AMEX Platinum Card Benefits

Hotel Benefits

Free Hotel Upgrades & Benefits

AmEx has partnered with over 700 hotels/resorts to offer a wide array of perks and upgrades. This program is called Fine Hotels & Resorts and it is exclusive to Platinum & Centurion "black card" members:

Free room upgrade when you check-in, if available
4:00 PM late checkout
Complimentary breakfast for two each morning
Additional perks like $100 food/drink/spa credits, complimentary third night stays, etc. are offered at many properties
As you can imagine, having these hotel benefits are great to have and a beneficial if you are a frequent traveler.

Personal Concierge Service

Having a Personal Concierge Service is a great benefit especially if you are an extremely busy individual.  Simply call your personal concierge directly, tell them what you want, and they will do all the hard work. This is especially useful if youíre trying to get last minute dinner reservations or sold out tickets.

No Foreign Transaction Fees

Almost every credit card on the market tacks on a 3% surcharge for purchases made outside the US (and even purchases made inside the US get slapped with the fee if the company is based elsewhere). With this AmEx you will never endure a surcharge.
Driving Benefits:

Roadside Assistance Coverage - Up To $200 Value
As part of your Platinum Card membership, youíre covered up to four service calls per year, with $50 of coverage each time, in the US, Canada, and Puerto Rico.

Car Rental Collision Coverage

Pay for your rental car using your American Express Platinum and youíre covered in the event of an eligible collision. This is especially helpful in foreign countries that have narrower streets and more aggressive drivers than what weíre typically accustomed to. Please note there are a few countries which are not included (six excluded at the time of this review). Customer service can provide you the details.

Premium Car Rental Program

Enjoy the privilege of skipping lines and paperwork, going straight to your car. Get free vehicle upgrades and savings when available. These perks and others are made possible through your complimentary enrollment in Hertz #1 Club Gold, National Car Rentalís Emerald Club, and Avis Preferred.

Normally to obtain these status levels, you would need to pay fees and/or be a frequent customer. However Platinum Cardmembers are granted access to these programs free of charge, regardless of how often (or not) they rent from these companies.

Shopping Benefits:

Purchase Protection

For the first 90 days on eligible purchases, you're covered up to $10,000 per occurrence (up to $50,000 per calendar year) to repair, replace, or reimburse you for the affected item(s). This is truly one of the most valuable American Express Platinum card benefits; Itís a very simple process to file a claim and it saves a great deal of money.

Return Protection

Whether we lost the receipt or the store simply doesnít accept returns, itís a predicament we all encounter regularly. But if you made that purchase with your Platinum card, then American Express will accept your return and reimburse you, up to $300 per item, $1,000 annually.

Automatic Extended Warranty

Being that most merchandise is made overseas these days, an extended warranty is now more important than ever. However if youíre a smart shopper, skip the extended warranty at checkout and instead just pay for any eligible merchandise using your AmEx Platinum Card. They automatically double the original manufacturerís U.S. warranty coverage, up to one full additional year, for absolutely free. Youíre protected up to $10,000 per item, $50,000 per year. So enjoy piece of mind next time you buy that new flat screen or computer. Like the other Platinum Card benefits, this is completely free.


Only the Platinum and Centurion "black card" participate in the Membership Rewards First (MRF) program, which is AmEx's highest level of rewards. Redeem your MRF points for travel, merchandise, and just about anything else at very favorable conversion rates (your points go far). This is the best value.

You get 1 point on virtually every dollar spent
You get 2 points per dollar through the American Express travel services website
You get up to 4 points per dollar when shopping at the Bonus Points Mall, which includes a large number of retailers
You get up to 2 to 10 points per dollar with select partners
Points never expire. Use them whenever itís convenient for you.

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