the amount spent on the hotel at checkout up to $100 and it will be credited at check out based on qualifying charges made excluding charges for taxes, gratuities, fees and cost of room.

You must make your payment in full with an American Express Card in the Eligible Card Member’s name.

Also, the cardholder must travel on the itinerary booked. There is a limit of one credit per room per stay and a three room limit per card member per stay.

Room upgrade is based on availability and eligibility at check-in.

For bookings made on amextravel.com, you will earn 2X Membership Rewards on each The Hotel Collection booking and you can also use Pay with Points.

Fine Hotels and Resorts

Amex Fine Hotels and Resorts, also known as “FHR,” is a luxury hotel program that offers special elite-like perks at over 975 world-class properties all around the world. 

There are also special hotels within this program known as Preferred Hotels & Resorts which “represents one of the world’s finest and most diverse portfolios of independent hotels.”

These hotel networks are only available to cardmembers of Platinum Cards and Centurion Cards.

Amex Fine Hotels and Resorts offers an entire suite of benefits which include: 

  • Noon check-in, when available
  • Guaranteed 4pm late check-out
  • Room upgrade upon arrival, when available
  • Daily breakfast for two people
  • Complimentary Wi-Fi
  • Special amenity unique to each property

As mentioned above, you can earn 5X with the Platinum Card on prepaid bookings through FHR. Something else that stands out is that you can still receive your elite benefits and elite credits when going through this portal.

International Airline Program

The Amex International Airline Program (IAP) is a special program available to Platinum cardholders and Centurion cardholders that allows you to receive special discounts on up to eight first class, business class, and premium economy fares when booking through Amex.

The discounts can range from saving a couple of hundred bucks to saving a few thousand bucks so the International Airline Program can be arguably the most valuable benefit offered by any American Express card.

Not every airline participates in the program. Currently, here is the list of airlines that participate:

  • AeroMexico
  • Air China
  • Air France
  • Air New Zealand
  • Alitalia
  • ANA
  • Asiana Airlines
  • Austrian
  • British Airways
  • Brussels Airlines
  • Cathay Pacific
  • China Airlines
  • Delta
  • Emirates
  • Etihad Airways
  • Iberia
  • Japan Airlines
  • KLM
  • LATAM
  • Lufthansa
  • Qantas
  • Qatar
  • Singapore
  • South African Airways
  • Swiss
  • Virgin Atlantic

You’ll notice that notably absent are domestic carriers United and American.

Photo of a business class seat on Singapore Airlines
Save big on business class flights with the International Airline Program.

How to use Amex Travel

  • Head to the Amex Travel website
  • Choose the type of travel you want to book and input your destinations, travel dates, etc.
  • Utilize filters to find the type of booking best suited for you
  • Complete your booking!

The main menu

If you hover over “Book” you will then be able to select the type of travel you want to book.

(The default menu already displays flights, hotels, and vacations so you can easily start the booking process for those.)

Flights

For flights, simply enter in your departure and arrival locations along with your dates and other details such as cabin preference.

You’ll then see results populated and you can use filters to narrow down the results. You can sort by things like price, duration, and departure time. You can also filter the results down by airline.

The search results allow you to quickly view details like baggage fees and in some cases you’ll also be able to view the seat map which is very convenient.

Hotels

The hotel search results also provide you with robust filters and sort features to make your searching efficient.

I like to use the map feature and to filter by stars to narrow down my potential properties.

You can also filter by price and if you are interested in the luxury hotel collection or find hotels and resorts you can filter by those programs.

If you do come across a hotel that is part of the Fine Hotels and Resorts, you will see that clearly indicated on the search result.

The same applies for The Hotel Collection.

Make sure that you pay attention to the cancellation policy for that specific hotel.

As you view the search results, you can see if there is flexible cancellation which would allow you to cancel up to a certain window prior to booking.

If there is a flexible cancellation policy, you will be able to view the exact terms to see the deadline to get a refund. When you click on “cancellation policy” you will see a message like this:

There is no charge for cancellations made before 18:00 (property local time) on March 16, 2021. Cancellations or changes made after 18:00 (property local time) on March 16, 2021 or no-shows are subject to a property fee equal to 100% of the total amount paid for the reservation.

Other hotels will be completely nonrefundable.

Again, you can always click on a hotel and then click on view cancellation policy to get the specific terms for that booking.

Screenshot showing cancellation policy for hotels on Amex travel
Cancellation policies for hotels can easily be viewed before booking.

Rental cars

For rental cars, you have a lot of filters that you could use for things like the size of the rental car, the rental car company, price, etc. You will be able to easily view if the booking has free cancellation or not.

My profile

If you have an account, you should take a short amount of time to fill in your profile.

You will be able to input your personal details like your name and birthdate to make a booking quicker in the future. You can also input your known traveler number and your redress number if you have one.

In addition to your personal information, you can also easily add loyalty numbers to your frequent flyer program and hotel loyalty programs.

Next you can select things like your travel preferences. So for example, for flights you can select if you want a window or aisle seat. Or perhaps you have a meal preference such as gluten free meals.

And then if there are any additional preferences like unaccompanied minor status, vision impairments, etc., you can select those.

Finally, you can also add companions.

My trips

Amex Travel also has a section where you can view all of your booked trips.

This is really convenient when you need to change or cancel the booking since you have a quick way to find them.

You can also view past trips.

Amex Travel FAQ

Is Amex Travel cheaper than booking directly?

Based on my 20 data points, Amex Travel is slightly more expensive for airfare (likely due to Amex fees) but prices are virtually identical for other types of travel such as hotels and car rentals. In some cases, Amex Travel had cheaper prices.

What is the best card to use for Amex Travel?

The Platinum Card is the best Amex card to use because you can take advantage of special 5X earnings on flights and hotels and also receive solid travel protections.

Do I get hotel elite benefits when booking hotels through Amex Travel?

You may not receive your elite status benefits when booking hotels through Amex Travel because it is considered an OTA.

However, you can still contact the hotel ahead of time and ask them to add your loyalty number to your reservation.

After they do that, you may be able to receive some elite benefits depending on the brand and property.

You can still get elite benefits with the Fine Hotels & Resorts and The Hotel Collection programs.

Can I book with points on Amex Travel?

Yes, you can book travel with points on Amex Travel. However, you will have to use a minimum of 5,000 Membership Rewards.

Do I earn bonus points when booking on Amex Travel?

Yes, Membership Rewards earning cards will earn one additional point when booking on Amex Travel for certain types of purchases. However, some cards like the Platinum Card and the Green Card will earn additional points.

Can I book travel through Amex Travel over the phone?

Yes, but you may be subject to a non-refundable telephone air transaction service fee of $39 per ticket for airline tickets or air + hotel packages.

Also, reservations within 6 hours of departure cannot be made by telephone.

Can I change my airline booking?

Yes, you can change your airline booking but you may be subject to fees from the airline. In addition, American Express may charge you a $39 change fee per ticket reissue.

What is the Amex Travel customer service phone number?

For bookings made online you can call Amextravel.com at: 1-800-297-2977.

If you made your booking by phone with a Platinum Travel Counselor, you can call 1-800-443-7672.

Does Amex Travel come with the travel insurance?

No, you will need to use a card that has travel insurance like the Platinum Card or purchase a travel insurance package to get insurance for your bookings.

What types of travel can you book through Amex Travel?

Flights
Hotels
Rental cars
Cruises
Vacation Packages

Amex Annual Airline Credit Guide [2021]

Offers contained within this article maybe expired.

Several American Express cards offer annual airline credits that can help provide you with some savings on various purchases related to your air travel. For the most part, using these credits is pretty straightforward but there are a number of restrictions that you need to know about so that you can maximize the credits. In this article, I’ll tell you everything you need to know about the Amex airline credits.

What is the annual Amex airline credit?

The annual Amex airline credit is a credit offered by several American Express cards that can be used on various airline incidental purchases, such as baggage fees. The credit amount ranges from $100-$250 and is issued on a calendar year basis meaning that it expires at the end of the year each year.

These credits help to offset the high annual fees of American Express cards, helping to make them some of the most valuable travel credit cards out there.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

What cards offer the annual Amex airline credit?

The following Amex cards offer an annual airline credit:

By the way, if you want an easy way to keep track of all of your credits attached to your different credit cards, be sure to check out the free app WalletFlo, which will provide you with a breakdown of all of your credits as well as automate your eligibility for different credit cards.

How do you use the annual Amex airline credit?

After you select your airline, you simply make a purchase on your Amex card and the credit will be automatically applied against your statement balance. You should be able to view it on your online statement a few days after your purchase although sometimes it can take longer to process.

How do I select my airline for the Amex airline credit?

Before you make any purchase, you need to select the airline that you’ll be making the purchase with. When you receive your card you can go online at www.americanexpress.com/airlinechoice or call the number on the back of your card to select an eligible airline for the credit.

If you made your purchase before selecting your airline you might still be able to get the airline credit to work. I once made a purchase several hours before selecting my airline and the credit still applied. I suspect that this could be highly YMMV and that you need to select your airline ASAP after making your purchase for this to work.

What airlines qualify for the Amex airline credit?

Qualifying airlines include:

  • Alaska Airlines
  • American Airlines
  • Delta Airlines
  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue Airways
  • Spirit Airlines
  • Southwest Airlines
  • United Airlines

As you can see, this is a benefit designed to be used on domestic airlines. So if you do primarily international travel, these credits may not be as useful to you since you’re limited to specific airlines.

You’ll need to stick to domestic airlines when using these credits.

Can authorized users select the qualifying airlines?

Authorized users will not be able to select the qualifying airlines unless they are an authorized account manager. The primary card member will need to authorize that individual in order to make them an authorized account manager which you can do by calling the number on the back of your card and inquiring with an agent.

What is a qualifying purchase for the Amex travel credit?

Purchases that qualify for the credit are airline incidentals, such as baggage fees and in-flight entertainment.

American Express officially states that the following qualify for the airline credit:

  • Checked baggage fees (including overweight/oversize)
  • Itinerary change fees
  • Phone reservation fees
  • Pet flight fees
  • Seat assignment fees
  • In-flight amenity fees (beverages, food, pillows/blankets, headphones)
  • In-flight entertainment fees (excluding wireless internet because it’s not charged by the airline)
  • Airport lounge day passes & annual memberships

If you’re wondering about some of the prices for these, here are some potential prices you might encounter:

Baggage fees are typically $30 for your first checked bag for a one-way flight with most domestic carriers like United.

For United domestic flights, you will likely be paying about $200 for the flight change and for some United international flights you could be paying up to $400.

The price for in-flight amenities varies but you can expect to pay something like $7 for a beer.

Day passes to a lounge may cost around $60 (I once used my Gold Card for a day pass to an Admirals Club for $59).

For pet fees, American Airlines will charge charge a $125 fee per kennel for routes within and between the United States and Canada, Mexico, Central and South America and the Caribbean.

What does NOT count as qualifying purchase for the Amex travel credit?

The following items are explicitly excluded:

  • Airline tickets
  • Mileage points purchases or mileage points transfer fees
  • Gift cards
  • Upgrades
  • Duty–free purchases
  • Award tickets

I personally think Amex is way too strict on what they allow to qualify for a purchase, especially since they already restrict you to choose a single qualifying airline.

However, some people still have luck purchasing excluded items like gift cards, upgrades, and even cheap airline tickets. The trick is usually just to keep your purchase at a lower amount, such as under $100.

(Gift cards are virtually impossible to get to work now.)

It’s best to do some research on FlyerTalk to see what the most current qualifying purchases are for a respective airline since it can differ dramatically between airlines.

FlyerTalk has individual threads for different airlines with specific breakdowns of the different types of purchases that were successful and it usually provides a date that they were last successful. For example, here is the latest thread on United Airlines purchases.

What works and what doesn’t changes a lot so always stay up to date on the relevant thread before going forward with a purchase that might be excluded by the terms and conditions.

Seat assignments are reimbursable with the Amex airline credit.

How long does it take for the Amex travel credit to apply?

Amex states that you’ll receive a statement credit covering your incidental fees typically 2–4 weeks after you pay for them. In reality these credits usually only take a couple of days to hit my account. (In some cases, it’s almost like a back-log occurs and it takes longer.) 

If you do not see a credit for a qualifying incidental purchase on your eligible card after 4 weeks, simply call the number on the back of your card.

Note that if you’ve used your credit for a purchase that is excluded by the terms and conditions, it’s obviously not the wisest move to call in and inquire about that purchase.

Can authorized users use the Amex travel credit?

Yes, eligible purchases made by both the basic and any authorized users will trigger the credit.

However, authorized users are not issued an individual credit for their cards. Think of the credit as a pool of funds that any primary cardmember or authorized user can use.

So if you have a $100 credit and an authorized user uses $80 of that, there will only be $20 left over for the primary card number and the authorized user.

Can I change my airline for the Amex travel credit?

Cardmembers who have not chosen one qualifying airline will be able to do so at any time.

So if this is your first time to have a card with an airline credit, you shouldn’t have an issue being able to select your airline at any time during the year.

Card Members who have already selected one qualifying airline will be able to change their choice one time each year in January at www.americanexpress.com/airlinechoice or by calling the number on the back of their card.

So if you already had a Platinum Card or Gold Card then you would only have the month of January of the next year to change your airline. If you do not select a new airline or change it then your airline selection will remain with the current airline.

While the terms state you only have the month of January to make a change to your airline, Amex will often allow you to change your airline in the middle of the year. Some people have even had success changing their airline after they’ve used a portion of their airline credit!

To change your airline, you could use the chat feature on their website or you could just call into the number on the back of your card.

I would prefer to call in on the number and just try to “charm” an agent into making the change. It’s possible that they might tell you that they can’t change your airline but if that occurs, simply call back and try again with another representative. Eventually you should have success.

I wouldn’t rely on this method more than once, though, as they might not be as understanding if you’re calling in to change your airline every other month of the year.

When do the Amex travel credits expire?

The credits expire at the end of each calendar year on December 31. If your purchase does not post until the next year, the credit will apply in that following year. Therefore, to be safe be sure to make your purchases a few days before the end of the year.

Don’t forget, if you want an easy way to keep track of all of your credits attached to your different credit cards, be sure to check out the free app WalletFlo!

Final word

Overall, the Amex airline credits are a bit more strict than I would like but if you know how to be a little bit crafty when using them, they can be a little more valuable.

United Credit Card Free Checked Bag Guide [2021]

One of the easiest ways to offset the annual fee of an airline credit card is to utilize the free checked baggage perk. It’s a relatively straightforward perk to use on most cards but every card has its own restrictions and limitations for this type of perk.

In this article, I’ll tell you everything you need to know about the United credit card free checked baggage benefit.

What is the United credit card free checked baggage benefit?

If you hold an eligible United Airlines credit card, you can get the first (or first and second) checked bag fee waived on eligible United flights for you and one other passenger.

Tip: Check out the free app WalletFlo so that you can optimize your credit card spend by seeing the best card to use! You can also track credits, annual fees, and get notifications when you’re eligible for the best cards!

Eligible United credit cards

The following United credit cards are eligible for the free baggage waiver on United flights:

  • United Explorer Card (one free bag)
  • United Club Card (two free bags)
  • United Club Infinite Card (two free bags)
  • United Presidential Plus Card (two free bags)

In addition, the following business credit cards are eligible for the free baggage waiver on United flights:

  • United Business Card (one free bag)
  • United Explorer Business (one free bag)
  • United Club Business Card (two free bags)

You do NOT get a free checked bag with the following:

  • United Gateway Card
  • United TravelBank (discontinued)

Reservation restrictions

In order to receive the free checked bag benefit you must always use your eligible United card to make the purchase and you must also include your MileagePlus number on your reservation.

Note: Some Explorer cardmembers have had success getting this benefit by using their card to purchase Economy Plus access but there is no guarantee this still works.

The benefit will only apply on United and United Express-operated flights. Codeshare partner-operated flights are not eligible for the benefit.

So let’s say you used the United website to book a flight on EVA. If that flight is operated by EVA then you would not get the free baggage benefit. You can easily tell who is operating the flight when searching for your flight on the United website.

Also, keep in mind that you will still be responsible for oversize, overweight, and extra baggage fees since this benefit does not cover those. This is really important to note because those fees can be substantial.

For example, an overweight bag could cost you $200 per bag and an oversize bag could cost you $200 per bag as well. If you need to find out about the United size and weight restrictions click here.

This benefit does not affect the pricing in instances where you are purchasing an additional bag. For example, if you receive your first free checked bag for free but still need to purchase a second checked bag, the standard second checked bag price applies.

The same thing applies if you receive two free checked bags and are purchasing an additional third bag.

Elite benefits

If you already have elite status with United Airlines such as Silver status, you might be wondering if you can receive an additional free checked bag. That’s because you are already granted a free checked bag with United elite status.

Unfortunately, you will not receive an additional free checked bag in addition to the free checked bags awarded through your elite status.

The same logic applies if you are flying in a premium cabin such as first class. For example, If you are given two free checked bags based on your ticket class, you are not given additional free baggage for using a United credit card.

United credit card free checked bag FAQ

What personal United credit cards offer a free checked bag?

– United Explorer Card
– United Club Infinite Card

How many passengers can get a free checked bag with a United credit card?

The primary card member and one guest are eligible to receive the free checked baggage benefit.

How much does it normally cost to check a bag with United?

The checked baggage fee for United Airlines is typically $30 but it could depend on your route. You can find out more about the baggage fees here.

Do I have to use my United card to pay for my flight to get the free checked bag?

Yes, you need to use your United card for your purchase and add your United MileagePlus number to your itinerary to be eligible for the free checked baggage.

Do authorized users get a free checked bag?

Authorized users only receive the free checked bag if they are traveling on the same reservation as the primary cardmember and they will be counted as one traveling companion for purposes of this benefit.

Can you get the free checked bag on international flights?

Yes, the United credit card does not restrict the free baggage benefit to domestic flights.

How do I use the United credit card free checked bag benefit?

As long as your United MileagePlus number is linked to your reservation on an eligible flight and you use your qualifying United credit card, the waiver will be automatically applied at check in.

When will I receive my free checked bag benefit?

You will receive your free checked bag benefit usually about two weeks after account opening.

What if I cancel my United card?

You will only be eligible for the free checked bag benefit if you are an active cardmember at the time of check-in.

How many free bags do I get?

You will get one free bag with the United Explorer Card and two free bags with the
United Club Infinite Card.

Can I get a free checked bag on award flights?

Yes, as long as you pay the fees on your qualifying United Airlines credit card.

Do United basic economy passengers get the free checked bag benefit?

Basic economy passengers can still receive the free checked bag benefit. In addition, Chase cardholders are also exempt from the carry-on restriction and boarding group policy.

Final word

The free checked baggage benefit on United credit cards is one of the most valuable credit card benefits if you frequently fly with United. In some cases, it can completely offset the annual fee.

It is not quite as generous as the Delta free checked bag benefit but it is still a great benefit since it applies to international flights and allows up to two free bags in some cases.

Delta Credit Card Free Checked Bag Guide [2021]

Offers contained within this article maybe expired.

When it comes to airline credit card perks, the free checked bag perk is a common benefit to find and can be one of the most valuable, especially if used on a consistent basis. But these free baggage benefits come with some restrictions and if you are not careful, you might miss out on the free baggage waiver. In this article, I’ll tell you everything you need to know about the Delta credit cards free checked baggage benefit.

What is the Delta credit card free checked baggage benefit?

If you hold an eligible American Express Delta credit card, you can get the first checked bag fee waived on eligible Delta flights for you and up to eight other passengers.

Tip: Check out the free app WalletFlo so that you can optimize your credit card spend by seeing the best card to use! You can also track credits, annual fees, and get notifications when you’re eligible for the best cards!

Eligible Delta credit cards

The following credit cards are eligible for the free baggage waiver on Delta flights:

  • Delta SkyMiles Gold American Express Card (full review)
  • Delta SkyMiles Platinum American Express Card (full review)
  • Delta SkyMiles Reserve American Express Card (full review)

In addition, the following business credit cards are eligible for the free baggage waiver on Delta flights:

  • Delta SkyMiles Gold Business American Express Card
  • Delta SkyMiles Platinum Business American Express Card
  • Delta SkyMiles Reserve Business American Express Card

Related: How much are Delta SkyMiles worth?

Reservation restrictions

You do not have to book your reservation with your American Express Delta credit card in order to get the benefit.

Instead, the only requirement is that the reservation must include the basic card member’s SkyMiles number.

As long as that SkyMiles number is on the reservation, the fee waiver will also be available for other travelers on the same reservation. There is a maximum of nine waivers allowed per reservation.

Note: There are some reports of people getting the free checked baggage waiver for multiple passengers even when they are on different reservations but that may come down to an agent’s discretion and so I would not count on it working.

If you have a checked bag that is overweight or oversized you will have to pay for those fees. Keep in mind that you will be charged for each infraction separately.

So if you had a checked bag that was both overweight and oversized you would have to pay for an overweight fee and an oversized fee. You cannot use the free checked bag benefit to get these fees waived. The waiver only works for normal bags.

Sometimes the oversized and overweight fees can be very expensive, especially when coupled together. So be sure you are aware of the weight and size limitations which are often based on your elite status or the type of cabin you are flying in.

The free checked bag waiver is only good for the first checked bag. So if a passenger is checking an additional bag, they will have to pay for that fee themselves. The normal fee for a second bag will apply in that case.

So let’s say you were flying from Atlanta to Los Angeles and you were checking two bags. Normally, you would have to pay $70 for those two bags. But if you had an eligible Delta card the fee for the first bag would be waived.

However, for the second bag you would have to pay $40 which is the standard price for the second checked bag. There is a calculator you can use if you are ever in doubt.

Eligible flights

The first checked bag fee waiver can only be used on flight segments that originate on a Delta or Delta Connection carrier when you check-in with Delta for both a Delta marketed and Delta operated flight. 

It’s really important to note that code share flights are not eligible.

So these rules mean if you were booking a flight that was operated by Delta but marketed by a partner like Air France, you would likely not receive the free checked bag benefit. This situation could arise when booking a Delta flight on a partner website like Air France.

Also, if you were booking a flight on the Delta website that was operated by a partner like Virgin Atlantic, you would also not receive the free checked bag.

So my advice would be to book directly through the Delta website and to ensure that the flights are operated by Delta.

You can tell what airline is operating the flight when you are searching for flights on the Delta website. Simply look for the language directly below the route graphic as shown in the image below.

An example of a flight not operated by Delta.

Elite status stacking

Unofficially, Silver Medallion members may be able to stack this free checked baggage benefit with the Silver benefit. This means that if you have Silver Medallion status, you could get a total of two free checked bags. (It does not appear to also stack with Gold Medallion status or higher.)

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Delta credit card free checked bag FAQs

What personal Delta credit cards offer a free checked bag?

Delta SkyMiles Gold American Express Card
Delta SkyMiles Platinum American Express Card
Delta SkyMiles Reserve American Express Card

What business Delta credit cards offer a free checked bag?

Delta SkyMiles Gold Business American Express Card
Delta SkyMiles Platinum Business American Express Card
Delta SkyMiles Reserve Business American Express Card

How many passengers can get a free checked bag with a Delta credit card?

You can get a free checked bag for up to nine total passengers on a reservation.

How much does it normally cost to check a bag with Delta?

The checked baggage fee for Delta Airlines is typically $30 but it could depend on your route. You can find out more about the baggage fees here.

Does the Delta SkyMiles Blue American Express Card offer a free checked bag?

No, you do not get a free checked bag with the Delta SkyMiles Blue American Express Card.

Do I have to use my Delta card to pay for my flight to get the free checked bag?

No, as long as your SkyMiles number is linked to your reservation you should be eligible for the free checked baggage waiver.

Do authorized users get a free checked bag?

No, American Express states that the benefit is limited to basic card members and not additional card members.

Can you get the free checked bag on international flights?

Yes, the Delta credit card does not restrict the free baggage benefit to domestic flights.

Can I get a free checked bag on code share flights?

No, code share flights do not qualify for the free checked bag.

How do I use the Delta credit card free checked bag benefit?

As long as your Delta SkyMiles number is linked to your reservation on an eligible flight, the waiver will be automatically applied at check in.

Final word

The free checked baggage waiver can be a very lucrative benefit if you regularly fly with Delta, especially if you fly with multiple members on the reservation.

Just remember to always link your SkyMiles account to the reservation so that you trigger the free baggage waivers. And be aware of the restrictions with partner airlines and oversized bags.

Visa Infinite Cards Benefits Guide: (Hotels, Concierge & Others) [2021]

Visa Infinite cards are the top tier type of Visa cards that are issued and are a step above Visa Signature cards. These cards come with top protections and premium benefits that can save you a lot of money in different areas, especially in travel.

In this article, I am going to walk you through the different types of (USA) Visa Infinite benefits like the special luxury hotel benefits and concierge service.

And finally, I’ll show you some of the key differences between Infinite cards like the Chase Sapphire Reserve, City National Crystal Card, and the UBS Visa Infinite Card. 

Visa Infinite card options

So before jumping into the Visa Infinite benefits it is worth pointing out that not every single Visa infinite card will have the same benefits. Instead, the issuers such as Chase can modify the Visa Infinite cards to their liking. With that said, here are three Visa Infinite cards you might want to look into.

  • Chase Sapphire Reserve: $550 annual fee 
  • City National Crystal Card: $400 annual fee
  • UBS Visa Infinite Card: $495 annual fee

Note that the Ritz-Carlton Card is no longer available to new applicants.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

$100 airline discount

Update: this benefit is no longer available!

The first benefit is a $100 airline discount that can be used for for 2 to 5 passengers round-trip on domestic coach. Note that the The $100 discount is applied to the total cost of the itinerary, not per ticket.

You can choose from most major airlines and make reservations up to 11 months prior to departure.

Note: the primary cardholder must be the primary passenger on the itinerary.

  • Ritz-Carlton Card
  • City National Crystal Card
  • UBS Visa Infinite Card 

This benefit is great for weekend warriors you take short-haul economy flights frequently. Unfortunately, the Chase Sapphire Reserve does not come with this benefit. That’s a real shame because it would add tremendous value to that card, in my opinion.

Visa Infinite Luxury Hotel Collection

The Visa Infinite Luxury Hotel Collection offers you elite-like benefits at different luxury hotels all around the world. These include the following:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival, when available
  • Complimentary in-room Wi-Fi, when available
  • Complimentary continental breakfast daily
  • $25 USD food or beverage credit per stay
  • VIP Guest status
  • Late check-out upon request, when available
  • Special amenity unique to each property, such as an additional dining credit or spa credit

These perks are similar if not identical to those offered by the Visa Signature Luxury Hotel Collection.

It’s worth noting that the Chase Sapphire Reserve offers access to the Luxury Hotel & Resort Collection (LHRC) which comes with even better benefits. Also, Amex probably has the best luxury hotel network with its Fine Hotels & Resorts program.

Relais & Châteaux

You’ll get access to Relais & Châteaux, which is a “prestigious collection of independently owned and operated luxury hotels and restaurants, representing approximately 500 establishments globally.” Full review of this program here. 

At these properties, you can receive a VIP welcome which includes things like a bottle of champagne in room on arrival and also free breakfast (at some properties).

You can also get accelerated access to Club 5C status with Relais & Châteaux after staying just 2 nights at qualifying properties in a 12-month period.

 Club 5C will provide you with the following benefits:

  • Room upgrade subject to availability upon arrival
  • Personalised welcome in each one of the Relais & Châteaux properties (VIP Welcome)
  • Discovery Privilege to enjoy the cultural and gourmet treasures of each property
  • Club 5C Concierge service
  • Newsletters with details of exclusive offers tailored to wishes and preferences
  • Invitations to attend prestigious events

Update: Club 5C benefits are no longer offered. 

I recently stayed at a Relais & Châteaux property in Rome, right next to the Coliseum, and it was one of my most memorable hotel stays. Many of these hotels are boutique-type properties in beautiful buildings that give you a much better “local” feel than some chain hotels do so you definitely want to check out this program.

  • Read more about this perk here

Airline incidental statement credit

Visa Infinite cards also offer a airline incidental statement credit. You will likely have to enroll for this benefit and your statement credit might be limited to one preferred airline.

The City National Crystal Card offers a $350 airline credit which might include:

  • ticket change/cancellation fees
  • checked baggage fees
  • inflight entertainment
  • onboard food and beverage charges
  • airport lounge membership fees and day passes
  • onboard wireless charges (excluding Gogo Inflight Wi-Fi)
  • TSA Pre✓® membership application fee

The City National Crystal Card is a special card because you can add up to three authorized users for free and each of those can get their own incidental credit.

Normally, the purchases an authorized user makes with these type of credits comes out of the credit given to the primary cardmember and the credits are essentially “pooled.” But in this case each authorized user can get their own credit which is pretty incredible. 

Update: Authorized users no longer get their own incidental credit.

The UBS Visa Infinite Card also offers a $250 airline credit as well which likely covers similar expenses as listed above.

Once again, this benefit is not included with the Chase Sapphire Reserve. However, the Sapphire Reserve Does have a pretty outstanding $300 travel credit that can be applied to any type of travel purchase. So I would actually preferred the sapphire reserve credit over the generic Visa infinite credit.

Visa Infinite lounge access

All of these cards are going to provide you with Priority Pass lounge access, which is a network of over 1,000 lounges located all over the globe. The quality of these lounges can vary by quite a bit, but generally they are at least decent places to stop and relax while making your way through an airport and some actually are quite nice.

The City National Crystal Card allows you to grant up to two users with lounge access. What is more is that the City National Crystal Card reportedly offers unlimited lounge access for Priority Pass lounges, which makes it one of the best credit cards for Priority Pass lounge access.

Also, with the City National Crystal Card, you can receive a statement credit of up to $550 per account per calendar year with $50,000 yearly spend – for any airline lounge club worldwide. So if you’re a heavy spender, you can basically get a lounge membership for many airlines for free.

Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!

Global Entry

These cards come with a $100 Global Entry/TSA Pre-Check credit. Global Entry will allow you to get through immigration and customs in a hurry and Pre-Check allows you to breeze through security since you can join a shorter line and you don’t have to worry about taking out your electronics or liquids and can keep your shoes on along with other items like your belt and light jackets on.

Great bonus earning

Two of these Infinite cards offer some great bonus earning potential.

  • Chase Sapphire Reserve 
    • 3X on dining and travel
  • City National Crystal Card
    • 3X on gasoline, grocery, airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases

The CNB card really leaves the Sapphire Reserve in the dust with 3X on gas and groceries. And you can redeem your points on some flights for up to 1.25 cents per point which would equal a 3.75% return on some purchases which is very good.

But keep in mind that you can’t transfer your point to travel partners so that’s a significant loss there. If you value Ultimate Rewards around 2 cents per point, then the Reserve hauls in an impressive ~6% back on travel and dining which is pretty incredible.

Another great thing about the Reserve is that you can combine your bonus spend earnings with other Chase cards like the Chase Freedom cards or Chase Ink cards. If you can get three or four of those cards, you’ll have a point-earning machine that nothing else can really compete with.

The UBS card leaves a bit to be desired with its earning rates:

  • UBS Visa Infinite Card 
    • 3x points for commercial air travel, 2x points for gas and groceries

Visa Infinite rental car benefits

These cards will offer you different types of rental car perks with companies like Avis, National, and Silvercar. This could come in the form of discounts and upgrades. For example, in the past you could get a 30% discount on Silvercar and Avis, and also a discount on National at about 25%.

Getting Emerald Club Executive level membership is nice because the other “elite level” offered for Avis (Avis Preferred) is open to the public just for signing up. Executive level membership is not open to the public and the Emerald Club Executive benefits include:

Priority Service

Get expedited services when renting in Europe and Latin America and the Caribbean.

Guaranteed Upgrades

You’re always guaranteed a free upgrade when you reserve using the Midsize rate (in US and Canada).

Drop & Go

With convenient email receipts, just drop off your car and go (if your car has not been damaged during the rental).

Executive Area Access

Choose any car (full size and above) in the Executive Area and only pay the mid size rate (in US and Canada).

Faster Free Rental Days

Earn 1 rental credit for every qualified car rental. Free Rental Day = 6 credits.

No Second Driver Fees (excluding rentals in Europe)

Never pay extra when family members and business associates do the driving.

Visa Infinite Concierge

Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more.

One thing to note is that there are a lot of complaints about the Visa concierge service, especially when compared to the service offered by American Express. So I probably wouldn’t go around expecting a whole lot from this service.

Primary rental car coverage

With all of these Infinite cards discussed in this article, you can get primary rental car coverage which can save you a ton on stress since you don’t have to deal with your auto insurance company and it can save you on your monthly premiums.

You can read more about the Sapphire Reserve rental car coverage here.

Visa Infinite Travel and purchase protections

These cards also come with loaded with additional travel and purchase protections. But the protections offered by the cards can be quire different. Take a close look at the bolded text below and you’ll be able to see some of the major differences between the cards.

Purchase Protection (aka purchase security)

This benefits protects your products from damage or theft for a certain time period after purchase. Notice how each of these cards has high limits for the protection but that the Sapphire Reserve has the best policy.

  • Chase Sapphire Reserve: Protects you for up to 120 days after purchase, up to a maximum of $10,000.00) per claim and $50,000.00 per year
  • City National Crystal Card: Protects you for up to 90 days after purchase, up to a maximum of $10,000.00) per claim and $50,000.00 per year
  • UBS Visa Infinite Card: Protects you for up to 90 days after purchase, up to a maximum of $10,000.00) per claim and $50,000.00 per year

Price Protection

Price Protection helps you save money on many products when you purchase them entirely with your eligible Visa Infinite Card and the price later drops.

  • Chase Sapphire Reserve: Effective 08/26/18, the Price Protection benefit was discontinued.
  • City National Crystal Card: If you buy an eligible item with your card in the United States and see it available for less in another retail store’s printed Advertisement within 60 days of the Date of Purchase, the Benefit Administrator will refund the difference up to $1,000 per item and up to $4,000 a year per eligible account.
  • UBS Visa Infinite Card: If you buy an eligible item with your card in the United States and see it available for less in another retail store’s printed Advertisement within 90 days of the Date of Purchase, the Benefit Administrator will refund the difference up to $500 per item and up to $1,500 a year per eligible account.

Return Protection

Return Protection is coverage that will allow you to get reimbursed for certain items if your merchant does not accept a return.

  • Chase Sapphire Reserve: Will reimburse you for the cost of an eligible item of personal property within 90 days of the date it was purchased up to $500 per item at an annual maximum of $1,000 per account.
  • City National Crystal Card: Will reimburse you for the cost of an eligible item of personal property within 90 days of the date it was purchased up to $300 per item at an annual maximum of $1,000 per account.
  • UBS Visa Infinite Card: Will reimburse you for the cost of an eligible item of personal property within 90 days of the date it was purchased up to $300 per item at an annual maximum of $1,000 per account.

Trip Cancellation/Trip Interruption Protection

If you can’t make a trip due to something like the weather or a sickness, you’ll be able to get covered for certain non-refundable expenses like pre-paid hotel stays.

  • Chase Sapphire Reserve: Coverage up to $10,000
  • City National Crystal Card: Coverage up to $5,000
  • UBS Visa Infinite Card: Coverage up to $5,000

Trip Delay

If you trip is delayed these cards all will allow you to cover expenses like meals and lodging up to $500 per ticket, which is nice especially since airlines may not offer you anything depending on the cause of the delay.

  • Chase Sapphire Reserve: If delayed for more than 6 hours or requires an overnight stay, the benefit covers up to a maximum of $500 per ticket.
  • City National Crystal Card: If delayed for more than 6 hours or requires an overnight stay, the benefit covers up to a maximum of $500 per ticket.
  • UBS Visa Infinite Card: If delayed for more than 6 hours or requires an overnight stay, the benefit covers up to a maximum of $500 per ticket.

Baggage Delay

Baggage delay allows you to cover necessary expenses like clothing and toiletries if your bags arrive late. As you can see, the Chase Sapphire Reserve blows away the coverage offered by the other cards.

  • Chase Sapphire Reserve: Coverage begins after 6 hour delay, up to $100 for 5 days
  • City National Crystal Card: No protections listed under benefits (only lost luggage)
  • UBS Visa Infinite Card: Coverage begins after 12 hour delay, up to $100 for 3 days

Overall, the Sapphire Reserve offers the best travel protections in my opinion. The 12 hour baggage delay is a deal breaker for me as someone who has had to relied on that perk in pivotal times. I also like the much higher trip cancellation coverage at $10,000.

Additional benefits

These cards also offer some unique benefits and perks as well.

For example, with the Chase Sapphire Reserve you can access the Chase Travel Portal and redeem Ultimate Rewards for 1.5 cent per point, which can be a great way to give yourself flexibility with your points.

The City National Crystal Card comes with benefits like  Gogo Inflight Wi-Fi service on up to 12 flight segments per year on any Gogo-equipped aircraft and Troon Privé (golf benefits).

Keep in mind that some of these cards like the City National Crystal Card can be difficult to get due to requirements to apply in-branch and to some of their verification requirements.

Visa Infinite FAQ

What are Visa Infinite credit cards?

Visa Infinite credit cards are premium Visa cards that come with enhanced benefits such as travel perks and purchase and travel protections.

What are the main Visa Infinite credit card benefits?

– Visa Infinite Luxury Hotel Collection
– Visa Infinite Concierge Services
– Global Entry statement credit
– Visa Infinite car rental privileges
– Lounge access (Priority Pass)
– Airline incidentals statement credit
– Fine wine and food

Not every card will offer every benefit so be sure to check with your credit card issuer to see which benefits apply to you.

What are the best Visa Infinite credit cards?

Chase Sapphire Reserve
City National Crystal Card
UBS Visa Infinite Card

What annual fee do Visa Infinite credit cards have?

Chase Sapphire Reserve: $550 annual fee 
City National Crystal Card: $400 annual fee
UBS Visa Infinite Card: $495 annual fee

Do Visa Infinite credit cards still have the $100 airline discount?

No, this perk is no longer available.

What are the Visa Infinite Luxury Hotel Collection benefits?

– Best available rate guarantee
– Automatic room upgrade upon arrival, when available
– Complimentary in-room Wi-Fi, when available
– Complimentary continental breakfast daily
– $25 USD food or beverage credit per stay
– VIP Guest status
– Late check-out upon request, when available
– Special amenity unique to each property, such as an additional dining credit or spa credit

Do Visa Infinite credit cards come with airline incidental statement credits?

Visa Infinite credit cards are known to come with credits that you can use for travel purchases. For example, the City National Crystal Card offers a $350 airline credit.

Final word

Visa Infinite cards offer both an impressive selection of cards to choose from and a nice array of benefits and protections to take advantage of. With these cards you can earn a lot of points and also enjoy premium benefits while traveling.

I’d personally prefer for the Sapphire Reserve out of all of these cards for the points flexibility, 1.5 cent redemption rates, and ease of getting but the City National Crystal Card has a pretty amazing value proposition that could be very sweet for a lot of people.

31 American Express Platinum Benefits to Maximize (Video) [2020]

Offers contained within this article maybe expired.

The Amex Platinum is a shiny (and heavy) metal card with a sleek design that’s a definite attention-grabber. But does it actually have a lot to offer in the benefits department? The answer is a firm “yes.”

The Platinum Card is all about the benefits and this article will walk you through all of the American Express Platinum benefits, so you’ll know exactly how much value these perks can bring you.

1. Strong welcome bonus

The Platinum Card comes with a welcome bonus of 75,000 miles after spending $5,000 within the first 6 months.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

2. Transfer partners

The Platinum Card’s points, known as Membership Rewards, can be transferred out to a long list of airline and hotel partners. Here’s a list of all of the Amex travel partners.

Airline ProgramRatio (MR to airline)Transfer wait time
Aer Lingus1:1Instant
AeroMexico1:1.6 24 Hours
Air Canada1:1Instant
Alitalia1:1Instant
ANA1:148 Hours
Avianca1:1Instant
British Airways1:1Instant
Cathay Pacific1:148 Hours
Delta1:1Instant
El Al1000:20 Instant
Emirates1:1Instant
Etihad1:1Instant
Flying Blue1:1Instant
Hawaiian Airlines1:1Instant
Iberia1:124 to 72 hours
JetBlue250:200Instant
Qantas1:1Instant
Singapore Airlines1:124 to 72 hours
Virgin Atlantic1:1Instant

Hotel ProgramRatio (MR to partner)Transfer wait time
Choice1:1Instant
Hilton1:2 Instant
Marriott1:1Instant

Some of my favorite partners are: ANA, British Airways, Asia Miles, Delta, Singapore, and Emirates. These partners offer great aspirational redemptions like the Singapore First Class SuitesANA First Class Suites, and Emirates first class.

If you are interested in traveling the world in style by flying business class and first class, I think that American Express has the best partners for that — you just need to do a little bit of research to figure out how to best use them.

Membership Rewards can be used on Emirates for first class flights.

3. 5X on airfare

For the longest time, the Amex Platinum didn’t offer any bonus categories. But eventually Amex rolled out with two bonus categories: airfare and hotels (through the Amex portal).

The Platinum Card earns 5X on airfare purchased directly with airlines. This allows you to rack up Membership Rewards in a hurry if you are a frequent flyer. And these points are in addition to the miles that you’ll earn on your flight via the airline.

Using the same valuation of 1.75 cents per point, 5X comes out to 8.75%!

4. 5X on hotels through amextravel.com

You can also earn 5X on hotels when purchased directly through amextravel.com.

The issue with that is the hotels must be pre-paid and you might lose out on receiving your elite status perks by booking through an OTA. Still, some hotels will still honor elite status and earning 5X on those purchases can be worth it in some instances. Personally, though, I would rather just book directly with the hotel.

If you are interested in maximizing hotel spend with hotels, be sure to check out the most impressive hotel credit cards out there!

I received Marriott Platinum perks at the St. Pancras in London even though I booked through an OTA (online travel agency like the Amex portal).

5. Amex Centurion Lounges

One of the greatest American Express Platinum benefits is its vast lounge network. In fact, I would argue that this is the core benefit of the Platinum card. There are different types of lounges that you will get access to but the most notable lounges are probably the Centurion Lounges.

The Platinum Card provides you (and up to two guests) with Amex Centurion Lounge access, which are some of the nicest lounges in the US. You can relax with specialty cocktails and enjoy hot food, shower facilities, and free wifi.

Some Centurion Lounges even have a spa!

These lounges aren’t quite as good as some of the premier business class and first class lounges you will find at US airports but they are a large step up from domestic carrier lounges for airlines like United and American Airlines.

Here are the locations where you can find these Centurion lounges:

You’ll also find International Centurion Lounges across the globe.

These don’t always offer the same level of amenities and complimentary services and they also can be much smaller than standard Centurion Lounges. I recently visited the Centurion Lounge in Sydney, Australia and was not very impressed to tell you the truth.

Here are locations where you will find them:

  • Buenos Aires (EZE)
  • Delhi (DEL)
  • Mexico City (MEX), Monterrey (MTY), Toluca (TLC)
  • Mumbai (BOM)
  • São Paulo (GRU)
  • Sydney (SYD)

6. Priority Pass lounges

The Platinum Card also provides you and up to two guests with Priority Pass Select access, which will get you into over 1,000 lounges all around the globe.

These lounges vary greatly in terms of quality and features but some can be very nice and be an absolute life-saver between long flights. If you have ever got off a long haul flight and had to endure a few hours for a layover, you know how valuable an airport lounge can be in that scenario.

I do have to say, many of the Priority Pass lounges within the US tend to be a bit unremarkable.

Don’t get me wrong — I still enjoy spending time in those lounges versus spending time outside in the gates but they often are smaller lounges and don’t always offer the greatest amenities.

But when traveling internationally, I have come across much for quality lounges. These lounges have been more spacious, offered more varieties of food and drink, and have just been more interesting lounges to check out.

The big thing to note about Priority Pass access with the Platinum card is that you don’t get access to the Priority Pass restaurants. Many Priority Pass memberships for other cards like the Chase Sapphire Reserve will allow you to receive a credit for something like $26 per person when eating at a restaurant in the Priority Pass network. But that is no longer the case with the Platinum card.

7. Delta Sky Clubs

Whenever you fly Delta, the Platinum Card will get you into Delta Sky Clubs. Delta Sky Clubs are pretty solid lounges compared to many other domestic lounges. Unfortunately, guests are not complimentary and you’ll have to shell out $29 for each guest to come in to the lounge with you (but authorized users would be able to get in).

8. Additional Lounges

The Platinum Card also offers lounge access to other different type of lounges which also include:

  • Airspace lounges
  • Escape Lounges
  • Select Lufthansa lounges in Germany (MUC or FRA)
  • Eurostar Business Premier Lounges (London St. Pancras, Paris Gare du Nord, Brussels Midi/Zuid, and Ebbsfleet International.
  • Virgin Australia lounge access when flying Virgin Australia
  • Centurion Suite at the Staples Center (open for sporting events — no complimentary food or drinks)
  • Universal Studios lounges (Orlando and Hollywood)

9. $200 airline credit

The Amex Platinum offers you an annual $200 airline credit which you receive on a calendar basis. You can utilize this travel credit on the following types of purchases:

  • Checked baggage fees (including overweight/oversize)
  • Itinerary change fees
  • Phone reservation fees
  • Pet flight fees
  • Seat assignment fees
  • In-flight amenity fees (beverages, food, pillows/blankets, headphones)
  • In-flight entertainment fees (excluding wireless internet because it’s not charged by the airline)
  • Airport lounge day passes & annual memberships

The following items are explicitly excluded:

  • Airline tickets
  • Mileage points purchases or mileage points transfer fees
  • Gift cards
  • Upgrades
  • Duty–free purchases
  • Award tickets

I’ve used the credit for change fees and for airport lounge passes before and felt like it was worth it for the most part. Sometimes you can get around the exclusions above but American Express enforces their terms more strictly now so I would not count on it.

The catch here is that you can only use it on qualifying airlines. Qualifying airlines include:

  • Alaska Airlines
  • American Airlines
  • Delta Airlines
  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue Airways
  • Spirit Airlines
  • Southwest Airlines
  • United Airlines

This credit is important because the annual fee is so high for this card at $695. But if you are able to utilize all of your credits like this one then you could knock down that annual fee way down. You can read more about this credit here.

10. $200 Uber credit

The Amex Platinum also provides you a $200 Uber credit.

Each month you’re given $15 but that amount expires at the end of the month (for December you get $35).The best part is that you can use the Uber credit for Uber Eats!

This really is a fantastic credit for people who already use the rideshare service and the food delivery service from Uber. But if you don’t currently use those then you really need to consider the additional fees that go into your orders.

For example, when you use Uber eats you will have to pay a delivery fee, service fee, tip, etc. So for some people they may value this $200 credit at something more like $170 but it all just depends on the user.

Together the airline and Uber credits cut down the annual fee to only $150. Amex Platinum and Centurion cardholders also automatically get Uber VIP when they add their card into the Uber app.

Use the $200 credit towards lounge memberships like this United Club at Houston (IAH).

11. $100 Saks credit

With the Platinum Card, you’ll get a special $100 Saks credit.

The way it works is that you’ll get $50 from January to June and another $50 in the second half of the year so you don’t get it all at once. There are a number of smaller purchases you can make at Saks to make this credit worth using.

Things like champagne flutes, passport holders, and tons of other random things can be purchased. In the past, I have purchased things like face lotion and a Ralph Lauren Polo hat. (If you don’t see anything you personally like this credit can be great for purchasing gifts for other people.)

While gift cards are subject to exclusion, some have had success purchasing those and re-selling them for a cash agin.

12. Hilton Honors Gold

Hilton Honors Gold elite status will get you free breakfast, upgrades, late check-out, and sometimes even lounge access. It’s one of the best mid-tier statuses to have and could bring you real value in terms of money saved.

Depending on how often you stay at Hilton properties, this benefit could save you hundreds of dollars by itself by offering you things like the complementary breakfast and late checkout.

Also, sometimes you can find special promos to quickly jump up to Hilton Diamond status — the top tier.

13. Marriott Gold elite status

With the Platinum Card, you’ll also get Marriott Gold elite status. Unfortunately, after the Marriott/SPG merger, gold status is no longer worth what it once was because it no longer comes with perks like a free breakfast. I personally don’t care too much for this perk.

Get special perks at Hilton hotels like the Conrad Maldives.

14. Car rental benefits

The Amex Platinum rental car benefits are for:

The Avis Preferred and Hertz Gold Plus Rewards aren’t true elite statuses since pretty much anybody can sign-up for them. However, they do get you some perks like upgrades and skip the line privileges.

However, the Emerald Club Executive for National Car Rental is a true elite status with perks like being able to choose any car (full size and above) in the “Executive Area” and only pay the Midsize rate, get faster Free Rental Days (6 qualified car rentals = 1 Free Rental Day), and always get guaranteed a free upgrade when you reserve using the Midsize rate.

American Express Platinum benefits for Car rentals
Get rental car upgrades with the Platinum Card.

Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!

15. Global Entry/TSA Pre-Check $100 credit

It seems like every card offers this perk nowadays. But if you don’t currently have it, Global Entry will get you through immigrations and customs in a breeze and it comes with TSA Pre-Check so you’ll get through security in a breeze too.

More and more airlines are joining TSA Pre-Check and Global Entry interviews can be done upon arrival at the airport now so these perks are as useful as they’ve ever been.

16. American Express Fine Hotels & Resorts (FHR)

The Platinum Card offers access to the Fine Hotels & Resorts (FHR).

This is an exclusive program where you can receive special perks like upgrades, free breakfast, $100 credit, wifi, and late check-out. Basically what it does is give you elite status perks when you book through the portal.

It’s also possible to still earn your points for your preferred hotel loyalty program. And the Platinum Card even earns 5X on Fine Hotels and Resorts. The fact that you can earn 5X and also receive elite benefits when booking through this portal is huge to me. 

The rates are usually among the best rates for the hotels and they’ve got a full roster of popular five-star luxury hotels like the Ritz-Carlton, St. Regis, Conrad, Four Seasons, etc. So if you like to stay in luxury hotels this perk has the potential to offer you tons of value at locations all around the world.

The Ritz-Carlton Hong Kong, a member of the Fine Hotels & Resorts.

17. American Express Concierge

The Amex concierge service is one of the lesser discussed American Express Platinum benefits but it can help you with just about anything. Typical requests are for hard to get dinner reservations, flowers and gift deliveries, and tickets to shows and events. But the concierge service can help you out with random requests as well so don’t be afraid to ask away!

The American Express Concierge number is 800.525.3355 (go with option 2).

18. International Airline Program

The International Airline Program is one of the best kept secrets of the Platinum Card. That’s because you’ll be able to save big time on certain types of flights, including: premium economy, business class, and first class flights.

The amount you are able to save varies but in some cases you could save hundreds or even thousands of dollars on these flights, easily offsetting the cost of the $695 annual fee.

Not every airline participates in the program.

Currently, here is the list of airlines that participate:

  • AeroMexico
  • Air China
  • Air France
  • Air New Zealand
  • Alitalia
  • Asiana Airlines
  • Austrian
  • British Airways
  • Brussels Airlines
  • Cathay Pacific
  • China Airlines
  • Delta
  • Emirates
  • Etihad Airways
  • Iberia
  • Japan Airlines
  • KLM
  • LATAM
  • Lufthansa
  • Qantas
  • Qatar
  • Singapore
  • South African Airways
  • Swiss
  • Virgin Atlantic

You’ll notice that notably absent are domestic carriers United and American.

19. Authorized users

One of the best perks of the Platinum Card is that you can add up to three authorized users for only $175. These authorized users get most of the perks like Centurion Lounge access and Priority Pass. They even get Global Entry credits. So $175 for all of the perks is worth it.

You can also add up to 99 Gold Card authorized users for free. You can read more about the Amex authorized user benefits here.

20. Amex Offers

Amex Offers will get you discounts on all sorts of different purchases like department stores, restaurants, hotels, airfare, and everything else in between.

If you only utilize a handful of these a year you could still end up saving anywhere from $100 to $500+ on larger purchases.

21. Lost or damaged Luggage protection

  • Will pay a benefit for the Replacement Cost, up to $3,000, for each Covered Person on a Covered Trip for Loss of carry-on Baggage.
  • Will pay a benefit for the Replacement Cost, up to $2,000, for each Covered Person on a Covered Trip for Loss of checked Baggage

22. Trip interruption

The Platinum Card now comes with trip interruption protection up to $10,000 per trip ($20,000 per year). If a covered event were to prevent you from finishing your trip and you had to cut things short, you could get reimbursed for your nonrefundable purchases and also get reimbursed for the travel expenses to get back to where you need to go.

23. Trip cancellation

The Platinum Card also comes with the trip cancellation protection up to $10,000 per trip ($20,000 per year).

This is one of the most needed travel protections for everybody. Sometimes something unexpected comes up and you are not able to even begin your trip and you could be stuck with non-refundable expenses like airfare, hotels, and tours.

24. Secondary car rental coverage

If you use your Platinum Card to book a car rental you’ll be covered with secondary car rental coverage. This isn’t quite as good as the primary rental car coverage offered by the Chase Sapphire Reserve.

One area where the Platinum disappoints is that it doesn’t offer things like baggage delay  built into the protections of the Platinum Card. For the Platinum, you’d have to purchase travel insurance before your trip to get these benefits.

25. Purchase protections

The Platinum will cover your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per Card Member account per calendar year. $10,000 is a high limit for purchase protection and the 90 day period is good but not quite as good as some cards that offer protection up to 120 days.

26. Extended Warranty Protection

The Platinum provides one additional year if the original manufacturer’s warranty is between one year and five years limited up to a maximum of USD $10,000 per occurrence

This warranty used to allow you to get coverage up to two additional years but now it is limited to only one additional year. Still, it is one of the most competitive extended warrantees because many credit cards only offer extended warranty protection on original warranties of three years or less.

27. Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $300 per item, $1,000 per year.

28. Amex Platinum benefits for military members

Under the Servicemembers Civil Relief Act, (SCRA), Amex offers several military member benefits like waiving the annual fee (even the $695 fee for the Platinum Card!). They also waive other fees like late payment fees. You can request your SCRA benefits with this link.

29. Amex Platinum Special Events

  • Membership Experiences (take advantage of presale tickets and special events)
  • By Invitation Only® (invites to high profile events like Cannes, celebrity chef events, etc.)
  • American Express® Preferred Seating (get better seats at games, concerts, shows, and other big events).
Amex Platinum Special Events
Get special seating at evens like Yankee games.

30. Misc American Express Platinum Card benefits

In addition to all of the American Express Platinum Card benefits above, there are tons of other special perks to be aware of.

  • Private Jet Program
  • Amex Auto Purchasing Program
  • Departures Magazine
  • InCircle®
  • Year-End Summary
  • Cruise Privileges Program
  • ShopRunner (get free two day shipping and free returns)

You can find out more about all of these here

31. Amex Platinum Refer a Friend

Did you know you can earn extra points when friends and family use your referral links?

The program is called Amex Refer a Friend and you can earn up to 55,000 Membership Rewards a year.

To learn more about the program click here.

Credit score and income requirements

To enjoy all of these premium benefits you’re going to need a good solid score and good income. Luckily, there are no strict cut-offs for eligibility but you can read more about the requirements here.

Amex Platinum Benefits FAQ

What bonus points does the Platinum Card earn?

The Platinum Card earns 5X on airfare and 5X on hotels through amextravel.com.

What are the main Amex Platinum Card benefits?

Strong welcome bonus
5X on airfare
5X on hotels through amextravel.com
Lounge access
Hotel elite status
$200 airline credit
$200 Uber credit
$100 Saks credit
Global Entry/TSA Pre-Check $100 credit
Car rental benefits
American Express Fine Hotels & Resorts (FHR)
International Airline Program
American Express Concierge
Travel protections
Purchase protections

What lounge access do you get with the Platinum Card?

Amex Centurion Lounges – For you and up to two guests
Priority Pass lounges – For you and up to two guests
Delta Sky Clubs – For you when you fly with Delta

What airlines can I use the airline credit on?

Alaska Airlines
American Airlines
Delta Airlines
Frontier Airlines
Hawaiian Airlines
JetBlue Airways
Spirit Airlines
Southwest Airlines
United Airlines

How much is the Uber credit?

You will receive $15 every month in Uber credits. For the month of December, you will receive a $35 credit.

What hotel elite status do I get?

You will receive automatic Hilton Honors Gold and Marriott Gold elite status.

What rental car companies do I receive benefits with?

National Car Rental Emerald Club Executive
Avis Preferred
Hertz Gold Plus Rewards

Do I get luxury hotel benefits?

Yes, you will have access to the Fine Hotels & Resorts (FHR) — an exclusive program where you can receive special perks like upgrades, free breakfast, $100 credit, wifi, and late check-out. 

What is the Platinum Card concierge number?

The American Express Concierge number is 800.525.3355 (go with option 2).

What airline benefits do I get?

In addition to earning 5X on airfare, you also get access to the International Airline Program.

How much is the trip interruption benefit?

If your trip is interrupted by a covered event you can get coverage up to $10,000 per trip.

How much is the trip cancellation benefit?

If your trip is cancelled by a covered event you can get coverage up to $10,000 per trip.

How much is the Platinum Card purchase protection?

The Platinum will cover your new purchases for 90 days against damage or theft up to $10,000 per claim.

How much is the Platinum Card extended warranty benefit?

The Platinum Card provides one additional year if the original manufacturer’s warranty is between one year and five years.

Is the Platinum Card metal?

Yes, the Platinum Card is metal and one of the heavier cards on the market.

Do military members get Platinum Card special benefits?

Yes, military members get benefits such as a waived annual fee.

Final word

As you can see, there are a ton of American Express Platinum benefits that can be at your disposal. If you only take advantage of a hand full of these benefits you can easily recoup enough value to more than cancel out your annual fee. And many of these can make your life much easier, especially if you do any kind of traveling. I highly suggest to closely look at all of these perks and consider how much value they could bring you in your everyday life.

1 3 4 5 6 7 10