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The Guide to American Express Travel Insurance

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Table of Contents

American Express travel insurance vs. coverage provided by AmEx cards

Complimentary travel insurance provided by amex cards, trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, premium global assist, global assist hotline, standalone american express travel insurance plans, should you use the complimentary benefits or purchase a policy, amex travel insurance recapped.

You can get AmEx travel insurance via your card or as a standalone policy.

AmEx cards typically include coverage for trip delays, interruptions, cancellations, baggage and car rentals.

Coverage tends to be secondary.

Policies vary by card.

American Express has two different types of travel insurance offerings: standalone travel insurance plans that customers can purchase and travel insurance that is included as a complimentary benefit on certain cards. 

So if you’re thinking about getting travel insurance before a trip, get familiar with American Express travel insurance benefits that are included on your credit cards. Knowing what protections you already have will prevent you from spending money on a separate policy with benefits that overlap.

A standalone travel insurance policy from American Express may offer more robust coverage, but depending on your needs, the travel insurance perks provided by your AmEx card may be sufficient. 

If you primarily want specific coverage for cancellations, delays or rental cars and baggage, it’s likely your card will be enough.

For example, The Platinum Card® from American Express includes trip cancellation protection, trip interruption coverage, trip delay insurance, rental car insurance, baggage coverage and access to a 24/7 hotline called Premium Global Assist. Terms apply.

» Learn more: How The Platinum Card® from American Express travel insurance works

If, however, you’re mainly concerned with emergency health coverage while traveling , you’re better off with a separate medical insurance policy because the benefits provided by credit cards are limited in those areas.

You can purchase this from American Express directly or shop around other travel insurance companies .

» Learn more: How to find the best travel insurance

There are six travel insurance benefits offered on many American Express cards:

Trip cancellation and interruption insurance .

Trip delay insurance .

Car rental loss and damage insurance .

Baggage insurance plans .

Premium Global Assist Hotline .

Global Assist Hotline .

Here's a closer look at each.

Trip cancellation will protect you if you need to cancel your trip for a covered reason (more below), and you will be reimbursed for any nonrefundable amounts paid to a travel supplier with your AmEx card. Bookings made with Membership Reward Points are also eligible for reimbursement. Travel suppliers are generally defined as airlines, tour operators, cruise companies or other common carriers.

Trip interruption coverage applies if you experience a covered loss on your way to the point of departure or after departure. AmEx will reimburse you if you miss your flight or incur additional transportation expenses due to the interruption. American Express considers the following to be covered reasons:

Accidental injuries.

Illness (must have proof from doctor).

Inclement weather.

Change in military orders.

Terrorist acts.

Non-postponable jury duty or subpoena by a court.

An event occurring that makes the traveler’s home uninhabitable.

Quarantine imposed by a doctor for medical reasons.

There are many reasons that are specifically called out as not covered (e.g., preexisting conditions, war, self-harm, fraud and more), so we recommend checking the terms of your coverage carefully.

If you want a higher level of coverage for trip cancellation, consider purchasing Cancel For Any Reason (CFAR) travel insurance . CFAR is an optional upgrade available on some standalone travel insurance plans. This supplementary benefit allows you to cancel a trip for any reason and get a partial refund of your nonrefundable deposit.

Alternately, if you want what essentially amounts to CFAR insurance on your flights specifically, purchase your fares through the AmEx Travel portal and tack on Trip Cancel Guard for an extra fee. Trip Cancel Guard guarantees you an up to 75% refund on nonrefundable airfare costs when you cancel at least two days before departure, regardless of why. This isn't as comprehensive as other CFAR policies, but it can add some peace of mind for people who want the cash back (as opposed to a travel credit) for flights they may not take.

AmEx cards with trip cancellation, interruption coverage

The following American Express credit cards offer trip cancellation and trip interruption coverage:

The Platinum Card® from American Express .

The Business Platinum Card® from American Express .

Centurion® Card from American Express.

Business Centurion® Card from American Express.

The Corporate Centurion® Card from American Express.

The Platinum Card® from American Express for Ameriprise Financial.

The American Express Platinum Card® for Schwab.

The Platinum Card® from American Express for Goldman Sachs.

The Platinum Card® from American Express for Morgan Stanley.

Corporate Platinum Card®.

Delta SkyMiles® Reserve American Express Card .

Delta SkyMiles® Reserve Business American Express Card .

Hilton Honors American Express Aspire Card .

Marriott Bonvoy Brilliant® American Express® Card .

Terms apply.

Covered amount

The maximum reimbursed amount for the trip cancellation benefit is $10,000 per covered trip and $20,000 per year. The trip interruption benefit is also $10,000 per covered trip and $20,000 per year. Coverage is secondary and applies after your primary policy provides reimbursement. Claims must be filed within 60 days. To start a claim, call 844-933-0648.

This benefit will reimburse you for reasonable, additional expenses incurred if a trip is delayed by a certain number of hours. Examples of eligible expenses include meals, lodging, toiletries, medication and other charges that are deemed appropriate by American Express. It makes sense to use your judgment in terms of what will get approved based on your policy's fine print.

Acceptable delays include those that are caused by weather, terrorist actions, carrier equipment failure, or lost/stolen passports or travel documents. There are also plenty of exclusions, such as intentional acts by the traveler.

AmEx cards with trip delay insurance

The reimbursable amount depends on which card you hold, and you are allowed two claims per 12-month period. As expected, the more premium travel credit cards offer higher compensation for shorter delays. Trip delay insurance is offered on the following American Express credit cards:

When you decline the collision damage waiver offered by the car rental agency, you will be covered if the car is damaged or stolen through your AmEx Travel Insurance. Depending on the card you have, the coverage is $50,000 or $75,000.

» Learn more: How AmEx car rental insurance works

In addition, the cards offering car rental damage and theft insurance up to of $75,000 also provide secondary benefits:

Accidental death or dismemberment coverage.

Accidental injury coverage.

Car rental personal property coverage.

To qualify, you must decline the personal accident coverage and personal effects insurance provided by your car rental company.

The entire rental must be charged on the American Express credit card to receive coverage for car rental loss and damage. And keep in mind that you do still need liability insurance when making your rental car reservation (you may have this through your personal auto insurance policy), as these credit card-provided coverage options don't include personal liability.

AmEx cards with car rental coverage

American Express lists over 50 different cards on its site that come with one of the two forms of car rental insurance. Cards that link to the Tier 1 policies are the $50,000-coverage cards, and Tier 2 policies are the $75,000 cards.

The amount reimbursed is calculated as whichever is lowest:

The cost to repair the rental car.

The wholesale book value (minus salvage and depreciation).

The invoice purchase price (minus salvage and depreciation).

Here are some key exclusions to be aware of with this coverage:

These policies don't cover theft or damage that was caused by a driver’s illegal operation of the car, operation under the influence of drugs/alcohol or damage caused by any acts of war.

Policies don't cover drivers not named as "authorized drivers" on your rental agreement.

The benefit only covers car rentals up to 30 consecutive days.

Not all cars are included in the policy. Certain trucks, vans, limousines, motorcycles and campers are excluded from coverage.

Insurance protection doesn't apply in Australia, Italy, New Zealand and any country subject to U.S. sanctions .

You can file a claim online or call toll-free in the U.S. at 800-338-1670. From overseas, call collect 216-617-2500. Your claim must be filed within 30 days of the loss. Additionally, some benefits vary by state, so check the policy for your specific card.

» Learn more: The guide to AmEx Platinum’s rental car insurance

As an American Express cardholder, you are eligible to receive compensation if your luggage is lost or stolen. This benefit is in addition to what you may receive from the carrier. However, the AmEx policy is secondary, which means that it kicks in after the carrier provides any compensation for losses.

AmEx provides this insurance to "covered persons," who are defined as:

The cardmember.

Their spouse or domestic partner.

Their dependent children who are under 23 years old (there are age exceptions for handicap children).

Some business travelers (Tier 2 coverage only).

To qualify, all covered individuals need to be traveling on the same reservation and must be residents of the U.S., Puerto Rico or the U.S. Virgin Islands.

AmEx cards with baggage insurance

Naturally, the higher-end cards offer more protection — but even the basic cards have decent coverage. The compensation limits per person are as follows (note that the maximum payout per covered person for lost luggage is $3,000 on all of these cards).

Below are the limits for cardholders of the The Platinum Card® from American Express , The Business Platinum Card® from American Express , The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, Hilton Honors American Express Aspire Card , Marriott Bonvoy Brilliant™ American Express® Card, Centurion® Card from American Express and Business Centurion® Card from American Express:

Baggage in-transit to/from common carrier: $3,000.

Carry-on baggage: $3,000.

Checked luggage: $2,000.

Combined maximum: $3,000.

High-end items: $1,000.

And here are the coverage limits for cardholders of the American Express® Gold Card , American Express® Business Gold Card , American Express® Green Card , Business Green Rewards Card from American Express , Hilton Honors American Express Surpass® Card , Marriott Bonvoy™ American Express® Card, Marriott Bonvoy Business® American Express® Card , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Reserve Business American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Platinum Business American Express Card , Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Gold Business American Express Card , The Hilton Honors American Express Business Card :

Baggage in-transit to/from common carrier: $1,250.

Carry-on baggage: $1,250.

Checked luggage: $500.

High-end items: $250.

As of Jan. 1, 2020, the Hilton Honors American Express Card , The Amex EveryDay® Preferred Credit Card from American Express and The Blue Business® Plus Credit Card from American Express no longer offer baggage insurance protections.

AmEx also offers limited reimbursement for high-end items (coverage varies by card), such as:

Sports equipment.

Photography or electronic equipment.

Computers and audiovisual equipment.

Wearable technology.

Furs (including items made mostly of fur and those trimmed/lined with fur).

Items made fully or partially of gold, silver or platinum.

Claims must be filed within 30 days of your baggage loss. To file a claim, call 800-645-9700 from the U.S. or collect to 303-273-6498 if overseas. You can also file a claim online.

» Learn more: Compare travel insurance options: airline or credit card?

This benefit helps with events like replacing a lost passport, missing luggage assistance, emergency legal and medical referrals, and in some instances, emergency medical transportation assistance.

The service can also help you figure out important travel-related details like customs information, currency information, travel warnings, tourist office locations, foreign exchange rates, vaccine recommendations for the country you’re visiting, passport/visa requirements and weather forecasts.

AmEx cards with Premium Global Assist

Premium Global Assistance is offered on the following American Express credit cards:

Marriott Bonvoy Brilliant™ American Express® Card.

Services provided by Premium Global Assist Hotline

The hotline isn’t so much a concierge as a service that provides logistical assistance, which can include the following:

General travel advice

Emergency translation if you need an interpreter to help with legal or medical documents (cost isn't covered).

Lost item search if your belongings are lost while traveling.

Missing luggage assistance if an airline loses your luggage. The hotline will contact your airline on a daily basis on your behalf to help locate your bags.

Passport/credit card assistance if your credit card or passport is lost or stolen.

Urgent message relay if you need to contact a family member and/or friend in the event of an emergency.

Medical assistance

Emergency medical transportation assistance if the cardmember or another covered family member traveling on the same itinerary gets sick or injured and needs medical treatment (there are many conditions for this coverage; review your policy’s fine print).

Physician referral if you need a doctor or dentist (cardmember is responsible for costs).

Repatriation of remains in the event of death.

Financial assistance

Emergency wire service to get help obtaining cash (fees will be reimbursed).

Emergency hotel check in/out if your card has been lost or stolen.

Legal assistance

Bail bond assistance if you need access to an agency that accepts AmEx (cardmember is responsible for paying bail bond fees).

Embassy and consulate referral if you need help finding or accessing local embassies.

English-speaking lawyer referral if you’re traveling and need a list of available attorneys (cardmember is responsible for any legal fees).

To use this benefit, call the Premium Global Assist Hotline toll-free at 800-345-AMEX (2639). You can also call collect at 715-343-7979.

The main difference between the Global Assist Hotline and the Premium version is that some of the services that are fully covered by Premium Global Assist aren't covered in the more basic version (cited examples include emergency medical transportation assistance and repatriation of mortal remains).

AmEx cards with Global Assist Hotline access

The Global Assist Hotline is available to holders of the following cards:

American Express® Gold Card .

American Express® Business Gold Card .

American Express® Green Card .

Business Green Rewards Card from American Express .

Delta SkyMiles® Platinum American Express Card .

Delta SkyMiles® Platinum Business American Express Card .

Delta SkyMiles® Gold American Express Card .

Delta SkyMiles® Gold Business American Express Card .

Delta SkyMiles® Blue American Express Card .

Hilton Honors American Express Surpass® Card .

Hilton Honors American Express Card .

The Hilton Honors American Express Business Card .

Marriott Bonvoy™ American Express® Card.

Marriott Bonvoy Business® American Express® Card .

The Amex EveryDay® Preferred Credit Card from American Express .

Amex EveryDay® Credit Card .

Blue Cash Preferred® Card from American Express .

The American Express Blue Business Cash™ Card .

The Blue Business® Plus Credit Card from American Express .

You can call the Global Assist Hotline toll-free at 800-333-AMEX (2639), or collect at 715-343-7977.

If you don’t have any of the credit cards above and are thinking about purchasing a policy from American Express or just simply want to price compare to see if you get better perks by purchasing a policy, you can go to the AmEx travel insurance website and input your trip plans to build a quote. You’ll need to provide your departure and return date, state of residence, age of traveler, number of travelers covered by the policy and the trip cost per traveler. Then, you can select the option of choosing a package or building your own.

To see which plans are available, we input a sample $3,000, one-week trip by a 35-year-old from South Dakota. Our search result yielded four different plans ranging from $59 for a Basic plan to $208 for a Platinum plan.

Global medical protection (not included on AmEx cards)

Medical protection includes coverage for emergency healthcare and dental costs as well as medical evacuation and repatriation of remains . The limits increase as the plans become more expensive. Although AmEx cards offer an array of travel insurance benefits, medical coverage isn't included. So if medical protection benefits are important to you, a standalone travel insurance policy is what you’ll want to look for.

Travel accident protection (not included on AmEx cards)

Another benefit not included with AmEx cards is travel accident protection. This benefit provides coverage in case of death or dismemberment while traveling . Although this is a topic no one wants to think about, it's good to be familiar with this coverage. While travel accident protection isn’t offered on the Basic plan, all of the higher plans offer it.

Standalone policy benefits that are also included on AmEx cards

These elements of coverage are offered on the AmEx cards mentioned, although in some, the limits may be higher or lower.

Trip cancellation

The Basic plan only covers a trip up to $1,000, however, all the other plans cover 100% of the trip cost. To compare this with the perks included as a benefit on the cards, all AmEx cards that include trip cancellation coverage provide up to $10,000 per covered trip. Keep in mind that, all the cards included have annual fees and the card with the lowest fee is the Hilton Honors American Express Aspire Card , with a $550 annual fee. 

Trip interruption

Trip interruption coverage ranges from $1,000 on a Basic plan to 150% of trip cost on the Gold and Platinum plans. The trip interruption benefit offered by the AmEx cards is included on all the same cards that offer trip cancellation insurance, with the trip interruption limit capped at $10,000 per covered trip. 

Global baggage protection

If your luggage is lost or stolen this benefit will provide monetary compensation to reimburse you for your lost items. AmEx cards offer baggage coverage as a complimentary benefit, with the higher-end cards naturally providing higher limits. Interestingly, the cards with the lower annual fees (i.e. Hilton Honors American Express Surpass® Card , annual fee $150 ) have a high limit as well, offering a total combined limit for lost luggage of $3,000, which is higher than the coverage offered by the standalone Platinum plan.

Global trip delay

If your trip is delayed, you’re eligible for reimbursement of any necessary expenses incurred up to a specific limit. The Basic plan doesn’t offer this benefit, but all the other plans do, with the Platinum plan providing up to $300 per day (maximum of $1,000 per trip). This coverage is also included on the higher-end AmEx cards.

AmEx cards offer key travel insurance benefits: trip cancellation and interruption insurance, trip delay insurance, car rental loss and damage insurance, baggage insurance, Premium Global Assist Hotline (or Global Assist Hotline). However, they don't offer any sort of emergency medical coverage. This is pretty typical of travel credit cards, as the travel insurance perks they offer don't provide coverage for emergency health care costs.

If you’re looking for emergency medical coverage, you’ll need to purchase a separate policy, such as the standalone one offered by American Express. The other limits provided in the American Express travel insurance policy are comparable to what you get on the AmEx cards, so it makes sense to shop around to make sure that the benefits you’re paying for are sufficient for your needs.

» Learn more: What to know about American Express Platinum travel insurance

Yes, if you have one of the cards listed above. If you have a credit card that isn’t listed in this guide or the card is no longer available by American Express, call the number on the back of your card for more information. Generally, AmEx offers a number of travel insurance benefits on its credit cards that shouldn't be overlooked.

Yes, but it depends on which card you have. To qualify for reimbursement, the trip cancellation must be for a covered reason. Refer to the section "Trip Cancellation and Interruption Insurance" for a list of cards and explanations of covered reasons.

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a separate travel insurance policy . If you only need emergency medical coverage , there are policies that provide that as well.

Call the number on the back of your card to ask for guidance. Some benefits may require authorization from American Express before coverage kicks in, so make sure you follow all the correct steps for reimbursement.

Refer to the AmEx credit card policy for the specific benefit because it will include instructions for submitting a claim. If you cannot find the policy, you should call the customer service number on the back of your American Express card for more assistance.

Yes. American Express offers travel insurance as a benefit of some of its cards, but it also sells standalone coverage that you can purchase out-of-pocket. The latter tends to be more comprehensive and customizable to your needs.

No, you do not get automatic travel insurance with American Express. It is available as a benefit on certain cards. Refer to your terms and conditions to learn if you are covered.

American Express cards do not include medical coverage; instead, you will want to purchase a standalone travel insurance policy with medical protections, such as repatriation of remains or medical evacuation coverage .

American Express offers a solid range of travel insurance protection across its credit cards, with the premium cards providing the most coverage. However, if you need insurance benefits with higher limits, we recommend purchasing a

separate travel insurance policy

. If you only need

emergency medical coverage

, there are policies that provide that as well.

American Express cards do not include medical coverage; instead, you will want to purchase a standalone travel insurance policy with medical protections, such as

repatriation of remains or medical evacuation coverage

American Express travel insurance offers a wide array of benefits, especially on its premium cards. Knowing what benefits are available to you is important in the event of unforeseen circumstances. Determine whether an individual policy is a better fit for your risk tolerance than coverage that is included on an eligible card, then go from there.

All information about The Platinum Card® from American Express , Business Green Rewards Card from American Express , Delta SkyMiles® Reserve American Express Card , Delta SkyMiles® Platinum American Express Card , Delta SkyMiles® Gold American Express Card , Delta SkyMiles® Blue American Express Card , Amex EveryDay® Credit Card , Blue Cash Preferred® Card from American Express , Centurion® Card from American Express, Business Centurion® Card from American Express, The Corporate Centurion® Card from American Express, The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, The Corporate Platinum Card® and the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Platinum Card® from American Express, Business Green Rewards Card from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Blue American Express Card, Amex EveryDay® Credit Card, Blue Cash Preferred® Card from American Express, Centurion® Card from American Express, Business Centurion® Card from American Express, The Corporate Centurion® Card from American Express, The American Express Platinum Card® for Schwab, The Platinum Card® from American Express for Goldman Sachs, The Platinum Card® from American Express for Morgan Stanley, The Corporate Platinum Card® and the Hilton Honors American Express Aspire Card are no longer available through NerdWallet.

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

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent 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 $900 toward travel when you redeem through Chase Travel℠.

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℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

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

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

Overview of the travel insurance provided by these cards

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

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

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

• Chase Sapphire Reserve benefits guide
• Amex Platinum benefits guide

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

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

Trip delay insurance

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

*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.

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

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

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

Trip cancellation/interruption insurance

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

* 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.

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

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

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

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

Auto rental collision damage waiver

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

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

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

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

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

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

Emergency evacuation and transportation insurance

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

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

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

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

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

Lost luggage reimbursement

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

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

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

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

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

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

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

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

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

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

Reasons to use the Chase Sapphire Reserve

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

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

Reasons to use the Amex Platinum

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

OFFICIAL APPLICATION LINK: The Platinum Card from American Express

Bottom line

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

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

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

Additional reporting by Ryan Smith.

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

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How does the Amex Platinum’s travel insurance work?

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

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

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

Credit card travel protection benefits

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

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

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

Amex cards eligible for travel insurance

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

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

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

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

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

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

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

Trip Interruption and Cancellation Insurance

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

Trip Delay Insurance

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

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

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

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

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

Rental Car Insurance

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

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

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

Lost, Damaged, and Stolen Baggage Insurance

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

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

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

Delayed Baggage Insurance

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

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

Premium Global Assist

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

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

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

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

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

FAQ: Things to consider with trip protection benefits

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

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

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

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

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

Did you book an expensive cruise or tour?

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

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

Do you have third-party travel insurance?

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

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

Bottom line

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

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

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

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

Joseph Hostetler

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

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Best credit cards for travel insurance in 2024

Travel insurance benefits offered through credit cards can include trip cancellation and interruption insurance, travel delay coverage and lost luggage reimbursement. You must pay for travel with a common carrier with your respective card for complimentary travel insurance benefits to apply. While credit cards with travel insurance can help protect your trip, they come up short when it comes to protection for emergency medical expenses.

Our top recommendations

• card_name : Best travel insurance benefits overall.
• card_name : Best travel insurance benefits, runner-up.
• card_name : Best for premium benefits.
• card_name : Best for luxury travel.
• card_name : Best for food spending.
• card_name : Best for flat-rate rewards.
• card_name : Best with no annual fee.
• card_name : Best airline credit card for travel insurance.
• card_name : Best for Marriott Bonvoy.
• Hilton Honors American Express Aspire Card : Best for Hilton Honors.

card_name : Best travel insurance benefits overall

Chase sapphire reserve®, why we like it.

• Chase Ultimate Rewards points transfer to airlines and hotels.
• Get 50% more value for travel booked through Chase.
• Comes with $300 travel credit each year.
• Includes airport lounge access.
• No foreign transaction fees.
• Comes with generous travel insurance benefits.
• annual_fees annual fee.
• High variable APR.
• Requires very good or excellent credit.

Travel insurance benefits:

• Trip cancellation coverage worth up to $10,000 per person and $20,000 per trip.
• Trip interruption coverage worth up to $10,000 per person and $20,000 per trip.
• Trip delay coverage worth up to $500 per ticket (six-hour delay required).
• Baggage delay coverage worth up to $100 per day for five days.
• Lost luggage reimbursement worth up to $3,000 per passenger.
• Travel accident insurance worth up to $1 million.
• Primary rental car coverage worth up to $75,000.
• Emergency medical and dental benefits worth up to $2,500 when you're at least 100 miles from home.
• Emergency evacuation coverage worth up to $100,000.

The card_name Card has the best selection of travel insurance benefits of any credit card on the market today by far. Its coverage is broad and rewarding with included benefits for medical expenses and emergency evacuation you don't see from other travel credit cards.

This card also earns valuable Chase Ultimate Rewards points that can be redeemed for cash back, gift cards, merchandise or travel through Chase with 50% more value. Points also transfer 1:1 to airline and hotel partners like British Airways, Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

card_name : Best travel insurance benefits, runner-up

Chase sapphire preferred® card.

• Points transfer 1:1 to Chase airline and hotel partners.
• Get 25% more value for points when booking travel through Chase.
• Other flexible rewards options.
• Excellent earning rate for everyday purchases.
• Comes with a $50 annual hotel stay credit.
• Requires very good to excellent credit.
• No luxury travel benefits.
• Trip interruption insurance worth up to $10,000 per person and $20,000 per trip.
• Trip delay insurance worth up to $500 per ticket (12-hour delay required).
• Baggage delay insurance worth up to $100 per day for five days.
• Travel accident insurance worth up to $500,000.
• Primary rental car insurance worth up to the actual cash value of the car.

The card_name offers similar travel insurance protections as the Reserve, but with fewer benefits and some lower coverage limits. However, the annual fee on this card is just annual_fees , and users still earn valuable and flexible Chase Ultimate Rewards points.

This makes the card_name a good option for frequent travelers who want the chance to transfer their rewards to airline and hotel partners but want to keep costs down. Customers can also use their points to book travel through the Chase portal, or they can redeem for cash back, gift cards or merchandise.

card_name : Best for premium benefits

Capital one venture x rewards credit card.

• Earns flexible miles that transfer to Capital One airline and hotel partners.
• $300 annual travel credit.
• Airport lounge membership included.
• Excellent rewards rate for eligible travel purchases.
• Lower annual fee than other premium cards with airport lounge access.
• High APR if you carry a balance.
• Excellent credit required.
• Trip cancellation coverage worth up to $2,000 per person.
• Trip interruption coverage worth up to $2,000 per person.
• Lost luggage reimbursement worth up to $3,000 per covered trip ($2,000 per bag in New York).
• Trip delay insurance worth up to $500 per ticket (six-hour delay required).
• Primary auto rental coverage worth up to $75,000.

The card_name is a Visa Infinite card, so it includes a range of travel insurance protections you won't find with other cards. This flexible travel credit card also earns Capital One miles that can be used to book travel through Capital One or transferred to Capital One airline and hotel partners. Additional flexible redemption options include gift cards, statement credits, merchandise and more.

Other reasons to love this card include its $300 annual travel credit, airport lounge membership, cell phone protection and Hertz President's Circle status.

card_name : Best for luxury travel

The platinum card® from american express.

( Rates & Fees )

Insurance disclosures

• Trip Delay Insurance - Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. 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.
• Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
• Cell Phone Protection - Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. 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.
• Extended Warranty – When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. 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.
• Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
• Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 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.
• Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. 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 - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. 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.
• Earns flexible Amex Membership Rewards points.
• $1,500+ in statement credits each year.
• Broadest airport lounge membership available today.
• Very good to excellent credit required.
• Statement credits can be difficult to use.
• Trip cancellation coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip interruption coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip delay coverage worth up to $500 per trip (six-hour delay required).
• Secondary rental car insurance worth up to $75,000.

‌ card_name doesn't offer as many travel insurance benefits as other premium travel credit cards on our list, but it does offer more statement credits and the broadest airport lounge membership available from a credit card. This card also earns flexible American Express Membership Rewards points that can be used for travel through Amex, point transfers to Amex airline and hotel partners, gift cards and other flexible options. Terms apply.

card_name : Best for food spending

American express® gold card.

Trip Delay Insurance - Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
• Please visit americanexpress.com/benefitsguide for more details. 
• Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

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

Extended Warranty - When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

• Underwritten by AMEX Assurance Company.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 

Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Points transfer to Amex airline and hotel partners.
• Comes with up to $240 in statement credits each year.
• Generous rewards for food spending and airfare.
• High APR can apply.
• Baggage insurance plan worth up to $1,250 for carry-on bags and up to $500 for checked bags ($10,000 aggregate coverage limit for residents of New York).
• Secondary auto rental coverage worth up to $50,000 per rental agreement.
• Trip delay insurance worth up to $300 per covered trip (up to two claims allowed per 12-month period).

The card_name offers a few important travel protections, plus generous rewards for big food spenders. In addition to its impressive rewards rates for purchases at U.S. supermarkets and restaurants worldwide, this card also comes with up to $240 in credits per year that can apply to select dining purchases and Uber rides or Uber Eats food deliveries.

Cardholders with the card_name also earn American Express Membership Rewards points that are highly flexible and valuable when it comes to travel redemptions.

card_name : Best for flat-rate rewards

Capital one® venture® rewards credit card.

• Earns flexible rewards with Capital One.
• Miles transfer to Capital One airline and hotel partners.
• Excellent flat rewards rate.
• Fee credit for Global Entry or TSA PreCheck membership included.
• Primary auto rental coverage worth up to the actual cash value of a vehicle if you don't have your own insurance (secondary coverage if you have your own insurance)
• Lost luggage reimbursement worth up to $3,000 per trip ($2,000 per bag for New York residents)
• Travel accident insurance worth up to $250,000

The card_name offers a few travel insurance benefits that can help protect your trip. Cardholders also earn flexible Capital One miles that can be used to book travel through Capital One or transferred to airline and hotel partners. Rewards can also be used for statement credits, gift cards and other flexible options.

The annual_fees annual fee on this card makes it a steal when you consider the sign-up bonus you can earn, along with perks like a fee credit for Global Entry or TSA PreCheck membership.

card_name : Best with no annual fee

Chase freedom unlimited®.

• Generous cash back rate for everyday purchases.
• Comes with intro APR offer.
• Rewards points are flexible.
• Points do not transfer to Chase airline and hotel partners.
• High variable APR after intro offer.
• Charges foreign transaction fees.
• Trip cancellation coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Secondary auto rental coverage.

The card_name is an excellent choice for infrequent travelers who want protection for trip cancellation and interruption first and foremost. This card doesn't charge an annual fee, and it features incredible cash back rates in several everyday spending categories. Users even get an intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration , which can help them save on interest payments for more than a year.

card_name : Best airline credit card for travel insurance

United quest℠ card.

• Earns United miles that are redeemable for flights with United and Star Alliance partners.
• Comes with frequent flyer benefits.
• Earn PQP toward elite status.
• annual_fees annual fee applies.
• Rewards inflexibility.
• Trip cancellation coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Baggage delay insurance worth up to $100 per day for three days (six-hour delay required).
• Trip delay reimbursement worth up to $500 per ticket (12-hour delay or overnight stay required).
• Primary auto rental coverage worth up to the cash value of the vehicle.

While the card_name requires a annual_fees annual fee, this card comes with a robust selection of travel insurance benefits and frequent-flyer perks. Users also earn United miles that can be used for flights with United and partners to more than 1,200 destinations in 186 countries around the world.

This card also gives members the chance to earn PQP toward elite status with the United MileagePlus program.

card_name : Best for Marriott Bonvoy

Marriott bonvoy brilliant® american express® card.

Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• Automatic Platinum Elite status with Marriott Bonvoy.
• Includes a range of travel benefits and statement credit offers.
• Comes with airport lounge membership.
• Generous welcome bonus and earning rates.
• Trip cancellation insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip interruption insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip delay insurance worth up to $500 per trip (six-hour delay required) with a maximum limit of two claims per 12-month period.
• Baggage insurance plan worth up to $2,000 for checked bags and up to $3,000 for both checked and carry-on luggage ($2,000 per bag in coverage for New York residents with aggregate limit of $10,000).

The card_name offers a suite of impressive benefits Marriott Bonvoy enthusiasts will love, including annual dining credits, automatic Platinum Elite status, and a $100 property credit. Other cardholder perks help justify the annual_fees annual fee, including Priority Pass Select membership and the credit for Global Entry or TSA PreCheck membership.

This card also includes more travel insurance benefits than many other hotel credit cards on the market today.

Hilton Honors American Express Aspire Card : Best for Hilton Honors

Hilton Honors American Express Aspire Card

• Comes with automatic Hilton Diamond status.
• Range of hotel benefits and statement credits included.
• Comes with Priority Pass Select membership.
• Free night award each year.
• Several flight benefits included.
• $550 annual fee.

The Hilton Honors American Express Aspire Card offers a robust selection of benefits for air travel, airports and stays with the Hilton brand. While the $550 annual fee is high, perks like airport lounge membership, annual hotel stay credits and a free night award each year can more than make up for it. The included travel insurance benefits for this card are also generous, and they can be well worth having if you need to file a claim.

Best credit cards for travel insurance 2024: Comparison

How we chose the best credit cards for travel insurance.

To find the best credit cards for travel insurance, we looked at cards based on their included insurance benefits first and foremost. We gave preference to cards that offer trip cancellation and interruption coverage, as well as insurance for lost or delayed bags and travel delays.

We also looked for credit cards that offer the most lucrative rewards structures and welcome offers, as well as flexibility within their designated rewards programs. Other factors we took into consideration include annual fees and interest rates.

Choosing the best credit card for travel insurance: Where to begin

The best credit card for travel insurance can vary from person to person, and assessing each card based on the most important factors can help you in your search. Consider the following criteria as you select a credit card for your next trip.

Travel insurance benefits

The credit cards in this ranking offer complimentary travel insurance protections, although you have to pay for travel with your card for a trip to be covered. These benefits can include trip cancellation and interruption insurance, baggage delay coverage, lost luggage reimbursement, trip delay insurance, primary auto rental coverage and more. Some cards even offer limited coverage for emergency medical expenses and emergency medical evacuation.

Annual fees

Credit cards with the most benefits tend to charge annual fees of $395 to $695. Meanwhile, there are some credit cards with travel insurance that charge $0 to $95 per year.

Either way, you'll want to make sure any annual fee you pay is worth it based on the travel insurance benefits, rewards and other perks you receive.

Travel perks and features

Decide if you want premium travel benefits like airport lounge access, expedited airport security or annual travel credits. If you do want a travel credit card with all the bells and whistles, prepare to pay several hundred dollars in annual fees each year.

Customer satisfaction rankings

You can also look at customer service rankings from different card issuers to determine the quality of customer service you'll receive. Consider the customer service scores below from J.D. Power's 2023 U.S. Credit Card Satisfaction Study , which were assigned by using responses from 31,418 credit card customers from August 2022 through June 2023.

Eligibility by credit score

Note that the majority of credit cards with travel insurance require very good or excellent credit. If you have poor credit or fair credit, you should focus on improving your credit score and financial health before you apply.

Rewards programs

Finally, consider the rewards rates for cards you're looking at and the type of rewards you'll earn. You'll find that credit cards with travel insurance can earn cash back, flexible rewards for travel, airline miles or hotel points.

What does travel insurance from a credit card cover?

Credit cards with travel insurance can offer different protections with their own unique coverage limits and policy limitations. The most common types of travel insurance you can get with a credit card include:

• Trip cancellation coverage : This coverage can reimburse you for prepaid travel expenses when you must cancel a trip for a covered reason like the death of an immediate family member or a sudden illness.
• Trip interruption coverage : Interruption insurance can reimburse you for prepaid travel expenses when a trip must be interrupted for a covered reason, such as falling ill during your vacation.
• T rip delay coverage : This coverage can pay for sudden hotel bills or meals when a trip is delayed by at least six or 12 hours or a delay forces an overnight stay.
• Baggage delay insurance : Baggage delay coverage can pay for clothing, toiletries and other essentials when your bags are delayed by at least six or 12 hours.
• Lost luggage reimbursement : Insurance for lost luggage can reimburse you for your baggage and belongings when your luggage is lost in transit while in the care of a common carrier.
• Rental car coverage : This protection can be primary or secondary to your own insurance, and policy limits apply.
• Medical and dental expense coverage : This protection can pay for emergency medical and dental expenses you incur when traveling away from home.
• Medical evacuation coverage : This type of travel insurance can pay for transportation in a helicopter, an ambulance or a plane when you must be medically transported due to a health emergency.
• Travel accident insurance : This coverage can kick in if you lose your life or are accidentally dismembered during a covered trip.

Pros and cons of credit card travel insurance

Credit card travel insurance comes with its share of benefits that cannot be denied, but there are downsides that come with relying on a credit card for travel insurance protection as well.

Consider these pros and cons:

Pros of credit card travel insurance

• Complimentary coverage : The biggest upside of credit card travel insurance is the fact it's offered for free. You just have to pay for travel with your credit card (or your rewards points in some cases) for coverage to apply.
• Coverage limits can be high : Some credit card insurance protections come with high limits that are enough to cover most trips.
• Can apply to family members : The best coverages apply to the primary cardholder and other companions they're traveling with, including family members.

Cons of credit card travel insurance

• Low coverage limits in some cases : Some cards have relatively low travel insurance limits that may not provide enough protection when you need it most.
• Limited coverages with some cards : Some credit cards with travel insurance only have a few kinds, so they may leave you without important protections you need.
• Minimal protection for emergency medical expenses : Only one credit card offers travel insurance for emergency medical expenses (the card_name ), and this coverage is only worth up to $2,500 when you're traveling more than 100 miles from home.

Do you need additional travel insurance?

Whether you need to buy travel insurance that applies independently of what your credit card offers depends on the type of trip you're taking and how much it costs. If you're driving a few towns away to stay in a hotel, for example, you may be fine with credit card travel insurance. The same is true if you're flying to another state for a relatively inexpensive vacation.

If you're traveling internationally where your own health insurance won't apply, however, you'll likely want to purchase a travel insurance plan that includes robust protection for emergency medical expenses and emergency medical evacuation. Expensive trips may also need travel insurance with higher limits than you can get with credit card coverage.

Frequently asked questions (FAQs)

Do credit card companies sell travel insurance.

Credit card companies do not sell travel insurance, but plenty of reputable travel insurance providers do. If you're ready to compare plans, you can check out companies like Allianz, Travelex and World Nomads.

Is travel insurance worth it for international travel?

Travel insurance is essential for international travel if you want to have coverage for emergency medical expenses and emergency medical evacuation. After all, U.S. health plans do not work overseas, nor do government healthcare programs like Medicare.

Does my Visa card cover travel insurance?

The travel insurance protections you get with a credit card depend on the exact card you have.

How do I know if my credit card covers travel insurance?

Read over your credit card's guide to benefits to find out which protections are already included. You can also call your card issuer to inquire about coverage, but make sure they send you the information in the mail.

For rates and fees of the card_name , please visit URL .

AP Buyline has partnered with CardRatings for our coverage of credit card products. AP Buyline and CardRatings may receive a commission from card issuers.

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Is the Amex Business Platinum card worth it?

Amex business platinum card rewards, amex business platinum card benefits, amex business platinum card fees, rates & limit, how the amex business platinum card compares, is the amex business platinum card right for me, how do i apply for the amex business platinum card, faq: amex business platinum card.

Amex Business Platinum Card Review 2024: Is It Worth It?

• The Business Platinum Card® from American Express offers a chance to earn 5x points on travel and rack up points on everyday business spending too.
• Card members can benefit from more than $1,000 in statement credits every year.
• This card does come with an annual fee of $695 ( see rates and fees ).
• You can carry a balance for some charges with the Pay Over Time feature, but not for all.

At first glance, The Business Platinum Card® from American Express comes with a high admission price — its annual fee is almost $700. However, when you dig into the benefits, you find out that it also comes with more than $1,000 in statement credits annually and ample opportunity for earning valuable points. That’s especially true if you book travel for yourself or your employees regularly.

Find out more about this card to decide if it’s right for you in our Amex Business Platinum card review.

We’ll take a look at:

• How you can maximize rewards with this card
• What types of statement credits you can get
• Whether this is a charge card or credit card
• How to apply for the Amex Business Platinum card
• Excellent welcome offer
• Easy to earn points
• Great travel benefits
• No intro APR offer
• Hefty $695 annual fee
• High spending requirement for welcome offer

The Business Platinum Card® from American Express may be worth it for business owners who travel frequently and can take advantage of its premium travel benefits, such as Amex lounge access worldwide. It also comes with high point earnings on select purchases, which makes it a great option for businesses that spend on more than just travel.

However, this American Express card does come with a substantial annual fee of $695. This makes it less appealing for small businesses that don’t usually spend much on travel. In these cases, you may prefer another business credit card better suited to your organization.

Amex Business Platinum pros and cons

• A generous welcome offer
• 5x points on prepaid flights and hotels booked through American Express Travel
• Comprehensive travel benefits including access to Amex lounges worldwide
• Up to $1,400 in credits, including for airline fees, Dell purchases and more
• A high annual fee of $695
• A more complex rewards system that requires careful management and an understanding of your options
• Requires good to excellent credit

Learn more about the Amex Business Platinum card

Terms apply / Rates & fees

As the flagship business rewards card , the Amex Business Platinum offers an excellent rewards structure, especially if you book regular travel for yourself or your staff. 

Welcome offer

You can earn 120,000 Membership Rewards Points when you spend $15,000 in the first three months of holding this card. 

The value of rewards points depends on how and when you redeem them, but the average is around 1 cent per point. That means this welcome offer has a potential value of around $1,200.

Earn Amex Business Platinum rewards

You can earn valuable rewards points outside of the welcome offer too, including:

• 5x points when you book prepaid flights and hotel stays through American Express Travel
• 1.5x points on certain business expenses, such as electronic goods, construction and hardware expenses, software subscriptions and expenses and shipping
• 1.5x points on any purchase of $5,000 or more
• 1x points on all other purchases

Redeem Amex Business Platinum reward points

You can redeem Amex Platinum Business card rewards in a variety of ways, providing flexibility on how you use these perks. 

Some options include:

• Booking travel.  When you use your rewards to book through American Express Travel, you typically get the most value per point.
• Transferring points. Amex lets you transfer points to hotel and airline rewards programs, including Delta, Marriott Bonvoy and Virgin Atlantic. You need at least 500 points to transfer and must transfer in increments of 250 points.
• Shopping.  You can use your points to purchase gift cards and merchandise.
• Receiving a statement credit. Request a conversion to cash back and get a statement credit using your points.
• Donating to charity. In some cases, you can redeem points for charity donations—a benefit that could help with goodwill for your business. 

In addition to a pretty strong rewards structure, the American Express Business Platinum card offers some great benefits for business card members . 

Travel benefits

Amex is known for its travel cards , and the Amex Business Platinum is no exception.

Some travel benefits you can get with this card include:

• American Express Global Lounge Collection.  Platinum cardholders get access to Amex lounges across the globe, making business travel more enjoyable. 
• Marriott Bonvoy Gold Elite status. You can leverage our card membership status to upgrade to Elite status with this hotel rewards program without meeting stay requirements. That can help you earn free nights and other perks faster. 
• Hilton Honors Gold status.  Not a Marriott Bonvoy member? That’s okay because you get a similar benefit with Hilton’s hotel rewards program. 
• Fine Hotels & Resorts program.  When booking luxury and other hotel stays through American Express Travel, you can get hundreds of dollars in perks and upgrades, making any stay more enjoyable. 
• Travel insurance. By paying for travel expenses with your Amex Platinum Business card, you get automatic Amex travel coverage that helps mitigate losses due to delayed or canceled trips, interruptions during travel, damage to rental cards or lost or delayed baggage.

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.

Statement credits

The Amex Business Platinum card comes with a bevy of statement perks every year to help your business save money. 

Options include:

• Indeed statement credit. You can get up to $90 back each quarter on purchases you make with Indeed as you work to round out your staff. This credit opportunity is through December 2024.
• Dell statement credit.  Through December 2024, you can earn up to $400 on purchases with Dell in the United States. You can earn up to $200 semi-annually.
• Adobe statement credit.  If you use your Amex Platinum Business card to pay for an auto-renewing Adobe subscription, you can get up to $150 back in statement credits per year.
• Wireless services statement credit. You can get up to $120 back per year when you use your Business Platinum card to pay for services with a U.S.-based wireless phone carrier. 
• Airline fee credit.  You can get up to $200 in credits on airline fees, including baggage fees. You’ll need to choose one airline and spend with that airline to get these perks.
• CLEAR plus credit.  Earn up to $189 back on CLEAR Plus membership annually when you pay with this card.
• Global Entry or TSA PreCheck credit.  Get up to $100 in statement credit every 4.5 years to help cover the cost of either Global Entry or TSA Precheck .

Shopping protections

Using your Amex Business Platinum to make purchases for your company ensures you’re backed by numerous shopping protections.

These protections include:

• Extended warranty. When you use this card to purchase items that have a manufacturer’s warranty of five years or less, you get extended coverage for up to one year. That means if your business laptop, printer, copy machine, or other covered item breaks right after the manufacturer’s warranty is up — as often happens — you’re still covered. 
• Purchase protection. Use your Amex card to purchase items and get peace of mind knowing you can get reimbursed for losses if the item is damaged in an accident or stolen. This coverage is good for up to $10,000 per incident and a total benefit of $50,000 per year.
• Return protection.  If you can’t return your item to a vendor, you may be able to return it directly to Amex and get a refund. 
• Cell phone protection.  Amex coverage will reimburse you for replacement or repair of a damaged cell phone up to $800 total minus a $50 deductible. You can use this benefit up to two times annually as long as you are paying your cell phone bill with your Amex card.

So far, the Amex Business Platinum is stacking up to sound like a great option. But you need to understand the fee structure to know if all those rewards and statement credit opportunities actually end up profiting your business. 

Business Platinum Card from American Express fees

With Amex, huge perks and rewards usually come at a price, and that’s true with this card. The annual fee is $695. However, you can add up to 99 employee cards at no additional fee, and spending on those cards also earns rewards ( see rates and fees ).

Other fees you may pay with this credit card include:

• $39 or 2.99% of any past due balance when you make a late payment, whichever is greater
• $39 if your payment is ever returned

You won’t pay foreign transaction fees if you make purchases outside of the United States.

Business Platinum Card from American Express interest rates

With this card, Amex offers a Pay Over Time feature that lets you carry a balance over time at an APR of 19.49% to 27.49% variable, depending on your creditworthiness. This feature is only available on certain purchases and is limited by a Pay Over Time Limit, which works similarly to a credit limit. 

If you make late payments, you may be assessed a penalty APR of 29.99% variable for 12 billing cycles. The penalty APR applies if you make two or more late payments within 12 months, you have a returned payment or you fail to make a minimum payment at all within an entire statement cycle. 

Business Platinum Card from American Express credit limit

This card doesn’t come with a preset spending limit. The amount you can spend at any one time depends on your credit history and your management of American Express credit card accounts, including this one. As you demonstrate responsible account management, you can typically increase your credit limit . 

Note that the Pay Over Time benefit does come with a limit. This limit might also change as you demonstrate a responsible payment history. You can call Amex to discuss your limits and how much you would like to be able to spend.

While it’s one of the most costly when it comes to an annual fee, the Amex Business Platinum is among the top business rewards cards on the market. It offers plenty of statement credits, rewards opportunities and card member perks, and you may find that you get more benefits from this card than others.

The Business Platinum Card from American Express vs. American Express® Business Gold Card

For businesses that can’t maximize Platinum card perks, an American Express Business Gold Card might be a better option. The annual fee for this card is only $375 ( see rates and fees ), and you earn 4x points on two spending categories you select, 3x points on flights and hotels booked through American Express Travel and 1x points on other purchases. You can also get a welcome offer of 70,000 bonus points when you spend $10,000 in the first three months.

It’s worth noting that you can only earn 4x points in your selected categories on a total of $150,000 in spending annually. After that, spending in those categories earns 1x points. 

While the Business Gold card doesn’t offer quite the same level of perks and statement credits that the Platinum card does, you can still earn $155 in Walmart+ credit and $20 monthly credits for eligible business expenses. 

The Business Gold card also utilizes Pay Over Time features, and the rates and fee structures on this card are the same as they are for the Platinum card. 

Read our full Amex Business Gold card review

The Amex Business Platinum card holds a lot of enticing benefits, but it’s best for businesses that have higher spending budgets. If you’re only spending a few thousand each month, you probably won’t maximize the rewards and perks on this card, making that $695 annual fee a financial albatross.

Explore these alternatives if you’re not convinced the Amex Business Platinum card if the right fit for you.

• Capital One Spark business cards
• Chase business cards

You can learn more about the Amex Business Platinum card and apply online. The application typically only takes a few minutes and requires information such as your full name, Social Security or tax ID number, business name, address and contact information, and some basic information about your business revenue or finances. In some cases, Amex might ask for more information, and you may need to provide documents like tax paperwork or checking account statements.

This card requires good or excellent credit . People with credit scores of 700 or higher have the best chance of being approved for this card, but other factors, such as income and overall credit history, are factors in approval.

What credit score do you need for an American Express Business Platinum Card?

You need good or excellent credit to get approved for this card, and a higher score improves your chances. Look to apply for this card if you have a score of 700 or higher. If your score is lower, you may want to consider other options.

How much does the American Express Business Platinum Card cost each year?

The annual fee on this card is $695. However, if you maximize statement credit and rewards opportunities, you can balance out that cost and end up earning with this card.

Can you carry a balance on Amex Business Platinum?

Yes, you can carry some balances forward using the Pay Over Time feature. You must pay other balances off every statement cycle.

How do you redeem American Express Platinum points?

You can redeem American Express points earned with the Platinum card on travel, as statement credits or for various other purchases, including gift cards. Redeem points for travel via American Express Travel or by transferring the points to a hotel or airline loyalty rewards program that participates with Amex.

What type of business do I need to get an American Express Business Platinum Card?

Amex accepts applications from all types of business owners. You can apply as a sole proprietor even if you are the only employee of your business, for example. Whether you are approved has less to do with your business type and more to do with your credit history, business income and ability to make your statement payments.

What airport lounges do I have access to with my American Express Business Platinum Card?

Card members can access more than 1,400 airport lounges across the globe. That includes Aspire, Escape, Plaza Premium, Delta Sky Club and Priority Pass lounges. Some lounges require you to enroll in a program or be flying a certain airline that day.

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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Great deal: Buy travel insurance, get free Accor Plus Explorer membership, bonus MR points or miles

Buy an AMEX My Travel Insurance plan and enjoy an Accor Plus Explorer membership, Samsonite bag or eCapitaVouchers, plus 5,000 MR points or 2,500 KrisFlyer miles.

If you’re in the market for a travel insurance plan, American Express has launched an offer for its My Travel Insurance plan that’s well worth considering.

From now till 30 June 2024, customers can enjoy an Accor Plus Explorer membership (which comes with up to 50% off dining and one free hotel night) or a Samsonite luggage & S$50 eCapitaVoucher when they purchase an annual policy.

You can also enjoy an extra 5,000 MR points or 2,500 KrisFlyer miles when you make the purchase via my referral link , on top of the public gifts.

AMEX My Travel Insurance offer

From 2 April to 30 June 2024 , customers who purchase a My Travel Insurance policy can enjoy the following gifts:

On top of this, American Express cardholders who purchase their plans (whether single-trip or annual) via my referral link will enjoy bonus Membership Rewards points or KrisFlyer miles. Do note this offer is currently only available till 17 April 2024 , but could be extended further. 

5,000 MR points are worth 3,125 KrisFlyer miles (2,777 KrisFlyer miles if you have the Platinum Reserve or Credit Card), and you can convert them to hotel or other airline points if you wish, so I’d recommend going for that offer if you have one of the Platinum cards.

If you ask me, the sweet spot here is the Accor Plus Explorer membership offered for APAC plans. Here’s a quote for an annual Asia Pacific plan for one adult, which costs S$453.

The Accor Plus membership retails for S$418 (though there’s several sales a year where you can buy it for slightly less), so it’s like topping up a little to enjoy an annual travel insurance plan too.

The My Travel Insurance Superior plan offers up to S$500,000 coverage for accidental death and permanent disablement, up to S$2 million for overseas medical expenses or personal liability, S$20,000 for travel cancellation or curtailment, S$1,000 of rental car excess, as well as COVID-19 protection. 

Miles chasers will be pleased to know that the plan also offers up to S$20,000 coverage for the loss of frequent flyer points, in the event your inability to travel leads to them being forfeited (e.g. if you book a KrisFlyer Spontaneous Escapes award, which cannot be refunded, or if you’ve booked a hotel with points and are inside the cancellation window). 

Terms & Conditions

Below you’ll find links to the factsheet, policy wording, FAQs and T&Cs for this offer. 

• My Travel Insurance Factsheet
• My Travel Insurance Policy Wording
• My Travel Insurance FAQs
• My Travel Insurance Promotion

The Accor Plus membership, Samsonite luggage and eCapitaVouchers will be fulfilled within eight weeks of purchasing the plan. The bonus MR points or KrisFlyer miles will take up to 12 weeks for fulfillment.

How to purchase a plan

When you click on my referral link , you’ll be prompted to enter your AMEX card number. This will confirm which reward (5,000 MR points or 2,500 KrisFlyer miles) you qualify for. 

After that, you’ll be able to select the plan you wish to purchase- My Travel Insurance Annual Multi Trip in this case. Click on that and proceed as per usual. 

The promo code field will be automatically populated with SUMMERFUN , and you’ll see that the regular gifts still apply, just as if you were going via the public website.

Do you earn miles or points on your purchase?

While American Express no longer awards points for insurance payments in general, there’s an exception carved out for “payments made for insurance products purchased through American Express authorized channel”.

My assumption would be that My Travel Insurance purchases qualify, and if that’s the case you’ll be able to earn your usual general spending rate, on top of the 5,000 MR points or 2,500 KrisFlyer miles bonus for referrals. 

What’s the benefits of Accor Plus?

Accor Plus is a dining and lifestyle membership that offers members discounts on hotel stays and restaurants across Asia Pacific. 

Standard Accor Plus benefits include:

• 10% off best available public rate
• Up to 50% off member exclusive room rates with with Red Hot Room offers
• 25% off dining: 1 member only
• 50% off dining: 1 member and 1 guest
• 33% off dining: 1 member and 2 guests
• 25% off dining: 1 member and 3 guests
• 15% off drinks bill in Asia
• Member exclusive More Escapes stay packages
• Early access to global Accor hotel sales
• Members’ exclusive experiences
• 20 status nights each year

Some examples of participating Accor Plus restaurants in Singapore include Prego, Mikuni and Asian Market Café at the Fairmont, SKAI, The Stamford Brasserie, CLOVE, at Swissotel and The Cliff and Kwee Zeen at the Sofitel Sentosa Resort.

Don’t forget that your dining benefits apply overseas too- even on breakfast. You’ll often find that it makes more sense to book a non-breakfast rate and then purchase breakfast at 50% off at the hotel itself. 

Stay Plus certificates are offered to Explorer (1 certificate) and Explorer Plus (2 certificates) members Each Stay Plus certificate can be used for a one-night stay at participating hotels across Asia Pacific. Obviously, you’ll want to save this for a high-end chain like Sofitel or Mondrian, and steer clear of the cheaper ones. 

Do note that Stay Plus nights are subject to blackout dates, and you may not always be able to get the hotel you want.

I’ve written a comprehensive guide to using your Stay Plus benefit, which can be found below.

How does the Accor Stay Plus free hotel night benefit work?

American Express is now offering an Accor Plus membership, Samsonite luggage or eCapitaVouchers to customers who purchase a My Travel Insurance plan, with the best gifts reserved for annual policies. 

On top of this, you can enjoy 5,000 bonus MR points or 2,500 KrisFlyer miles if you’re an AMEX cardholder. 

With both COVID-19 and loss of miles and points covered under this policy, it’s a deal well worth considering if you’re in the market for an annual travel insurance plan. 

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What happens if i already have another Accor plus membership from Vantage?

Give it to a family member. By right you can only have one membership at a time

Does this apply to payment with HighFlyer card?

you can buy with highflyer if you want, but there’s no referral bonus in that case. just the accor plus/luggage.

If spouse and I buy Worldwide annual plan, can 1 person take Accor gift, 1 person take something else? Meaningless to have 2 Accor membership in the household

Can use Amex True Cashback card to buy and get KF points?

A very honest friend who did got it from Chubb found it difficult to make a claim. When there is such nice embellishments, I wonder what is covered and not covered in the fine print. Sheep hair only grow on a sheep. Will give it a miss.

Claim what?

It was for an overseas accident with all the medical certificates and the cost was maybe USD 75. After many questions and rounds, they refused to pay. We have better experiences with AIA, AIG and Income. No questions just pay for a small amount. The impression we got was that they are just making it difficult. As what I said before, if they have a lot of goodies…I will be more careful with the fine print. The key to me is still the coverage and support to choose the insurer.

seems apply single trip also make sense, you can get 50$ ecapita voucher. Is this only valid for one time or i can apply multiple times (have multiple trips this year)

you receive one gift per policy purchased

For Sup card members, will they also get the gift and free miles?

Aka the main card buy 1 policy and the sup card buy another policy?

would like to know this as well!

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Global Entry Fee Is Increasing to $120, but Kids Will Be Free

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$20 Fee Increase, Fee Waived for Minors

How to apply for global entry, step-by-step, the platinum card ® from american express, ihg one rewards premier credit card, bank of america ® premium rewards ® credit card, final thoughts.

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On October 1, 2024, the enrollment fee for Global Entry will jump to $120. This is the first fee hike in 15 years, according to the agency.

For the next 6 months, you’ll be able to apply for Global Entry at the current $100 cost. Global Entry is one of the best expedited security programs as it also includes the benefits of TSA PreCheck. And with the right credit card, you can get the fee completely waived.

While a fee increase isn’t great news, there’s a very positive change that’s also happening on October 1, 2024 — minors under 18 years old will have their application fees waived when a parent or legal guardian is already a member of, or is applying for, Global Entry.

Here’s what you need to know about the application process for Global Entry, and what credit cards offer enrollment credits.

The U.S. Customs and Border Protection (CBP) agency has announced price hikes to its Trusted Traveler Programs . The application fee for Global Entry , NEXUS , and SENTRI will all increase to $120 for a 5-year membership on October 1, 2024 . Also beginning in October, kids under 18 will have their fee waived if a parent or legal guardian is already a member of one of these programs or is concurrently applying.

This jump in cost is for “continuation and management of the programs.” This is a different direction than the TSA PreCheck program which cut its price from $85 to $78 for a 5-year membership in 2022.

But with Global Entry containing all of the benefits of TSA PreCheck, it still will be the best value for travelers — even if flying internationally isn’t a regular part of your schedule.

I always recommend Global Entry , even if you only may travel internationally 1 to 2 times per year. It’s a small investment to make your travel experience much easier. In instances where customs can get extremely backed up, having access to an expedited security membership could potentially save you hours of time.

And since children will soon be free, you can potentially get even more value out of your Global Entry membership if you travel with kids.

The application fees for 3 trusted traveler programs — Global Entry, NEXUS, and SENTRI — are increasing to $120 on October 1, 2024.

Applying for Global Entry is a simple process, but will take about 15 minutes as the application asks many questions, including previous employers, residences, and more.

Here’s where to get started:

1. Visit the CBP website.

2. When you reach the next screen, be sure to select Global Entry, the second option from the left. When you hit Apply Now! , you’ll see a page that looks like this:

3. You will then create a log-in, and begin your application process.

At the very last page of the application, you’ll be prompted to put in your card information. While you can use your preferred debit or credit card, there are cards available that have enrollment credit waivers. This means that when you use the right card, you can get a statement credit for the cost.

If you pass the background check, you will be given preapproval. You will then need to schedule an interview and visit a Global Entry Enrollment Center. The interview only takes a few minutes, and approval is often immediate.

The final step after approval is to find your Known Traveler Number . Once you have this, you can enter this number when you purchase flights, and you will be able to stroll through either TSA PreCheck or Global Entry lines for the next 5 years .

Credit Cards with Global Entry Credits

There are many credit cards that come with Global Entry credits , so be sure to look around for one that fits your criteria. Here are a few of my favorites.

The Amex Platinum card comes with a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck. Additionally, the card also offers CLEAR Plus credit of up to $189 annually for the separately operated CLEAR security program . With both enrollments, you can quickly choose which line is shorter and zoom your way to your gate.

The card also comes with a myriad of other benefits, including lounge access , travel insurance , and more.

However, the card does have a steep $695 annual fee ( rates & fees) .

The IHG Premier card is a solid hotel credit card for those who enjoy IHG brands like Holiday Inn and InterContinental . The card comes with benefits like an annual free night certificate and IHG One Platinum Elite status , and also has a $100 credit towards either TSA PreCheck or Global Entry.

In fact, I used my IHG Premier card to renew my Global Entry membership a few months ago, and it was an extremely simple process. This is what the end payment (and credit) looked like on my statement:

The Bank of America Premium Rewards card has a much lower annual fee than the Amex Platinum card, but still comes with the same $100 credit towards applying for TSA PreCheck or Global Entry.

In addition, the card comes with $100 in airline incidental statement credits for purchases like seat upgrades, baggage fees, inflight services, and more.

The card has a modest $95 annual fee, which can be easily earned back by using just these 2 benefits.

The cost of Global Entry is increasing from $100 to $120 beginning in October. However, it’s unclear whether the credit cards that offer a Global Entry application fee credit will update their benefits to cover the entire cost or will cap the credit at $100.

Global Entry is a great way to save time and headaches at the airport. And with several credit cards offering a Global Entry application fee credit, it’s a smart choice. Beginning on October 1, 2024, the fee to apply for Global Entry is increasing from $100 to $120. Additionally, starting on that day, kids under 18 will be able to apply for free as long as a parent is applying or is already a member.

The information regarding the Bank of America ® Premium Rewards ® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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

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About Brett Holzhauer

Brett is a personal finance and travel junkie. Based out of Fort Lauderdale, he’s had over 100 credit cards and earned millions of credit card rewards. He learned the tricks of the trade from his mom, and has taken many steps forward. He wasn’t exposed to much travel as a kid, but now has a goal of reaching 100 countries in his life. In 2019, he sold all of his possessions to become a digital nomad, and he says it was one of the best decisions he ever made. He plans to do it again at some point in his life.

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Explore the American Express Business Platinum Card’s New Benefits

By Megan Doyle | American Express ® Freelance Contributor 6 Min Read | October 11, 2021

The Business Platinum Card ® from American Express has long been recognized as one of the top premium travel cards for businesses. Known for its value for frequent business travelers – especially those who want to add some luxury to their travels – the Card offers a variety of travel benefits to support your comfort, productivity, and wellness while on the road.

But running a business relies on more than travel. To better meet the all-around needs of your company, the Business Platinum Card has expanded on its already prominent travel rewards and perks to include a number of new and powerful business benefits, including more opportunities to earn Membership Rewards® points and a suite of valuable statement credits.

Terms apply to all benefits listed below and all offers are subject to change.

Take Your Business Further with American Express Business Platinum’s New Benefits

Although business travel is vital for many companies, not all business is conducted on the road. A robust business credit card should offer value for companies and their employees regardless of whether they’re traveling to a conference, entertaining clients, working at home, at the office – and everywhere in between. That’s why the reinvented Business Platinum Card includes rewards for everyday business spending, not just travel.

Businesses can now earn 1.5 Membership Rewards points per dollar on key business categories, including eligible U.S. purchases at:

• Construction materials and hardware suppliers.
• Electronic goods retailers, software and cloud systems providers.
• Shipping providers.

Businesses can also get 1.5X points on eligible purchases of $5,000 or more everywhere else. That’s 50% more points, on up to $2,000,000 of these purchases per calendar year. After that, business Card Members will earn 1X point per dollar spent.

Beyond points, the Business Platinum Card offers a suite of new and enhanced business benefits that, when combined, can deliver over $1,000 in value through annual statement credits – all for services that can help run your business better.

• Dell Technologies Benefit: Upgrade your tech, enhance your business. Enroll and get up to $400 in statement credits per year toward U.S. purchases with Dell Technologies on the Business Platinum Card. That’s up to $200 back semi-annually.
• Indeed Benefit: Build your team, grow your business. Enroll and get up to $360 in statement credits per year for purchases with Indeed on the Business Platinum Card. That’s up to $90 back per quarter.
• Adobe Benefit: Get the creative solutions your business needs. Enroll and get up to $150 in statement credits per year for purchases with Adobe on annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign on the Business Platinum Card. Annual prepaid plans automatically renew each year on your annual subscription date until cancelled.
• Wireless Credit : Wireless connection is a vital piece to keep your business running. Earn up to $10 a month back when using your Business Platinum Card for wireless telephone service purchases made directly from a U.S. wireless provider. That’s up to $120 per year back as a statement credit for the wireless services every business needs to stay connected. Enrollment is required.

For more on Business Platinum’s benefits, offers, rates, & fees, click here .

American Express Business Platinum Retains its First-Class Travel Value

In addition to the Card’s new benefits, Business Platinum’s long-lauded travel benefits that support road warriors’ comfort, productivity, and wellness while on the road are here to stay. For example, businesses can earn 5X points on flights and prepaid hotels booked through amextravel.com (Hotel bookings must be paid for in advance to take advantage of this benefit). Businesses can also get 35% points back after you use Pay with Points for all or part of a flight booked with American Express Travel if the flight is either First or Business class or on your selected qualifying airline, up to 500,000 points back per calendar year.

Additional benefits that can help businesses travel more comfortably include complimentary access to The Global Lounge Collection ® , which offers over 1,300 airport lounges in 500 airports across 140 countries – so you and your employee Card Members can either relax or fit in some last-minute work before flights. And, to help you make it through airport security faster, the Card offers a $179 CLEAR ® Credit and a Fee Credit for Global Entry or TSA Pre✔ ® . CLEAR uses biometric technology to help you breeze through security – just use your Card to pay for your CLEAR membership and you can receive up to $179 in statement credits per year. Similarly, you can receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA Pre✔ ® (up to $85) when the application fee is charged to an eligible Card.

When booking through American Express Travel and staying at participating Fine Hotels + Resorts ® properties, Card Members can enjoy luxurious comfort plus Platinum Business Card benefits like complimentary room upgrade upon arrival when available, guaranteed 4 pm late check-out, noon check-in when available, complimentary Wi-Fi, and more. Benefits are available only for Fine Hotels + Resorts ® properties booked via an American Express Travel Channel. Card Members can also enjoy complimentary upgrades to Marriott Bonvoy ™ Gold Elite Status and Hilton Honors ™ Gold Status, both of which can help unlock perks at each respective hotel group to help make journeys away from home more comfortable.

Business Platinum Offers Robust Solutions and Support

Rewards and perks are great, but the best business cards must bring high class services, support, and business solutions . Some additional benefits of the Business Platinum Card include:

• No Preset Spending limit , so your business can get what it needs, when it’s needed. With No Preset Spending Limit, the amount you can spend adapts based on factors like purchase, payment, and credit history – enabling more efficient cash flow management .
• Pay Over Time provides Card Members a convenient borrowing option to pay for both expected or unexpected expenses. It gives Card Members the flexibility to choose how and when they pay. They can meet their financial needs while continuing to earn Membership Rewards. With Pay Over Time, eligible purchases made will automatically be included in a Pay Over Time balance each month. At the end of each billing cycle, the Card Member can choose to pay the statement balance in full without interest, pay the minimum amount due, or pay any amount in between with interest. The APR for Pay Over Time purchases will range from 14.24% to 22.24%, based on creditworthiness as determined at the time of account opening.
• Premium Global Assist® Hotline can provide you with 24/7 medical, legal, financial, or other select emergency coordination and assistance services when you’re 100 miles or more from home. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged.
• Expense Management Tools , including account alerts, streamlined expense reporting with the American Express® Business App , and integration with QuickBooks so you can save time with automatic transaction categorization.

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The Takeaway

Business travel can play a vital role in company growth, but successful organizations know that what happens at home is just as important as what happens on the road. The Business Platinum Card from American Express has been reinvented to include a suite of new benefits that can help companies enjoy more ways to earn rewards for day-to-day business expenses – rewards that can help companies manage cash flow and that can even drop directly to the bottom line. And that’s all on top of the many travel benefits the Card has long been known for.

Megan Doyle

A business technology writer and researcher whoe work focuses on financial services and cross-cultural diversity and inclusion.

This content was written by a freelance author and commissioned and paid for by American Express. 

The material made available for you on this website is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.

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