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American Express Platinum Card

Amex Platinum Card Benefits Enrollment and Use

Enroll in required Platinum credits, set airline and Uber linkages, and use each benefit within its monthly, quarterly, semiannual, or annual window so statement credits post and offset the annual fee.

easy14 steps45 min5.0 · 1

Before you start

  • Many credits require enrollment on the Amex benefits page before first use or no credit posts.
  • Uber Cash and similar monthly credits do not roll over if unused.
  • Hotel 5x and the $600 hotel credit only apply on qualifying Amex Travel bookings in Fine Hotels + Resorts or The Hotel Collection.
  • Walmart+ credit applies to monthly auto-renew membership only, not annual.
  • Do not rely on gift-card purchases for retailer credits when terms exclude them.

Tools

  • Web browser or Amex app
  • Uber app
  1. 01

    Review and lock the welcome offer

    On the American Express site, apply and view the welcome offer before accepting. Target the advertised high offer such as 175,000 Membership Rewards after $8,000 spend in six months. If the offer shown is much lower, decline and retry later. Amex can show approval and offer with no hard credit pull on that check. If you also want Gold welcome bonus eligibility, open Gold before Platinum.

  2. 02

    Know the earn rates and caps

    Use the card for 5x on flights booked direct or via Amex Travel, up to $500,000 flight spend per calendar year. Hotel 5x applies only on hotels booked through Amex Travel. All other spend earns 1x. There are no foreign transaction fees.

  3. 03

    Use the $600 hotel credit correctly

    Book prepaid stays in Fine Hotels + Resorts or The Hotel Collection through Amex Travel. Take up to $300 statement credit in January through June and another $300 in July through December. Hotel Collection bookings need a two-night minimum. Expect higher-end rates; budget hotels outside these programs will not trigger the credit.

  4. 04

    Enroll and use the Resy dining credit

    Open the benefits page in your Amex account and enroll in the Resy credit before dining. Pay with Platinum at eligible Resy restaurants for up to $100 statement credit per quarter. Confirm nearby spots on resy.com. A Resy reservation is not required; Amex matches the eligible charge and posts the credit.

    Skip enrollment and the credit will not post.

  5. 05

    Enroll the digital entertainment credit

    Enroll on the benefits page. Pay eligible services with Platinum for up to $25 statement credit per month ($300 per year). Eligible examples include Hulu, Disney+, YouTube Premium, YouTube TV, Peacock, and Paramount+. Prefer services you already pay for. Prefer the Walmart+ bundled stream for Peacock or Paramount+ instead of burning this credit on those two.

  6. 06

    Enroll the Lululemon credit

    Enroll on the benefits page. Charge eligible purchases at US Lululemon retail stores excluding outlets or on lululemon.com for up to $75 statement credit per quarter ($300 per year). Terms typically exclude gift cards; treat gift-card redemption as unreliable.

  7. 07

    Enroll the Equinox credit if you use Equinox

    Enroll on the benefits page. Pay an auto-renewing Equinox Plus digital subscription or Equinox Club membership with Platinum for up to $300 statement credit per year. Skip this path if you are not an Equinox member.

  8. 08

    Enroll the Oura Ring credit

    Enroll on the benefits page. Buy an Oura ring on ouraring.com with Platinum for up to $200 statement credit per calendar year. The credit is for the ring purchase itself. Holiday promotions can cut the out-of-pocket amount after the credit.

  9. 09

    Add Platinum in Uber for Uber Cash

    Add the Amex Platinum to your Uber account so $15 Uber Cash posts each month plus an extra $20 in December. When you ride or order Eats, select an Amex card as the payment method so Uber Cash applies. Unused Uber Cash does not roll to the next month.

    Forgot monthly use means that month’s cash is lost.

  10. 10

    Pay Uber One for the membership credit

    Purchase an auto-renewing Uber One plan with the card for up to $120 statement credit per calendar year. Monthly and annual plans both qualify. Annual at current pricing sits under the $120 cap and is simpler to track.

  11. 11

    Set Walmart+ to monthly and claim extras

    Put Walmart+ on monthly auto-renew and pay with Platinum. Take the monthly statement credit of $12.95 plus tax. Annual Walmart+ does not qualify. In Walmart+ benefits, pick the included Peacock or Paramount+ base ad-supported plan and cancel any duplicate paid stream you already had.

  12. 12

    Select the airline fee credit carrier

    Each year in January, open the airline fee credit on the benefits page and choose one qualifying airline. Incidental fees on that airline only (bags, same-day changes, inflight purchases, lounge day passes, and similar) can return up to $200 statement credit per calendar year. Change the airline in January when your fee pattern shifts; off-cycle changes via message are not guaranteed.

  13. 13

    Enroll the Saks credit

    Enroll on the benefits page. Use Platinum at Saks Fifth Avenue or saks.com for up to $50 statement credit in January through June and $50 in July through December ($100 per year). Watch retailer status and terms because the network and product mix can change.

  14. 14

    Enroll every remaining benefits-page credit

    Scroll the full Platinum benefits page and enroll in every credit you might use. Credits are timed monthly, quarterly, semiannually, or annually. Track windows so you do not miss a period after you already paid the annual fee.

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