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Rates & Fees

Delta Reserve Credit Card vs.
American Express Platinum Card®

John Kiernan, Credit Card Editor

Oct 23, 2025Fact checked

THE WINNER

American Express Platinum Card®

EDITOR’S VIEW

The American Express Platinum Card® is better than the Delta SkyMiles® Reserve American Express Card because it gives you more redemption options and is likely to save you more money overall, despite its higher annual fee, landing it a higher WalletHub Rating.
The Delta Reserve Credit Card is a good choice for frequent Delta flyers.
The Platinum Card® is the better option for high-spending travelers who want a variety of annual credits and more airport lounge options.

WalletHub's credit card comparisons and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. WalletHub independently collected information for

some of the cards

on this page.

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Delta Reserve Credit Card vs. Platinum Card®: Key Characteristics

Delta SkyMiles® Reserve American Express Card

American Express Platinum Card®

Delta Reserve Credit Card vs. Platinum Card®: Rewards

The Platinum Card® wins this matchup with 1 - 5 points per $1 spent on purchases. You may also be eligible to earn as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points).

The Delta Reserve Credit Card gives 3 miles per $1 spent on Delta purchases and 1 mile per $1 on all other eligible purchases, plus an initial bonus of 125,000 miles after spending $6,000 in the first 6 months (offer ends 10/29/2025).

Delta SkyMiles® Reserve American Express Card

American Express Platinum Card®

rewards Type

Miles

Points

bonus offer

125,000 miles

As High As 175,000 points. Find Out Your Offer.

rewards rate

1 - 3 miles / $1

1 - 5 points / $1

rewards details

Delta Reserve Credit Card - Rewards Details

Earn 125,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/2025.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
$120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
Terms Apply.

Platinum Card® - Rewards Details

You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Terms Apply.

Delta Reserve Credit Card vs. Platinum Card®: Major Fees

The Delta Reserve Credit Card gets the nod here, surprisingly, as it has an annual fee of only $650. While not cheap, it’s still less expensive than the Platinum Card®, which costs $895 per year.

Neither card charges a foreign transaction fee on purchases processed outside of the U.S., which makes either card a good pick for international travelers.

winner

Delta SkyMiles® Reserve American Express Card

American Express Platinum Card®

Annual fee

$650

$895

Monthly Fee

One-time Fees

Delta Reserve Credit Card vs. Platinum Card®: Purchase APRs

Neither card offers a 0% introductory interest rate on purchases, but the Delta Reserve Credit Card is the winner here because it gives you more of an opportunity to carry a balance from month to month. It will be expensive, though. If you a carry a balance from month to month with the Delta Reserve Credit Card, you’ll be charged interest at the card’s regular APR, which ranges from 19.99% to 28.99% (V), depending on your creditworthiness.

With the Platinum Card® you generally have to pay off your balance in full every month. However, it does come with a “Pay Over Time” feature that allows you to carry an interest-accruing balance over multiple billing periods, up to a limit. All charges not added to the Pay Over Time balance must be paid in full each month by the payment due date.

winner

Delta SkyMiles® Reserve American Express Card

American Express Platinum Card®

purchase intro rate

Not Offered

regular apr

19.99% - 28.99% (V)

See Pay Over Time APR

Delta Reserve Credit Card vs. Platinum Card®: Balance Transfers

Neither the Delta Reserve Credit Card nor the Platinum Card® allows balance transfers. The Platinum Card® wins this matchup as the better overall card.

Delta SkyMiles® Reserve American Express Card

winner

American Express Platinum Card®

Balance Transfer Intro APR

Not Offered

regular apr

N/A

balance transfer fee

N/A

Delta Reserve Credit Card vs. Platinum Card®: Reviews

Both the Platinum Card® and the Delta Reserve Credit Card post a 3/5 editor’s rating. The Delta Reserve Credit Card is the people’s champ, however, with a 4.5 / 5 user review rating, compared to the Platinum Card®’s rating of 3.9 / 5.

Still, the Platinum Card® gets the overall win with a WalletHub Rating of 4.13 / 5, which is significantly higher than the Delta Reserve Credit Card’s 3.17 / 5 rating. The WalletHub Rating is based on our editor’s rating, user reviews, and how the card’s terms compare to other options on the market.

Delta SkyMiles® Reserve American Express Card

winner

American Express Platinum Card®

user reviews

(152)

(745)

EDITOR'S RATING

3.0 / 5

WALLETHUB RATING

3.2 / 5

WalletHub Rating

3.2

Editor’s Rating

3.0

User Reviews

4.5

Market Comparison

3.1

fees: 1.3

rewards: 1.4

cost: 4.5

Other Features: 5.0

4.1 / 5

WalletHub Rating

4.1

Editor’s Rating

3.0

User Reviews

3.8

Market Comparison

4.3

fees: 1.3

rewards: 4.8

cost: 4.9

Other Features: 5.0

BEST WHEN USED TO

Earn Rewards

Delta Reserve Credit Card vs. Platinum Card®: Additional Info

Both the Platinum Card® and the Delta Reserve Credit Card offer a wealth of high-end perks including airport lounge access, valuable statement credits, and even a complimentary concierge benefit. The Platinum Card® wins this matchup, however, as the better overall card.

Delta SkyMiles® Reserve American Express Card

winner

American Express Platinum Card®

foreign transaction fee

cash advance apr

29.24% (V)

cash advance fee

5% (min $10)

grace period

25 days

Additional Info

Delta Reserve Credit Card - Additional Info

No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

Platinum Card® - Additional Info

Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

About the Author

John S Kiernan

Credit Card Editor

John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.

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Delta SkyMiles® Blue American Express Card

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3.8 out of 5 rating59 Reviews

2.9WalletHub Rating

WalletHub Rating

2.9

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.3

User Reviews

3.8

Market Comparison

2.7

fees: 5.0

rewards: 2.5

cost: 2.3

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR19.99% - 28.99% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.99% - 28.99% (V)

annual fee

rewards rate

1 - 2 miles / $1

Bonus Offer

10,000 miles

Bonus Offer

10,000 miles

credit score

Excellent Credit, Good Credit

Pros

No membership fees
High rewards rate
10,000 miles welcome offer
No foreign fee

Cons

No intro APR on purchases
No balance transfers allowed
Available to people with good/excellent credit

Rewards Details

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
Terms Apply.

Additional Info

No Annual Fee.
No Foreign Transaction Fees.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.

Pros, Cons, & Details

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American Express® Gold Card

3.82 out of 5 rating489 Reviews

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3.82 out of 5 rating489 Reviews

4.0WalletHub Rating

WalletHub Rating

4.0

Editor’s Rating

4.0

User Reviews

3.8

Market Comparison

4.0

fees: 1.3

rewards: 4.8

cost: 4.7

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APRSee Pay Over Time APR

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

See Pay Over Time APR

annual fee

$325

rewards rate

1 - 4 points / $1

Bonus Offer

As High As 100,000 points. Find Out Your Offer.

Bonus Offer

As High As 100,000 points. Find Out Your Offer.

credit score

Excellent Credit, Good Credit

Pros

Great welcome offer
4 points per $1 spent at restaurants (up to $50K spent per year, then 1 point)
4 points per $1 spent at U.S. supermarkets (up to $25K spent per year, then 1 point)
3 points per $1 spent on eligible flights
No foreign transaction fee

Cons

$325 annual fee
Limited ability to carry a balance from month to month

Rewards Details

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
Terms Apply.

Additional Info

No Foreign Transaction Fees.
Annual Fee is $325.
This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

Pros, Cons, & Details

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Questions & Answers

Comparing credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.

Upvotes

How do I get access to the Amex Centurion Lounge?

James bronzz, WalletHub Analyst

To get access to the Amex Centurion® Lounge, you must own an eligible American Express card. Guests (up to two) of cardholders can also get into the Centurion Lounges, either at no additional cost or in exchange of a per-visit rate, depending on the card. Keep in mind that these cards come with hefty annual fees, though. For instance, American Express Platinum Card® has a $895 annual fee, the Delta SkyMiles® Reserve American Express Card charges $650 per year and the Centurion® Card from American Express has an annual fee of $5,000.

If those annual fees weren't high enough, the Centurion® Card from American Express is available by invitation only, so you can't apply for it. You can apply for other Amex cards, like the Platinum Card®, but you will need good credit or better to be eligible. Once you have the Platinum Card®, you can work toward gaining an invitation for the Centurion® Card from American Express or nominate yourself for one.

Cards that Offer Access to the Amex Centurion Lounge

Travel Rewards:
American Express Platinum Card®

Rates & Fees Terms ApplyTravel Rewards:
American Express Platinum Card®
American Express Platinum Card®
Learn MoreLearn Moreon issuer's website
Rates & Fees Terms ApplyTravel Rewards:
American Express Platinum Card®
American Express Platinum Card®
Learn MoreLearn Moreon issuer's website
Travel Rewards:
American Express Platinum Card®
American Express Platinum Card®
Learn MoreLearn More

Travel Rewards:
American Express Platinum Card®

The Platinum Card® allows you to enter the Centurion Lounges with up to two guests. A fee will be charged for guest access, though. Cardholders who meet a certain spending requirement in 2025 will be given complimentary access to select locations for up to two guests.

Travel Rewards & Benefits:
Delta SkyMiles® Reserve American Express Card

Rates & Fees Terms ApplyTravel Rewards & Benefits:
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Learn MoreLearn Moreon issuer's website
Rates & Fees Travel Rewards & Benefits:
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Learn MoreLearn Moreon issuer's website
Travel Rewards & Benefits:
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Learn MoreLearn More

Travel Rewards & Benefits:
Delta SkyMiles® Reserve American Express Card

The Delta Reserve Credit Card only allows access to Centurion Lounges located in the U.S., Hong Kong and London. Cardholders may bring up to two guests in exchange for a per-visit rate.

Most Prestigious:
Centurion® Card from American Express

Most Prestigious:
Centurion® Card from American Express
Centurion® Card from American Express
Learn MoreLearn More
Most Prestigious:
Centurion® Card from American Express
Centurion® Card from American Express
Learn MoreLearn Moreon issuer's website
Most Prestigious:
Centurion® Card from American Express
Centurion® Card from American Express
Learn MoreLearn More

Most Prestigious:
Centurion® Card from American Express

The Centurion® Card from American Express allows you to enter Centurion Lounges with up to two guests or immediate family (spouse or domestic partner, and children under 18) at no additional charge.

High-Spending Business Travelers:
The Business Platinum Card® from American Express

Rates & Fees Terms ApplyHigh-Spending Business Travelers:
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Learn MoreLearn Moreon issuer's website
Rates & Fees High-Spending Business Travelers:
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Learn MoreLearn Moreon issuer's website
High-Spending Business Travelers:
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Learn MoreLearn More

High-Spending Business Travelers:
The Business Platinum Card® from American Express

The American Express Business Platinum card allows access to the Centurion Lounges with up to two guests. A fee will be charged for guest access, though. Cardholders who meet a certain spending requirement in 2025 will be given complimentary access to select locations for up to two guests.

Business Travel Rewards:
Delta SkyMiles® Reserve Business American Express Card

Rates & Fees Terms ApplyBusiness Travel Rewards:
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
Learn MoreLearn Moreon issuer's website
Rates & Fees Terms ApplyBusiness Travel Rewards:
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
Learn MoreLearn Moreon issuer's website
Business Travel Rewards:
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
Learn MoreLearn More

Business Travel Rewards:
Delta SkyMiles® Reserve Business American Express Card

The Delta Reserve Business Card only allows access to Centurion Lounges located in the U.S., Hong Kong and London. Cardholders may bring up to two guests in exchange for a per-visit rate.

If you gain access to the Centurion lounges, you're looking at some truly incredible benefits. Before you can experience those benefits, though, you'll have to show your card, boarding pass for air travel that same day, and a government-issued I.D. Any guests will have to be with you to gain entry.

All cardholders can enjoy complimentary benefits like food and drinks, high-speed Wi-Fi, semi-private workspaces, TVs and newspapers. Certain locations may have extra features like private, conference and children's rooms or showers. Select lounges are also designed to reflect the tastes and trends of the city they're located in, and most lounges offer seasonal cuisine options.

Amex Centurion Lounge locations:

Atlanta (ATL)
Charlotte (CLT)
Dallas (DFW)
Denver (DEN)
Houston (IAH)
Las Vegas (LAS)
Los Angeles (LAX)
Miami (MIA)
New York (JFK and LGA)
Philadelphia (PHL)
Phoenix (PHX)
San Francisco (SFO)
Seattle (SEA)
Washington, D.C (DCA)
International lounges: Hong Kong (HKG); London (LHR); Stockholm (ARN); Mumbai (BOM); Delhi (DEL); Buenos Aires (EZE); São Paulo (GRU); Melbourne (MEL); Mexico City (MEX); Monterey (MTY); Sydney (SYD).
Coming soon: Salt Lake City (SLC) – opening 2025; Tokyo (HND) – opening 2025; Newark (EWR) – opening 2026.

Aside from Centurion Lounges, eligible cardholders have access to The Centurion Network, which also includes Escape Lounges – The Centurion Studio Partner, bringing the network total to 30+ worldwide locations.

Upvotes

What are the best American Express Platinum Card® benefits?

Lisa Cahill, Credit Cards Moderator

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

The best 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

...

Upvotes

Whats so special about American Express Platinum Card®?

Christie Matherne, Credit Card Writer

The Platinum Card® is special because it is a premium metal card that offers big-spenders elite perks. Benefits include airport lounge access, annual travel credits, 24/7 concierge service, and more. Plus, you can earn 1 - 5 points per $1 spent on purchases.

What Makes Platinum Card® So Special

Travel benefits: Airport lounge access, annual travel credits, Global Entry/TSA PreCheck® credit, hotel elite status, and more. Enrollment is required for some of these benefits.
Rewards program: 5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases. The rewards...

Upvotes

Does the American Express Platinum Card® offer a 100K point bonus?

Gina Marte, WalletHub Advisor

No, the Platinum Card® does not offer a 100K point bonus anymore. The current offer is as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points).

Once you've met the spending requirement for the Platinum Card®'s bonus, the points will post to your account within 8-12 weeks. In addition to the welcome offer, the Platinum Card® offers many other benefits and extensive ongoing rewards.

Platinum Card®'s Rewards & Perks

You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Terms Apply.

The Platinum Card® is a good card for high-spending frequent travelers with at least good...

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How does the American Express concierge work?

Joseph Bulebush, WalletHub Analyst

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 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...

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What are the American Express Platinum Card® benefits at Hertz?

Nadia Medrano

The Platinum Card® benefits at Hertz include reduced rates, free upgrades and other privileges on Hertz car rentals. The Platinum Card® also offers complimentary membership in the Hertz Gold Plus rewards program.

This benefit is part of the Car Rental Privileges program, which also includes Avis and National Car Rental. The perks provided to Platinum Card® members are subject to each car rental company's terms and conditions (including age restrictions), and require enrollment in each car rental...

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How does American Express Platinum Card® travel insurance work?

Maria Adams, Credit Cards Moderator

The American Express Platinum Card® travel insurance covers lost 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...

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How does American Express Platinum Card® car rental insurance work?

Maria Adams, Credit Cards Moderator

The Platinum Card® car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the Platinum Card® or American Express rewards points. To get the Platinum Card® car rental insurance coverage, you must decline the rental agency's supplemental insurance policy. To make a 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...

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What is the American Express Platinum Card® Uber benefit?

Joseph Bulebush, WalletHub Analyst

The Platinum Card® Uber benefit is up to $200 in Uber Cash annually: up to $15 in Uber Cash per month, plus a $20 bonus in December (up to $35 total). Cardholders are automatically enrolled when adding the Platinum Card® to their Uber account and select an American Express card as the payment method for the Uber transaction.

The Platinum Card® Uber Cash post to the Uber app (for iOS and Android) on the first day of...

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How do you use the American Express Platinum Card® airline credit?

Jason Miles, Wallethub Credit Card Consultant

To use the American Express Platinum Card® airline credit, start by selecting the airline you want the credit to apply to. Then, use your card to make a purchase from your chosen airline, and Amex will automatically pay you back up to $200 of the charge.

The Platinum Card® airline credit applies to incidental fees charged for things like checked baggage, date changes, pet travel, in-flight purchases and more. It does not apply to the base fare or...

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Delta Reserve Credit Card vs. American Express Platinum Card®

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John S Kiernan

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