American Express

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.

To log in to your Hilton Credit Card account, go to the login page on the American Express website or mobile app and enter your username and password in the appropriate fields. Then, click the "Log In" button to access your online account. If you don't already have an account, you will need to start by clicking "Create New Online Account" in order to set up a username and password.

How to Log in to a Hilton Credit Card Account

1. Register your Hilton Credit Card credit card for online account access. Click "Create New Online Account" and enter your 4-digit card ID to verify your credit card account.
2. Choose your Hilton Credit Card card username and password. The username must be between 5 and 20 characters with no special characters and no spaces. The password must contain from 8 to 20 characters and have at least one letter and one number. The password is case sensitive and may contain special characters.
3. Log in with your new Hilton Credit Card card credentials. From the login page on the American Express website or mobile app, fill out the User ID and Password fields using your new credentials, and click "Log In" to access your account.

After you have signed up and logged in, you'll be able to manage your Hilton Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click "Forgot User ID or Password?" on the American Express login page. Then, just follow the prompts to reset or retrieve your username or password.

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.

American Express offers rental car insurance as a complimentary benefit on all American Express-branded credit cards. American Express rental car insurance covers rental car damage or theft, accidental injury, accidental death or dismemberment, and personal property damage. Cardholders are covered up to $50,000 - $75,000 per rental agreement for rental car damage or theft. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely with an American Express credit card or points or cash back rewards.

Notable American Express Credit Cards That Offer Rental Car Insurance

• The Platinum Card® from American Express
• American Express® Gold Card
• American Express® Green Card
• American Express Cash Magnet® Card
• Blue Cash Everyday® Card from American Express
• Blue Cash Preferred® Card from American Express

Key Things To Know About American Express Rental Car Insurance

• Coverage Amount. Up to $50,000 - $75,000 per rental agreement for rental car damage or theft.
• File Claims for Domestic Rentals Through Primary Insurance First. The American Express rental car insurance benefit provides secondary coverage for domestic rentals of up to 30 days, so you will need to file a claim through your primary insurance carrier first, if you have one.
• Coverage Is Primary When Renting Vehicles Abroad. If you're renting a vehicle outside of your home country, coverage under the American Express Platinum card rental car insurance benefit is primary and lasts for up to 30 days.
• Not All Vehicles or Incidents Are Covered. American Express rental car insurance does not cover vans, cars used for commercial purposes, leased vehicles, cars older than 20 years, limousines, motorcycles, and off-road vehicles, among others. Coverage also does not apply to certain incidents such as events arising out of illegal activity, intentional damage, off-road operation of the rental vehicle, or use of the vehicle in violation of the terms and conditions of the rental agreement.

American Express Rental Car Insurance Claims

To file a American Express rental car insurance claim, call the Benefit Administrator at 1-800-338-1670 or visit the card's benefits website to obtain a claim form. You will need to submit the claim form, along with any requested supporting documents – such as an itemized repair bill, a copy of the receipt for the rental of the vehicle, photos of the damaged vehicle, or a police report – no later than 60 days after the incident.

You should receive payment from the Benefits Administrator within 90 days after receipt of all documents and the validation of your claim. 

All information about the American Express Cash Magnet® Card has been collected independently by WalletHub. The American Express Cash Magnet® Card is no longer available to new applicants through WalletHub, but may be available on the American Express website.

To get a Black Card from American Express, you must receive an invitation to apply, have Excellent credit, and pay the $10,000 initiation fee. Amex customers can request an invitation for the Black Card online, though there is no guarantee of actually receiving an invite. The Amex Black Card is officially called the Centurion® Card from American Express, and it is reportedly reserved for customers who charge hundreds of thousands of dollars per year to other Amex cards.

How to Get a Black Card

1. Open an American Express credit card account. American Express only extends invitations for the Black Card to existing members, so you'll have to be an Amex cardmember to enter the candidate pool. There are several American Express credit card offers you can apply for right now.
2. Spend and pay off large amounts on your Amex card. American Express does not publicly disclose the spending requirements for earning a Black Card invitation. However, online rumors suggest you would have to charge over $250,000 per year to your Amex card to be considered.
3. Request an invitation. As an Amex cardmember, you can ask to be considered for a Black Card invitation online. You will only need to give your full name, as well as your American Express credit card number and 4-digit security code.

Apart from the Centurion® Card from American Express, several issuers offer “black cards” that are open for applications. While none of them are as iconic as the Amex Black Card, some of them offer attractive rewards and benefits.

If you're on the hunt for a prestigious credit card that you can apply for right now, you can check out the most exclusive credit cards in circulation on WalletHub.