The best American Express Platinum card benefits are baggage insurance and return protection. The Platinum Card® from American Express also has extended warranty and purchase protection, which are more common perks across American Express cards.

American Express Platinum card Benefits

• Baggage insurance
• Return protection
• Extended warranty
• Purchase protection
• Lowest hotel rates guarantee
• Instant card numbers
• Rental car insurance
• Airport lounge access
• Air travel fees reimbursement
• Statement credits for eligible hotel bookings

Along with these benefits, the American Express Platinum card has a $695 annual fee and gives rewards on all purchases. As long as you have good credit, The Platinum Card® from American Express is certainly a card to consider adding to your wallet.

The best Amex Gold card benefits are trip delay insurance and baggage insurance. The American Express® Gold Card also has extended warranty and purchase protection, which are more common perks across American Express credit cards.

Amex Gold card Benefits

• Trip delay insurance
• Baggage insurance
• Extended warranty
• Purchase protection
• Lowest hotel rates guarantee
• Instant card numbers
• Global Assist (an emergency card  assistance hotline)
• An annual dining credit
• Free ShopRunner membership (for free shipping with participating online merchants; enrollment required)

Along with these benefits, the Amex Gold card has a $250 annual fee and gives rewards on all purchases. As long as you have good credit, the American Express® Gold Card is certainly a card to consider adding to your wallet.

No, the American Express Platinum card does not offer a 100K point bonus anymore. The current offer is 80,000 points for spending $6,000 in the first 6 months. Once you've met the spending requirement for the American Express Platinum card's bonus, the points will post to your account within 8-12 weeks.

In addition to the welcome offer, the American Express Platinum card offers many other benefits and extensive ongoing rewards.

American Express Platinum card's Rewards & Perks

All in all, the American Express Platinum card is a good card for high-spending frequent travelers with at least good credit. You can learn more about this card by reading our editors' full review.

The American Express Concierge Service works as a virtual assistant, helping cardholders secure concert tickets, deliver flowers, make reservations, and much more. It is an exclusive benefit for the American Express Platinum card, the Centurion® Card from American Express, the Delta SkyMiles® Reserve American Express Card and the Hilton Honors American Express Card cardholders. You can contact the concierge service by phone at (800) 525-3355 or by sending an email.

There are no service charges for using the Amex concierge, as it's a complimentary benefit. Any purchases required to complete your request are charged to your credit card. Most cardholders report getting their requests completed within a couple of hours or days.

Here are some of the types of requests you can make:

• Restaurant reservations
• Concert, movies and events tickets
• Travel and tour bookings
• Gift shopping and delivery
• Help planning an event
• Research for special requests
• Help finding a doctor, lawyer, plumber, handyman, etc.

You'll likely have more success with some types of requests than others. According to cardholders, if you make a travel booking request, you'll generally just be referred to Amex Travel. On the other hand, cardholders have found great success when submitting requests for things like concert and event tickets. If given enough notice, the concierge can get tickets the second they go on sale. Even better, when the concierge secures tickets, you don't have to pay any Ticketmaster service fees.

American Express also states the concierge can be used for personalized gift-shopping. You can provide some basic information about the person you need a gift for, and they'll do the gifting for you. Requests you make through the concierge will never be shared with anyone, including any authorized users on your card, so you can rest assured no surprises will be ruined.

While there's not much information regarding the parameters of what requests you can and can't make, many cardholders said that it mostly depends on who your assigned concierge is from one request to the next. In general, the American Express concierge can be a valuable benefit for those who don't want to spend time making reservations or gift-shopping.

To get the Amex Rose Gold card, you have to apply for the American Express® Gold Card and request a Rose Gold version. If you are already an Amex Gold cardholder, you just have to request a new card be sent to you in the Rose Gold shade. Requesting the color is quick and easy — simply call the number on the back of your card to get connected with a customer service representative and let them know you would like to exchange your existing Amex Gold card for the Rose Gold version. Alternatively, use the online chat function from your online account.

No matter what shade you choose, you can get all of the Amex Gold card's incredible benefits, from high earning rates to a huge initial bonus of 60,000 points once you spend $4,000 in the first 6 months. You also receive annual Uber Cash benefits, as well as monthly statement credits when you dine at certain restaurants. The Amex Gold card also offers extensive ongoing rewards: 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), 4 points per $1 at restaurants worldwide (plus takeout and delivery in the U.S.), 3 points per $1 on flights booked directly with airlines or on amextravel.com, and 1 point per $1 on all other purchases.

All of those excellent rewards do come at the cost of a $250 annual fee, so it's important to weigh the worth of those rewards against the cost of the card. The Amex Gold card requires good credit or better (a credit score of 700+) for good odds of approval. You can also check for pre-qualification online. Keep in mind that pre-qualification indicates that you have good odds of approval, but it does not guarantee it.

The American Express Platinum card benefits at Hertz include reduced rates and other privileges on Hertz car rentals. The American Express Platinum card also offers free membership in the Hertz Gold Plus rewards program. Some of the best benefits you get at Hertz with this card are:

• Free one-car-class upgrades.
• Expedited service.
• Up to 4 hours grace period when returning the vehicle late with no penalty.
• Automatic 15% - 25% discount on all rentals, along with Hertz points.
• Pick pretty much any car you want, without a reservation.
• Add your spouse/partner as a driver.

To get the benefits, just pay for a Hertz rental with your American Express Platinum card and include “CDP #211762” in your reservation.

Yes, the American Express Platinum card does have travel insurance benefits, the best of which are trip cancellation and interruption insurance and car rental loss and damage insurance. To be eligible to file a travel insurance claim, you'll need to pay for your travel using your American Express Platinum card.

Types of American Express Platinum card Travel Insurance

• Trip delay insurance: This benefit reimburses you for necessary expenses – such as a hotel room, for example – if your trip is delayed for more than 6 hours.
• Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses.
• Lost/damaged baggage insurance: If your luggage is lost or stolen, you can get reimbursed for the contents of the luggage up to $3,000 for carry-on baggage and up to $2,000 for checked baggage, per covered person.
• Rental car insurance: This benefit covers the cardholder for damage to the rental vehicle that results from collision or theft.

Exclusions and coverage limits apply to many of these benefits, so make sure to check your American Express Platinum card's guide to benefits for more details on each type of insurance.

The Amex Gold card dining credit gives cardholders up to $120 per year in statement credits for purchases with Grubhub, Shake Shack, The Cheesecake Factory, and other participating merchants. The first $10 in qualifying purchases made each month will be covered by the Amex Gold card dining credit. Keep in mind that you must enroll your card to use this benefit and receive the credit. Dining credits post to the account within 6-8 weeks after qualifying purchases are made.

Key Things to Know About the Amex Gold card Dining Credit

• What it is
  Cardholders earn up to $10 in monthly statement credits (annual savings of up to $120) when ordering from participating partners.
• Participating partners
  Grubhub, The Cheesecake Factory, Goldbelly, Wine,com, Milk Bar, and select Shake Shack locations (excluding Shake Shack locations in ballparks, stadiums, airports and racetracks).
• How to get it
  The primary cardholder or an authorized account manager must enroll in the benefit for the account to be eligible for the credits. You can enroll online, through the Amex mobile app or over the phone.
   
  Online: Log in to your account, click “Rewards & Benefits” then “Benefits.” Find the box that says “$120 Dining Credit” and click “Enroll Now.”
   
  Through the mobile app: Download the Amex mobile app and log in using your credentials. Tap “Explore All Card Benefits” from the “Membership” menu and tap on “$120 Dining Credit.”
   
  Over the phone: Call (800) 528-4800 or the number you see on the back of your card. When prompted, say “dining credit” and then give your card number. You will then be connected to a live representative who should be able to help you with your request.
• Eligibility
  Once the Amex Gold card is enrolled, purchases from both the primary cardholder and authorized users qualify for the dining credit, but all cardholders on a single account must share the limit of $10 per month in credits.
• When you get it
  Dining statement credits typically post to your Amex Gold card account 6-8 weeks after an eligible purchase is charged.

It's also worth noting that, apart from the dining credit, the Amex Gold card also offers lots of rewards, especially on travel and dining purchases.

Amex Gold card Rewards

The Amex Gold card dining credit is worth it, when properly utilized. Combined with the rewards cardholders earn on purchases, the dining credit can help offset the Amex Gold card's $250 annual fee.

The American Express Platinum card Uber benefit is up to $200 in Uber credit annually: up to $15 in credit per month, plus a $20 bonus in December (up to $35 total). Cardholders are automatically enrolled when adding the American Express Platinum card to their Uber account.

The American Express Platinum card Uber credit post to the Uber app (for iOS and Android) on the first day of each month. Unused credit expire at midnight on the last day of the month (HST) and will not roll over to the following month. Aside from the Uber Cash benefit, you also gain access to Uber VIP in select locations.

Here's what you should know about the American Express Platinum card benefit:

• What you get:
  Up to $200 in Uber Cash for rides or Uber Eats orders – up to $15 in credit per month, plus a $20 bonus in December (up to $35 total). You'll also become an Uber VIP and be matched with top-rated drivers, where available.
• How to get it:
  Add the American Express Platinum card as a payment method to your Uber account. You must add your card through the Uber App (for iOS or Android).
   
  The American Express Platinum card Uber Cash benefit posts to the app by 5 p.m. HST, on the first day of each month. If you do not see it there, simply call the number on the back of your card.
• How to use it:
  In order to use the American Express Platinum card Uber benefit, the “Uber Cash” function at the top of the app must be enabled. This will allow you to apply credit to the cost of the ride when booking.
   
  To check how much Uber credit you have left for the month, tap the Uber Cash Balance menu icon in top left corner of the app. If there aren't enough Uber credit to cover the cost of the ride, Uber will charge the difference to the American Express Platinum card linked to your account.
   
  Cardholders can use the Uber app to apply credit to the cost of rides anywhere in the U.S., but only primary accountholders are eligible for this free benefit – not authorized users.
• Expiry:
  The American Express Platinum card Uber Cash benefit expires at 11:59 p.m. HST, on the last day of each month. Unused credit balance does not carry over to the following month.

As you can see, whether you prefer a free meal or rides to the airport for your next trip, you have multiple solid options when it comes to how you redeem your American Express Platinum card's Uber credits each month.

The American Express Platinum card car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the American Express Platinum card or American Express rewards points. To get the American Express Platinum card car rental insurance coverage, you must decline the rental agency's supplemental insurance policy. To make a American Express Platinum card rental car insurance claim, call (800) 338-1670 within 30 days of a covered incident.

There are a few exceptions you should be aware of, though. And there are more details about the process you'll need to follow to actually get your money. You can find the key points below.

Here's more info about the American Express Platinum card car rental insurance:

• You're covered up to $75,000 per claim for collision damage or theft.
• You must pay for the entire rental with your American Express Platinum card or rewards points.
• You must decline the rental agency's insurance policy.
• The following types of vehicles are not covered by American Express Platinum card rental car insurance: Cargo vans, vans that carry 9+ people, box trucks, trucks that weight 10k+ lbs., modified vehicles (except for handicapped accessibility), antiques, limos, off-road vehicles, motorcycles/motorbikes/mopeds, RVs, golf carts, and a few others. Geographic restrictions also apply. 
• The following situations and types of damage are not covered by American Express Platinum card rental insurance: Manufacturing defects, wear and tear, damage from illegal activities, accidents caused by driver's intoxication, seizure by authorities, damage by war, and a few others.
• To make an American Express Platinum card rental car insurance claim, call (800) 338-1670 within 30 days of the incident. If you're abroad, collect at (303) 273-6497. Amex will then mail you instructions for what to do next. You'll have 60 days to return any proof they request, which may include damage estimates, police reports, etc.

The American Express Platinum card rental car insurance will reimburse you within 90 days of American Express receiving your proof of the incident. Before you rent a car with your American Express Platinum card, you should take some time to read through the benefits guide. It will give you the full information.

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