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The Guide to AmEx Platinum Travel Insurance

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Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

amex platinum travel insurance certificate

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

The Platinum Card® from American Express

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:

Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.

Baggage insurance: Within 30 days, call 800-228-6855 or online .

Rental car insurance: Within 30 days, call 800-338-1670 or online .

» Learn more: The guide to AmEx Platinum rental car benefits

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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How to generate a travel insurance certificate for the AMEX Platinum Charge

Planning to use your AMEX Platinum Charge's complimentary travel insurance? Here's how to get proof of coverage.

While mandatory travel insurance requirements are starting to be scaled back around the world, some countries still require it for foreigners.

I firmly believe that no one should travel without insurance anyway, regardless of the rules, but what if your coverage comes from a credit card? Travel insurance from credit cards is just as valid as a stand-alone policy, but you won’t have that all-important one-page certificate with your name and details on it.

I’m not sure how it works for other cards, but thanks to Head for Points , I’ve learned it’s possible for AMEX Platinum Charge cardholders to generate personalised insurance certificates online.

AMEX Platinum Charge insurance

AMEX Platinum Charge cardholders enjoy complimentary travel insurance when they pay for their outbound and inbound travel with their card. For the record, coverage will apply if you redeem airline miles and use the AMEX Platinum Charge to pay for taxes and surcharges.

Coverage includes, among other things:

S$1 million for death or total permanent disability
S$1 million of medical expense coverage
S$4,000 of emergency dental treatment
S$150 hospital cash allowance
S$10,000 trip cancellation and postponement
S$400 for flight or baggage delays

COVID-19 medical expenses are covered as well.

To generate an insurance certificate, head to this link and login with your American Express credentials.

Click “Get an Insurance Certificate”, then “English certificate”.

You’ll be prompted to fill in your first and last name, email address, trip dates and passport number.

A PDF certificate from Chubb will be automatically generated and sent to your email.

Now, here’s what I find interesting.

As mentioned earlier, insurance coverage is only applicable if you use the AMEX Platinum Charge to pay for the outbound and inbound legs of the trip. However, you can generate an insurance certificate regardless of whether you’ve done this.

I think the legal team was careful to cover their bases here, as the letter only states that the individual is “entitled” to coverage, and adds the following clause:

“This insurance program provides coverage to the Insured when the travel costs for the originating and return journey of the trip are being charged to the Cardmember’s Platinum Charge Card”

Add the fact you can put anyone’s name on the certificate (understandable, given that the policy is meant to cover your spouse and dependent children as well) and it almost feels like a “generate your own insurance certificate” tool, something that could be easily abused. I mean, I can’t imagine the average check-in agent or immigration official could be bothered enough to cross reference your credit card statement and see if the coverage is actually active…

While other American Express cards like the AMEX KrisFlyer Ascend and AMEX Platinum Credit Card also come with complimentary travel insurance, the portal unfortunately does not allow you to generate certificates. In those cases, you’ll need to contact Chubb and see if they can assist you.

AMEX Platinum Charge cardholders can generate a personalised travel insurance certificate that provides documentary proof of coverage (though I wonder how the person reading the certificate will know if the coverage is active!). It only takes a few minutes to do, and delivery is instant.

For more information on travel insurance policies that cover COVID-19, refer to the link below.

Which travel insurance policies provide COVID-19 coverage?

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Maximizing Travel Insurance with the American Express Platinum Card

In the past, I’ve used my Chase Sapphire Reserve card, which has remarkable travel coverage. However, since I’m considering canceling the card when it’s up for renewal, I’m looking for alternatives for where to shift my airfare spending.

Here’s a breakdown of the travel insurance provided by the AMEX Platinum card.

Trip Cancellation and Interruption Insurance

Trip cancellation and interruption insurances cover you in situations where you are unable to travel or when a trip needs to be cut short.

NerdWallet provides a good explanation of the differences between these two insurance coverages.

Trip cancellation coverage applies in situations where you cancel your trip before it starts. If you haven’t left yet, and you have to scrap your plans for a covered reason (such as an injury or illness), you can get some or all of your trip expenses reimbursed through trip cancellation coverage. Trip interruption insurance, on the other hand, is about when something happens during your trip. Let’s say you’re on a trip and you suddenly have to get home to deal with a death or injury in the family. Trip interruption insurance will cover this situation, recompensing some or all of the remaining expenses in the trip.

With the American Express Platinum card, the maximum benefit amount is $10,000 per Covered Trip and $20,000 per eligible card per 12 consecutive months.

The coverage is written in legalese, so it’s difficult to parse when you have coverage.

You must charge the full amount of a Covered Trip to your Eligible Card or in combination with your Eligible Card and accumulated points on your Eligible Card or redeemable certificates, vouchers, coupons, or discounts awarded from a frequent flyer program or similar program.

In the end, if you pay for your flights with the card, you should be covered for the non-reimbursable expenses if you need to cancel or cut your trip short.

Trip Delay Insurance

Trip delay insurance is easier to understand.

Coverage is provided that reimburses an Eligible Traveler for reasonable additional expenses (including but not limited to meals, lodging, toiletries, medication, and other personal use items) incurred for a Covered Trip that is delayed more than six (6) hours, if the Covered Trip delay is caused by a Covered Loss.

Covered losses include:

Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a Covered Trip (e.g. severe weather that delays the scheduled arrival or departure of a Common Carrier)
Terrorist Action or hijacking.
A Common Carrier’s equipment failure, as documented by the Common Carrier
Lost or stolen passports or travel documents.

Amex Platinum cardholders can receive up to $500 per loss and 2 claims per 12-month period. The same requirements apply to receive coverage.

Baggage Insurance Plan

This insurance covers you for the loss or damage to your bags. Coverages are different for carrying bags, and once you’ve checked bags with the carrier.

$3,000 for your items while transporting them to the terminal or once in the terminal and aboard the common carrier.
$2,000 for items once checked with the common carrier.

There’s also a $1,000 line item limit for expensive items like jewelry, electronics, wearable technology and photo equipment.

Unlike the other coverages, this one requires you to pay the entire cost of the trip with your card. Flights booked with miles will not qualify for coverage.

However, other loyalty programs (i.e., Non-American Express) do not qualify on purchases redeemed in part or full towards the fare or pre-arranged travel cost. An example would be Common Carrier Frequent Flyer Miles point redemption.

Final Thought

The travel protections offered by the American Express Platinum Card are decent, but it lacks coverage for delayed baggage which would reimburse for essentials if your bags are delayed. However, most people prioritize having trip delay and trip cancellation/interruption coverage as these are bigger expenses. The question is whether it’s worth sacrificing some coverage to earn extra points.

If you’re planning an international trip, it’s a good idea to purchase travel insurance, as it will usually cover most unexpected events that may occur. However, for domestic trips, whether or not you need extra travel insurance depends on the non-refundable expenses and whether you can afford to cover any losses that may arise. In my opinion, the coverage provided to AMEX Platinum Card members is sufficient for most travel. However, if you’re going on an expensive trip, it’s probably best to purchase separate travel insurance instead of relying on what’s provided by your credit card.

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Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards . After all, both cards offer valuable transferable rewards , lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection .

Like many of the top rewards cards , the Chase Sapphire Reserve and Amex Platinum Card also provide travel insurance when you use your card to book travel. In particular, these two premium travel rewards cards offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let's compare the travel insurance provided by these two cards.

Overview of the travel insurance provided by these cards

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company. ^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. # Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers. † Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the table above, the Amex Platinum doesn't provide baggage delay insurance , emergency medical and dental benefits , roadside assistance or travel accident insurance . For brevity, I won't discuss the types of insurance the Amex Platinum doesn't provide any further in this guide.

Instead, I'll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:

Chase Sapphire Reserve benefits guide
Amex Platinum benefits guide

And to learn more about both cards, check out our Chase Sapphire Reserve credit card review and Amex Platinum card review .

Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Trip delay insurance

Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance.

As you may gather from the above table, the primary differences in trip delay coverage are:

The Amex Platinum requires round-trip travel, which you must buy with your card (in whole or combination with other eligible methods).
The Amex Platinum doesn't cover overnight delays that are less than six hours.
The Amex Platinum caps your claims to two per 12-month period.
The Amex Platinum covers traveling companions as long as you pay for their round-trip common carrier fares with your card.
The Chase Sapphire Reserve explicitly covers delays due to strikes, while the Amex Platinum explicitly covers delays due to lost or stolen passports or travel documents.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance may provide reimbursement for nonrefundable, prepaid trip expenses when you must cancel or alter a trip due to a covered situation. In some cases, you may be covered for additional expenses. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip cancellation and interruption insurance:

As you can see in the above table and the related benefits guides, the primary differences in trip cancellation and trip interruption coverage are:

The Amex Platinum requires round-trip travel , paid with your card (in whole or in combination with other eligible methods). Only travel expenses put on the card used for round-trip common carrier travel will be covered.
The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted.
The Chase Sapphire Reserve may reimburse redeposit fees imposed by a rewards program if your trip is canceled or interrupted, as well as change fees and car positioning fees if your trip is interrupted.
The Chase Sapphire Reserve covers more types of losses, including if your accommodation at your destination is made uninhabitable or your host at your destination dies or is hospitalized.
The Amex Platinum excludes losses related to mental or emotional disorders unless hospitalized. The Amex Platinum also excludes losses that occur when you're intoxicated. The Chase Sapphire Reserve excludes any loss for any trip booked while on a waiting list for specified medical treatment.

Check out American Express' trip cancellation and interruption insurance coronavirus frequently asked questions if you're wondering whether the Amex Platinum's insurance will cover coronavirus -related cancellations or interruptions.

Related: Be careful: Avoiding outbreaks isn't covered by most travel insurance

Auto rental collision damage waiver

The collision damage waiver offered by both cards can cover your rental car if you're in an accident or if it's stolen or damaged. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's rental car insurance.

^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

As you can see in the above table and the related guide to benefits, the primary differences in car rental collision damage protection are:

The Chase Sapphire Reserve covers more types of vehicles.
The Chase Sapphire Reserve provides primary coverage.
The Chase Sapphire Reserve doesn't have country exclusions.
The Amex Platinum offers coverage to spouses when payment is made with an eligible card.
While the Amex Platinum coverage specifically mentions peer-to-peer rentals, it's unlikely your Sapphire Reserve would cover Turo rentals .

If you'd prefer to get primary coverage for rental cars when using American Express cards , you can enroll in American Express' Premium Car Rental protection .

Related: 11 common rental car mistakes — and how to avoid them

Emergency evacuation and transportation insurance

The emergency evacuation and transportation insurance provided by these cards can arrange and pay for necessary emergency medical transport and evacuation under eligible circumstances. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's emergency evacuation and transportation insurance.

# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

As you can see in the above table and the related guide to benefits, the primary differences in the emergency medical evaluation benefit are:

You're covered by the Amex Platinum even if you use another card to purchase your common carrier fare, whereas you must at least partially pay with the Chase Sapphire Reserve or associated rewards to be covered.
The Chase Sapphire Reserve has stricter requirements for trip length.
Both cards offer additional benefits that can bring a family member to your side or return now-unaccompanied minors home.

Related: A Medjet medical transport membership is different than travel insurance. Here's why you need both

Lost luggage reimbursement

The lost luggage benefit offered by both cards may reimburse you if your baggage is lost, damaged or stolen during a trip. Here's a comparison of the lost luggage reimbursement provided by the Chase Sapphire Reserve and Amex Platinum Card .

† Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the above table and the related guide to benefits, the primary differences in lost luggage reimbursement are:

The Amex Platinum explicitly notes that losses due to confiscation by TSA aren't excluded.
The Chase Sapphire Reserve covers a broader selection of family members when you pay for their ticket using your card.
The cards exclude different types of items and types of loss.

Related: Everything you need to know about Amex's baggage insurance plan

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

The Platinum Card from American Express earns 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) for an approximate 10% return based on TPG's valuations . The Chase Sapphire Reserve earns 10 Chase Ultimate Rewards points per dollar on hotels and rental cars purchased through the Chase Travel portal , 5 points per dollar on flights booked through this portal, 10 points per dollar on Lyft rides through March 2025 and 3 points per dollar on all other travel (bonus points earning comes into effect after exhausting the $300 annual travel credit ).

The Sapphire Reserve has an annual fee of $550 while the Amex Platinum Card has a $695 annual fee (see rates and fees ).

Related: Amex Membership Rewards vs. Chase Ultimate Rewards: Which is the best?

Despite the earning gap (which can sway one way or the other, depending on how you book your flights), you may want to use the Chase Sapphire Reserve when booking some common carrier travel. I recommend checking out the guide to both cards' benefits and considering which card is best for your travel expenses. To help, here are some reasons to consider each card.

Reasons to use the Chase Sapphire Reserve

Offers a baggage delay benefit , an emergency medical and dental benefit, and roadside assistance up to $50 up to four times a year.
Only a portion of your travel expenses must be charged to your card to unlock most benefits (whereas the Amex Platinum generally only provides benefits when you charge the entire common carrier fare to your card).
No requirement for round-trip travel.
Provides trip delay benefits if you're delayed overnight for less than six hours.
Provides primary car rental coverage.
Offers travel accident insurance (although the Amex Platinum provides some travel accident insurance on car rentals).
Includes strikes as an eligible reason for trip delay insurance.
May reimburse redeposit fees imposed by a rewards program under trip cancellation/interruption insurance .

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

Reasons to use the Amex Platinum

Provides an emergency medical evacuation benefit to cardmembers regardless of whether you charged any trip expenses to the card.
Covers traveling companions for trip delay insurance and trip cancellation/interruption insurance when you purchase their round-trip fare with your card.
May reimburse additional transportation expenses to rejoin the common carrier covered trip or return to the place of origin; also may cover the purchase of tickets for a new departure, under trip interruption insurance.
Includes lost or stolen passports or travel documents as an eligible reason for trip delay insurance.
Has a higher cap on high-value items for lost, damaged or stolen baggage.
Some readers have found the claim process to be more straightforward and simple.

OFFICIAL APPLICATION LINK: The Platinum Card from American Express

Bottom line

Some travelers who have both cards put their flights on the Amex Platinum to earn 5 points per dollar and put other travel expenses on the Chase Sapphire Reserve to earn 3 points per dollar and activate their trip cancellation and interruption protections.

You might want to keep the Amex Platinum primarily for Centurion Lounge access , hotel elite status and access to Amex Fine Hotels & Resorts , as well as nearly $1,500 in annual credits available to cardmembers.

However, you might want to avoid booking flights with the Amex Platinum because of the round-trip requirement and the lack of baggage delay protection . Instead, you'd prefer to use the Chase Sapphire Reserve for common carrier fares and other travel expenses .

Additional reporting by Ryan Smith.

For rates and fees of the Amex Platinum card, click here .

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How does the Amex Platinum’s travel insurance work?

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American Express credit cards have emerged as one of the top card travel insurance options. After years of neglecting this aspect of their card benefits, they’re extremely competitive among other bank cards — particularly The Platinum Card® from American Express.

The Amex Platinum receives extra insurance less premium cards simply don’t have. Yes, it’s got a massive 100,000 point bonus after spending $6,000 in the first six months of account opening (read our post on common mistakes people make with Amex points to see how valuable they can be), but that’s a short-lived aspect of the card.

Let’s take a look at the Amex Platinum travel insurance — and learn how you can leverage the card for coverage on airfare, baggage, rental cars, and more. You can read our Amex Platinum review for a more well-rounded look at the card’s benefits.

Credit card travel protection benefits

When you pay for airfare with the best travel insurance credit cards , you can get automatic travel protection benefits at no extra charge. Chase and Amex offer fantastic features (while Citibank travel insurance is nonexistent, by the way).

Depending on the card, sometimes just paying the taxes and fees on an award flight will get you coverage. But the coverage you get can vary significantly by card. Enrollment required for select benefits.

Note: Amex stipulates that you must book with a “Common Carrier” to qualify for coverage. That just means you’ve booked an airline, a cruise ship, etc. You won’t be reimbursed if you book an under-the-table commute across Lake Okeechobee on your cousin’s fan boat.

Amex cards eligible for travel insurance

The best American Express cards are eligible for travel insurance. Here’s a table breaking down the most popular cards with the best coverage.

The Platinum Card® from American Express
The Business Platinum Card® from American Express (similar name but quite different from the regular Platinum card — read our Amex Business Platinum review )
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve Business American Express Card
Marriott Bonvoy Brilliant™ American Express® Card
Hilton Honors American Express Aspire Card

The information for the Hilton Aspire card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Here’s a list of the most popular cards with benefits a tier below the most premium cards:

American Express® Gold Card
American Express® Business Gold Card
American Express® Green Card
Business Green Rewards
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Platinum Business American Express Card
The Blue Business® Plus Credit Card from American Express

These cards don’t come with trip cancellation or interruption, and they have lower reimbursement caps for coverages like trip delay and baggage protection.

The Amex Platinum benefits are top of the food chain. Let’s get into the nitty-gritty.

Trip Interruption and Cancellation Insurance

With Amex Platinum Trip Cancellation Insurance, you’re are eligible for up to $10,000 per trip (with a maximum payout of $20,000 per 12-month period) for flight cancellations occurring due to a covered reason (such as inclement weather, jury duty, injury, illness, etc.). You must pay the full ticket with your card (award flight taxes and fees and Pay With Points tickets also eligible).

Trip Delay Insurance

If your trip is delayed more than six hours for a covered reason, you’ll get up to $500 for reasonable expenses (think meals, lodging, toiletries, etc.). Again, you must purchase your trip in full with your Amex Platinum — and paying taxes & fees on award flights or Pay With Points qualifies you for coverage.

Here are some examples of eligible reasons for which Amex will compensate you:

Equipment failure (the plane wheels fall off, the engine won’t start, etc.)
Inclement weather
You lose your travel documents
Your flight is hijacked

Note that this insurance is valid for round-trip flights only . However, the Amex Platinum benefits guide states:

The period of round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s).

Rental Car Insurance

The Amex Platinum comes with secondary rental car insurance. That basically means that if your rental car is damaged or stolen, it’ll cover you for any expenses that remain after your personal insurance pays for everything that it covers. Or, if you purchased rental car insurance from the rental agency, Amex Platinum insurance will scoop up the remaining costs that it won’t cover.

However , you can enroll for free in the American Express Premium Car Rental Protection program , and that does offer primary rental car insurance. You’ll pay ~$25 (~$18 for California residents, ~$16 for Florida residents) per rental for up to 42 consecutive rental days (30 consecutive rental days for Washington State cardholders). If you’re renting for a few days, this is definitely worth purchasing.

Unless you’ve got any one of the best credit cards for car rentals . These come with primary rental car insurance for free.

Lost, Damaged, and Stolen Baggage Insurance

The Amex Platinum comes with various coverages in the event that your baggage is lost, stolen, or damaged by the common carrier:

Up to $2,000 per person per trip for loss of checked baggage
Up to $3,000 per person per trip for loss of carry-on baggage
Up to $250 per person per trip for loss of high risk items (i.e. jewelry & electronics)
Cap of $10,000 per trip for everyone on your itinerary.

High-risk items such as jewelry, electronic equipment, sports equipment, etc., are capped at $1,000 in total coverage. For things like cash, medical items, and contact lenses, you won’t be covered at all.

Delayed Baggage Insurance

Some cards will reimburse you in the event that your checked bags are delayed by more than six hours. If you arrive at your destination and your stuff doesn’t show up, you can go to the store and buy things to tide you over until your bag finally arrives (toiletries, clothes, and the like).

American Express completely ignores this fantastic feature. The Amex Platinum gives you none of this coverage. But read our post on the best credit card for baggage delay coverage to find a good one. This has saved me $500+ on a single trip in the past.

Premium Global Assist

When you are at least 100 miles from home, you can call the Amex Platinum Premium Global Assist to help solve pretty much any hardship. For example:

You can call for help finding a lost item — including luggage. Amex will pester the airline until you are satisfied
You can tell Amex to contact a friend or family member during your trip if you can’t reach them yourself
If you lose your wallet, you can tell Amex to cancel all your credit cards
If you need emergency evacuation, Amex will arrange everything

Note that Amex may be able to cover your emergency expenses and transportation if you’re in an area with sub-par treatment.

Plus, if you’re in the trenches of your trip planning, they can help you iron out the tedious details. They’ll help you understand travel etiquette in the country you’re visiting, if there are any shots that are required/recommended, and tell you if you need any special visas for your trip.

There are plenty of other things they can do, too. Their number is 1-800-345-2639.

FAQ: Things to consider with trip protection benefits

Because travel coverage is not the same across all cards, you’ll want to use the card that is best for your personal situation. Here are a few things that might factor into which card you use to pay for travel.

Will your airline elite status help if there’s a flight delay or cancellation?

Having airline elite status comes with perks that can help if you pay with a card like the Amex Platinum, which doesn’t have trip delay or cancellation insurance.

For example, some airlines offer passengers with elite status free same-day standby flights, so if your flight is delayed, you could switch to another flight without having to worry about filing a claim for a trip delay.

Similarly, if your flight is canceled, having elite status might give you a higher priority to get a seat on the next available flight. But consider if you’re traveling to a remote destination or region with unpredictable weather that it’s wise to pay with best travel insurance credit cards . If all flights are delayed or canceled, you could end up paying out of pocket for hotel rooms and necessary expenses. Having a card that gets you reimbursed is a great benefit.

Did you book an expensive cruise or tour?

Having trip interruption or cancellation insurance from a credit card can come in handy should you have to cancel an expensive trip for an eligible reason. For example, let’s say you pay for a family cruise to Alaska, but are unable to go due to a last-minute illness. If you paid with the Amex Platinum, it’s possible to get a refund for your trip up to a certain limit.

I recommend reading the terms and conditions of your card’s trip protection benefits before paying for a vacation. It’s important to know who is covered, the claims process, and the reasons you’re eligible to get a refund.

Do you have third-party travel insurance?

Many purchase travel insurance through a third-party company to cover trip delays, cancellations, and other unforeseen events. You can often bundle these coverages with a supplemental medical travel policy, which can be helpful if you’re traveling outside the U.S.

There are great resources on the web to research travel insurance policies . Keep in mind, travel insurance plans and coverage amounts can differ widely — but purchasing a third-party plan can be helpful for folks who don’t pay for a trip with a card that comes with these benefits.

Bottom line

When you pay for a trip with Amex Platinum, you’ll receive trip delay insurance, as well as trip cancellation and interruption. These insurances make the card even more enticing to use for your travel, as you’ll earn 5x Amex Membership Rewards points on airfare purchased directly from airlines or from Amex Travel . Read our post on the best ways to use Amex points to see why that’s such a big deal.

This isn’t even counting the other great perks that come with the card, like Amex purchase protection and a gigantic welcome bonus worth potentially thousands in travel. Line this card’s virtues against the wall and it’s easy to see why the American Express Platinu m card is worth it .

Have you used any of the Amex Platinum travel insurance? I’d love to hear about your experience in the comments. And subscribe to our newsletter for more credit card travel techniques.

For rates and fees of the Amex Platinum, click here.

Joseph Hostetler

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals. He has also authored and edited for The Points Guy.

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Amex Gold vs. Platinum

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Julie Sherrier

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

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Published 6:16 a.m. UTC April 15, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

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The American Express® Gold Card (terms apply, rates & fees ) and The Platinum Card® from American Express (terms apply, rates & fees ) are two popular rewards cards offered by American Express. Both cards can have a place in your wallet, but should be used in different ways. The Platinum Card earns more points per dollar on flights booked directly with the airline or American Express Travel and prepaid hotel stays booked via American Express Travel than the Gold Card, but the Gold Card earns more at restaurants and U.S. supermarkets, so you’ll want to strategize where you spend with each card.

The Platinum Card offers over $1,500 worth of annual statement credits that can easily offset its high annual fee. There are also numerous benefits across travel, dining and entertainment. Plus, cardholders gain access to the Global Lounge Collection (including Centurion, Delta Sky Club, Lufthansa, Plaza Premium and Priority Pass Select airport lounges), which can significantly enhance your travel experience. Similarly, the Platinum Card will be the best bet for someone looking for comprehensive travel protections and insurance. Enrollment is required for select benefits.

However, if you can’t justify the $695 annual fee on Amex Platinum card and still want a card that offers some travel protections and statement credits, you can go with the Gold Card. Let’s take a deep dive into the most significant differences with the Amex Gold vs. Amex Platinum cards.

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The Platinum Card® from American Express

Welcome Bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

Over $1,500 in travel and entertainment credits can offset the annual fee.
Comprehensive lounge access benefit.
Generous travel and purchase protections.
High annual fee and spending requirements.
Amex’s once-per-lifetime rule limits welcome bonus eligibility.
Annual statement credits have limited use.

Card Details

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.

Amex Gold vs. Amex Platinum

Earning rewards.

The Amex Gold Card earns 4 Membership Rewards points per $1 at restaurants, plus takeout and delivery in the U.S., 4 points per $1 at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point), 3 points per $1 on flights booked directly with airlines or through American Express travel and 1 point per $1 on other eligible purchases.

If you have the Platinum Card, you can earn 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.

Winner for rewards: Tie

Redeeming rewards

With both cards, you can redeem your Membership® Rewards points when shopping at Amazon.com and other popular brands, for Airbnb gift cards, as a credit to cover a charge made on your card, as a deposit into an American Express® Rewards Checking account, for travel on American Express Travel, or transfer your points to several different travel partners. The exact value of a point will vary depending on your redemption method.

Winner for reward redemption: Tie

Transfer partners

American Express has 11 airline partners and three hotel partners. You can transfer your Membership Rewards at a 1:1 ratio to Asia Miles, British Airways Executive Club, Delta SkyMiles, Emirates Skywards, Etihad Guest, Flying Blue, Iberia Plus, Qantas Frequent Flyer, SAS EuroBonus and Virgin Atlantic Flying Club.

The following transfer partners have a different transfer ratio:

Singapore KrisFlyer: 3 Membership Rewards points = 2 KrisFlyer mile
Marriott Bonvoy: 2 Membership Rewards points = 3 Marriott points
Hilton Honors: 1 Membership Rewards point = 2 Hilton Honors points
Radisson Rewards: 1 Membership Rewards point = 3 points

Note that some partners have a minimum transfer amount, and the transfer time can vary from one business day to 15 business days. Transferring your points is typically the best way to maximize your redemption value. Consider the transfer partners before applying for either card to see if you regularly fly with these airlines or stay at these hotels.

Winner for transfer partners: Tie

Welcome offers

The Amex Gold Card currently offers 60,000 Membership Rewards points after spending $6,000 on eligible purchases in the first six months of card membership.

The Platinum Card offers 80,000 Membership Rewards Points after spending $8,000 on purchases in the first six months of card membership.

As long as you can reach the spending threshold, either amount of points can undoubtedly take you places.

Winner for welcome offer: The Platinum Card

Travel benefits

The amex gold card.

When you book a two-night minimum stay with The Hotel Collection through American Express Travel, you can receive a $100 experience credit to use during your stay. The Gold Card also offers a baggage insurance plan and car rental loss and damage insurance as secondary coverage. Note that the baggage insurance plan only covers lost luggage, not delayed.

The Platinum Card

The Platinum Card outshines the Amex Gold Card in terms of travel benefits. First, you can receive up to $200 as a statement credit each calendar year on select prepaid hotel bookings through American Express Travel. Plus, you receive complimentary room upgrades and a $100 experience credit for select activities during your stay.

When flying, cardholders can access the American Express Global Lounge Collection, which includes over 1,400 lounges in 140 countries. These are high-end lounges, like the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select (enrollment required).

One of the other travel benefits of the Platinum Card is the airline fee statement credit, which allows you to select one qualifying airline and receive up to $200 in statement credits per calendar year when you are charged incidental fees.

Cardholders can also quickly make it through the airport with a $189 CLEAR ® Plus credit each calendar year and an enrollment fee statement credit for Global Entry or TSA PreCheck (up to $100). Platinum cardholders receive Marriott Bonvoy Gold Elite Status, Hilton Honors Gold Status and premium status with popular car rental companies Avis, Hertz and National. Enrollment is required for select benefits.

In terms of insurance coverage, the Platinum Card includes secondary car rental loss and damage insurance², trip delay insurance⁴ and trip cancellation and interruption insurance⁴. You’ll also have access to the Platinum Travel Service to help plan your trips.

Winner for travel benefits: The Platinum Card

Dining and entertainment rewards

The Amex Gold Card offers up to $10 in monthly statement credits for purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations, up to $120 per calendar year (enrollment required). Cardholders also receive $10 in Uber Cash each month, up to another $120 annually (card must be added to Uber account to receive this benefit). Taking full advantage of these statement credits almost entirely covers the card’s annual fee.

The Platinum Card offers numerous dining and entertainment benefits that can provide substantial value. Cardholders can receive up to a $20 monthly statement credit for eligible purchases from the following digital entertainment providers: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Similarly, cardholders receive $15 in Uber Cash each month, plus a bonus $20 in December, for rides or UberEats orders in the U.S. Cardholders also have exclusive access to reservations on Resy. Enrollment is required for select benefits.

Winner for dining and entertainment rewards: Tie

Shopping perks

You’ll get access to Amex Offers with both the Amex Gold and Platinum Card.

In addition, the Amex Gold offers purchase protection¹ and extended warranty coverage¹, which can be very useful coverages, but doesn’t offer much else in terms of shopping perks.

The Platinum Card offers purchase protection and extended warranty coverage¹, as well as cellphone protection⁴ and return protection. It also comes with a slew of other shopping benefits such as a $155 Walmart credit to cover the cost of a Walmart+ membership (subject to auto-renewal), plus up to $100 in statement credits annually for purchases made at Saks Fifth Avenue (up to $50 in statement credits semi-annually). Cardholders also receive up to $300 in statement credits each year for an Equinox+ digital subscription or Equinox club membership (subject to auto-renewal), as well as a $300 statement credit towards the purchase of a SoulCycle at-home bike. (An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Cardholder must charge the full price of the bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment required).

Winner for shopping perks: The Platinum Card

There’s a noticeable difference in the annual fees for these cards. The Amex Gold Card has an annual fee of $250, while the Platinum Card will cost you $695 each year. That’s more than double the cost just to hold the card.

You can easily offset the annual fee of either card by making the most of available statement credits and cardholder perks.

Additional cardholders on the Amex Gold are complimentary up to 5 authorized users, then $35 for additional cardholders, while every authorized user you add to the Platinum Card will cost $195.

Neither card charges foreign transaction fees.

Winner for fees: Amex Gold Card

Who should choose Amex Gold?

The Amex Gold Card may be a good fit for you if:

You are looking for a mid-tier rewards card and want to avoid a high annual fee.
You regularly ride with Uber or order UberEats and dine at eligible restaurants for the dining credit and can utilize the annual statement credits.
You spend big on restaurants, groceries at U.S. supermarkets and travel-related expenses so you’ll benefit from the high earning rates in these categories.

American Express® Gold Card

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Up to $240 in combined credits for Uber Cash and on select dining.
High rewards rate on restaurants, U.S. supermarkets, and travel.
Generous welcome bonus.
$250 annual fee.
Minimal travel perks.
Complex rewards structure.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.

Who should choose Amex Platinum?

The Platinum Card could be the best choice for you if:

You will actually use all of the annual statement credits — if you take the time to enroll and maximize your credits, you can get more than $1,500 in value from credits alone.
You regularly book flights, hotels and car rentals and would benefit from high rewards rates in these categories.
You’re a regular guest at Marriott, Hilton or other luxury properties where you’ll receive status and other benefits.

Which card should you get?

Both the Amex Gold and Platinum cards are fantastic options for frequent travelers and they’re two of the most popular reward cards for different reasons. One isn’t automatically better than the other for everyone. To pick the right one for you, consider the cards you currently have in your wallet. Look for potential gaps in your points and miles strategy to see which card makes more sense.

You should also analyze your monthly spending and your travel and financial goals. While the Platinum Card offers many more benefits than the Amex Gold Card, it also comes with more than double the annual fee. While long lists of perks can be very enticing, it’s essential to make sure you’ll actually use them in order to offset the higher cost.

Of course, you don’t have to choose between them. These cards also pair very well together to deliver the best of both worlds. Plus, you can combine points earned from each card.

Frequently asked questions (FAQs)

One card is not better than the other. The best card for you will depend on your spending habits and travel needs. While the Gold Card offers bonus categories for restaurants and groceries at U.S. supermarkets, the Platinum Card is more travel-focused and offers more annual statement credits for a much higher annual fee.

No, the Amex Gold Card does not provide any lounge access.

American Express will consider many factors when reviewing your application. However, you should have a good to excellent credit score to improve your chances of getting approved. On the FICO model, this is a credit score of 670 or more.

The Amex Gold Card does not have a preset spending limit , nor does the Platinum. This means the amount you can spend will adapt based on multiple factors, like your purchase, payment and credit history.

Whether the $695 annual fee for the Amex Platinum is worth it will depend on your spending habits. If you can take advantage of the statement credits, you can likely wholly offset the annual fee. However, you might be better off with a different card if you don’t purchase many flights and hotel stays throughout the year.

For rates and fees for the American Express® Gold Card please visit this page .

For rates and fees for The Platinum Card® from American Express please visit this page .

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

²Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

³Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

⁴Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Harrison Pierce is a freelance writer and digital nomad that is passionate about all things personal finance and travel. While traveling full-time, he refined his love for writing and now enjoys working with various brands to tell stories and create meaningful content.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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What Credit Score Do You Need for the Amex Platinum? Find Out If You Can Qualify For This Premium Rewards Card

Kevin Payne

Contributor

Kevin is a freelance contributor to Newsweek’s personal finance team. As a content creator and podcast host passionate about helping families, Kevin has created content on a range of topics, from budgeting and money management to credit cards and travel rewards. Kevin is based in Cleveland, Ohio, with his wife and four kids.

Ashley Parks

Associate Editor

Ashley is an associate editor at Newsweek, with expertise in consumer lending. She is passionate about producing the most accessible personal finance content for all readers. Prior to Newsweek, Ashley spent almost three years at Bankrate as an editor covering credit cards, specializing in transactional content along with subprime and student credit.

To learn more about Ashley and her work, you can visit her personal website at ashleyparks.com.

Updated April 12, 2024 at 4:49 pm

Young woman shopping with credit card and laptop computer

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Platinum Card® from American Express is among the most coveted travel rewards credit cards today. Despite its lofty $695 annual price tag ( see rates and fees ), the premium rewards card delivers when it comes to card benefits, perks and valuable credits.

With a luxury credit card like Amex Platinum comes potentially higher credit score requirements than you may find with other credit cards. While card issuers don’t typically publicly disclose credit requirements, you’re recommended to have at least good credit for the Amex Platinum Card, along with meeting the card issuer’s other requirements.

Understanding the value of cash back is simple, but valuing airline miles or points redeemable for travel requires digging a bit deeper. At Newsweek, we’ve developed a common language to talk about the value of points and miles: our valuations.

Our valuations translate points into dollars and cents in a way that reflects reality. They are based on actual data across a balance of accessible redemption options, not just the aspirational first and business class redemptions that require a PhD in miles and points to book. The upshot is that our valuations help you understand the actual value you can easily get from your miles and points.

Vault’s Viewpoint

The American Express Platinum is generally available to qualified applicants with a good to excellent credit score.
A good credit score is considered a FICO score of 670 or higher.
American Express considers other factors besides credit scores when approving credit card applications.

More about the American Express Platinum

Few credit cards offer such a wide array of luxury benefits as The Platinum Card® from American Express . Here’s a look at the benefits and perks that are included with Amex Platinum.

Airport lounge access: Platinum Cardholders have access to the American Express Global Lounge Collection, one of the most extensive airport lounge programs available today.
Uber Cash: When you add your Platinum card to your Uber account, you can receive up to $15 in Uber Cash each month plus a bonus of $20 in December (for $200 Uber Cash total).
CLEAR® Plus credit: You can receive up to $189 in statement credits each calendar year when you use your Amex Platinum card to pay for an annual CLEAR membership.
Hotel credit: Receive up to $200 in statement credits when you book a select prepaid hotel stay with Amex Fine Hotels + Resorts or a qualifying stay with The Hotel Collection through American Express Travel using your Platinum Card
Airline fee credit: Platinum cardholders receive up to $200 in statement credits each calendar year when incidental fees with one qualifying airline are charged to their Amex Platinum card.
Digital entertainment credit: Receive up to $20 each month in digital statement credits on eligible purchases at participating partners, up to $240 in savings each calendar year.
Equinox credit: The card comes with up to $300 in statement credits annually for cardholders who use their card to pay for an eligible Equinox membership.
Saks Fifth Avenue credit: The card comes with up to $50 in Saks Fifth Avenue statement credits semi-annually for purchases at Saks Fifth Avenue or saks.com when using your Platinum card.
Walmart+ credit: Enroll in a monthly Walmart+ membership with your Platinum card and enjoy $12.95 (plus applicable taxes) in statement credits each month that covers the full cost.
Global Entry or TSA PreCheck credit: Amex Platinum comes with up to an $85 statement credit for TSA Precheck application fee every 4.5 years or $100 statement credit when you apply for Global Entry every four years and pay with your card.
Car rental privileges: With enrollment, the card features complimentary status in car rental programs with Avis, Hertz and National.
Hotel elite status: Amex Platinum comes with complimentary Hilton Honors Gold status and Marriott Bonvoy Gold Elite status (enrollment required).
Travel protections: As a premium travel rewards card, Amex Platinum comes with several travel promotions, including car rental loss and damage insurance*, trip cancellation and interruption insurance*, trip delay insurance* and Premium Global Assist Hotline*.
Consumer protections: Amex Platinum also comes with several consumer protections, including return protection*, purchase protection* and extended warranty* coverage.

Some cardholders may find using some of the credits challenging. Still, you’ll have more than enough opportunities to offset the Platinum card’s $695 fee through annual credits alone before factoring in its reward potential and other Amex Platinum benefits .

Credit Score Needed for the Amex Platinum

Credit card issuers, including American Express, typically do not publicly share the requirements consumers must meet to qualify for their credit cards, including credit scores. As one of the top travel rewards cards, it’s recommended that you have good to excellent credit when applying for the Amex Platinum card.

Like most major credit card issuers, American Express relies on FICO credit scores and other factors to determine eligibility. FICO credit scores fall into five score ranges.

Poor: 580 or below
Fair: 580 to 669
Good: 670 to 739
Very Good: 740 to 799
Exceptional: 800 or higher

A good credit score is any FICO score of 670 or higher. Credit scores play a pivotal role in approval for credit cards but are just one factor considered by credit card companies during the approval process. Card issuers consider other factors when determining eligibility. When you apply for the Platinum card, American Express also may look at details like your credit profile, payment history, income, housing costs, debt-to-income ratio and existing credit accounts.

It’s always a good idea to check your credit score before applying for a credit card, especially a premium rewards card like Amex Platinum. American Express performs a hard credit inquiry after you’ve been approved and accepted a credit card offer. Hard credit inquiries can cause your credit score to drop up to several points in some cases. Understanding your credit score can give you an indication of whether you may qualify for the card.

What If You Don’t Qualify for It?

If American Express doesn’t approve your application for the Platinum card, all is not lost. You can try to improve your credit profile over time and apply again later or you can choose to apply for another top rewards credit card with lower credit score requirements. The Equal Credit Opportunity Act requires American Express and other card issuers to provide an opportunity to learn the reasons your application was rejected. Use that information to improve your chances of getting approved next time.

You can take steps to improve your credit score, which could increase your approval odds. Here are some tips for building up your credit profile before you apply for your next credit card.

Pay your bills on time: Payment history is the largest factor in assigning credit scores, accounting for 35% of your FICO credit score.
Pay down debt: Lowering your credit card and other credit balances can help boost your credit score. The amount of debt you carry contributes to 30% of your FICO credit score.
Avoid new debt: Credit utilization refers to the percentage of available credit that you use. Experts suggest keeping your credit utilization below 30% or even lower for a greater impact on your credit.

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Frequently Asked Questions

Does the amex platinum have to be paid off every month.

The Platinum Card allows you to carry a balance for certain charges, but not all. Qualifying Platinum cardholders can finance eligible purchases through Amex’s Pay Over Time feature with interest charges when they don’t pay their balance in full each month.

What is The Credit Limit for Amex Platinum?

The American Express Platinum card has no preset spending limit, meaning your spending limit is flexible. Amex adjusts your spending limit based on purchases, payments, credit history and other factors.

How Do I Get My Amex Platinum Fee Waived?

The Platinum Card® from American Express Exclusively for Charles Schwab and The Platinum Card® From American Express Exclusively For Morgan Stanley both offer annual statement credits for maintaining sizable investment holding balances, which can help offset the $695 annual fee. To apply, you must be an existing customer of the brokerage firm with an eligible account.

All information about The Platinum Card® from American Express Exclusively for Charles Schwab has been collected independently by Newsweek.com. The Platinum Card® from American Express Exclusively for Charles Schwab is no longer available through Newsweek.com.

All information about The Platinum Card® from American Express Exclusively for Morgan Stanley has been collected independently by Newsweek.com. The Platinum Card® from American Express Exclusively for Morgan Stanley is no longer available through Newsweek.com.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. We may earn a commission from partner links on Newsweek, but commissions do not affect our editors’ opinions or evaluations.

Best credit cards for airport lounge access in April 2024

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.

Stepping into an airport lounge from the chaotic main terminal can feel like stepping onto dry land from a whitewater raft. It evokes a feeling of peace, tranquility and “phew – we made it.”

As a result, airport lounge access is one of the most enviable perks you can get with a travel rewards credit card. But which cards still offer it in 2024, and from that list, which are still worth getting?

The best cards for airport lounge access in April 2024

Best overall: capital one venture x rewards credit card, best for extensive lounge access: the platinum card® from american express, best for affordable lounge access: u.s. bank altitude® connect visa signature® card, best for delta: delta skymiles® reserve american express card, best for united: united club℠ infinite card, best for american airlines: citi® / aadvantage® executive world elite mastercard®.

The Capital One Venture X Rewards Credit Card offers unlimited complimentary access for you and two guests to a wide lounge network comprising Capital One Lounges, Priority Pass and Plaza Premium Group. Plus, its $395 annual fee is easy to recoup on account of the $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.

Capital One Venture X Rewards Credit Card

Intro bonus.

Rewards Rates

10X 10x miles on hotels and rental cars booked through Capital One Travel
5X 5x miles on flights booked through Capital One Travel
2X 2x miles on everyday purchases
Annual $300 travel credit and 10,000 Miles upon card anniversary make up for the annual fee
Airport lounge access
Capital One Miles require effort to maximize
Limited cash redemption options

Other benefits

Travel protections including car rental insurance, trip cancellation/interruption and travel delay protection
Consumer protections including extended warranty and return protection

Why we like this card: We like how the Capital One Venture X comes with a hefty 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening, unlimited complimentary access for you and two guests to 1,300+ airport lounges, including Capital One Lounges and our Partner Lounge Network, and 10x miles on hotels and rental cars booked through Capital One Travel.

The $395 annual fee may seem steep, but it’s actually a relative bargain among premium travel cards offering unlimited lounge access. Plus, you’ll earn $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary–a combined $400 in travel value–which instantly covers your fee for the year.

The cherry on top is up to $100 credit for Global Entry or TSA PreCheck®, so you can scoot through security and get to the lounge a little faster. All things considered, the Capital One Venture X Rewards Credit Card is the airport lounge card to beat.

The Platinum Card® from American Express claims to have the widest lounge access of any card on the market, with access to well over 1,500 lounge locations in over 140 countries. Combine that with a list of travel-centric benefits longer than a CVS receipt, and it’s an easy pick for this list.

The Platinum Card® from American Express

See Rates and Fees

Reward Rates

5X Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
5X Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel
1X Earn 1x points on all other eligible purchases
Packed with valuable potential credits for digital entertainment, Equinox gym, Walmart+ membership, and more.
Airport lounge access with a larger network than any other card
Membership Rewards are valuable due to their flexibility.
The multiple potential credits can be cumbersome to track.
Sky-high annual fee
Some of the perks can be hard to use if they don’t align with your lifestyle.
Travel benefits including hotel and car rental chain statuses, car rental insurance, trip cancellation/interruption and travel delay protection

Why we like this card: Like a fully-loaded Mercedes S-Class, The Platinum Card® from American Express comes with an eye-watering price tag but an expansive list of benefits to justify it.

Naturally, one of those benefits is airport lounge access. You’ll have access to Amex’s Global Lounge Collection, which includes the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select. That’s 1,500+ lounges in total, meaning an Amex Platinum is the closest we have to an airport lounge master key.

You’ll also get up to $189 back per year on a CLEAR® Plus membership (subject to auto-renewal) when you use your Platinum Card®, up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your card, up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (enrollment required), up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card® (minimum 2-night stay required) and a welcome bonus of at least 80,000 Membership Rewards® Points after spending $8,000 on purchases on the Card in your first 6 months of card membership, so there are plenty of ways to extract value from your “Plat” outside of an airport lounge.

To view rates and fees of the The Platinum Card® from American Express , see this page

Amex Centurion Lounge Atlanta review Best travel credit cards

The U.S. Bank Altitude® Connect VISA Signature® Card card includes four free visits to over 1,500 Priority Pass locations worldwide, a $100 TSA PreCheck/Global Entry credit and a $500 welcome bonus–all for a modest annual fee of $95, which is waived for the first year.

U.S. Bank Altitude Connect

5x 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
4x 4X points on travel, at gas stations and EV charging stations
2x 2X points at grocery stores, grocery delivery, dining and streaming services
1x 1X on all other purchases
High earnings on travel
No annual fee the first year
4 Priority Pass lounge visits per year
Points not transferable to travel partners
Additional perks: Cell phone protection, Trip cancellation/interruption, TSA/Global Entry fee rebate
Foreign transaction fee: None

Why we like this card: As an affordable travel rewards card, U.S. Bank’s Altitude Connect card is a worthy rival to the reigning Chase Sapphire Preferred ® Card . Unlike the “CSP,” the U.S. Bank Altitude® Connect VISA Signature® Card includes complimentary Priority Pass Select membership with four airport lounge passes, a $100 credit towards TSA PreCheck or Global Entry and up to 4X on travel purchases.

The card also waives its $95 annual fee for the first year and offers a hefty welcome bonus of 50,000 bonus points after spending $2,000 in the first 120 days worth $500 towards travel and more. In short, it’s positively packed with value for travelers, and if you’re not sure whether you’ll even visit a lounge more than four times this year, it’s a logical choice.

The Delta SkyMiles® Reserve American Express Card offers Delta fans a truly elevated experience, with 15 visits to the Delta Sky Club per year, four guest passes, free checked bags, an Annual Companion Certificate, upgrade priority and more. It doesn’t include automatic Medallion status, but offers plenty of ways to to get there faster (e.g. MQD Headstart).

Delta SkyMiles® Reserve American Express Card

Intro bonus.

3x Earn 3X Miles on Delta purchases
1x Earn 1X Mile on all other eligible purchases.
Premium benefits for Delta flyers, like first checked bag free and access to the Delta Sky Club
Companion certificate good for a round trip domestic Main Cabin, Comfort+ or First Class flight each year upon renewal of your card
Access to Centurion Lounge network
High annual fee
Access to Delta Sky Club limited to 15 passes a year after February 2025
Base earnings rate is low compared to other cards
15% discount on Delta award flights
Travel protections including accident insurance, rental car coverage, trip cancellation and delay insurance
Consumer protections including cell phone insurance, extended warranty, purchase and return protection

Why we like this card: Though it charges a heart-stopping $650 annual fee, the Delta SkyMiles® Reserve American Express Card does include a 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership to help cover your first two years with the card. You’ll also get 3X Miles on Delta purchases, 15% off award travel, a free first checked bag, a $240 Resy Credit, $200 Delta Stays statement credit and more to make the card’s high fee more palatable.

In terms of lounge access, the Delta SkyMiles® Reserve American Express Card includes 15 visits to the Delta Sky Club per year. That’s objectively pretty stingy considering there are cheaper cards on the market offering unlimited access to a larger network for both you and multiple guests. Still, if you’re a solo Delta traveler, 15 visits to the Delta Sky Club per year may be all you need.

The United Club℠ Infinite Card may charge $525 per year, but it covers a United Club membership–which alone retails for $650–and includes a litany of other travel-friendly benefits like Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

United Club℠ Infinite Card

4x 4 miles per $1 spent on United® purchases
2x 2 miles per $1 spent on all other travel and dining
1x 1 mile per $1 spent on all other purchases
United Club lounge membership
Valuable welcome bonus
Path to earn elite airline status by card spend
Mostly useful if you want lounge access
Additional perks: Primary rental car coverage, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement

Why we like this card: If you and your travel companion frequently fly United, check multiple bags each and relish the thought of decompressing in the United Club lounge, the United Club℠ Infinite Card might deserve a place in your wallet.

That’s because the card’s marquis feature is a $650 United Club membership, granting unlimited access for you and your travel companions. You’ll also get Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases, 25% back on food/beverage/Wi-Fi purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Once the welcome bonus dries up it can be hard to continue justifying the United Club℠ Infinite Card‘s $525 annual fee–especially since you can only take advantage of the card’s best benefits while traveling with United. The lack of Polaris Lounge access is a bummer, too. But if you’re a hardcore brand loyalist who doesn’t travel light, the United Club℠ Infinite Card could still be a worthy travel companion.

With complimentary Admirals Club membership (valued up to $850), up to nine free checked bags per trip and an “enhanced airport experience,” the Citi® / AAdvantage® Executive World Elite Mastercard® rolls out the figurative red carpet for AA frequent flyers.

Citi® / AAdvantage® Executive World Elite Mastercard®

10x Earn 10X AAdvantage miles on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
4x 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases (5X after you spend $15,000 on airfare)
1x 1x AAdvantage miles on all other purchases
Earns AAdvantage miles, which are not easily accessible outside of co-branded AAdvantage credit cards.
Every dollar spent earns one Loyalty Point toward elite status.
Includes Admirals Club lounge membership, valued at up to $850.
High spending requirement for earning the 70,000-mile welcome bonus
No category bonuses outside of American Airlines spending.
Travel perks: AAdvantage club membership, checked bag benefit, trip cancellation and interruption protection
Credits: Up to $120 annual credit to Avis or Budget rental cars, Up to $10 monthly credits to Lyft and Grubhub

Why we like this card: If you’re ready to pledge fealty to American Airlines via a $595 rewards card, you’ll be receiving plenty of perks and value in return from the Citi® / AAdvantage® Executive World Elite Mastercard®. For starters, you’ll get a complimentary Admirals Club membership and free first checked bags for you and up to eight travel companions–saving up to $720 per round trip.

You’ll also get 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening, 25% savings on inflight purchases of food and beverages on flights and 10X AAdvantage® miles on hotels booked through aa.com/hotels. But perhaps most intriguingly, the card unlocks an “enhanced airport experience” with priority check-in, screening and boarding when flying with AA.

Just keep in mind that Admirals Club membership only includes access to 50ish Admirals Clubs and 60ish partner lounge locations total, so you may want to confirm that there’s one in your home airport before committing.

Frequently asked questions

Which card is best for airport lounge access.

The Platinum Card® from American Express has the most expansive lounge access, with unlimited visits to locations within the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select.

However, we think the Capital One Venture X Rewards Credit Card offers better value, with access to Capital One Lounges, Priority Pass and Plaza Premium Group locations for a $395 annual fee ($300 less than the Platinum). If you are looking for a lower price tag, check out our article about the best cards for cheap airport lounge access .

Are lounge access cards worth it?

A rewards card with airport lounge access could be worth it if you fly several times a year, value having a secluded place to work, and relax and plan to take advantage of the card’s other benefits.

Some say that the most underrated perk of airport lounges is having access to a dedicated airline representative inside. That way, you can skip the long customer service line outside if something goes wrong with your travel plans.

How do I know if my credit card has lounge access?

Check your card benefits, which can usually be found online following a quick search. While you’re there, check to see if any of the included lounge networks require you to register your membership in advance–that way, you can save time and hassle at the airport.

Methodology

Fortune Recommends surveyed all the cards still offering airport lounge access in 2024 and handpicked the very best. In evaluating cards that offer airport lounge access, we compared the annual fees to the amount of lounge access provided. From the card granting access to the most locations worldwide to another charging a mere $95 annual fee ($0 for the first year), we found the best credit cards for airport lounge access in 2024.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to airline credit cards

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Amex Gold Card

Full List of Travel Insurance Benefits for the Amex Gold Card [2023]

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Full List of Travel Insurance Benefits for the Amex Gold Card [2023]

Why We Like the Card Overall

Car rental loss and damage insurance, trip delay insurance, baggage insurance plan, travel accident insurance, emergency travel assistance, no foreign transaction fees, additional travel benefits, final thoughts.

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The American Express ® Gold Card is known for being a go-to card for everyday purchases at restaurants and at U.S. supermarkets. The card also doubles as a travel rewards card offering elevated earnings on select flight purchases and a nice selection of flexible travel redemption options.

The card is far less known for its travel insurance benefits. Today, we’re turning the spotlight on some of the useful travel insurance benefits that come with the card and talking about how these benefits can add value to the cardholder.

First, let’s look at the overall earning and redemption features of the Amex Gold card, then jump right into the list of travel insurance benefits you can expect to find on the card.

Amex Gold Card — Snapshot

American Express ® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

4x points per dollar at restaurants, plus takeout and delivery in the U.S.
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per dollar on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com , Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash : get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
No foreign transaction fees (see rates and fees )
Access to Amex’s The Hotel Collection
Access to American Express transfer partners
$250 annual fee (see rates and fees )
No lounge access
Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

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Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

We like that you can jumpstart your earnings with a generous welcome bonus after meeting minimum spending requirements in the first 6 months after card approval.

The Amex Gold card also strikes a nice balance between functioning as an everyday spending card and offering accelerated earnings on flights. It also offers flexible travel redemption options.

You’ll earn 4x Membership Rewards points at restaurants worldwide and at U.S. supermarkets (on up to $25,000 in purchases each year). Plus, you’ll receive 3x earnings on flights purchased directly with the airline and via AmexTravel.com .

With monthly statement credits for select purchases, it’s easy to find enough value to offset the annual fee.

When it’s time to use your rewards, you’ll have options such as redeeming points for flights via AmexTravel.com or transferring your points to the American Express transfer partners for even more potential value.

Amex Gold Card — Travel Insurance Benefits

While the Amex Gold card doesn’t come with a long list of comprehensive travel benefits, you’ll find these core travel insurance benefits useful for saving money and for access to assistance should something go wrong during your journey.

Having car rental insurance can save you money and provide a level of peace of mind when renting a vehicle . The Amex Gold card comes with secondary car rental insurance that would require you to first file a claim with any other applicable insurance before card coverage kicks in.

Secondary coverage can still be valuable coverage, but there is another car rental coverage option included on the card that is a much better choice.

Premium Protection

The option to purchase Premium Protection car rental insurance on the Amex Gold card is a game changer.

You’ll pay one low price of $12.25 to $24.95 for the entire period, up to 42 total days, for primary theft and damage coverage. The actual rate will depend on your state of residence and the level of coverage chosen. Note that this is not a per-day rate like the car rental agencies charge.

Just enroll in the coverage via your online card account, then whenever you charge your rental car to your card, you’ll have the coverage automatically. You are not charged prior to renting a car.

There is no deductible. Accidental death/dismemberment coverage is included. Liability coverage, uninsured/under-insured motorist coverage, or disability coverage is not included.

Cardholders and authorized listed drivers are covered.

Applicable coverages for both secondary and Premium Protection include rental car damage, theft, and loss of use.

Coverage is not available when renting vehicles in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.

There are several additional exclusions, including the theft of an unlocked vehicle, illegal activity, intoxication of the driver, and war. Access the Guide to Benefits for a complete list of exclusions, terms, and conditions.

Filing a Claim

You can file a claim online or call 800-338-1670. You must file the claim within 30 days of the event and submit the required claim form within an additional 15 days. You’ll then have 60 days to submit the required documentation.

Bottom Line: The Amex Gold card comes with secondary car rental insurance with the option to purchase primary Premium Protection for one low rate that covers the entire rental period.

To be eligible for trip delay insurance, you must pay for your entire trip with your Amex Gold card, associated rewards, or a combination of the 2. Using airline vouchers, certificates, or discounts, such as those associated with your frequent flyer account, in combination with your card, are also acceptable. Eligible travelers include family members, travel companions, and a spouse or domestic partner.

Trip delay insurance reimburses an eligible traveler for incidental expenses incurred after a 12-hour or greater trip delay. Eligible expenses can include lodging, meals, toiletries, medication, and necessary personal items.

Eligible Losses and Coverage Limits

The following types of losses are eligible covered losses :

Inclement weather preventing a traveler from beginning a trip or continuing on a trip
Terrorism or hijacking
A common carrier’s equipment failure (documented)
Lost/stolen travel documents, such as passports

You could receive up to $300 per trip with a limit of 2 claims per card, per 12-month period. Coverage is secondary to any other applicable coverage including reimbursement by the airline.

Loss exclusions include prepaid expenses, losses that were known to the public or the traveler prior to the trip, and intentional acts by the covered traveler. Access the card’s Guide to Benefits for more details on loss exclusions under trip delay coverage.

You’ll have 60 days from the date of the loss to file a claim. You can do so by calling 844-933-0648 or the number on the back of your card to be directed to the claims department.

You’ll then have 180 days to submit the required documentation, which can include a statement from the common carrier validating the delay, receipts, your card statement showing the trip charge, and other requested supporting information.

Bottom Line: The Amex Gold card comes with trip delay insurance that provides up to $300 per trip for eligible expenses incurred after a 12-hour or greater delay due to a covered loss.

To be eligible for baggage insurance, pay for your common carrier ticket entirely with your Amex Gold card and/or associated rewards. Trips paid for, in full or in part, with non-American Express rewards such as airline loyalty programs are not eligible.

You, your spouse or domestic partner, children under 23, and certain dependent handicapped children are covered for baggage insurance as long as the trip is paid for in full with your card and/or associated rewards.

Lost, damaged, or stolen baggage is covered, except in the event of war, government confiscation, or acts arising out of customer actions, for the following coverage limits.

High-risk items such as jewelry, gold, silver, platinum, electronics, furs, and sporting equipment, are limited to $250 per item maximum, per trip.

Certain items are not covered under baggage insurance — here is a condensed list of those items:

Credit cards, cash, securities, or money equivalents (such as money orders or gift cards)
Travel documents, tickets, passports, or visas
Plants, animals, or food
Glasses, contact lenses, hearing aids, prosthetic devices, and prescription or non-prescription drugs
Property shipped prior to departure

You’ll have 30 days from the date of the loss to file a claim. To file a claim, you can go online or call 800-228-6855 within the U.S. To call from outside of the U.S., call 303-273-6498 collect.

You’ll then have 60 days to submit supporting documentation including a list of items lost, receipts, a statement showing the trip was purchased with the card or associated rewards, and common carrier reports.

Please note that we have abbreviated coverage descriptions and all terms and conditions are not spelled out in their entirety. You’ll want to access the benefits guide for full information.

Bottom Line: You and certain family members are covered for baggage insurance of up to $1,250 per person when traveling with a common carrier. You’ll need to pay for your entire trip with your card or rewards associated with your card for coverage to be valid.

Travel accident insurance that comes with the Amex Gold card pays a benefit in the unlikely event of accidental death or dismemberment of the primary card member, additional card member, spouse or domestic partner, or children under the age of 23.

The trip must be paid for with the Amex Gold card and/or associated Membership Rewards points (Pay With Points).

The coverage pays a benefit for death or severe injury suffered as a result of riding in, boarding, exiting from, or being struck by a common carrier.

The benefit paid is based on a table provided and can be up to $100,000.

Travel Benefits

While not travel insurance specifically, these additional benefits can provide assistance when planning a trip or if an unexpected event should disrupt your trip.

The Amex Global Assist Hotline provides important 24/7 assistance when traveling more than 100 miles from home. Receive help finding medical, legal, and translation referrals as well as assistance securing emergency transportation.

In addition, you could receive help securing a replacement passport or finding missing luggage.

You can reach the Global Assist Hotline at 800-333-2639. Outside the U.S., call 715-343-7977.

Actual services provided by third parties that incur costs are the responsibility of the cardholder.

Services are also not available in areas such as Cuba, Iran, Syria, North Korea, or the Crimea region.

You’ll want to include the Amex Gold card during your next trip, as the card does not charge foreign transaction fees ( rates & fees ).

Receive help planning your trip with Insider Fares via AmexTravel.com, upgrade your flights with points , American Express Travel Insurance , onsite benefits at The Hotel Collection , Amex Offers , and more.

While the Amex Gold card comes with several valuable travel insurance benefits, you would not select the card for this specific reason. The card shines when it comes to earning on select everyday purchases, for purchasing airline tickets, and its flexible travel redemption options. Those should be key reasons for selecting the card.

The fact that there are travel insurance benefits that come complimentary with the card is just one more reason to consider the card.

If having premium travel insurance benefits is a priority for you, you might consider the Chase Sapphire Preferred ® Card , The Platinum Card ® from American Express , the Chase Sapphire Reserve ® , or the Capital One Venture X Rewards Credit Card , all of which offer some of the best travel insurance benefits.

You can read about more credit cards with travel insurance in our article on this specific topic.

For the car rental collision damage coverage benefit of the American Express Gold Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip delay insurance benefit of the American Express Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of the American Express Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the global assist hotline benefit of the American Express Gold Card, you can rely on the Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Card members may be responsible for the costs charged by third-party service providers.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express ® Gold Card, click here . For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the amex gold card have travel insurance benefits.

While the list of travel insurance benefits on the Amex Gold card is not extensive, you will find coverage such as secondary car rental insurance, the option to purchase Premium Protection car rental insurance, trip delay, baggage insurance, a Global Assist Hotline, and travel accident insurance.

Does the Amex Gold card have trip interruption or trip cancellation insurance?

No. The Amex Gold card does not offer trip interruption or trip cancellation insurance. The card does come with trip delay insurance.

Does the Amex Gold card charge foreign transaction fees?

No. You will not be charged foreign transaction fees when using the Amex Gold card for foreign purchases ( rates & fees) .

Does the Amex Gold card cover lost luggage?

Yes, the Amex Gold card can cover lost, stolen, or damaged luggage. The coverage is secondary to any coverage or reimbursement received by the airline or other applicable insurance.

Does the Amex Gold card have good car rental insurance?

The Amex Gold card comes with secondary car rental insurance, which means that you must first file a claim with any other applicable insurance before card coverage kicks in. You will have the option, however, to purchase Premium Protection for one low rate that covers the entire rental period, up to 42 days.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Amex Platinum: Full List of Travel Insurance Benefits [2024]
For the trip cancellation and interruption insurance coverage benefit of The Platinum Card® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card.
Platinum Travel Insurance
The Travel Inconvenience Insurance Plan provides benefits in the event of: Missed Departures and Missed Connections; delay, cancellation or overbooked flights; and Luggage Delay and Extended Luggage Delay when the Covered Trip is purchased and charged to your American Express International Dollar Card (IDC).. Up to US$250 per covered person for alternate travel, restaurant meals or refreshments
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How to make an AmEx travel insurance claim. To file a claim, you'll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you ...
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The first step is to visit the dedicated American Express travel insurance portal which is here. Once logged in, you will see this screen: Click on 'Get an insurance certificate'. This takes you an AXA website where you need to fill in details about yourself, your card and your trip. Once you have submitted those, you are emailed the ...
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The Platinum Card® from American Express comes with a long list of perks and benefits, especially for high-earning frequent travellers. While the card comes with a hefty $799 annual fee, it ...
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3. AMEX ® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca. In this outline, we have given a brief description of just some of the benefits available under AMEX ® Travel Insurance ...
How to generate a travel insurance certificate for the AMEX Platinum
AMEX Platinum Charge cardholders enjoy complimentary travel insurance when they pay for their outbound and inbound travel with their card. For the record, coverage will apply if you redeem airline miles and use the AMEX Platinum Charge to pay for taxes and surcharges.. Coverage includes, among other things: S$1 million for death or total permanent disability
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The Amex Platinum Card provides a number of rewards and benefits for rental cars, including premium status with Avis, Hertz and National, as well as loss and damage insurance ⁴. This insurance ...
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5x on flights booked directly or with Amex Travel, 5x on hotels booked through Amex Travel, 1.5x points on eligible purchases in select business categories and eligible purchases of $5,000 or more; on up to $2 million of these purchases per calendar year), 1x on all other purchases. Terms apply. Trip cancellation, interruption and delay Insurance.
Your complete guide to travel protection on American Express cards
Level 1: Higher-end cards. Some of American Express' top products offer baggage insurance coverage of up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage. This coverage is in excess of coverage provided by the common carrier.
Amex Platinum Travel Insurance: What's Covered And What's Not?
This insurance provides: Up to $75,000 of coverage for damage to or theft of a rental vehicle, but liability is not included. Up to $1,000 per person for personal property lost during the incident with a cap of $2,000 per claim. Up to $5,000 for accidental injury.
Travel Insurance
* In order to receive certain insurance benefits, you need to purchase the trip on your Platinum Card in full 1 If you are concerned about cover ending at age 70 and how it affects you, your family or Supplementary Cardmembers, please call us on 0800 917 8054
Maximizing Travel Insurance with the American Express Platinum Card
Trip interruption insurance will cover this situation, recompensing some or all of the remaining expenses in the trip. With the American Express Platinum card, the maximum benefit amount is $10,000 per Covered Trip and $20,000 per eligible card per 12 consecutive months. The coverage is written in legalese, so it's difficult to parse when you ...
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Amex Platinum travel insurance
With Amex Platinum Trip Cancellation Insurance, you're are eligible for up to $10,000 per trip (with a maximum payout of $20,000 per 12-month period) for flight cancellations occurring due to a covered reason (such as inclement weather, jury duty, injury, illness, etc.). You must pay the full ticket with your card (award flight taxes and fees ...
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Guide to free travel insurance with Amex Cards
The American Express Platinum Card cover also activates when using frequent flyer points. Covered people: Yourself (the primary Card Member), your spouse, and any legally dependent children under 22 years of age. ... American Express travel insurance might be good enough for your needs, particularly if you have a higher-tier card that boasts a ...
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PDF THE PLATINUM CARD
MEDICAL INSURANCE Effective Date of this Certificate: January 1, 2021 INTRODUCTION Out of Province/Country Emergency Medical insurance for AMEX Cardmembers and insured persons. Amex Bank of Canada has been issued group insurance policy PSI047257741 by Royal & Sun Alliance Insurance Company of Canada (the "Insurer") to cover
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Capitalized terms are defined in your Certificate of Insurance. • Travel insurance covers claims arising from sudden and unexpected situations (i.e.: accidents and emergencies) and typically not follow-up or recurrent care. ... Account means the Primary Cardmember's Scotiabank Platinum American Express Card Account which must be in Good ...
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Insurance & Protection
Purchase Protection. When you or your Supplementary Cardmembers use your Platinum Card, eligible items enjoy extra protection from the moment you buy them. Up to £2,500 for stolen or accidentally damaged items within 90 days. If a UK retailer won't take back an eligible item purchased with Platinum within 90 days, we'll refund you up to £300.
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Full List of Travel Insurance Benefits for the Amex Gold Card
The option to purchase Premium Protection car rental insurance on the Amex Gold card is a game changer. You'll pay one low price of $12.25 to $24.95 for the entire period, up to 42 total days, for primary theft and damage coverage. The actual rate will depend on your state of residence and the level of coverage chosen.
Credit Card Travel Insurance
Your Card insurance explained. Your American Express® Card may include complimentary domestic and international Travel Insurance, as well as retail insurances like Card Refund and Purchase Cover, and/or Smartphone Screen Cover. Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).
Delta SkyMiles ® Platinum Business Card
Your new favorite meal is waiting for you. Discover restaurants to love on your next trip. With your enrolled Delta SkyMiles® Platinum Business Card, you can earn up to $10 per month in statement credits on eligible purchases with U.S. Resy restaurants. Create a Resy account on Resy.com or on the Resy app to book a reservation.‡.

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The Guide to AmEx Platinum Travel Insurance

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Trip interruption coverage

Trip delay insurance

Rental car insurance

Baggage coverage

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Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

Overview of the travel insurance provided by these cards

Trip delay insurance

Trip cancellation/interruption insurance

Auto rental collision damage waiver

Emergency evacuation and transportation insurance

Lost luggage reimbursement

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

Reasons to use the Chase Sapphire Reserve

Reasons to use the Amex Platinum

Bottom line

How does the Amex Platinum’s travel insurance work?

Credit card travel protection benefits

Amex cards eligible for travel insurance

Trip Interruption and Cancellation Insurance

Trip Delay Insurance

Rental Car Insurance

Lost, Damaged, and Stolen Baggage Insurance

Delayed Baggage Insurance

Premium Global Assist

FAQ: Things to consider with trip protection benefits

Will your airline elite status help if there’s a flight delay or cancellation?

Did you book an expensive cruise or tour?

Do you have third-party travel insurance?

Bottom line

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