american express travel card points value

The Platinum Card from American Express point values

American express gold card points value.

• American Express® Green Card point values
• Amex Everyday® Preferred Credit Card* point values
• Amex Everyday® Credit Card* point values

How to get more from your Membership Rewards Points

Amex airline transfer partners, the bottom line.

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How Much Are American Express Membership Rewards Points Worth in October 2023?

The value of your Membership Rewards points will change depending on how you redeem them.

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How much your American Express Membership points are worth will ultimately depend on how you use them. You can get anywhere from 0.5 cent per point to -- according to The Points Guy calculations -- 2 cents per point in rewards value, and potentially more. The most lucrative ways to redeem your points are for airfare and point transfers.

Whether you have one Amex credit card or several, you’ll need to know how redemptions work and how much value you’ll get in return for spending.

Read more:   Best Credit Cards for TSA PreCheck and Global Entry

The Platinum Card® from American Express

For more information, check out our full review of  The Platinum Card® from American Express *.

American Express® Gold Card

See our full review of the  American Express Gold Card * for more details.

American Express® Green Card

All information about the American Express Green Card has been collected independently by CNET and has not been reviewed by the issuer.

American Express® Green Card point values

The Amex EveryDay® Preferred Credit Card

Amex everyday® preferred credit card* point values.

Amex EveryDay® Credit Card

Amex everyday® credit card* point values.

Redeeming Amex Membership Rewards points for airfare through Amex’s travel portal will net you a per-point value of 1 cent. However, using points to book prepaid hotels, cruises and prepaid car rentals through American Express will only net you 0.7 cent per point. 

Other nontravel options offer even lower point values, so your best bet is redeeming Amex points for airfare through Amex Travel or transferring points to partners for potentially even greater value.

Point transfers allow you to transfer your Membership Rewards Points to one of American Express’s 21 airline and hotel partners , typically at a 1:1 ratio. Then, you can use your transferred points to book flights or hotel stays directly through the airline or hotel’s own loyalty program. 

By transferring your points to a partner, with the right deal you could increase how much they’re worth. In some instances, you may even get a per-point value of 2 cents or more. To figure out how much your points are worth in a given redemption, divide the dollar cost of the booking by the point cost. To maximize your value when booking award travel, try booking well in advance to access the best availability. It also helps being flexible about your desired dates and itinerary to take advantage of deals.

While you can transfer Amex Membership Rewards points to three hotel loyalty programs -- Choice Privileges, Hilton Honors and Marriott Bonvoy -- Amex airline transfer partners offer the most potential value when it comes to maximizing rewards. 

In fact, you can frequently get 2 cents per point or better when you transfer points to airlines and redeem miles for a premium flight redemption like an international business class fare.

Amex lists the following airline partners and transfer ratios, but keep in mind that airline transfer bonuses are offered from time to time. Also, the ratios below represent the base transfer rate, but you’ll often get an even better per-point value depending on the transfer deal.

How you choose to redeem your Membership Rewards points will impact the overall value you get in return. For travel cards, the most lucrative way to use your points is by transferring your points to one of Amex’s travel partners. Otherwise, redeeming for travel through Amex’s own travel portal for airfare will let you secure a rewards value of 1 cent per point.

Unfortunately, you’ll only get 0.7 cent per point in value for prepaid hotels, prepaid car rentals and cruises booked directly through Amex. Redeeming for statement credits or using your points with select merchants won’t provide a good value in comparison, either.

If you’re not interested in redeeming your credit card rewards for travel, consider getting a cash-back card that offers better value when redeeming for direct cash back or a statement credit.

*All information about the American Express Gold Card, Platinum Card from American Express, Amex Everyday Preferred Credit Card and Amex Everyday Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

For rates and fees of the American Express Green Card, click here .

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

For rates and fees of the American Express Gold Card, click  here .

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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What are american express membership rewards points worth, cnbc select shows you which use of american express points will get you the greatest redemption value..

Terms apply to American Express benefits and offers. Visit  americanexpress.com  to learn more.

American Express cards earn either Membership Rewards® points or cash back . Whether you're considering which type of card to get or looking to get the maximum value from your American Express points, you may be wondering how much American Express Membership Rewards points are worth.

As you'll see in detail below, American Express redemption options generally range between 0.5 cents and 1 cent per point. However, you can get much more value than that through American Express' many airline and hotel transfer partners.

How to earn Amex points

You earn Membership Rewards points by spending on eligible American Express rewards cards . The fastest way to accumulate American Express points is by earning the welcome bonus you'll receive after applying for a card and meeting the bonus offer requirements.

Some of the best travel cards for earning Amex points include:

• The Platinum Card® from American Express : Earn 80,000 Membership Rewards® points after spending $8,000 within the first six months of card membership
• 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
• American Express® Green Card : Earn 60,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Plus, earn 20% back on eligible travel and transit purchases made during your first 6 months of Card Membership, up to $200 back in the form of a statement credit.

The Platinum Card® from American Express

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 Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

Welcome bonus

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.

Regular APR

See Pay Over Time APR

Balance transfer fee

Foreign transaction fee, credit needed.

Excellent/Good

See rates and fees , terms apply.

Read our The Platinum Card® from American Express review .

American Express® Gold Card

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

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.

Not applicable

Credit needed

Read our American Express® Gold Card review .

American Express® Green Card

3X Membership Rewards® points on travel, transit purchases, and on eligible purchases at restaurants worldwide (including takeout and delivery in the U.S.) and 1X Membership Rewards® points on all other eligible purchases

Earn 60,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Plus, earn 20% back on eligible travel and transit purchases made during your first 6 months of Card Membership, up to $200 back in the form of a statement credit.

Terms apply.

Read our American Express® Green Card review .

What's the value of Amex points for cash back?

American Express cardholders can redeem Membership Rewards points to offset card charges at a rate of 0.6 cents per point through Cover Your Card Charges. That's a pretty poor redemption rate for your American Express points, and yet this option still comes with several restrictions.

Not all charges are eligible for Cover Your Card Charges. To be eligible, the purchase must be at least $1 and have occurred in the U.S. or U.S. territory, and the charge must appear in your account under 'Recent Activity' or in your current statement . Partial redemptions aren't allowed, you'll need to have enough points to cover the entire purchase.

As if those aren't enough restrictions, you can't use Cover Your Card Charges to offset purchases if they exceed your latest statement balance. So, you'll need to wait until your statement posts, and you may still be limited on which charges you can cover. Also, note that you'll get a statement credit in your account that reduces your card balance — not cash back.

What's the value of Amex points for gift cards?

American Express Membership Rewards can be redeemed for an array of different gift cards . For many gift card options, you'll get 1 cent per point in value by redeeming points this way — or potentially more when there's a special offer.

However, not all redemptions are as valuable. Some redemption options yield only 0.7 or 0.85 cents per point. It depends on which retailer's gift card you are redeeming points for. For example, at the time of this writing, a $100 Best Western gift card costs 11,765 points, while you can get a $100 Delta Air Lines gift card for 14,286 points.

Worst of all, you'll only get 0.5 cents per point in value when redeeming points for American Express gift cards.

What's the value of Amex points for travel?

American Express cardholders generally get either 0.7 or 1 cent per point when using Membership Rewards points to pay for travel booked through the Amex Travel site — depending on what kind of travel you're purchasing. However, after factoring in a points rebate, certain American Express business cards can effectively get up to 1.54 cents per point toward eligible flights.

Booking flights with Amex points

The best value is found when booking flights through Amex Travel or when using points to upgrade your flight. In both cases, American Express cardholders can redeem points at 1 cent per point. This can be a useful redemption option, particularly for inexpensive flights :

Even better, certain American Express business cards can receive a points rebate when cardmembers use Pay With Points to book flights. To be eligible for the rebate, you must either book an economy flight on your selected qualifying airline or business or first class on any airline.

The Business Platinum Card® from American Expres s cardmembers get a 35% points rebate , up to 1,000,000 points back per calendar year. After factoring in the rebate, Amex Business Platinum cardmembers effectively get 1.54 cents per point in value. Meanwhile, American Express® Business Gold Card cardholders get a 25% points rebate of up to 250,000 points back per calendar year. That effectively yields a 1.33 cents per point redemption rate.

The Business Platinum Card® from American Express

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com and 1X points for each dollar you spend on eligible purchases. Also, earn 1.5X points (that's an extra half point per dollar) on each eligible purchases at US construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first 3 months of card membership

19.49% - 27.49% variable

American Express® Business Gold Card

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within the first three months of card membership

See rates and fees , terms apply.

Once you book your flight — whether through American Express or not — you can use Membership Rewards points to upgrade your flight. The Upgrade with Points redemption option lets you use points to bid for an upgrade on over 20 airlines.

Booking hotels with Amex Points

One of the perks of holding The Platinum Card® from American Express or The Business Platinum Card® from American Express is access to luxury hotels via the Fine Hotels & Resorts (FHR) program . By booking one of these hotels through Amex Travel , cardmembers get a slew of perks — including free breakfast, room upgrades, a $100 on-site credit, late checkout and more. Additionally, personal Amex Platinum cardholders get up to $200 back as statement credits per year for eligible prepaid FHR or The Hotel Collection bookings ( Hotel Collection requires a minimum two-night stay ).

Plus, if you use points to pay for an FHR booking, you can get a redemption rate of 1 cent per point. For all other hotel bookings through Amex Travel, almost all American Express cards get a redemption rate of 0.7 cents per point. That means 10,000 Membership Rewards points would cover $100 towards a stay at a Fine Hotels & Resorts property or $70 at another hotel booked through Amex Travel.

Booking other types of travel

American Express cardholders can also use points to book rental cars , cruises , vacations, and more through Amex Travel. For these types of redemptions, most American Express cardholders get a redemption rate of 0.7 cents per point.

That means 10,000 Membership Rewards points would cover $70 towards other types of travel booked through Amex Travel.

What's the value of Amex points for shopping online?

In addition to using points to Cover Your Card Charges, you can redeem points at checkout at several online retailers. With two exceptions noted below, the Pay With Points redemption option provides 0.7 cents per point in value.

That redemption rate is an ever-so-slightly better rate than the 0.6 cents per point that you get when using points to offset card charges. So, if you're planning on redeeming points through Cover Your Card Charges, it's worth seeing if you can make the purchase through one of the participating retailers and use Pay With Points instead.

 You'll get a redemption rate of 0.7 cents per point when using points at checkout at the following retailers:

• Saks Fifth Avenue
• Seamless.com

The only exception to this Pay with Points redemption rate is NYC Taxi (1 cent per point).

There's also an option to shop with Membership Rewards points. However, you'll only get 0.5 cents per point with this option, which is an even lower rate than what you'd get by redeeming for a statement credit.

The best use of Amex points: Membership Rewards transfer partners

So far, all the redemption options we've covered have provided no more than 1 cent per point in value. Yet, American Express Membership Rewards points are considered some of the most valuable points available . And that's because of American Express' valuable airline and hotel transfer partners.

You can transfer Amex points to 21 airline and hotel partners. With few exceptions, points transfer at a 1:1 ratio. American Express transfer partners include the following:

• Aer Lingus AerClub
• Aeromexico Premier
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• ANA Mileage Club
• Avianca LifeMiles
• British Airways Executive Club
• Cathay Pacific Asia Miles

Delta SkyMiles

• Emirates Skywards
• Etihad Guest
• Hawaiian Airlines HawaiianMiles
• Iberia Plus
• JetBlue TrueBlue
• Singapore KrisFlyer
• Qantas Frequent Flyer
• Qatar Airways Privilege Club
• Virgin Atlantic Flying Club
• Choice Privileges
• Hilton Honors
• Marriott Bonvoy

Transfer partners are where the real value of Membership Rewards is found. For example, you can transfer 60,000 Membership Rewards points to Aeroplan to book a one-way business class award to Europe on United, Lufthansa, TAP Air Portugal or any other Star Alliance partner:

As of writing, that one-way business class flight between Newark and Lisbon on TAP is currently priced at over $2,400, meaning you'd be getting an amazing value of roughly 4 cents per point once you factor in the taxes and fees.

Or, transfer 90,000 Membership Rewards points to Virgin Atlantic Flying Club to book a round-trip business class award on ANA from the U.S. West Coast to Japan.

Just keep in mind that not all of American Express' transfer partners are as valuable. Choice Privileges and Marriott Bonvoy points typically provide less than 1 cent per point in value. So, you'll generally want to avoid using points for these programs — unless you find a particularly valuable redemption or need to top off your account with a few more points.

As Delta uses dynamic award pricing, the value of SkyMiles is limited to an average value of around 1.2 cents per mile — although you can sometimes get a higher value than that. So, it's a good idea to check the cash price of any Delta flights before transferring miles. Consider booking cash flights through Amex Travel at 1 cent per point rather than transferring points to Delta SkyMiles to book an award flight . After all, you'll also earn SkyMiles and elite status credits when you use American Express points to buy a cash airfare.

However, for the right redemption, it can make sense to transfer points to Delta. After all, it's hard to beat paying as little as 4,000 points for a one-way award flight:

As of writing, that ticket costs $69, meaning you'd be getting nearly 1.6 cents per point with this redemption after factoring in taxes.

The worst uses of Amex points

The least-valuable American Express redemption options only provide 0.5 cents per point in value. As there are so many more valuable ways to use Membership Rewards points, these redemption options should be avoided:

• Excise Tax Offset Fee: American Express collects excise tax when you transfer points to U.S.-based airline mileage programs. You have the option to use points to cover this cost, but the redemption rate is only 0.5 cents per point. So, it's better to pay this excise tax out-of-pocket. 
• American Express Gift Cards: The redemption rate for travel, retail and dining gift cards varies between 0.7 and 1.0 cents per point. However, you'll only get 0.5 cents per point when redeeming points for American Express gift cards.
• Shop with Membership Rewards Points : You can buy various merchandise products directly from American Express through the Shop with Membership Rewards Points website . However, you'll only get a value of 0.5 cents per point. So, it's better to purchase merchandise directly and use Cover Your Card Charges to get 0.6 cents per point. Or, you can Pay With Points at Checkout at Amazon, Best Buy, and other retailers at 0.7 cents per point.

Money matters —  so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Bottom line

For most redemption options, American Express Membership Rewards points are worth no more than 1 cent per point. And some redemptions only provide 0.5 cents per point in value.

However, by maximizing American Express' airline and hotel transfer partners, you can get much more value than this — whether it's booking domestic Delta flights from 4,000 miles each way or a one-way business class trip to Europe for 60,000 miles. These redemptions are often much more valuable.

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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 .

For rates and fees of the Blue Business® Plus Credit Card from American Express, click here .

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

For rates and fees for the American Express Business Gold Card, click here .

For rates and fees for the American Express® Green Card, click here.

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How Much Are American Express Membership Rewards Points Worth?

The value of one American Express Membership Rewards point may vary from 0.5 cents to upward of 2 cents, depending on the redemption method.

Updated: March 21, 2024

Quality Verified

On This Page:

• Membership Rewards Points Value
• Amex vs. Other Card Issuers
• Earning Membership Rewards Points
• About Amex Membership Rewards
• Frequently Asked Questions

Advertising & Editorial Disclosure

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

• American Express . " Cover it with Points ." Accessed October 6, 2022 .
• American Express . " Membership Rewards - Terms and Conditions ." Accessed October 7, 2022 .

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Table of Contents

An overview of AmEx points vs. Chase Ultimate Rewards® points

Amex membership rewards points, chase ultimate rewards® points, amex vs. chase transfer partners, credit cards that earn amex or chase ultimate rewards® points, why choose here’s why points collectors usually have both.

Both Chase and AmEx points are worth about the same when transferring to partners.

Certain Chase cards offer a higher baseline value.

Hyatt, Southwest, IHG and United loyalists should choose Chase. Delta flyers, Hilton fans should choose AmEx.

Cash-back enthusiasts will prefer the Chase ecosystem to AmEx.

Advanced points nerds tend to collect both currencies instead of picking one.

American Express Membership Rewards and Chase Ultimate Rewards® are two of the most popular and well-established transferable points programs in the points and miles world.

However, when comparing AmEx points versus Chase Ultimate Rewards® points, which comes out on top?

Whether you're just starting to collect points and miles or are debating a change in strategy, it's worth considering which is the better points program to focus your attention and loyalty. We compare what you need to know in this deep dive on AmEx points and Chase Ultimate Rewards® points.

Both Membership Rewards points and Chase Ultimate Rewards® points can be transferred to airline and hotel partners or redeemed for travel through each individual program's online travel-booking portal. Both programs also offer other non-travel redemption options, but these generally provide lower value.

Here are the key differences between AmEx and Chase Ultimate Rewards® points:

Number of transfer partners. AmEx leads the way with 20 airline and hotel partners versus Chase's 14 transfer partners . That means more access to airline sweet spots for AmEx points collectors.

Redemption rate for travel purchases. Chase offers certain Sapphire and Ink cardholders the opportunity to redeem points for travel at 1.25 to 1.5 cents per point. Meanwhile, AmEx travel redemptions generally top out at 1 cent per point (unless you know where to transfer them , which can get you a baseline value of up to 2.8 cents per point).

Redeeming points for purchases. Chase Ultimate Rewards® points are more valuable when using points to pay for purchases. You can redeem Chase Ultimate Rewards® points for at least 1 cent per point to cover card charges. Meanwhile, AmEx point redemptions top out at just 0.7 cent per point when paying with points at checkout at select retailers.

Cash out/statement credit rates. Chase lets cardholders redeem Ultimate Rewards® points for cash back at a rate of 1 cent per point. AmEx points can be redeemed to Cover Your Card Charges at a rate of just 0.6 cent per point, remitted as a statement credit.

The quality of the portal. In next-level points nerdiness, we dived deep to analyze and compare the online travel portals of Chase and AmEx, as well as Citi Thank You and Capital One (two other heavy hitters in the transferable currency space). Chase's portal beat AmEx's at nearly every turn.

» Learn more: The best travel credit cards right now

Membership Rewards points are the points earned on American Express cards — excluding airline and hotel co-branded cards. Cardmembers can redeem Membership Rewards points in a variety of ways, from gift cards to paying with points at checkout with certain online retailers. However, the most valuable way to redeem Membership Rewards points is for travel redemptions.

The value of AmEx points

Ignoring poor-value redemption options, AmEx Membership Rewards points are worth between 1 and 2 cents per point , depending on how you use them.

In the AmEx Travel portal

AmEx Membership Rewards are worth up to 1 cent per point when used for qualifying reservations through American Express Travel . You'll get this rate when booking flights or Fine Hotels & Resorts (on qualifying cards) through AmEx Travel.

Other travel purchases made through AmEx Travel — from prepaid hotels to cruises — provide just 0.7 cent per point.

Via AmEx transfer partners

NerdWallet analysis finds that Membership Rewards points can be worth up to 2.8 cents each when redeemed through transfer partners. This high value is due to valuable AmEx partners like ANA Mileage Club (baseline value: 2.8 cents per mile) and Air Canada Aeroplan (baseline value: 1.4 cents per mile).

However, that's just the baseline value. You can get an even higher value by redeeming AmEx points for premium cabin awards (i.e., first or business class tickets). Just one of many examples: Transfer 88,000 AmEx points to ANA Mileage Club to book a round-trip award flight in United Airlines business class between the U.S. and Europe.

United is currently selling the same flights for $7,160.07. That means you would need 716,007 AmEx points to book this flight through the AmEx Travel portal. After factoring in the reasonable $66 of taxes and fees on the award, you'd get over 8 cents per point from this premium cabin redemption.

As statement credit

The AmEx Cover Your Charge program is the simplest way for Membership Rewards collectors to redeem their points as a statement credit. Unfortunately, this redemption is a pretty poor value at only 0.6 cent per point.

» Learn more: What is a statement credit on travel cards?

What are AmEx points good for?

Airline point redemptions. If you love flying, AmEx is the program for you, as 17 of AmEx's 20 transfer partners are airline loyalty programs . Also, airline bookings, including upgrades with points, provide among the highest redemption rates when booking through AmEx Travel. Even still, you'll generally get more value when redeeming points through transfer partners.

Booking niche mileage sweet spots. AmEx points unlock some of the highest-value sweet spots in the points and miles world — from 44,000-point business class flights to Africa (via the Etihad Guest sweet spot on Royal Air Maroc) to 220,000-point around-the-world award tickets in business class (via Aeromexico Club Premier).

Lounge access. While AmEx points themselves don't get you into lounges, premium AmEx cards do offer lounge access. Through AmEx's expansive Global Lounge Collection , eligible cardmembers get access to over 1,400 lounges in 140 countries.

Skip AmEx points if …

You’d rather earn cash back. AmEx points provide only 0.6 cent per point in value when redeemed to cover card charges. Considering most AmEx Membership Rewards cards earn a base rate of 1 point per dollar spent, that's a poor return on your spending. You'll do much better by getting a dedicated cash-back credit card .

You want to earn points that can transfer to United, Southwest Airlines or Hyatt. AmEx offers 20 airline and hotel transfer partners, but United, Southwest and Hyatt aren't among them. Instead, you'll want to earn Chase Ultimate Rewards® points to transfer points to any of these programs.

You plan to redeem points for non-airfare travel. AmEx generally offers subpar redemption rates for other types of travel purchases. Even prepaid hotels — with the exception of Fine Hotels & Resorts — and cruises booked through AmEx Travel provide just 0.7 cent per point in value.

Chase offers dozens of rewards cards — including co-branded credit cards from Southwest, Hyatt, IHG Rewards, United, Air Canada and more. Just three Chase-branded cards earn Ultimate Rewards® points.

Despite their small numbers, these cards play an outsize role in the points and miles world.

The value of Chase Ultimate Rewards® points

Chase Ultimate Rewards® points are worth at least 1 cent per point in value — that’s the baseline rate at which you can cash out points for a statement credit . However, you can redeem Ultimate Rewards® points at a higher rate for travel purchases through Chase's portal and by transferring points to Chase's 14 airline and hotel partners.

In Chase's travel portal

Each of the three Chase credit cards that specifically earn Ultimate Rewards® points offers bonus value for redeeming points for travel through Chase. The bonus varies by card:

Chase Sapphire Reserve® : 50% more value (1.5 cents per point).

Chase Sapphire Preferred® Card : 25% more value (1.25 cents per point).

Ink Business Preferred® Credit Card : 25% more value (1.25 cents per point).

Note that this small roundup does not include Freedom and other Ink cards that earn cash back that can be converted to Ultimate Rewards® points.

Via Chase transfer partners

In NerdWallet analysis, we found that the overall value of Chase Ultimate Rewards® points is around 1 cent to 2.2 cents when redeemed through Chase's airline and hotel transfer partners.

Not all partners necessarily provide this much value. For example, Chase Ultimate Rewards® points transfer to Marriott at a 1:1 transfer ratio, and our analysis finds that Bonvoy points have a baseline value of just 0.8 cent per point.

To get top value, you'll want to transfer Chase Ultimate Rewards® points to valuable partners such as Air Canada Aeroplan (baseline value: 1.4 cents per point ) or World of Hyatt ( 2.3 cents per point ) — or for high-value redemptions through other partners.

As cash back

Generally speaking, Chase Ultimate Rewards® can always be redeemed for cash back at a rate of 1 cent per point.

What are Chase Ultimate Rewards® points best for?

United and Southwest redemptions. Chase Ultimate Rewards® points transfer to both United MileagePlus and Southwest Rapid Rewards at a 1:1 transfer ratio. That makes earning Chase Ultimate Rewards® points a great way to top off your points collection in either of these airline programs.

World of Hyatt bookings. Hotel transfer partners generally provide poorer value than airline partners; however, Hyatt is a key exception. With the introduction of off-peak award pricing, Hyatt reward nights now start at just 3,500 points per night. Collecting Chase Ultimate Rewards® points can be a shortcut for accumulating Hyatt points to take advantage of Hyatt's high-value redemptions.

Redeeming points for paid travel. Depending on which card you have, Chase Ultimate Rewards® provide either 1.25 or 1.5 cents per point in value toward paid travel purchases through Chase's portal. That provides an excellent way to take advantage of booking cheap flights and hotel stays — using fewer points than it would take to redeem for a reward flight or night.

Skip Chase Ultimate Rewards® points if …

You want to transfer points to Delta Air Lines SkyMiles. Although Chase partners with four North American airlines, Delta isn't one of them. Focus on earning AmEx points if you want to top off your Delta SkyMiles account.

You're looking for expert-level sweet spots. Chase transfer partners are solid, but Ultimate Rewards® doesn't partner with some of the international programs that can provide the best of the best sweet spots — like Avianca LifeMiles and Etihad Guest .

Both AmEx points and Chase Ultimate Rewards® points offer a diverse group of over a dozen transfer partners. However, each program excels in a slightly different way. Start by comparing the transfer partners and transfer rates for AmEx points versus Chase points.

AmEx transfer partners, Singapore Krisflyer and Air France-KLM, generally offer high-value redemptions. We recommend avoiding Marriott and Aer Lingus, among others. Read our analysis on AmEx transfer partners here .

Meanwhile, the best Chase partners are World of Hyatt and United MileagePlus. We recommend that you don't transfer Chase Ultimate Rewards® points to partners like JetBlue True Blue and IHG Rewards Club, where you'll get less-than-ideal value. See our full breakdown of which Chase transfer partners to avoid .

Chase Ultimate Rewards® offers fewer transfer partners than AmEx, but the ones it does are generally well-known programs. Of Chase's 11 airline partners, four are North American airlines: Southwest Rapid Rewards, United MileagePlus, JetBlue TrueBlue and Air Canada Aeroplan. Five are European airlines that can provide value when flying within the U.S.

» Learn more: International airline programs you can use to book domestic flights

Chase point transfers are simpler to calculate, as Chase Ultimate Rewards® points transfer to all partners at a 1:1 transfer ratio. So, you don't have to worry about calculating how many airline miles — or kilometers in the case of Aeromexico — you'll end up with after your transfer.

Also consider that Air Canada Aeroplan — just one airline partner of both AmEx and Chase — opens up award redemptions on over 40 airline partners. You can see just how far-reaching each program’s transferable points can take you.

AmEx points transfer to 20 airline and hotel loyalty programs, including several airlines from each major airline alliance.

SkyTeam: Aeromexico, Air France-KLM, Alitalia, Delta.

Star Alliance: Air Canada, ANA, Avianca Airlines, Singapore Airlines.

Oneworld: British Airways, Cathay Pacific, Iberia Airlines, Qantas Airlines.

Several of AmEx's airline partners may be unfamiliar to those who aren't points and miles nerds. However, knowledgeable travel rewards collectors know that gems can be found in just those types of programs. In fact, AmEx points can unlock most of the cheapest business class redemptions from the U.S. to Europe .

AmEx offers nine cards that earn transferable Membership Rewards points , while Chase offers just three credit cards that earn Ultimate Rewards® points that can be transferred to partners.

Right away, you can see that AmEx offers more options for earning Membership Rewards points. But that doesn't necessarily make AmEx the right option for you.

The right card for you depends on what you're looking to get from the card. Here's a summary of just a few card categories and how AmEx and Chase compare.

Terms apply.

Other cards that earn Membership Rewards include:

The Amex EveryDay® Preferred Credit Card from American Express .

Amex EveryDay® Credit Card .

The Business Platinum Card® from American Express .

Business Green Rewards Card from American Express .

The Blue Business® Plus Credit Card from American Express .

Here’s a closer look at the premium travel cards offered by both AmEx and Chase.

on Chase's website

on American Express' website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

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. Terms Apply.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

• 1 point per $1 on other purchases.

• 5 points per $1 on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.

• 5 points per $1 on prepaid hotels booked with American Express Travel.

• 1 point per $1 on other eligible purchases.

The secret of the choice between AmEx points versus Chase points is that you don't actually have to pick just one. Advanced points and miles collectors optimize their card portfolio to earn both AmEx points and Chase points at the highest earning rates.

That could mean using the American Express® Gold Card to earn 4x points at U.S. restaurants and 4x points on U.S. supermarkets on up to $25,000 per year in purchases. And using the Chase Sapphire Reserve® to earn 3x points on general travel and up to 10x points on travel purchased through Chase. Terms apply.

By earning both types of points, you won't have access to "only" 20 transfer partners through AmEx or "only" 14 partners through Chase. Instead, you can transfer points to a combined 24 airline and hotel transfer partners.

You can even come out ahead with the 10 overlapping partners, as both AmEx and Chase run bonus promos for transfers throughout the year. For example, AmEx is currently offering a 30% bonus for transfers to Marriott Bonvoy — while Chase is offering a 50% bonus for transfers to Marriott Bonvoy. There will also be instances where one program will run a bonus, and the other will have the standard 1:1 rate.

If you had only Chase or AmEx points, you'd miss out on all of the transfer bonuses offered by the other program.

To view rates and fees of The Platinum Card® from American Express , see this page . All information about the American Express® Green Card has been collected independently by NerdWallet. The American Express® Green Card is no longer available through NerdWallet. All information about The Amex EveryDay® Preferred Credit Card from American Express has been collected independently by NerdWallet. The Amex EveryDay® Preferred Credit Card from American Express is no longer available through NerdWallet. All information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet. The Amex EveryDay® Credit Card is no longer available through NerdWallet. All information about the Business Green Rewards Card from American Express has been collected independently by NerdWallet. The Business Green Rewards Card from American Express is no longer available through NerdWallet. To view rates and fees of the American Express® Gold Card , see this page .

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

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

The 5 best travel credit cards for 2024 — including the new fine print

TSA Pre-Check fees are waived for Chase Sapphire Reserve cardholders.

Sorting through the cards in your wallet should be an annual chore. You want to double down on the most rewarding perks — which can change from year to year — while omitting other cards that have drifted into mediocrity. It’s a tedious process that can significantly boost your points and miles balances and pave the way for free and upgraded travel.

Let us do the heavy lifting for you. Changes to major credit cards offerings that happen in the yearend cycle are now inked in place, and we’ve been busy sifting the fine print so you don’t have to.

There are a few caveats: Sign-up bonuses come and go, and it is always wise to scour the internet for the best offer. Don’t assume that you need to go with the most prominent, highest-fee cards for hefty rewards. These days, some options with lower annual fees pack a solid punch, too.

Here are the best travel credit cards on the market right now, plus more affordable alternatives well worth considering.

Best overall

American express platinum card.

Annual fee: $695

The quick sell: Even with patchy acceptance of Amex cards abroad, the Platinum card continues to reign supreme for its excellent airport lounge access and instant VIP status at hotels. You can milk its pricey fee for some $1,800 in value before you redeem a single point.

New fine print for 2024: Effective February 2025, cardholders can access Delta Sky Clubs only 10 times a year; previously, there were no such limits. Meanwhile, a new partnership offers cardholders free access to Points.me, a clever tool that makes it easy to compare points-redemption options across a wide variety of airline and hotel programs.

The perks: Access to 40+ Centurion airport lounges is always a draw, though now you’ll have to pay $50 to bring a guest unless you spend more than $75,000 on your card annually. Cardholders also benefit from partnerships with other lounge networks, including Priority Pass (which offers no-cost access to its 1,300+ locations), Plaza Premium, Escape, Lufthansa and Delta Sky Club (when flying Delta). For now, Sky Club use is unlimited; in 2025, it will be restricted to 10 visits per year.

A rendering of plans for the new American Express Centurion Lounge at Newark Airport.

The card comes with a slew of valuable credits. These include $200 for such incidental airline fees as seat assignments and bag surcharges, $200 toward hotel reservations made via Fine Hotels + Resorts program, and monthly credits for Uber and media subscriptions (including Disney+, SiriusXM and the New York Times). You can also score a $155 Walmart+ credit and $100 for Saks Fifth Avenue — not to mention instant gold status with both Marriott Bonvoy and Hilton Honors loyalty programs.

Points (1 point equals 1 cent) can be redeemed like cash via the Membership Rewards portal or transferred to such airline and hotel loyalty programs as Air France/KLM, Delta and Virgin Atlantic. You get five times the points when booking travel via American Express or its Fine Hotels + Resorts program, which confers free breakfasts, room upgrades and late checkout at such hotels as the Hotel Plaza Athénée Paris or the Four Seasons Bali at Jimbaran Bay.

Cheaper alternatives: The Blue Business Plus Card from American Express offers unrivaled points-earning potential among no-annual-fee cards — two points per dollar. If you value airport lounge access, the $395-annual fee Capital One Venture X card is a better deal that offers similar earnings, plus access to Priority Pass, Plaza Premium and a growing number of Capital One lounges.

Best return on points

Chase sapphire reserve.

Annual Fee: $550

The quick sell: This card provides the most value when it comes to redeeming points for free travel. Its built-in credits are great, too.

New fine print for 2024: Here, it’s business as usual.

The perks: Chase Ultimate Rewards points can be redeemed like cash or transferred to airline and hotel partners. You’ll get 10 of those per dollar spent on hotels, rental cars and dining booked through Chase, and 5 points per dollar on flights. You also get 10 points per dollar on Lyft rides and 3 points per dollar on other travel and dining purchases made outside Chase’s ecosystem. All other purchases earn 1 point per $1.

These points come with mega value: One point is akin to 1.5 cents, making a $1,400 flight in premium economy from New York to Paris and back roughly 90,000 points.

As with Amex, you can quickly earn back the annual fee. A $300 annual credit wipes away travel charges, and you get $100 toward TSA PreCheck or Global Entry applications, plus free Priority Pass membership. Book via Chase’s own Luxury Hotel & Resort Collection program, and you’ll get perks like free breakfast and room upgrades, too. Then come such smaller benefits as a $5 monthly credit to DoorDash (plus free DashPass membership) and the free bike rentals, discounts and priority pickups that come with Lyft Pink All Access membership.

Cheaper alternative: The Chase Sapphire Preferred offers excellent points earning and solid redemption values — 1 point for 1.25 cents — but nixes Priority Pass and some other perks in exchange for a lower $95 annual fee.

Best for Star Alliance travelers

United club infinite card.

Annual Fee: $525

The quick sell: Why pay the $650 annual fee to join the United Club as a member when you can get access—for $125 via this card — along with greater access to United MileagePlus award-redemption availability just for holding the card?

New fine print for 2024: You can now earn 10,000 status-qualifying points by swiping this card — up from 8,000 last year. That’s enough to earn Premier Gold status all on its own.

The perks: United’s miles may have lost value over the years, particularly since the airline ditched award charts and raised prices on partners, but it’s the most transparent of the three biggest US carriers. (For one thing, it still shows award availability for most partners on its website and app.) With this card, MileagePlus earnings pile up fast, thanks to 4 miles per dollar on United purchases, 2 miles on dining and other travel and 1 mile on everything else. The path to elite status—measured via Premier Qualifying Points or PQPs — accelerates, thanks to 25 PQPs awarded per $500 spent (up to 10,000 PQPs a year), making most loyalty tiers (including Platinum) relatively attainable, even for non-business travelers.

This is not just about earning potential. You’ll get upgraded on eligible domestic and Caribbean award tickets just for holding the card, and if you redeem miles for a saver economy ticket, you’ll get 10% off in rebate form. Hotel benefits come via a partnership with IHG Hotels & Resorts: Cardholders get a $75 credit to apply toward on-site expenses whenever they stay at these properties, plus automatic Platinum Elite status with IHG One Rewards. (The latter gets guaranteed late checkouts, bonus points and free room upgrades.) When it comes to lounges, unlimited access is included, not just to United Clubs but to those of many Star Alliance partners as well.

Other benefits include a TSA PreCheck or Global Entry credit, two complimentary checked bags per flight, 25% discounts on in-flight purchases and standard travel insurance.

Cheaper alternative: The $95 annual fee for the United Explorer Card nets many of the most important perks, such as upgrades on United award tickets; two miles per dollar spent on United flights, dining and hotels; and two United Club passes.

Best for Delta loyalists

Delta skymiles reserve credit card.

Annual Fee: $650

The quick sell: SkyMiles has seen Zimbabwe-like currency devaluation entailing inflated redemption prices and scant partner availability. That makes this card — which isn’t a great option by most conventional measures — especially valuable to Delta loyalists. It offers an unparalleled three miles per dollar on Delta purchases (or one mile for every other purchase), and holding it bumps you up the upgrade list if you also have Medallion status.

New fine print for 2024: Pay attention to that annual fee; it costs $100 more than it did last year. But new travel credits offset that price hike, and your annual companion certificate can now be used on international flights to Mexico, Central America and the Caribbean.

The perks: In a bid to convert users toward booking hotels on Delta Stays, its own nascent platform, the airline is extending a $200 annual accommodations credit to cardholders. That’s in addition to $20 monthly Resy credits, $10 monthly ride-sharing credits and top Hertz elite status. But lounge access will soon be cut back. Starting on Feb. 1, 2025, cardholders will be limited to 15 day passes per year, rather than four free passes per trip on an otherwise unlimited basis. Additional visits will cost $50 unless you spend $75,000 per calendar year to unlock unlimited access.

The Delta Air Lines SkyLounge at LaGuardia Airport.

Also noteworthy, a free status-qualifying “boost” for cardholders nets you $2,500 Medallion Qualifying Dollars (MQD) at the beginning of the year — getting you halfway to silver under the airline’s new qualification scheme. (You’ll also get 1 MQD for each $10 spent on the card; you’d earn Diamond status with some $280,000 in annual spending at that rate.)

That’s not to mention the more standard travel benefits: free checked bags, a 20% discount on in-flight purchases, a 15% mileage discount on award flights, priority boarding, travel insurance coverage and a credit for either Global Entry or TSA PreCheck.

Cheaper alternative: If lounge access is not important, the Delta SkyMiles Platinum Card offers a happy medium with a lower $350 fee yet fewer benefits. These include a $150 Delta Stays credit, $10 per month for both Resy and ride-sharing services, mid-tier Hertz status, and the same expanded companion certificate perks. In addition to the $2,500 MQD bonus each year, the card earns 1 MQD per $20 spent, plus further basic travel benefits.

Best for American Airlines flyers

Citi/aadvantage executive world elite mastercard.

Annual fee: $595

The quick sell: While American now lets you buy status with credit card spending on everyday purchases with any of its co-branded credit cards, only this one adds complimentary Admirals Club lounge membership. This ordinarily costs $850 — more than this card’s annual fee.

New fine print for 2024: The accrual period for AAdvantage points now stretches from March through February rather than from January through December.

The perks: Airport lounge access is where you extract value from this card; you’ll maximize it by adding up to three authorized users to your account. Setting this up comes with a $175 fee, but it extends your Admirals Club access to those users — and gives them the ability to bring two guests into the lounge as well. It’s great for family members you trust and travel with; lounge membership for four individuals could otherwise cost $3,400.

The Intercontinental Paris Le Grand hotel, one of many IHG properties that extend benefits to United Club Infinite cardholders.

Moreover, handy credits include $10 per month to use with Lyft and Grubhub, $120 toward Avis or Budget car rentals annually, and 20,000 bonus points when you spend some $90,000 on eligible purchases.

Cheaper alternative: While the unique ability to exchange points for AAdvantage miles with the no-annual-fee Bilt Mastercard will end on June 30, 2024, a new partnership with Alaska Mileage Plan makes this option appealing to Oneworld flyers at large. 

Bilt has quickly shaken up the industry by offering one point on everything, including rent and mortgage payments (typically not payable with other credit cards). This can help college-age consumers and young adults build credit while earning points.

Monthly promotions can help you earn and spend those points more efficiently, and the card has points-transfer partnerships with more than a dozen loyalty programs, including World of Hyatt and Air France-KLM Flying Blue.

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Huge 125K (Or Even 150K) Amex Business Gold Card Welcome Offer [Current Public Offer Is 70K]

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Huge Amex Business Gold Welcome Bonus Offer

Benefits of the amex business gold card, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

The American Express ® Business Gold Card is a powerhouse earner for business owners. It strikes a nice balance between having an annual fee that’s not sky-high while still providing valuable benefits.

The current public welcome bonus offer on this card is:

• Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.

However, we’ve seen offers for 125,000 points and even 150,000 points!

Let’s dive into these huge welcome offers.

Targeted offers are discussed in the article below. Please note that these offers are not available to all applicants. Any information related to targeted offers has been collected independently and has not been reviewed or provided by the card issuer.

As mentioned above, the current publicly available welcome bonus offer on this card is:

However, our writers have seen that American Express will offer an elevated offer directly to targeted applicants. As with all targeted offers, these offers aren’t available to all applicants, but here’s an example of a targeted offer we’ve found through our research directly through American Express — up to 125,000 and even 150,000 points !

Hopefully, you’ll be able to find an offer for 125,000 Amex points after spending $10,000 on purchases in the first 3 months of card membership . We value Amex Membership Rewards points at 2.2 cents each, which makes this 125,000-point offer worth $2,750.

The other offer we spotted was for 150,000 Amex Membership Rewards points after spending $10,000 on purchases in the first 3 months of card membership . This offer is worth a whopping $3,300, according to our valuations. If you’re targeted for this offer, consider yourself very lucky!

Both of these welcome bonus offers include a huge amount of American Express Membership Rewards points. These are some of our favorite types of points to use for business and first-class flights all over the world.

For example, you could transfer 150,000 Amex Membership Rewards points to Air France/KLM Flying Blue to book 3 one-way business class flights from the U.S. to Europe.

For some additional inspiration, check out these incredible ways to use Amex Membership Rewards points .

If you don’t see one of these elevated offers directly on the American Express website , check the CardMatch tool or look for a referral offer .

The Amex Business Gold card comes with lots of benefits that appeal to business owners, including supercharged points earning.

This card earns  4x Membership Rewards points on the top 2 categories in which your business spends the most every month  (up to $150,000 in combined purchases every calendar year):

• NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• NEW!  U.S. purchases made from electronic goods retailers and software & cloud system providers
• NEW!  Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

You’ll also earn 3x points on flights and prepaid hotels booked through AmexTravel.com … all that earning potential for an annual fee of $375 ( rates & fees ).

In addition to offering lots of ways to earn Amex Membership Rewards points , the Amex Business Gold card comes with benefits including:

• Up to $20 in monthly statement credits for purchases at FedEx, Grubhub, and office supply stores
• A monthly statement credit for a Walmart+ membership
• Access to The Hotel Collection
• No foreign transaction fees ( rates & fees )

The Amex Business Gold card is one of the best Amex business cards on the market. It offers flexible points-earning categories and perks that appeal to a wide variety of business owners. If you can find one of these elevated offers of up to 150,000 points, now is a great time to go for it.

For rates and fees of the American Express ® Business Gold Card, click here .

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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7 Best Hotel Credit Cards of 2024

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Whether on vacation or business, hotels can make or break your travel experience — and your budget as well.

Hotel credit cards can help alleviate some of that cost, or simply make your stay a lot more comfortable and enjoyable thanks to the many benefits they offer.

Here, we picked some of the best hotel credit cards from a variety of hotel chains that can reward frequent travelers and occasional vacationers alike.

Our Top Picks for Best Hotel Credit Cards of 2024

• Hilton Honors American Express Aspire Card — Best for Luxury Travel
• Hilton Honors American Express Card — Best No Annual Fee
• IHG One Rewards Premier Credit Card —Best Overall Value
• Marriott Bonvoy Brilliant® American Express® Card — Best for International Travel
• Marriott Bonvoy Business® American Express® Card — Best for Business
• Wyndham Rewards Earner® Business Card — Best for Small Businesses
• Wyndham Rewards Earner® Plus Card — Best for Budget Travel

Other Hotel Credit Cards We Considered

Best hotel credit cards reviews.

The companies in our top picks are listed in alphabetical order.

• High 14x points reward rate at Hilton properties
• $200 in flight credits (up to $50 each quarter) on qualifying airfare purchases
• Annual free night
• No TSA PreCheck or Global Entry statement credit

Terms apply. Please click here for applicable rates and fees.

Why we chose it: Hilton Honors American Express Aspire Card delivers on all fronts, from high point earnings to valuable statement credits, all for a very competitive annual fee in the luxury category.

The Hilton portfolio is one of the largest and most recognized in the world. The Hilton Honors American Express Aspire Card offers very high rewards for many different categories. This includes 14x points on Hilton purchases, the highest among the cards we researched. It also offers a high 7x points on select travel and U.S. restaurants.

Points aren’t the only way to save, though, as the card offers a variety of statement credits. Cardholders can get up to $400 in statement credits for their expenses at participating Hilton resorts, a $200 flight credit for qualifying flight purchases (divided into $50 each quarter) and a $100 property statement credit when booking a minimum two-night stay at Waldorf Astoria Hotel & Resorts or Conrad Hotel & Resorts. (Terms apply.)

There’s also a large amount of insurance coverage, including trip cancellation and delay insurance, baggage insurance plan and car rental loss and damage insurance*.

All information about the Hilton Honors American Express Aspire Card has been collected independently by Money.com

• 7x Hilton Honors Bonus points at the Hilton
• 5x points at U.S. supermarkets, U.S. restaurants and U.S. gas stations
• Car rental loss and damage insurance*
• No annual free night
• No trip cancellation/delay insurance

Why we chose it: The Hilton Honors™ Card by American Express’ high rewards on hotel spending as well as everyday categories make it one of the best options for consumers looking for a no-annual-fee hotel card. (Terms apply.)

The no-annual-fee card_name offers 7X Hilton Honors Bonus Points on eligible purchases made with your card at Hilton portfolio hotels and resorts. It also offers 5x on everyday categories like U.S. supermarkets, U.S. restaurants and U.S. gas stations, which makes earning free nights and other perks a lot easier than many of its competitors.

Cardmembers get automatic Hilton Honors™ Silver Status with the card, which earns you 12x additional points per dollar. After spending $20,000 in a calendar year, the card also offers a bump up to Hilton Honors™ Gold Status, which earns 18x points per dollar, totaling 25x Hilton Honors bonus points per dollar when using the card at Hilton hotels.

The card also offers purchase protection, extended warranty and car rental loss and damage insurance*. Unfortunately, it doesn’t provide flight or baggage insurance.

• Anniversary free night
• Low $99 annual fee
• TSA PreCheck(R), Global Entry or NEXUS statement credit every four years
• 5x points on travel, dining and gas
• No rental insurance

Why we chose it: The card_name offers some of the best rewards in its class, including an annual free night, a TSA PreCheck® statement credit every four years and 10x on IHG® purchases.

The IHG One Rewards Premier Credit Card has some of the best rewards and perks available among cards with annual fees in the $100 range.

This includes 10x points for purchases made at IHG® properties, which include well-known hotels such as the Regent, Intercontinental® Hotels and the Holiday Inn®, as well as lower cost options like Hotel Indigo® and Candlewood Suites®. In addition, cardholders get 10x points for being a hotel member and 6x bonus points for being a Platinum member, a status that’s granted automatically upon card approval.

Beyond the 10x points on hotel purchases, the IHG One Rewards Premier Credit Card offers 5x points on travel, dining and gas, providing big opportunities to accumulate points toward stays, room upgrades and more.

Like other cards on this list, it also offers a free night every year and a statement credit for TSA PreCheck®, Global Entry or NEXUS of up to $100 every four years, a unique benefit in this class.

The card also has a pretty broad suite of insurance coverage, including purchase protection, baggage delay insurance, lost baggage reimbursement and trip cancellation/delay insurance. It lacks any sort of rental insurance, however, which could be a bummer if vacations include a roadtrip.

• $300 Brilliant Dining Credit: up to $25 per month for eligible purchases at restaurants worldwide
• Global Entry or TSA PreCheck statement credit every four or four and half years
• Marriott International has properties in the most countries out of any hotel chain
• Airport lounge access with Priority Pass Select (enrollment is required)
• Very expensive $650 annual fee

Why we chose it: Marriott Bonvoy Brilliant® American Express® Card has a wide array of insurance coverage*, along with high-value statement credits and perks that could make up for its high annual fee.

If you have a long list of countries you want to visit, then this Marriott hotel card might be of interest. Marriott International the most countries out of any other hotel chain, with nearly 8,000 properties in 131 countries.

This card also provides a $100 fee credit every four years for Global Entry when you pay for the application with the card_name , which makes returning to the U.S. much smoother. Cardholders also have the option of receiving a fee credit every four and a half years for TSA PreCheck® (up to $85 through a TSA PreCheck® official enrollment provider). Keep in mind that, if approved for Global Entry, you’ll also be approved for TSA PreCheck® at no additional charge.

The card_name offers 6x points at Marriott properties and a $100 luxury property credit for qualifying charges at luxury hotels The Ritz Carlton or St. Regis. You can also earn 3x Marriott Bonvoy points at restaurants worldwide and on flights booked directly with airlines, along with up to $300 in monthly $25 statement credits for eligible purchases at restaurants worldwide.

There’s also a long list of insurance coverage for your travels, such as trip cancellation and delay insurance, car rental loss and damage insurance and baggage insurance plans*, among others.

After spending $60,000 in a calendar year on the card, cardholders get an Earned Choice Award (only one per year). This can be in the form of five suite nights awards, each of which can be redeemed for a room upgrade, a free night valued up to 85,000 points or $1000 when purchasing a Marriott Boutique Bed for your home.

As other cards on this list, the card_name offers an annual free night at participating Marriott Bonvoy® hotels.

• 4x points at restaurants worldwide and U.S. gas stations
• 4x points on wireless phone services from U.S. providers and on U.S. shipping services
• Free night award after each renewal month, plus additional free night after spending $60,000 in a calendar year
• $125 annual fee is higher than most competitors
• No flight cancellation/delay insurance

Why we chose it: The Marriott Bonvoy Business® American Express® Card offers the chance of two free nights each year and rewards business owners with 4x points on U.S. wireless phone and U.S. shipping services. (Terms apply).

The card_name offers 6x points at Marriott properties, as well as automatic Gold Elite Status.

In addition to points, Gold Status offers 25% more points than the regular member rate. Cardholders also get 15 Elite Night Credits each anniversary year, which helps reach the next step in the Marriott Bonvoy membership program (Note that you need 50 Elite Night Credits to reach Platinum Elite Status).

The card also offers 4x points for everyday spending and business-related transactions, such as worldwide restaurants, U.S. gas stations, and U.S. phone and shipping services.

When it comes to additional hotel perks, the Marriott Bonvoy Business® American Express® Card offers the usual annual free night reward, and a second free night after spending $60,000 in a calendar year. There’s also the Amex Business Card Rate, which is a 7% discount on eligible reservations as a benefit of being a Marriott Bonvoy® Member and a Marriott Bonvoy Business® American Express® Card Member when booked directly with Marriott. (Terms apply).

Insurance wise, purchase protection, extended warranty, baggage insurance plan and car rental loss and damage insurance* are included. Note, however, that it does not offer trip cancellation insurance.

• Receive 7,500 point bonus each account anniversary
• 6x points on gas
• 4x points on dining and groceries
• Automatic platinum level
• No insurance coverage

Why we chose it: Wyndham Hotels & Resorts has one of the broadest range of budget options among hotel chains in the USA, and their Wyndham Rewards Earner® Plus Card has enough rewards to take full advantage of it.

While most hotel chains have a very broad range of options, not all have budget hotels widely available nationwide. Wyndham Hotels & Resorts does. With multiple low-cost options such as Days Inn, Microtel Inn & Suites, Travelodge, Super 8 and more all over the country, cardholders will, more often than not, find a budget option for their travels.

The Wyndham Rewards Earner® Plus Card will increase savings even further as it offers 6x points on Wyndham purchases, as well as on gas. In fact, gas expenses alone could earn over 7,500 points in a year, enough to redeem for a night at various Wyndham properties, which might make this card even more appealing for road trip enthusiasts. On top of that, it also offers 4x points on dining and grocery stores (excluding Walmart® and Target®), as well as 1x point on all other qualifying purchases.

There’s also a 7,500 point bonus each anniversary year, which might be enough for a free night since, as mentioned above, Wyndham has multiple properties with rooms that can go for as low as 7,500 points. If redeemed for a go free® nights cardholders get a 10% discount, leaving 750 points in your account to start saving for the next one. (Do note that rooms for 7,500 points are not available at all participating hotels, so make sure there are rooms at this price where you’re going or save up for a costlier stay.)

There’s also a Wyndham Rewards PLATINUM upgrade, which includes perks such as free Wi-Fi, early check-in (upon request), Avis® and Budget® complimentary rental upgrades, and more.

Unfortunately, the card does not offer insurance or protection beyond standard fraud liability protection, so make sure to have insurance when you get those free rental car upgrades.

All information about the Wyndham Rewards Earner® Plus Card has been collected independently by Money.com.

• Annual 15,000 point bonus
• 8x on qualifying gas purchases
• 5x on marketing and select utilities
• No statement credits
• No travel-related insurance

Why we chose it: The Wyndham Rewards Earner® Business Card provides high rewards on both hotel purchases and business-related expenses for a modest annual fee, on top of a generous annual bonus that could be redeemed for up to two free nights.

This Wyndham card gives you 8x points at Wyndham, in addition to 12x points as a Diamond level member (automatic upon card approval) — this translates to 20x points per dollar when making eligible purchases at qualifying Wyndham properties.

The card is also roadtrip-friendly as it earns 8x points on gas, which is double what cards in its class offer, and still more than even the most premium cards. Making it even more convenient for cross country trips, Wyndham has the most properties in the U.S. of any hotel chain, and includes budget hotels such as Days Inn and Howard Johnson.

As far as business rewards go, you can earn 5x points on marketing and advertising, including most digital platforms like Google Ads and Facebooks, and on utilities, such as phones and electrical service.

Although it doesn’t offer an annual free night, the card does offer 15,000 bonus points each anniversary year. That can be redeemed for up to two nights, depending on the room cost (Wyndham rooms start at 7,500 points). Cardholders also get a 10% discount when redeeming points for go free® nights, a program that offers nights at a fixed points value, which could be 7,500, 15,000 or 30,000 depending on the hotel.

Unfortunately, there are no insurance policies other than cell phone protection and the standard fraud liability protection, which is this card’s biggest drawback. If you plan on traveling by plane a lot, consider other of our picks for a more comprehensive insurance package.

All information about the Wyndham Rewards Earner® Business Card has been collected independently by Money.com.

Best Western Rewards® Premium Mastercard®

• 40,000x points when you spend $5,000 every 12 billing cycles
• High 10x points in Best Western purchases
• Early check-in and late check-out (based on availability)

This card offers up to 20x points when booking at a Best Western, 10x through the card itself and 10x for being a Best Western Rewards® member (the card also gives automatic Platinum status). In addition to these high rewards, cardholders get 40,000 points after spending $5,000 with the card every 12 billing cycles, a very low spending requirement compared to others. However, the rewards aren’t high enough to make up for its $89 annual fee.

All information about the Best Western Rewards® Premium Mastercard® has been collected independently by Money.com.

Marriott Bonvoy Boundless® Credit Card

• One free night annually
• $95 annual fee is low compared to competitors
• 3x points on groceries, dining and gas up to $6,000 combined
• Spending cap on rewards

This Marriott card by Chase is a great option if you value the Marriott brand, which has the largest hotel network in the world. It offers 6x points at the Marriott, which can become 17x points thanks to member rewards and the automatic Silver Elite Status.

All information about the Marriott Bonvoy Boundless® Credit Card has been collected independently by Money.com.

World of Hyatt Credit Card

• Large suite of insurance coverage
• Discoverist status automatic upgrade
• Low reward rate
• $95 annual fee is too much for what it offers

The World of Hyatt Credit Card by Chase shines due to its coverage, which includes baggage delay insurance, lost baggage reimbursement, trip cancellation/delay insurance, purchase protection and rental collision waiver. While this is a large plus, its rewards are lackluster, especially given the card’s $95 annual fee.

All information about the World of Hyatt Credit Card by Chase has been collected independently by Money.com.

Best Hotel Credit Cards Guide

How do hotel credit cards work, how to choose the best hotel credit card, how to maximize the value of your hotel credit card, how to redeem your hotel credit card rewards, latest news on hotel credit cards.

A hotel credit card is a co-branded card issued by a hotel line and a financial institution such as Chase Bank or American Express®. These cards usually provide high reward rates for booking stays, buying tickets for shows or merchandise at all the hotels under the brand’s umbrella. These rewards are in addition to the ones you’ll get as a loyalty member, as these cards will automatically grant you member status with the brand.

Overall, hotel credit cards work just like regular credit cards, meaning you’ll have a credit line for an established amount that you can use, and you have to make at least a minimum payment each billing cycle.

Reward structures are similar to regular credit cards too, you earn a certain amount of points, statement credits or other miscellaneous benefits depending on how much you spend and where.

Here are some of the difference on how rewards work:

• Hotel credit cards offer more points than average credit cards do when you make eligible purchases at participating hotels, including at restaurants within hotel premises, gift shops and more.
• Points are added to the ones you get as an elite status member of the hotel brand, a status that also comes automatically with card enrollment. This increases the points earned significantly.
• Unfortunately, points tend to be limited to the particular brand instead of the issuer’s. For example, points earned through the IHG One Rewards Premier Credit Card, which is issued by Chase, can’t be used in the Chase Ultimate Rewards® portal.
• Points have drastically more value when redeemed for hotel purchases such as hotel stays or room upgrades when compared to statement credits or gift cards, for example.

Hotel benefits

Some offer other such as a free night every year, free breakfast, special discounts, priority booking, early check-in and much more depending on the hotel and the type of card. These, of course, will depend largely on the type of annual fee the card charges.

There are roughly four tiers of annual fees when it comes to cards. These are, typically, no annual fee cards, budget or low cost ($50-$99), mid-range ($150-$300) and luxury or premium ($350+).

Pros and cons of hotel credit cards

Hotel credit cards are packed with perks, but whether a card is worth it for you will depend on many factors. Here are some pros and cons to consider:

• Rewards at the hotel are very high and are added to rewards earned as a member
• Many cards offer at least one free night annually
• Hotel-related perks such as early check-in, free breakfast and room discounts
• Usually offer travel benefits like rewards for buying tickets, travel-related insurance and more
• Many of the major hotel brands have large networks of hotels for different budgets and locations
• High reward rates are typically limited to purchases within the hotel brand, not everyday spending
• Flight-related perks aren't as abundant as with more general travel cards
• Points tend to be much less valuable when redeemed outside of the hotel

Hotel credit cards vs. travel credit cards

While travel credit cards could encompass hotel, airline and general travel-focused cards, travel cards — such as the ​​Chase Sapphire Reserve® or the Capital One VentureOne Rewards Credit Card — usually reward you for a variety of travel-related expenses, for example, airline tickets and rentals, such as the. Hotel credit cards, on the other hand, are specifically designed to give you higher rewards and specific perks when you make purchases within their hotel line.

Travel cards

• Usually offer much higher rewards for travel purchases, including airfare and rental cars
• Can offer high rewards in hotels regardless of brand
• More versatility and options when transferring reward points
• Offer a wider variety of insurance policies, such as rental insurance and baggage protection
• Tend to have more bonus categories than branded hotel cards

Hotel cards

• Points earned at hotels surpass those of travel cards, which, at the most, grant 10x points, while hotel cards offer up to 14x, on top of points acquired through membership, totaling well past 20x points per dollar
• Have hotel-specific perks such as free stays, free Wi-Fi and free breakfast
• Bumps up your member status at the hotel chain, which in turn increases the amount of perks
• Points can be worth a lot more during specific times of the year or in specific hotels within the brand, depending on time, location and any deals available

Not all hotels are made equal, and neither are their credit cards or membership rewards programs. When choosing a hotel credit card, it’s important to take into account not just the card itself, but the hotels it works with.

1. Compare credit card basics

As with any other credit card, you should compare features like the annual fee, APR, the issuer and a baseline of the rewards offered.

As mentioned above, there are different tiers, according to the annual fee. Once you’ve decided how much you’re willing to pay, you can start to compare rewards, benefits, insurance and the hotel network. Once you’re comparing within each category, you’ll more easily find standouts that deliver far more benefits than their direct competitors.

2. Think about how often you travel

If you travel once or twice a year to visit family, you might enjoy the occasional free night, but a co-branded hotel card won’t be the best option for you. Instead, you can take a look at our best travel credit cards . With these cards, there are more travel rewards and benefits like higher points for ticket purchases, flight cancellation insurance and the such, along with higher rewards on everyday purchases.

However, if you travel often for work or you vacation a few times a year, you’ll probably really take advantage of all the benefits that come with a hotel credit card.

As you accrue points, you’ll go up in member status, get more free nights, and enjoy amenities like free Wi-Fi, discounts and priority booking. This could make your trips more comfortable and a lot cheaper.

3. Analyze rewards and perks

Once you have a list of the cards you’re strongly considering, you can start comparing their rewards. Remember, however, that points systems can vary greatly due to issuer, hotel brand and the actual hotel you try to redeem them at.

With this in mind, look at the versatility each hotel brand has. If their network is large enough and their affiliates cover a wider spectrum of budgets and locations, you can at least get an idea of how many options you’ll have when redeeming.

Consider the everyday spending categories the card rewards you for as well. If your goal is to amass enough points to get free nights or large discounts, you may benefit from high reward rates in categories such as gas, dining and grocery shopping. While some cards could look a lot more tempting than others due to that reward rate at the hotels, others could actually deliver more value through regular spending throughout the year.

4. Consider which hotel brand appeals to you the most

One of the main issues with hotel credit cards is that they’re made for a specific hotel chain. While they can be used for any type of purchase (including rival hotels), the highest reward rates and perks are limited to that brand.

The good news is that hotel chains actually have a lot of different hotels under their name, and some can range from very low cost rooms to fine hotels and luxurious villas in any part of the world. All the big names have thousands of properties across the globe, but all are different, so compare the range of options in terms of prices, locations and variety of properties and amenities. Also, see if you recognize any that you particularly enjoy, or that you already use frequently due to your traveling circumstances.

It’s also a good idea to look at the different perks each brand offers for its elite members. Most hotel credit cards grant a certain level of membership, but the benefits that come with it depend on the hotel’s membership program. Look into the details, whether the program offers free nights, free Wi-Fi, room upgrades or more. The program itself could be a deciding factor in your credit card choice.

Use for everyday expenses

One of the best and easiest ways to accrue points is to use your credit card regularly, not just at the hotel. In some cases, cards earn a lot of points for everyday purchases like groceries, gas and utilities. Also, some cards give large bonuses or other perks when a certain spending threshold is reached.

Use your annual free night

This doesn’t necessarily add to your points, but if the card offers a free night per year (and most do), make sure to not let it go to waste. If you don’t get the chance to travel or vacation, using this perk at the end of the year to relax or take a quick trip somewhere ensures that you truly take advantage of your benefits.

Look for transfer possibilities

While using your card within the hotel’s loyalty program is likely the best option, there are some cases in which transferring to a partner can increase the value of your points. Read the fine print and look for transfer partners in the card’s network to see if there’s a chance to get more for your points whether through converting them into miles or to a credit card issuer’s points system such as Chase Ultimate Rewards®.

Investigate which hotels waive resort fees

Resort fees can increase the standard room prices, sometimes significantly so. Some hotel brands waive these fees if you pay with points. Before choosing a card, look for specific hotels within the brand’s umbrella that do this.

Research prices and overall demand in different seasons

Hotel pricing changes constantly, and the same is true for the amount of points needed to get free nights or room upgrades. Stay on top of these changes to at least have an idea of when and where you can make the most out of your points.

How much is a hotel point worth?

Hotel points vary significantly depending on the card issuer and hotel brand, as well as how, when and where you redeem them.

While you can redeem points for a variety of things, such as gift cards, room upgrades or even retail deals through a hotel’s loyalty program, one of the most common and sought-after perks are free or discounted nights.

Here’s a table showing the approximate range of points needed for a free night in some of the most well-known hotel companies in the world.

Keep in mind, however, that the amount of points needed changes depending on the specific hotel chosen, the style of room, its location and when the points are redeemed as a room’s price can change drastically with the seasons.

Not all chains will have the lowest-cost rooms in the US (or any given country, for that matter) or at the time of booking. As mentioned above, it’s best to research each hotel chain and see what budgets they cover and where before making a final decision.

In most cases, points are automatically transferred from your credit card program to the hotel’s program after each billing cycle, although in some it might take up to 12 weeks for the transfer.

In order to redeem the points, you need to log into your hotel’s loyalty program and look for redemption options, such as hotel rooms, upgrades, gift cards or transfer points to partners such as airlines or even other hotel chains. You can also use your points to get higher membership status.

• The Biden administration is moving to ban and remove hidden fees in a wide array of industries. Read the details: Biden Moves to Ban ‘Junk Fees’ Charged by Banks, Hotels, Ticket Sellers and More
• Travel insurance is always a good choice, but it can add to the already high expense involved in traveling. Read our guide and learn How to Find Cheap Travel Insurance for Your Next Trip .
• Traveling with someone can raise the bill quite a bit. However, there’s an offer by Southwest Airlines credit cards that can help with that: This New Credit Card Offer Comes With a Very Rare (and Valuable) Travel Bonus
• If your spreadsheets aren’t quite cutting it and you’re having trouble budgeting and finding good deals on travel, This New Vacation Calculator Can Help You Choose (and Pay for) Your Next Trip

Best Hotel Credit Cards FAQs

What hotels have their own credit card, why is it important to have a hotel credit card, which card is best for hotel rewards, what rewards and perks can you expect with a hotel credit card, can you use a hotel credit card for everyday purchases, are there any fees associated with using a hotel credit card, how we chose the best hotel credit cards.

Finding the best hotel credit cards meant looking not just into the cards themselves, but into the different hotel chains that co-branded them, among other factors listed below:

Points and overall rewards

We compared the amount of points each card gave for eligible purchases at each hotel chain as well as points awarded for everyday spending categories such as dining or gas, which could make accumulating points much easier.

Hotel-specific perks

Points aren’t the only way to earn with hotel cards. We looked at the perks each card gives you within the hotel or in the process of booking, such as annual free nights, status upgrades, complimentary room upgrades and more. We also compared the perks that each separate hotel offers with the member status the card provides.

When traveling, insurance is a big deal. Hotel cards should have a good amount of coverage, such as trip cancellation and delay insurance, baggage insurance and rental insurance. There’s also other coverages for everyday spending such as extended warranty and purchase protection. We took these insurance policies into account when making our selections.

Welcome offers

Although welcome bonuses and intro offers in general change consistently, and we don’t include them in reviews, we looked at them to get an idea of what and how much each card regularly offers. Customers should be able to start enjoying their new card as soon as possible.

Summary of Money’s Best Hotel Credit Cards of 2024

To see rates and fees for the card_name , please visit this link . Terms apply.

To see rates and fees for the Hilton Honors American Express Card , please visit this link. Terms apply.

To see rates and fees for the Hilton Honors American Express Aspire Card, please visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility 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.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Baggage Insurance Plan: 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.

Car Rental Loss & Damage Insurance: 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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While shopping for Award Travel on delta.com or in the Fly Delta app*:

• Before completing your purchase, you will see a personalized offer for the Delta SkyMiles® American Express Card.
• Apply for a Delta SkyMiles® American Express Card. Upon approval, use your new Card to pay applicable taxes and fees for your booking and start enjoying all your Card benefits. TakeOff 15 benefit will automatically be applied at check out for qualifying Award Travel.

Or, explore our New Card Member offers and choose the Card that’s right for you. Learn More , opens in a new window

*Terms apply.  Discount not applicable to partner-operated flights or to taxes and fees.

Need to Make a Change to Your Award Travel Ticket?

Take advantage of this 15% savings when changing your Award Travel ticket with miles on Delta flights using delta.com or the Fly Delta app*. 

• Log into your SkyMiles account and select your itinerary within My Trips. Select Modify Flights and proceed to search for alternative flights on delta.com or in the Fly Delta app. 
• If your new flight qualifies for the TakeOff 15 benefit mileage savings*, you will see the savings automatically applied.
• Use your eligible Delta SkyMiles® American Express Card to pay for applicable taxes and fees for your booking.

*Discount not applicable to partner-operated flights or to taxes and fees

Terms and Conditions

Eligibility: Basic Delta SkyMiles Gold, Platinum and Reserve American Express Card Members, as well as Basic Delta SkyMiles Gold, Platinum and Reserve Business American Express Card Members (each, an “Eligible Card”), can get at least a fifteen percent (15%) discount off the mileage portion of an Award Ticket (the “TakeOff 15” benefit). Additional Card Members are not eligible. 

Available only if entire itinerary is on Delta and Delta Connection® carrier-operated and ticketed flights booked at delta.com or the FlyDelta app. Not available on flights operated by other carriers. Not available for Pay with Miles, Miles + Cash, seat upgrades purchased after the initial flight booking, or other Delta products or services. Discount only applies to the mileage portion of the Award Ticket fare and does not apply to applicable taxes and fees which must be paid using the Eligible Card. Card Member must be logged-in to a SkyMiles account linked to an Eligible Card to receive the TakeOff 15 benefit discount.  Mileage discount will be greater than or equal to 15% of the overall miles portion for the Award Ticket. An Award Ticket is a ticket issued by Delta pursuant to the SkyMiles Program Rules, by which SkyMiles members may redeem miles and pay applicable government-imposed taxes and fees in exchange for air transportation. All Award Ticket rules apply, as set forth on delta.com and in the specific terms incorporated into your Award Ticket. Award Travel is defined as travel using an Award Ticket. Award Travel seats are limited and may not be available on all flights or in all markets.

SkyMiles account balance must have sufficient miles for the entire Award Ticket(s) being purchased. TakeOff 15 benefit is not combinable with certificates, Delta eCredits, Delta Gift Cards, vouchers, or with any other discounts or promotional offers.

Award Ticket Taxes/Fees:  Award Ticket taxes and fees include only U.S. excise and departure/arrival taxes, airport charges, segment fees, the September 11th Security Fee, and international taxes and fees normally included in the Award Ticket.

Award Ticket Cancellations and Changes: In the event of a voluntary cancellation of the Award Ticket to which the TakeOff 15 benefit was applied, redeemed miles will be redeposited into the Card Member’s SkyMiles account, except for Basic Economy tickets. Current Award Ticket redeposit fees apply. Basic Economy cancellations will result in cancellation charge assessed in miles, as outlined in fare rules. Remaining miles after deduction of the cancellation charge will be redeposited to Card Member’s SkyMiles account. There is no discount applicable to the cancellation charge.    

If changing an Award Ticket after ticketing, discount is applied to the new Award Ticket (if eligible), and the difference in miles will be deducted from the Card Member’s SkyMiles account (if the new Award Ticket mileage amount is higher) or redeposited into the Card Member’s SkyMiles account (if the new Award Ticket mileage amount is lower).  Basic Economy tickets are not eligible for voluntary changes. SkyMiles Member must be an active Basic Delta SkyMiles, Gold, Platinum or Reserve American Express Card Member or Basic Delta SkyMiles Gold, Platinum or Reserve Business American Express Card Member at time that the Award Ticket is changed to be eligible for the TakeOff 15 benefit on the changed Award Ticket.

Miscellaneous: All SkyMiles Program rules apply to SkyMiles Program membership, miles, offers, mile accrual, mile redemption, and travel benefits. To review the rules, please visit Program Rules. SkyMiles Program and offers are void where prohibited by law, and terms are subject to change without notice. Other restrictions apply.

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How to maximize benefits with the Amex Platinum Card

Editor's Note

The Platinum Card® from American Express is among the best premium travel rewards cards available. Thanks to its generous benefits and its ability to earn valuable, transferable American Express Membership Rewards points , it can be well worth the annual fee of $695 (see rates and fees ) for many travelers.

The Amex Platinum's current public offer is 80,000 Membership Rewards Points after you spend $8,000 on purchases within the first six months of card membership.

While this is an excellent welcome bonus, you may want to check the CardMatch tool for targeted offers — we've seen Amex Platinum bonuses of 125,000 points floating around in the past (though those offers are subject to change without notice)

Beyond the welcome offer, it is the Amex Platinum's ongoing perks that can be even more valuable, including annual statement credits that can be worth up to $1,400 — or more if you really leverage them to their fullest.

Here's a rundown of how to maximize the benefits of the Amex Platinum Card.

Amex Platinum benefits overview

• Earn 80,000 Amex Membership Rewards points after you spend $8,000 on purchases on the card in your first six months of card membership
• Earn 5 points per dollar for flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year, then 1 point per dollar)
• Earn 5 points per dollar on prepaid hotels booked with American Express Travel
• Annual Uber Cash of up to $200 ($15 in Uber Cash to use on eligible orders with Uber Eats and rides with Uber in the US every month plus a bonus $20 in December, for U.S. services)*
• Annual airline fee statement credit of up to $200*
• Up to $200 back in statement credits each calendar year on prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings (the latter of which requires a minimum two-night stay) with American Express Travel when you pay with your Amex Platinum *
• Global Entry or TSA PreCheck application fee credit (up to $100 for Global Entry every 4 years or up to $85 for TSA PreCheck every 4½ years)
• Up to $189 back per calendar year on your Clear Plus membership (expedited security, subject to auto-renewal)*
• Up to $300 annual Equinox credit on select Equinox memberships when using your card (subject to auto-renewal)*
• Up to $155 annually in statement credits toward monthly Walmart+ membership fees ($12.95, plus applicable taxes, monthly; subject to auto-renewal; Plus Up is excluded)
• Up to $300 statement credit toward a SoulCycle bike (up to 15 bikes per calendar year); Must be enrolled in an Equinox+ membership to be eligible for this benefit
• Up to $100 annually at Saks Fifth Avenue : Up to $50 statement credits from January to June; up to $50 statement credits from July to December*
• Digital entertainment credit : Up to $20 in statement credits each month ($240 per calendar year) when you pay for eligible purchases with your card at one or more of the following providers: Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM ( ends May 7, 2024 ), The New York Times and The Wall Street Journal*
• Airport lounge access , including Centurion Lounges and Studio locations worldwide*
• Gold elite status with Marriott and Hilton *
• Complimentary car rental elite status with Hertz Gold Plus Rewards**, Avis Preferred and National Car Rental Emerald Club Executive*
• Various travel and shopping protections
• Cruise Privileges Program
• International Airline Program
• American Express concierge service
• ShopRunner membership *

*Enrollment required for select benefits, terms apply.

** Enrollment in the Hertz Gold Plus Rewards Program is required

Let's focus on the benefits with the potential highest value and how you can maximize them year after year.

$200 in Uber Cash

What it is: One of the more popular Amex Platinum perks is the annual Uber Cash of up to $200, allotted in $15 monthly increments except in December, when you'll get a $35 credit ($15 plus a $20 bonus) for U.S. services. For anyone who frequently uses the ride-hailing service or its food-delivery platform, it shouldn't be hard to get the full $200 in value from this benefit.

Make sure you add your Amex Platinum to your Uber account, and the credit will automatically be applied to your first domestic ride or food order each month.

Tips for maximizing: Note that these credits are only valid for Uber rides and Uber Eats orders in the U.S.

You don't have to pay your balance with an Amex card to get the discount, meaning you could use the card for the portion of a ride covered by the statement credit and then pay the rest of the fare using another card with better earning rates .

These credits expire at the end of each month, so you won't be able to roll over any unused credits.

$200 airline fee credit

What it is: With the Amex Platinum , you get up to $200 in statement credits toward incidental fees with one U.S. airline each calendar year. Enrollment is required.

Compared to other cards that offer airline fee or travel credits , the Platinum card's terms are limited. For instance, you must specify one eligible U.S. airline each year with which to use the benefit ahead of time, and the credit doesn't cover airfare.

Still, you can use your Platinum card to offset expenses ranging from luggage fees to seat selection, lounge access and more .

Tips for maximizing: You're technically limited to the airline you select for the entire calendar year, but reports indicate that you might be able to change your selection by contacting customer service (either on the phone or via online chat). Although Amex doesn't explicitly list which charges are eligible for this credit, it excludes the following expenses:

Airline tickets, upgrades, mileage and points purchases, mileage and points transfer fees, gift cards, duty-free purchases and award tickets are not considered incidental fees.

So try to stick within the parameters to avoid any issues.

$200 American Express Fine Hotels + Resorts credit

What it is: Another benefit of this card is the ability to make bookings through Amex Fine Hotels + Resorts program , which is available to Platinum , Business Platinum Card® from American Express and Centurion cardholders.

Amex FHR is essentially a travel portal that lets you book stays at a selection of luxury hotels and participating properties with a variety of benefits, including complimentary room upgrades when available, noon check-in when available, 4 p.m. checkout, daily breakfast for two, an experience credit worth at least $100 and more. At select hotels in the Amex FHR program, you can also enjoy a free night on multi-night stays — usually the third, fourth or fifth night.

Plus, you'll get up to $200 annually in statement credits when you book a prepaid rate through Amex Fine Hotels + Resorts with American Express Travel . (This benefit can also be used for stays of at least two nights at properties in the not-quite-as-prestigious The Hotel Collection .)

Tips for maximizing: Booking through Amex FHR and paying with the American Express Platinum could make sense for a shorter stay at an eligible property, especially with the on-property credit usually worth at least $100.

However, if you book a property with FHR that participates in a major loyalty program — like Marriott Bonvoy or Hilton Honors — you may not earn points on the stay or enjoy any elite benefits. Reports indicate that it sometimes happens, but since these reservations are technically through a third-party platform, you should be prepared to miss out on those perks.

Related: When to book through Amex Fine Hotels + Resorts vs. Chase Luxury Hotel & Resort Collection

Up to $100 Credits for Global Entry or TSA PreCheck enrollment fees

What it is: This is definitely one of the Platinum Card benefits you shouldn't leave on the table. You can get a credit to cover the application fee for Global Entry once every four years (up to $100) or TSA PreCheck once every 4½ years (up to $85). Both trusted traveler programs expedite your experience at the airport — at customs and immigration with Global Entry, and at security checkpoints with PreCheck.

Once you've applied and been accepted for Global Entry, you'll also be eligible for TSA PreCheck. Hence, Global Entry is generally the better option (although you'll need to add your Known Traveler ID number to all your frequent flyer accounts to enjoy the benefits of PreCheck).

Tips for maximizing: You must charge the application fee to your Platinum card to get the fee waiver. You'll only be able to take advantage of this perk every four years, but authorized users can also receive fee credits of their own. It costs $195 (see rates and fees ) to add up to three additional users to your card account — see our guide on adding Amex Platinum authorized users for more information.

Related: Global Entry vs. TSA PreCheck: Which is better?

$189 Clear Plus membership credit

What it is: Clear is a program that essentially lets you skip the serpentine queue at TSA security checkpoints. It has its own lane that allows you to input biometrics such as fingerprints or an iris scan instead of waiting in line to hand your ID and boarding pass to a TSA officer. Just take a few seconds at a Clear kiosk, and you'll be escorted directly to the big gray bins.

This card benefit gives you up to $189 back per calendar year on your Clear Plus membership — the exact price for which the membership retails. You may even be eligible for discounts thanks to any other associations you have, such as airline elite status with some carriers. However, as long as you have the Amex Platinum, you can receive free membership with Clear Plus.

Tips for maximizing: Families can maximize this perk by combining it with other discounts to all access Clear Plus together. For example, general members of both Delta SkyMiles and United MileagePlus can enroll in Clear Plus for $179 (it's even cheaper for those with elite status or cobranded credit cards). In addition, it costs $70 to add an adult family member to your account. And kids under the age of 18 can accompany adults for free.

As a result, if you sign up through Delta or United (for at most $179), add your spouse or partner (for $70), and then bring your child(ren) through the Clear Plus lane with you, you'll only pay $60 for the entire family's membership after your Amex credit.

Read more: Guide to using the new Amex Platinum Clear Plus benefit

$300 Equinox Credit

What it is: With the Amex Platinum, you'll get up to $300 back annually on select Equinox memberships or on a digital subscription to Equinox+, the on-demand fitness app. Subject to auto-renewal; enrollment is required.

Tips for maximizing: The most practical use is a digital subscription to Equinox+, $39.99 monthly, so you can take live and on-demand classes online.

$155 Walmart+ credit

What it is: Walmart+ is a service that confers an assortment of benefits as a Walmart customer, including:

• Free grocery delivery (must order at least $35 in products)
• Free shipping on non-grocery items (no order minimum)
• Discounts on prescriptions
• Discounts at Walmart and Murphy gas stations
• Included Paramount+ subscription

You'll receive up to $155 per year in credits toward Walmart+ when you pay for your membership each month (subject to auto-renewal). Membership costs $12.95 per month (plus any applicable tax), meaning this perk effectively equates to free Walmart+ membership as long as you have the card (though you might be responsible for local taxes and fees; Plus Up is excluded)

Tips for maximizing: Since the credit is issued monthly ($12.95 + taxes), ensure you're subscribed to the monthly membership instead of the annual one. Generally, the monthly membership is more expensive than the annual one, but your credit will fully cover the monthly cost.

Related: Fast shipping battle: We put Amazon Prime and Walmart+ to the ultimate test

$300 SoulCycle statement credits

What it is: You'll receive up to $300 in statement credits when you use your Amex Platinum to purchase a SoulCycle at-home bike . You can use this credit for up to 15 bike purchases per calendar year.

Tips for maximizing: This is one of the least useful credits on the card, but if you're interested in this particular perk, you must make your purchase through this link . If you purchase in a store or through the Equinox mobile app, you won't receive the $300 statement credit. Also, this credit will not offset any accessories you may purchase for the bike.

$100 Saks Fifth Avenue credits

What it is: This perk is available in the form of two up-to-$50 statement credits per year. Your first up to $50 statement credit can offset purchases from January through June; a second up to $50 statement credit is available from July through December. You must register your Amex Platinum card through your Amex online account to receive this benefit before purchasing.

Tips for maximizing: There is no minimum purchase required to trigger these new statement credits, so you could make a purchase of $50 (or less) once every six months and not owe anything out of pocket once the credit posts to your Amex Platinum account.

Related: Your guide to the Amex Platinum Saks Fifth Avenue credit

$240 digital entertainment credit

What it is: You'll receive up to $20 in statement credits each month when you pay for eligible purchases with your Amex Platinum at one or more of the following providers (enrollment required):

• The Disney Bundle
• SiriusXM ( ends May 7 )
• The New York Times
• Wall Street Journal

Tips for maximizing: You can get up to a $20 monthly credit, so you can stack multiple subscriptions to get the most value. For example, a Peacock subscription ($4.99 per month) and a Disney Bundle Basic subscription ($12.99 per month) will allow you to use about $216 out of the full $240 in statement credits each year.

Related: Best credit cards for streaming services

Centurion Lounge access and more

What it is: Cardholders enjoy complimentary access to American Express Centurion Lounges . If you've ever visited one, you'll know why this is a great perk.

These spaces offer gourmet food, craft cocktails and comfortable places to rest. If your home airport or others you travel through frequently have Centurion Lounges, this benefit alone might be worth getting the card — though these spots have seen crowding issues recently.

Tips for maximizing: The Amex Platinum Card also entitles you to Delta Sky Club access (during same-day travel with the airline; limited to 10 annual visits from Feb. 1, 2025), and you'll gain unlimited entry to Priority Pass lounges (although not restaurants ) and several others . Enrollment is required.

Elite status with Hilton and Marriott

What it is: The Platinum Card allows members to register for automatic Gold Elite status in the Marriott Bonvoy program along with Hilton Honors Gold elite status . Both hotel chains offer on-property benefits such as late checkout and bonus earnings on stays to elite members. Enrollment is required.

Tips for maximizing: Hilton Honors Gold elite status — which usually requires 20 stays, 40 nights or earning 75,000 Honors base points — includes an 80% points bonus on stays, provides complimentary breakfast (or an on-property credit ) at most hotel brands and entitles you to space-available upgrades.

Meanwhile, standout benefits of Marriott Bonvoy Gold Elite status — which usually requires 25 nights — include a 25% points bonus on stays, upgrades to enhanced rooms and free premium internet.

Car rental program elite status

What it is: In addition to Hilton and Marriott elite status, you'll get status with a few car rental programs . You'll get Avis Preferred Plus , Hertz Gold Plus Rewards President's Circle* and National Car Rental Emerald Club Executive status. You'll need to enroll for these benefits on the Amex website .

* Enrollment in the Hertz Gold Plus Rewards Program is required.

Tips for maximizing: Regardless of how often you rent cars, go ahead and register for these programs since doing so may allow you to skip the counter and/or get upgraded cars when you rent with these companies. With demand (and prices) for rental cars remaining high, having elite status may be a big help when getting the transportation you want.

Travel and shopping protections

What it is: American Express offers extensive shopping protections and travel coverage when you use your card to make eligible purchases. These protections include:

• Trip delay protection* : If your trip is delayed by more than six hours for a covered reason, you may be eligible to be reimbursed up to $500 per covered trip for reasonable additional expenses, at up to two claims per consecutive 12-month period
• Trip cancellation and interruption protection* : If you need to cancel or interrupt your trip for a covered reason, you may be eligible for reimbursement of up to $10,000 per covered trip and $20,000 per card per consecutive 12-month period
• Extended warranty** : Extends eligible manufacturer's warranties of five years or less by up to one additional year
• Purchase protection** : Protects recent purchases against theft, accidental damage or loss for up to 90 days from the purchase date, at up to $10,000 per claim and $50,000 per account per calendar year
• Return protection*** : If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price (up to $300 per item, up to a maximum of $1,000 per calendar year per card account)

*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 levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

***Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details.

Tips for maximizing: When making a purchase for which you might later benefit from shopping or travel protections, be sure to save your receipt. Start a claim as soon as possible if you need to use your card's protections.

Related: Our guides to Amex shopping protections and Amex travel coverage

Bottom line

Although the Amex Platinum isn't necessarily the best card for everyday spending , the average consumer should have no trouble recouping the annual fee thanks to its array of perks. Of course, if you spend more heavily on travel, especially if you're lucky enough to be able to charge reimbursable business travel to your personal credit cards, you may come out even further ahead.

Just make sure you know the terms of each benefit — including which ones require enrollment — so you can make the most of the card each and every year.

Apply here: The Platinum Card from American Express

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

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The Business Platinum Card ®

Annual Fee: $695 ¤

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How You Earn

[object object] [object object] [object object] on flights & prepaid hotels, [object object] [object object] [object object] on eligible purchases, [object object] [object object] [object object] on other eligible purchases ‡, [object object] [object object] [object object] 5x, on flights & prepaid hotels, [object object] [object object] [object object] 1.5x, on eligible purchases, [object object] [object object] [object object] 1x, on other eligible purchases ‡, unlock over $1,000 in business & travel value annually.

Enroll in each of the below and get statement credits of up to:

$200 back semi-annually for U.S. purchases with

See Details

Shop Dell Technologies

Upgrade your tech, enhance your business. Enroll and get up to $200 in statement credits semi-annually on U.S. purchases with Dell Technologies on the Business Platinum Card through 12/31/24. That's up to $400 back. ‡

$90 back per quarter for purchases with

Build Your Team with Indeed

Build your team, grow your business. Enroll and get up to $360 in statement credits(up to $90 back per quarter) for purchases with Indeed on the Card through 12/31/24. ‡

$150 back per year for select business subscription purchases with

Adobe Creative Solutions

Get the creative solutions your business needs. Enroll and get up to $150 in statement credits for eligible annual prepaid business plan purchases of Adobe Creative Cloud for teams or Adobe Acrobat Pro for teams on the Business Platinum Card through 12/31/24. 1 ‡

1 Annual prepaid business plans automatically renew each year on your annual subscription date until cancelled.

$10 back monthly for select purchases with U.S. wireless phone service providers

Wireless Credit

Enroll and get up to $120 in statement credits per year for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $10 back per month. ‡

$200 back per year for baggage fees and other incidentals with one qualifying airline

$200 Airline Fee Credit

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card Account. 1‡

1 American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.

$189 back per year for your CLEAR ® Plus Membership

$189 CLEAR® Plus Credit

CLEAR ® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports, stadiums, and entertainment venues nationwide. You can cover the cost of a CLEAR Plus Membership 1 with up to $189 in statement credits per calendar year after you pay for CLEAR Plus with your Business Platinum Card. ‡

1 Excluding any applicable taxes and fees. Subject to auto-renewal.

$400 Statement Credit

Up to $400 back (up to $200 semi-annually) on U.S. purchases with Dell Technologies through 12/31/24. Enrollment required. ‡

$360 Statement Credit

Get up to $360 back (up to $90 quarterly) for purchases with Indeed on the Card through 12/31/24. Enrollment required. ‡

$150 Statement Credit

Enroll and get up to $150 back for select auto-renewing annual business subscription purchases with Adobe on the Business Platinum ® Card through 12/31/24. ‡

$120 Statement Credit

Get up to $120 back per year for purchases with U.S. wireless telephone service providers on the Business Platinum Card. Enrollment required. ‡

$200 Statement Credit

Select one qualifying airline and receive up to $200 in credits per year for baggage fees and more. ‡

$189 Statement Credit

Breeze through security with CLEAR ® Plus. CLEAR lanes are available at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership when you use the Business Platinum Card. Learn More. ‡

Featured Benefits

The Global Lounge Collection ®

The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market ‡ 1 . 1 As of 3/2023

American Express Global Lounge Collection ®

Enjoy complimentary access to over 1,400 airport lounges globally, including The Centurion ® Lounge, Escape Lounges - The Centurion ® Studio Partner, Delta Sky Club ® when flying Delta, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass ™ Select Lounges, & Additional Global Lounge Collection Partner Lounges. Lounges may have their own rules, like age restrictions and guest fees, and for Priority Pass Select, you need to enroll. To find a lounge, visit the membership section in the American Express ® App ‡ or visit americanexpress.com/findalounge . ‡

Marriott Bonvoy ® Gold Elite Status

As a Business Platinum Card Member, you can upgrade to Marriott Bonvoy ™ Gold Elite status without meeting any stay requirements. Terms and limitations apply. ‡

Business Platinum Card Members and Additional Business Platinum Card Members may enroll (or upgrade an existing membership) directly into Marriott Bonvoy ® Gold Elite Status, bypassing the usual annual minimum night/stay requirements. Once enrollment is completed, the Card Member may take advantage of the Gold Elite benefits at hotels participating in Marriott Bonvoy and booked with a Qualifying Rate. ‡ With Gold Elite status, members enjoy: 1. 25% bonus points on eligible hotel purchases 2. A Welcome Gift of Points and Complimentary In-room Wi-Fi Access 3. Enhanced Room Upgrades at select properties (when available) 4. 2pm Late Checkout (when available)

Fine Hotels + Resorts ® Program

For every type of traveler and every type of trip, find your stay with American Express Travel. For hotels that are destinations unto themselves, there’s Fine Hotels + Resorts ® . ‡

Fine Hotels + Resorts Program

When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts ® . When you book through American Express Travel, you'll receive an average total value of $600 1 in perks, like daily breakfast for two, 4pm check-out, and more. Plus, book on AmexTravel.com and you can earn 5X Membership Rewards ® points ® , or use Pay with Points ® , on prepaid stays with a minimum 2-night stay required to be eligible for the benefit. 1 Average value based on Fine Hotels + Resorts bookings in 2022 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

All Benefits & Features

5x membership rewards ® points, the global lounge collection ®, $189 clear plus credit, fine hotels + resorts ® program ‡, fee credit for global entry or tsa precheck ®, no foreign transaction fees ¤, marriott bonvoy ® gold elite status, hilton honors ™ gold status, premium car rental privileges, business platinum travel service, trip delay insurance, trip cancellation and interruption insurance.

• Cash Flow Flexibility
• Expense Management
• Additional Services

Business Platinum Card ®

Annual fee: $695 ¤, get a decision in as little as 30 seconds.

• ♦︎ ‡†Offer & Benefit Terms
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