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Everything you need to know about Amex Travel

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Editor’s note: This is a recurring post, regularly updated with new information.

The American Express Travel portal allows you to redeem Membership Rewards points directly for travel reservations and activities rather than transfer your rewards to airline or hotel partners like Delta Air Lines SkyMiles and Marriott Bonvoy .

You also can book discounted premium tickets, use benefits like a 35% points rebate on certain bookings and even book premium hotels with additional perks through Amex Travel.

Let’s explore this booking portal to uncover all its benefits and potential disadvantages.

What is the American Express Travel portal?

Amex Travel is the booking portal for most American Express cards . You can book flights, hotels, rental cars and cruises through the site, and you can pay with points, cash or a combination of the two.

How to book flights on the Amex Travel portal

To find flights on American Express Travel, visit this webpage . The flight booking process on the Amex Travel portal is similar to other popular sites like Kayak and Orbitz. You’ll find a search box where you can enter your departure and destination cities.

If you’re flexible with your departure airport, you can choose an entire city, such as New York, which has multiple airports. Additionally, you can customize your booking by selecting your preferred class and the number of travelers, and choosing between one-way and round-trip flights.

You’ll see the price listed in dollars and the number of Amex Membership Rewards points during the booking process.

You can also use the options on the left-hand side to filter flights by number of stops, departure and arrival times, flight duration and airline.

Delta Air Lines is a featured airline in the Amex Travel portal. Sometimes, Delta flights appear at the top of your results, listed as “recommended,” but this doesn’t mean those flights are always the cheapest.

Additionally, if you have The Platinum Card® from American Express or The Business Platinum Card® from American Express and are flying from an airport with a Centurion Lounge , you’ll see an indicator that a lounge is available.

Points vs. cash

When paying for your flights on Amex Travel, several American Express cards offer elevated earning rates:

You can also pay with Amex Membership Rewards points to cover the cost of your flight.

You’ll see the number of points required next to the cash price of a flight. You can expect a value of 1 cent per point when using Pay with Points . However, TPG values Membership Rewards points at 2 cents apiece when you maximize Amex’s transfer partners.

Related: How to redeem American Express Membership Rewards for maximum value

It’s important to compare the number of points required for bookings on Amex Travel with the points you’d need to transfer to an airline program . If you can’t book a flight through transfer partners and prefer to use your points, Amex Travel remains an option.

There’s an additional benefit for Amex Business Platinum cardmembers: You can get 35% of your points back when paying with points on Amex Travel. This applies to first- and business-class flights on any airline plus tickets in any class on your preferred airline (the same one used for your airline incidental credits ; enrollment is required in advance). This 35% points rebate can provide a value of 1.54 cents per point, which may influence your decision to pay with cash or points.

Similarly, the American Express® Business Gold Card offers a 25% Pay with Points rebate on eligible flights (up to 250,000 points back per calendar year). The Business Centurion® Card from American Express offers a 50% Pay with Points rebate on eligible flights. Note that Centurion cards are available by invitation only.

The information for the Business Centurion Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

More details about flights through Amex Travel

During the payment process, you can use points, your credit card or a combination of both. The minimum number of points you can use is 5,000, and each point is valued at 1 cent.

You can upgrade your flights using cash or points in the Amex Travel portal. This generally gives you a return of 1 cent each, and you can book using your Amex card, points or a combination of both.

During your flight search, you might come across “Insider Fares” that offer a discounted price. But to benefit from the discount, you must redeem points to cover the full fare amount.

Amex Platinum and Amex Business Platinum cardmembers have another benefit: discounted premium tickets through Amex Travel’s International Airline Program . This program offers discounts on first-class, business-class and premium economy tickets from over 20 participating airlines.

To book a premium ticket using the IAP, go to the Amex Travel portal and pay with cash or points, including the Business Platinum card’s 35% airline rebate. Keep in mind that not all flights are eligible and there are restrictions:

  • The cardmember must travel on the itinerary.
  • A maximum of eight tickets can be booked per itinerary; travel must begin and end in the U.S. or Canadian international airports.
  • Tickets are nonrefundable unless stated otherwise.
  • Name changes for passengers are not allowed.

Finally, note that flights booked through Amex Travel are typically treated as normal paid tickets, meaning you’re eligible to earn points or miles with participating airline loyalty programs.

Related: Why I love the Amex Business Platinum’s Pay with Points perk

How to book hotels on the Amex Travel portal

You can book hotels through American Express Travel with a Gold, Platinum or Centurion card. As with other travel portals, you can input your destination, dates, number of rooms and number of guests (with separate input fields for adults and children).

Platinum and Business Platinum cardmembers earn 5 points per dollar on prepaid hotel reservations.

After selecting your hotel, you’ll choose your preferred room and pay with points or cash. If you pay with points, you’ll only get a value of 0.7 cents per point (compared to 1 cent when you book flights).

Note that these are considered third-party bookings, so you likely won’t earn hotel points or elite credits for your stay . While there are reports of people receiving stay credits with Marriott Bonvoy or Hilton Honors on rooms booked through Amex Travel, the hotel is not guaranteed to recognize your elite status in these programs or provide status-qualifying stay credits.

Related: 9 things to consider when choosing to book via a portal vs. booking directly

Amex Fine Hotels + Resorts

Platinum and Centurion cardholders also have access to the Fine Hotels + Resorts  program through Amex Travel. This can add some great benefits to your hotel stays — and may not cost much more than booking directly with the hotel.

Here are the perks you’ll receive with every FHR booking, regardless of the length of your stay:

  • Room upgrade upon arrival (when available): Some room types may be excluded, but you could receive an upgrade to preferred rooms with better views or a better location in the hotel.
  • Daily breakfast for two people: The provided breakfast must be, at a minimum, a continental breakfast.
  • Guaranteed 4 p.m. late checkout
  • Noon check-in when available
  • Complimentary Wi-Fi
  • Unique property amenity: The amenity varies by hotel but should be valued at $100 or more and usually consists of a property credit, dining credit, spa credit, private airport transfer or similar amenity.

You’ll need to book these stays through Amex Travel, but note that FHR is considered a separate program from Amex Travel.

In addition, if you have the personal Amex Platinum , you can also get up to $200 in statement credits every year for prepaid reservations through Fine Hotels + Resorts or The Hotel Collection — which we’ll discuss next. Enrollment is required.

Related: A comparison of luxury hotel programs from credit card issuers: Amex, Capital One, Chase and Citi

The Hotel Collection

A lesser-known American Express benefit is The Hotel Collection , which allows you to book in cash or with points. Those with Amex Gold, Platinum and Centurion cards have access to this program, which offers the following benefits:

  • A room upgrade at check-in (if available)
  • $100 on-property credit for qualifying dining, spa and resort activities

Note that The Hotel Collection bookings require a minimum stay of two nights, though they too are eligible for the $200 hotel credit on the Amex Platinum.

How to book rental cars and cruises on the Amex Travel portal

Reserving a car in the Amex portal is relatively simple. You’ll input your pickup and drop-off times and location.

You’ll see rental car prices listed in cash and points. When using Pay with Points , your points are worth 0.7 cents — just over a third of TPG’s valuation of Amex Membership Rewards points.

Although the format differs, you can also search for cruises on Amex Travel.

Rather than typing specific dates and numbers of passengers, you’ll see four drop-down menus. These allow you to choose a destination (by region), filter by cruise lines and choose a month for travel — though not specific dates — on this first page. You can also select your desired cruise duration.

From here, you can filter by cruise duration, departure port and ship. You can sort your results by sailing date, value, price or ship rating.

On the final payment page, you can use your card or redeem points, ranging from 1 point to enough to cover the entire cost. Using points for a cruise will result in a low valuation of 0.7 cents per point, but it can be a money-saving option if you prefer not to spend cash.

There’s another benefit available if you’re a Platinum or Centurion cardholder (including personal and business versions of these cards): the Cruise Privileges Program .

This is available on cruises of five nights or more with select cruise lines, and it offers the following perks:

  • $100-$500 in onboard ship credit (note that this cannot be used for casino or gratuity charges)
  • Additional onboard amenities vary by line, such as spa vouchers, a bottle of Champagne, shore excursion credits or a private ship tour

Note that the Platinum cardmember must be one of the travelers on the cruise to enjoy these benefits.

Related: How to book a cruise using points and miles

Further things to consider about Amex Travel

When booking through the Amex Travel portal, there are a few factors to consider.

First, using Amex Membership Rewards points on Amex Travel may not provide the best value compared to transferring points to airline or hotel loyalty programs. The Pay with Points feature typically values points at 0.7 to 1 cent per point, which is far lower than our 2-cent valuation .

Additionally, the prices on Amex Travel may not always be the most competitive, so we recommend checking other platforms like Google Flights before booking your travel. Also, booking directly with hotels is advised for those seeking to utilize elite status benefits.

When you need to change your upcoming trips booked through Amex Travel, it can get complicated. You may encounter change and cancellation fees, often around $75, and making a change requires a phone call. Flight credit vouchers from cancellations can only be used for rebooking through Amex Travel via phone.

On the positive side, Amex Travel allows a 24-hour cancellation window for most reservations, and booking flights through the site generally still qualifies for earning miles and status with airline loyalty programs.

Related: Redeeming American Express Membership Rewards for maximum value

Bottom line

American Express Travel offers an array of booking options, including the ability to earn bonus Membership Rewards points on select purchases. Although you can use your points to book hotels, flights, rental cars and cruises through Amex Travel, you can get more from your points when you transfer them to Amex’s airline and hotel partners .

However, there are exceptions, such as when there is no award availability for last-minute travel. In addition, Amex Travel offers perks like discounted premium flights, added benefits with Amex Fine Hotels + Resorts and a user-friendly interface. And with a simple redemption scheme that doesn’t involve complicated loyalty programs and transfer partners, many Amex cardholders prefer it when planning their trips.

Additional reporting by Ryan Patterson and Kyle Olsen.

SPONSORED:  With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.

And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free. 

These are the best credit cards for dining out, taking out, and ordering in to maximize every meal purchase.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Everything you need to know about Amex Travel

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Full List of Travel Insurance Benefits for the Amex Platinum Card [2024]

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Full List of Travel Insurance Benefits for the Amex Platinum Card [2024]

Table of Contents

Amex platinum card overview, car rental loss and damage insurance, trip cancellation and trip interruption insurance, trip delay reimbursement, baggage insurance, premium global assist hotline, filing a claim, final thoughts.

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Frequent travelers who are interested in premium travel benefits and solid reward-earning opportunities gravitate to The Platinum Card ® from American Express . The card, as well as The Business Platinum Card ® from American Express , has been the go-to card for meeting travelers’ earning, redemption, and benefits needs.

We frequently cover Membership Rewards points-earning opportunities , as well as a multitude of ways to maximize the redemption options . We’ve even done a deep dive into getting the most from statement credits offered by Amex cards.

Next up in our collection of articles focusing on the valuable perks that come with the Amex Platinum card is the card’s travel insurance benefits. Insurance can be inherently confusing in general and the insurance coverages that come with credit cards can be equally so.

Fortunately, even a quick overview will give you some insight as to the insurance coverages you can expect on the Amex Platinum card. So, right here and now, we’re stepping up to deliver just that.

Let’s take a look at exactly which insurances come with the card, how these benefits can provide a level of peace of mind, and find out what situations might trigger the coverage to provide economic value.

It’s important to have a little background on the card to put its coverage into context. Here are important card details, including the current welcome bonus and annual fee.

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply With Confidence

Know if you're approved with  no credit score impact.

If you're approved and accept this Card, your credit score may be impacted.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
  • $695 annual fee ( rates and fees )
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees:  None

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Amex Car Rental Insurance

The Amex Platinum card comes with complimentary standard car rental insurance that provides secondary coverage when using your card to reserve and pay for your entire rental car contract. You also have the option to purchase premium primary car rental coverage .

For either coverage to be valid, you must decline the rental car agency’s LDW (loss damage waiver) or CDW (collision damage waiver) coverage when renting the vehicle.

Here’s an overview of how both of these coverages work:

Standard Car Rental Coverage

Secondary (standard) coverage means that you must first file a claim with any other applicable insurance you might have before the card coverage applies.

You can expect to receive excess secondary coverage for these losses:

  • Damage to and theft of the vehicle
  • Personal property up to $1,000 per person/$2,000 per accident
  • Accidental injury up to $5,000 per claimant
  • Accidental death/dismemberment up to $300,000

This is just a snapshot of the standard secondary car rental coverage; several terms and conditions apply. You should access the official guide to benefits or call your benefits administrator for specific information.

Premium Car Rental Protection Coverage

One of the real car rental insurance perks of holding the Amex Platinum card is having access to Premium Car Rental Protection coverage for just 1 low fee that covers the entire rental period, not a per-day charge like the rental agency charges.

Although there are some credit cards with primary rental car insurance , the American Express Premium Car Rental Protection coverage, in some circumstances, can provide equal or better coverage and elevated peace of mind. Terms and conditions apply.

Bottom Line: Consider Amex Premium Car Rental Protection if you don’t have a credit card that provides primary car rental insurance. Additionally, if you are renting an expensive vehicle that exceeds your card’s limit of coverage or the maximum length of the rental period on your other card is limited to less than 42 days, the Amex Premium Car Rental Protection could also be a prudent choice. 

Trip Delay

Trip cancellation and trip interruption insurance are designed to cover unexpected, unforeseen events that may cause you to have to cancel your trip or that cause a disruption in a trip you’re already started.

To be eligible for coverage, purchase your entire round-trip common carrier ticket with your Amex Platinum card.

American Express has a broad definition of who is covered under this benefit. Eligible travelers can include the cardholder, traveling companion, family member of the eligible traveler, or family member of the traveling companion.

Examples of events that could be covered include the following:

  • Bodily Injury or Illness — If you, a traveling companion, or a family member of either, experience an accidental injury or become ill, causing you to cancel your trip, you may have coverage
  • Bad Weather — If extreme weather causes your trip to be canceled or disrupted, there could be coverage
  • Change in Military Orders —Applies to cardmember and/or spouse (spouse definition includes domestic partner)
  • Terrorist action or hijacking
  • Jury duty or other qualifying legal obligation
  • Uninhabitable dwelling of either the cardmember or traveling companion
  • Quarantine imposed by a physician for health reasons

You can expect coverage of up to $10,000 per trip , and a maximum limit of $20,000 per card per 12-month period.

Terms and conditions apply.

Bottom Line: While the trip cancellation/trip interruption benefit covers specifically stated reasons for trip cancellation/interruption, there is no coverage for voluntary cancellations, disruptions due to known events, or for preexisting conditions. Additional terms and conditions can be found in your guide to benefits or call the benefits administrator prior to your trip.

Experiencing a trip delay is inevitable so having coverage for added expenses as a result of that delay could be a welcome economic benefit. To qualify for trip delay coverage, just pay for the full amount of your common carrier round-trip transportation ticket with your Amex Platinum card.

The delay must be for more than 6 hours for you to be eligible for reimbursement for necessary incidentals, meals, and lodging.

Coverage limits are $500 per covered trip and a maximum of up to 2 covered trips in each consecutive 12-month period. Coverage is secondary to other coverage that applies and does not include expenses that are reimbursed by the airline or other entities. Additional terms and conditions also apply.

Losing a checked bag used to be a very common occurrence. With new technology and tracking mechanisms, however, incidents have declined, but they still happen. If you do happen to experience lost bags, however, you can count on the baggage insurance found on the Amex Platinum card.

To activate the coverage , simply pay for your common-carrier fare with your card and/or Membership Rewards points.

Here’s the coverage you can expect for lost luggage:

  • Checked Bags — Up to $2,000 per covered person, per trip
  • Carry-on Bags — Up to $3,000 per covered person, per trip
  • Specialty High-value Items — Up to $1,000 per person, per covered trip ($2,000 for New York residents, maximum $10,000 per trip)
  • Combined Limit — The limit for all baggage, including high-risk items, is $3,000 per covered person, per single trip

Checked baggage is covered only while traveling on a common carrier . Carry-on baggage is additionally covered while traveling to , from , and when waiting at the carrier terminal.

Note that the coverage on the card is secondary to any other insurance or reimbursement you might receive from the airline. There is no coverage for delayed baggage , but several other credit cards do offer this coverage .

Snowboarders on chair lift

While technically not insurance coverage, having access to help when you’re traveling, 24/7, is sure to provide additional peace of mind. The Amex Platinum card offers a premium version of a dedicated helpline that serves as a welcome resource should things go wrong during your travels.

Here are the types of assistance you can expect from the service:

Emergency Medical Transport and Evacuation — Complimentary Coverages

One of the premium services offered on the card is complimentary emergency medical transport or evacuation . If you or a covered family member becomes injured or ill during your travels, you could receive emergency medical transportation or evacuation , if necessary.

You can expect to receive the following services without charge when arranged via the hotline:

  • Emergency Transport or Evacuation — Transport to the nearest medical facility or transport from an inadequate medical facility
  • Transport of Family Member — Transport may be covered for an adult member to be by the bedside of the cardmember or for the cardmember’s minor child (who had been traveling alone with the cardmember) to be transported back to the U.S.
  • Transport of Remains — Amex will pay for the transport of remains back to the U.S.
  • Post-Evacuation Assistance — If you’re evacuated and your return ticket back to the U.S. has become invalid, Amex will arrange and pay for transportation back to the U.S.

Please note that the Premium Global Assist Hotline does not cover any medical expenses or emergency transportation services arranged outside of the hotline. Several terms and conditions apply to these coverages.

Additional Medical Assistance

In addition to the complimentary coverages offered by the hotline, you’ll find these additional medical services:

  • Medical Referrals — Receive help finding an English-speaking doctor, a hospital, or other needed medical services
  • Prescription Replacement Assistance — Get help with replacing lost or forgotten medications

There is no charge for the referral service but cardmembers are responsible for actual services received from the provider.

Other Hotline Services

  • Passport/Visa Assistance — Whether you need help replacing a passport or have a need to contact the U.S. consulate, the hotline can assist
  • Emergency Translation Services — Receive over-the-phone services or written language translation assistance
  • Legal Referrals — Should you need legal services during your trip, the hotline can help you find local bail bond services that accept Amex or refer you to other legal personnel
  • Financial Assistance — The hotline can help you arrange cash wire services, help you check out of your hotel remotely, or assist with lost card situations
  • Emergency Message Relay — In the event of an emergency, the hotline can send a message to a family member, friend, or another recipient on your behalf
  • Lost Items — Should you lose an item, your baggage gets lost, or other missing possession, the hotline can help track it down
  • Trip Planning Services — Access information such as weather, currency exchange rates, passport/visa requirements, customs information, travel warnings, and more

Bottom Line: The Amex Platinum card comes with complimentary emergency transportation and evacuation services with no stated limit. Additional medical, legal, and travel service referrals are also complimentary, but other than the emergency medical transportation and evacuation, services rendered must be paid for by the cardholder. 

As with any insurance claim, you’ll need to report any event as soon as possible, provide supporting documentation, and follow up after the claim has been filed.

You could be expected to submit any, or all, of the following:

  • Copies of your common carrier ticket
  • Copies of your credit card statement showing the expenses
  • Proof of the loss (i.e. a copy of physician’s quarantine order, military orders, etc.)
  • Copy of the travel supplier’s cancellation policy
  • Any other supporting documentation requested by the claims administrator

Claims must be reported within 60 days but it is best to do it as soon as possible. Once you report the claim, you’ll receive instructions for completing the next steps in the process.

Hot Tip: Be sure to take photos and videos, keep receipts, secure any applicable police report, and hold on to other documentation that might be needed to support your claim. Keep in mind that supporting information can be difficult to obtain after the fact but may be readily secured at the time of the claim. 

While the insurance that comes with the Amex Platinum card won’t take the place of a comprehensive travel insurance policy , you’ll find value in several of the benefits.

Utilizing Premium Car Rental Protection, trip cancellation/interruption, trip delay, and complimentary emergency medical transport or evacuation could save you more than you could imagine in certain circumstances.

Additionally, knowing the coverages you have in advance has tremendous value. You’ll be armed with information to make educated decisions that can protect each aspect of your trip and be better prepared for how you might handle a covered incident during your travels. If you’re looking for other card options, see our article on the best credit cards for travel insurance .

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For the car rental collision damage coverage benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance coverage benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the trip delay insurance benefits of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Platinum Card ® from American Express, you can rely on the Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card members may be responsible for the costs charged by third-party service providers. 

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is the amex platinum card travel insurance any good.

While the insurance that comes on your Amex Platinum card does not replace a comprehensive travel insurance policy, there is value in the coverages that come complimentary on the card.

Benefits such as trip interruption/cancellation/delay insurance and Amex Premium Car Rental Protection can provide economic value by saving you money should something go wrong during your travels.

Having access to the Premium Global Assist Hotline and complimentary emergency medical transport or evacuation could render peace of mind knowing you have the coverage should you need it.

Does the Amex Platinum card cover flight cancellations?

The Amex Platinum card comes with trip cancellation, trip interruption, and trip delay insurance that can cover flight cancellations for only the specific (limited) reasons listed in the terms and conditions.

As with most insurance, the coverage that comes on your card is not meant to cover voluntary flight cancellations.

For these types of cancellations, you would need to purchase Cancel for Any Reason Insurance , which can be added to some comprehensive travel insurance policies.

Does the Amex Platinum card come with primary car rental insurance?

No. The Amex Platinum card comes with complimentary standard secondary car rental insurance, which means you must first file a claim with any other insurance that may apply before the card coverage is valid.

However, the card does offer a unique benefit that allows you to purchase premium primary car rental insurance for 1 low fee that covers the entire rental period.

This coverage is valid for rental periods up to 42 days in length and costs $12.25 to $24.95 per period, depending on the state in which you reside and the coverage limit you select.

Does the Amex Platinum have delayed baggage insurance?

While the Amex Platinum card comes with lost, stolen, or damaged luggage coverage, it does not offer a delayed baggage benefit.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Related Posts

The Amex Platinum Card – Full Review [2024]

UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

AP Buyline

American Express Membership Rewards guide

amex travel redemption benefit

American Express offers a wide range of rewards credit cards to choose from for both consumers and small businesses. However, some of the issuer's cards earn a percentage of cash back for each dollar you spend, whereas the rest earn a valuable rewards currency known as American Express Membership Rewards.

Related: Best American Express credit cards

What are Amex Membership Rewards points, exactly? This rewards currency is the Amex alternative to other flexible programs like Chase Ultimate Rewards, Capital One Miles and the Citi ThankYou program. Just like points earned in other flexible programs, Amex Membership Rewards points are considered valuable due to their flexibility and because they transfer to a selection of airline and hotel partners.

How to earn American Express Membership Rewards points

Membership Rewards points can be earned in a few different ways, but every opportunity requires you to have an eligible American Express credit card. Fortunately, there are Amex credit cards to suit any lifestyle or type of spender out there, whether you want a luxury credit card with all the bells and whistles or you want a more basic option.

For example, the popular card_name has a annual_fees annual fee and comes with valuable benefits like the broadest airport lounge membership available and more than $1,500 in statement credit offers each year. In the meantime, the Amex EveryDay® Credit Card offers fewer perks but lets members earn Amex Membership Rewards points with no annual fee.

American Express Membership Rewards credit cards

The right Amex credit card for you depends on the benefits you want, the categories you spend the most in and how much you're willing to pay in fees each year. The Amex credit cards highlighted below earn Membership Rewards points instead of cash back.

How to choose an Amex Membership Rewards card

With all the available card options in one place, you can easily see how diverse Amex credit cards that earn Membership Rewards points can be. There are cards with annual fees from $0 all the way up to $695, just as there are consumer credit cards and business credit cards that earn Membership Rewards points.

If you want to start earning rewards but need to narrow down card options first, start by asking yourself these questions:

How often do you travel?

American Express is known for its premium travel credit cards that offer perks like global airport lounge access, airline incidental credits, fee credits for Global Entry or TSA PreCheck membership and more. card_name and the card_name have the most robust selection of travel benefits available from this card issuer, albeit with the highest annual fees.

While paying annual_fees per year for incredible travel benefits can be a steal if you're always jetting off somewhere new, this won't be the case for everyone. If you rarely travel, you may want to stick with an Amex card that offers more points in the categories you regularly spend in versus focusing on travel benefits.

Which statement credit offers apply to your spending?

Amex credit cards are also known for their statement credit offers, which can be difficult to use. For example, the annual_fees offers an annual dining credit worth $120 and $120 per year in Uber Cash. However, both of these credits are given out in monthly increments of $10, and unused amounts don't roll over from one month to the next.

Regardless, you'll want to study the statement credits that come with the Amex cards you're considering so you can decide if they're worth it or not.

What is the maximum annual fee you want to pay?

Amex credit card annual fees range from $0 to $695, and the perks you get are commensurate with how much you're willing to pay. Whatever card you decide on, make sure the annual fee is well worth it when you compare it to the rewards and benefits you'll receive in return.

How do earning rates compare?

Finally, make sure you pick an Amex credit card that offers more points in categories you spend considerable sums of money in. This could include airfare and other travel booked directly, travel through AmexTravel.com, restaurants worldwide, U.S. supermarkets or other types of spending. Your card choice should reflect your preferences.

Other ways to earn American Express Membership Rewards points

Once you pick an American Express credit card and get approved, you can earn rewards through your card's welcome bonus and by using it for regular spending and bills. Additional ways to earn points over time include:

Amex Offers

The Amex Offers program lets you add specific deals to your Amex credit card then, earn additional points for completing an eligible purchase. These offers are free to use and available within your online Amex account or the Amex mobile app.

You can also earn Membership Rewards points by shopping through Rakuten. This rewards portal typically offers cash back when users make purchases at participating stores, but it will convert cash back to Membership Rewards if you opt into this setting.

Refer-a-friend

American Express also has a referral program that can help you earn more rewards. The number of points you can earn depends on the card you have, and promotions change frequently, but you can easily earn up to 15,000 or 20,000 points per referral and potentially more — up to an annual limit.

Rewards checking

Amex offers a rewards checking account with no monthly fees and no minimum balance requirements. You need an American Express credit card to sign up, but you'll earn Amex Membership Rewards points on eligible debit card purchases.

How to redeem American Express Membership Rewards points

The flexibility and versatility of the American Express Membership Rewards program can be a powerful draw, but it's important to remember that how you redeem your points determines their value. Here's an overview of American Express Membership Rewards redemption options and what they're usually worth.

As you can see in the chart above, you'll get the best value for your points if you transfer them to airline and hotel partners and use them for premium travel redemptions, up to 2 cents per point. After that, the next best redemption value applies when you book airfare through AmexTravel.com, at which point you'll receive a value of 1 cent per point.

You can also get 1 cent per point with some gift card options from American Express, although values for different gift cards vary dramatically. For example, you'll only get half a cent per point in value if you redeem rewards for American Express gift cards, whereas gift cards that have a redemption value of 1 cent per point typically come from restaurants and travel brands.

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Rewards values for Amex points aren't that great from there, especially when it comes to other types of travel. You'll get just 0.7 cents per point in value if you use your points to book hotels, cruises or car rentals through the Amex portal. You'll also get anywhere from a half cent per point to 0.6 cents per point to use your rewards for merchandise or statement credits.

American Express Membership Rewards transfer partners

American Express offers an array of valuable transfer partners that could help you get optimal value for your rewards. Where most come with a transfer ratio of 1:1, there are some exceptions.

Amex airline transfer partners

  • Aer Lingus (1,000:1,000).
  • AeroMexico (1,000:1,600).
  • Aeroplan (1,000:1,000).
  • Air France (Flying Blue): (1,000:1,000).
  • ANA Mileage Club (1,000:1,000).
  • Avianca LifeMiles (1,000:1,000).
  • British Airways (1,000:1,000).
  • Cathay Pacific (1,000:1,000).
  • Delta Air Lines (1,000:1,000).
  • Emirates Skywards (1,000:1,000).
  • Etihad Guest (1,000:1,000).
  • HawaiianMiles (1,000:1,000).
  • Iberia Plus (1,000:1,000).
  • JetBlue TrueBlue (250:200).
  • Qantas (500:500).
  • Qatar Airways (1,000:1,000).
  • Singapore Airlines (1,000:1,000).
  • Virgin Atlantic (1,000:1,000).

Amex hotel transfer partners

  • Choice Privileges (1,000:1,000).
  • Hilton Honors (1,000:2,000).
  • Marriott Bonvoy (1,000:1,000).

The AP Buyline roundup

Amex Membership Rewards is a flexible rewards currency that can be used for travel, gift cards, merchandise and more. While this program has some incredible advantages, including its huge selection of airline and hotel partners, disadvantages include high annual fees for some of its credit cards and inferior values for non-travel point redemptions.

Ultimately, this is why you should compare Amex Membership Rewards to other flexible programs like Capital One Miles, Chase Ultimate Rewards and the Citi ThankYou program. Each of these programs works similarly with its own roster of rewards credit cards and redemption options, and there's a good chance one of them will suit you better than the rest.

Frequently asked questions (FAQs)

How much are american express membership rewards points worth.

At the high end of the scale, American Express Membership Rewards points can be worth 2 cents each if you transfer them to partners for premium airfare or hotel redemptions. On the lower end of the scale, they can be worth as little as a half-cent each when you use them to shop for merchandise through Amex.

Do all American Express credit cards earn Membership Rewards?

Not all Amex credit cards earn points in this program. In fact, many other cards from this issuer earn cash back instead.

Do I have to pay an annual fee to earn Membership Rewards points?

Most credit cards that earn Membership Rewards points charge an annual fee, but not all of them do. For example, you can earn this rewards currency and pay a $0 annual fee with the Amex EveryDay® Credit Card or the Blue Business® Plus Credit Card from American Express.

Do Amex points expire?

Amex Membership Rewards points do not expire as long as your account is open and in good standing with an on-time payment history.

What credit score do I need for an American Express credit card?

American Express doesn't list a minimum credit score requirement for its card products, but all available options require very good to excellent credit.

What's the best way to use Amex Membership Rewards?

Amex points offer a higher point value when redeemed for transfers to airline partners or airfare redemptions through AmexTravel.com. This makes these redemptions superior if you're hoping to maximize the value of your rewards.

For rates and fees of the The Platinum Card® from American Express, please visit URL .

For rates and fees of the American Express® Gold Card, please visit URL .

For rates and fees of the The Blue Business Plus(R) Credit Card from American Express, please visit URL .

For rates and fees of the The Business Platinum Card® from American Express, please visit URL .

For rates and fees of the American Express® Business Gold Card, please visit URL .

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How American Express Cruise Benefits Work

Lee Huffman

Lee is a freelance travel writer and podcast host based in Nashville, Tennessee. He loves to travel with his wife and two children using miles and points. Lee has held the Southwest Companion Pass since 2007 and enjoys being spoiled thanks to his Kimpton Inner Circle status.

Giselle M. Cancio

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

amex travel redemption benefit

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

American Express offers exclusive benefits when you book a cruise through its AmEx Cruise Privileges program.

As a cardholder of The Platinum Card® from American Express or The Business Platinum Card® from American Express , you'll receive credits and amenities to enjoy during your trip. Terms apply.

Learn more about these benefits, how to use them and how to maximize rewards on your next cruise vacation.

American Express Cruise Privileges program

American Express cardholders earn rewards and benefits when booking travel through the AmEx Travel portal . The Amex Cruise Privileges program offers exclusive benefits for American Express Platinum members with participating cruise lines.

Offers include complimentary land packages and onboard credits. Additionally, all eligible American Express cards that earn Membership Rewards receive 2x points when booking cruises through AmEx Travel.

Terms apply.

» Learn more: The best ways to book a cruise

amex travel redemption benefit

AmEx Platinum cruise benefits

AmEx Platinum cruise benefits vary based on which cruise line you book and the details of your cruise. AmEx cardholders can book online or call AmEx Travel at 866-669-4423 to receive these exclusive benefits.

At the moment, American Express partners with 18 different cruise lines. Each cruise line offers different benefits across a variety of price points, travel dates and selected cabins.

Shipboard credit

As part of the American Express Cruise Privileges program, eligible cardholders receive $100 to $300 of onboard credits per stateroom. These credits are redeemable for dining, spa services and more. They cannot be used for casino charges, gratuities or similar expenses.

The shipboard credits are applied to your final bill at the end of your cruise.

They may be paid in local currency and are subject to foreign currency fluctuations. Any unused portion of your credits is nonrefundable, so travelers should use them fully.

Exclusive amenities that vary by cruise line

In addition to an onboard credit, reservations include exclusive amenities unique to each cruise line. Examples include premium wine, assorted canapés, spa vouchers and behind-the-scenes ship tours.

American Express Royal Caribbean benefits include one bottle of champagne per stateroom, while Regent Seven Seas passengers receive a private gallery tour.

Visit the American Express Platinum cruise deals page to view each program partner's offers.

» Learn more: The best cruise lines

How to receive American Express cruise benefits

To receive your cruise benefits, follow these steps and ensure your reservation meets the requirements.

Call or book online with AmEx Travel

Your reservations must be booked through AmEx Travel online or over the phone. These benefits are unavailable if you book directly with the cruise line or through a third party, like a travel agent or online travel agency.

Cruise must be at least five days and have double-occupancy

The cruise must be at least five days long, and you must be traveling with at least double occupancy in your room.

Onboard credits and other amenities are available for up to three staterooms per eligible card member, per cruise. So, you can share benefits with fellow travelers if you book all of the staterooms together using your eligible credit card.

Cardholder must travel on the cruise

While you can book additional rooms for travel companions, the cardholder paying for the cruise must be on the trip. Otherwise, those on the cruise will not receive the benefits.

Book an eligible room type

Not all staterooms are eligible for Cruise Privileges program benefits. Requirements vary by cruise line, so double-check eligibility before booking your room to avoid disappointment during your trip.

Use an eligible card to pay

To receive benefits AmEx Cruise Privileges program benefits, you must use an eligible American Express card to pay for your trip. Eligible cards from the U.S. include:

The Platinum Card® from American Express .

The Business Platinum Card® from American Express .

The Centurion® Card.

The Business Centurion® Card.

Other cards that offer similar benefits, like the American Express® Gold Card or the Delta SkyMiles® Platinum American Express Card , are not eligible for these benefits.

» Learn more: The best travel credit cards right now

How to maximize rewards and benefits when booking cruises through AmEx Travel

You'll maximize the rewards and benefits available for your cruise vacation by booking your reservation through AmEx Travel.

Earning vs. redeeming points

American Express Platinum travel cruises earn 2x points on cash reservations. Eligible cardholders can also book American Express rewards cruises using points. Cardholders can redeem points for a portion or all of the cruise cost.

The redemption value of 0.7 cents per point is substantially lower than our average valuation of 2.8 cents each . Due to this low valuation, we recommend saving your points for another redemption and paying cash for your cruise.

Compare credits and amenities among cruise lines

With so many participating cruise lines, travelers have many options available. In some cases, the prices are similar among different lines.

Compare onboard credits and amenities offered to find the best value, even if it means paying a little more upfront.

Waived cancellation fees

AmEx Travel does not charge cancellation or change fees if you need to adjust your reservations. However, the cruise line may charge penalties depending on when you booked, where you're traveling, how long the cruise is and other factors.

Generally, these fees increase as you get closer to your departure date. Before booking your cruise, review the cruise line’s change and cancellation policies to understand what fees may apply.

» Learn more: Tips for collecting AmEx Membership Rewards

American Express cruise benefits, recapped

Eligible American Express cardholders receive exclusive perks on participating cruise lines when booking through AmEx Travel. The AmEx Platinum cruise benefits include onboard credits, exclusive amenities and 2x points on the cash portion of your reservation.

American Express partners with 18 different cruise lines, so there's a strong chance that one of them has a special offer for your desired destination.

Before booking, ensure your trip meets the cruise's requirements to qualify for your AmEx Cruise Privileges program benefits.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Preferred Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Bank of America® Premium Rewards® Credit Card

on Bank of America's website

1.5x-2x Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.

60,000 Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

amex travel redemption benefit

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AMEX Platinum Charge Card Review

Bhavye Goel

AMEX Platinum Charge card is the second topmost credit card available in India from AMEX after the Centurion card which is an invite-only card. AMEX is known for its premium service globally and Platinum card is known for its high-end lifestyle and travel benefits. AMEX offers this card in metal form factor and with no pre-set spend limit (NPSL). This NPSL doesn’t mean that you can spend without any limits since there is an internal limit which is generally more than ₹10Lakh.

This card comes with a big joining and annual fees with an average reward rate on day-to-day spending. But still, this card has many takers due to the value attached especially if you have a high-end lifestyle. This card has been devalued now and then and has lost many tangible benefits.

Let’s check out its benefits in detail and whether they justify its fees or not!

  • 1 Charges and Welcome Benefits
  • 2.1 AMEX Reward Multiplier
  • 2.2 AMEX Reward Xcelerator
  • 3.1 Statement Credit/ Pay with Points
  • 3.2 Travel With Points
  • 3.3 Insta Vouchers & Gold Collection
  • 3.4.1 Airlines Transfer Partners
  • 3.4.2 Hotel Transfer Partners
  • 4.1 Airport Lounge Access
  • 4.2 Birthday Benefit
  • 4.3 Golf Access
  • 4.4.1 Marriott Bonvoy Gold Elite Status
  • 4.4.2 Hilton Honors Elite Gold Status
  • 4.4.3 Taj Epicure Plus
  • 4.4.4 Radisson Rewards Premium Status
  • 4.4.5 Hertz Gold Plus Rewards
  • 4.4.6 EazyDiner Prime
  • 4.5 “Do Anything” Platinum Concierge
  • 4.6 Platinum Experiences Invites
  • 4.7 Insurances
  • 4.8 Supplementary Cards
  • 4.9 Fuel Surcharge Waiver
  • 4.10 Forex Markup Charges
  • 5 Eligibility Criteria
  • 6 TechnoFino Recommends

Charges and Welcome Benefits

The welcome benefits without any doubt equate to the high joining fees of this card since I value an MR point at around 50p. Also, this card has no renewal benefits but AMEX may try to keep you in the loop depending on how much you have spent in the previous anniversary year but yes don’t keep your hopes too high.

Application through referral is a clear-cut winner due to the extra 20,000 MR points which you won’t get on applying directly. Check out the link for detailed referral benefits information. This link is valid only for applying the Platinum Charge card of AMEX.

If you face any problems in the application process or need any handholding related to credit cards you can contact me on Technofino Community if you apply via this link.

Other than this AMEX also gives targeted upgrade offers to current cardholders from time to time with more lucrative joining benefits like the recent one in which they were providing 135K MR points.

Reward Accrual

I have conservatively valued an MR point at a minimum of 50p although there are endless possibilities of using these points since AMEX is known for its travel benefits hence redeeming them for travel will yield you some good value. For the redemption part, you can check the reward redemption part of this review.

  • 1 Spends exclude Insurance and Utilities
  • 2 Maximum of 5000 additional MR points per calendar month
  • Reward points never expire
  • You get to earn MR points even on wallet loads

AMEX Reward Multiplier

AMEX has a Rewards Multiplier portal just like HDFC SmartBuy from where you can purchase gift vouchers or do affiliate shopping and get 5X the usual reward points.

AMEX Reward Xcelerator

AMEX has another multiplier program which has recently been started and is applicable only on AMEX Centurion and AMEX Platinum Charge which are the top two cards available in India from AMEX. The rewards are simply unbelievable especially if you have a luxurious lifestyle and spend a lot on the listed merchants.

AMEX Rewards Xcelerator Listed Merchants

Reward Redemption

Statement credit/ pay with points.

AMEX allows you to take a statement credit on eligible transactions or pay with points on select merchants while entering OTP for your transaction at a value of 25p/point. Most of the new AMEX cardholders use this redemption method but trust me there can’t be a method worse than this to use your MR Points. They are much more valuable than this so kindly ignore these two options.

Travel With Points

Another method to redeem your MR points. With this, you can purchase flights, prepaid hotels, car rentals, and more on AmexTravel. Again this gives you a value of 25p/MR point and is highly not recommended .

Insta Vouchers & Gold Collection

AMEX further offers you a huge variety of instant vouchers against your MR points which have different values for different brands. In this section, there are certain brand vouchers like Amazon,  TAJ , BigBasket, Croma, Flipkart etc. which give better value over others and are called Gold Collection vouchers from AMEX. To redeem the gold collection you need to redeem vouchers in multiple of 18,000 or 24,000 MR points.

One very important thing to keep in mind is that Platinum Cards are not eligible for Gold Collection redemptions hence to redeem points on Gold Collection you need to hold either AMEX MRCC or AMEX Gold Charge .

Just for an idea, I have presented some values for the Gold Collection as Amazon and  Taj give the highest and lowest monetary value per point. Also, keep in mind that AMEX vouchers can only be used to book  Taj  Properties at non-discounted rates. Amazon voucher option is good for  cashback lovers  while  Taj  or  Vistara  vouchers are good for those who are into travelling .

Sometimes AMEX brings up  Hot Rewards  on particular brand voucher redemption which may give a very tempting value. You just need to keep an eye on them.

Transfer Points

Now, this is the hottest redemption option for MR points and if you can play well with this you can yield values of even greater than a rupee per point.

Airlines Transfer Partners

AMEX allows you to transfer points to 8 different airline partners and some of them are so unique that none of the Indian credit cards allows you to transfer points to them like Asia Miles. We have a curated list of all AMEX airline transfer partners here . For booking award tickets using points, you can refer to this post on the TechnoFino Community.

Hotel Transfer Partners

Now, this is the most sought redemption option since anyone with a Platinum or Gold status with Marriott Bonvoy can extract a value of more than 1Re/MR point by transferring a 1:1 ratio with suite upgrades. Breakfast and lounge access with complimentary drinks are an added plus. Since AMEX is the sole transfer partner to Marriott Bonvoy , many points miners use MR points only for transfer to Marriott. What makes Marriott unique is that from Marriott you can further transfer your points to 40 other frequent flyer programs and travel all over the world!

Other than this you can transfer to Hilton Honors also but the value is not that great as compared to Marriott. We have curated a complete list of AMEX hotel transfer partners h ere .

It takes about  0-5 days  to transfer Amex MR Points to various loyalty programs so transfer them well in advance to use them.

Other Benefits

Airport lounge access.

This card is a single-stop solution for all your lounge needs. With this card, you can also access AMEX Lounges in India located at domestic terminals of Delhi and Mumbai and Centurion Lounges all over the world.

For accessing Priority Pass lounges, a digital Priority Pass is issued with AMEX Platinum Charge however if you need a physical card then you need to request one. The Priority Pass issued with this card will not give you complimentary access to lounges within India, unlike the one that comes with the HDFC Infinia and Citi Prestige.

Birthday Benefit

amex travel redemption benefit

For the last couple of years, American Express has been gifting cardmembers a ₹10K TAJ Voucher for their birthdays. The voucher is typically sent about a month before the birthday month, ideally arriving by the end of the previous month.

Golf Access

Complimentary golf access to 30+ Indian golf courses and 50+ international golf courses. This card is one of the unique cards in India which provides gold access internationally.

Elite Tier Memberships

The American Express Platinum Charge Card offers a luxurious array of elite-tier benefits that you can enjoy as long as you hold the card. All these memberships can even be availed by the supplementary card holder as well.

Marriott Bonvoy Gold Elite Status

Platinum card gives you access to Marriott Gold directly without fulfilling the qualification criteria. The benefits include:

  • Earn 25% bonus points on stays.
  • 2 PM late checkout (based on availability).
  • Welcome gift of points.
  • Enhanced room upgrade, including select suites (subject to availability).

Hilton Honors Elite Gold Status

Another hotel loyalty status without breaking the bank with this card. The perks include:

  • Space-available room upgrades to preferred rooms at select brands
  • Earn reward nights faster with an 80% Bonus on all Hilton Honors Base Points you earn
  • Enjoy complimentary Continental Breakfast at select brands outside the U.S., and a Daily Food & Beverage Credit at select brands in the U.S. for Non-U.S. cardmembers.
  • Receive every 5th night free on reward stays booked with all Points
  • Check-in, choose your room and order ahead before your stay with the Hilton Honors App

Taj Epicure Plus

Epicure Plus membership is the stripped-down version of both the paid versions of Epicure. The benefits of Epicure Plus can be broadly summarized as follows:

  • 25% discount on dining and takeaway
  • 25% savings on food deliveries from Qmin
  • 20% off on Spa Treatments at Jiva Spas
  • 20% off on Salon      
  • Complimentary Birthday Cake for Member’s Birthday month
  • 20% off on room/suite stay for unlimited consecutive nights
  • 20% discount on the Best Available Rate of room/suite at Taj Palaces 
  • 20% off on the Best Available Rate for a Room/Suite Stay at Taj Safari
  • One-time pool access with set lunch and wine at a special price of ₹3,000+tax per person for up to 4 guests
  • Happy hours at Taj Club Lounge at select Taj hotels

Radisson Rewards Premium Status

  • Upgrade to Premium Status where you enjoy more relevant benefits
  • Choose how you want to get rewarded: Triple points or up to 20% discount
  • Room upgrade and late check-out when available

Hertz Gold Plus Rewards

Enjoy complimentary enrolment into Hertz Gold Plus Rewards Five Star and receive additional Platinum benefits. Hertz Gold Plus Rewards Five Star benefits:

  • Priority service at the counter
  • One car class upgrade subject to availability

Additional Platinum benefits:

  • Up to 15% discount
  • 25% discount on Hertz Prestige Collection
  • 4 hour return grace period
  • Free additional driver for spouse/civil partner

EazyDiner Prime

Embark on a culinary adventure with EazyDiner ‘s exclusive dining program, complimentary for Platinum Cardmembers. Enjoy guaranteed discounts of 25-50% at over 2,000 premium restaurants in India, earn 2X Eazy Points on dining, and benefit from a dedicated 24/7 VIP concierge service.

“ Do Anything” Platinum Concierge

American Express provides a lifestyle concierge service, offering personalized assistance to cardholders. You can request the concierge to act as your agent, making purchases or booking services on your behalf. These services can include pet care, event tickets for concerts or sports games, hotel or restaurant reservations, and more.

American Express also offers exclusive privileges, such as access to VIP shows, luxury hotels, and even sold-out events. While access is not guaranteed, the concierge service can significantly enhance your chances.

The concierge can also assist cardholders in challenging situations, such as lost baggage, missed flights, or missing reservations.

Platinum Experience s Invites

Amex occasionally invites the cardmember+1 for a “complimentary meal” at ITC/Taj hotels located in metro cities or different high-end restaurants. This distinctive program also allows Platinum Cardmembers to purchase tickets to some of the most sought-after events, often before they are available to the general public.

amex travel redemption benefit

Complimentary Overseas Medical Insurance for US$ 50,000 for the first seven days of your trip for the Basic Cardmembers. This is a very good and unique benefit of this card since you can easily save some good money per instance. Though it’s better to take full travel insurance this also can come in handy.

With the Air Accident Cover , the primary cardholder is insured with the sum of INR 50,000,000 with worldwide cover in unforeseen situations.

Supplementary Cards

With AMEX Platinum you can get up to 4 supplementary cards and an account card for your business expenses. Supplementary cardholders can also enjoy most of the above benefits that a primary cardholder enjoys, including hotel privileges.

Fuel Surcharge Waiver

  • 0% for HPCL transactions less than ₹5,000,1% fee per transaction is applicable for all HPCL transactions on and above ₹5,000.
  • 1% of the transaction value subject to a minimum of ₹10 + applicable taxes, will be charged as a convenience fee at fuel stations operated by the Public Sector Oil Marketing Companies BPCL and IOCL.
  • 2.5% of the transaction value subject to a minimum of ₹10 + applicable taxes, will be charged as a convenience fee at fuel stations of all other Oil Marketing Companies (except HPCL, BPCL and IOCL).

Forex Markup Charges

  • Forex Markup charges are standard 3.50% + GST. This card is a worthy card for international spending since the reward rate on forex almost negates the markup plus you get the AMEX security when you use your card overseas.

Eligibility Criteria

  • For the AMEX Platinum Card an income proof of a minimum gross ₹25LPA is required if you are salaried or an ITR of ₹15LPA if self-employed. AMEX doesn’t process applications on a Card-to-Card basis .
  • Your CIBIL score should be a minimum of 750.
  • You must have an address proof of any serviceable area. 
  • Serviceable City List- Guntur, Hyderabad, Krishna, Medak, Rangareddy, Visakhapatnam, Vizianagaram, Chandigarh, Jaipur, Ahmedabad, Gandhinagar, Bardoli, Surat, Vadodara, Ambala, Jhajjar, Panchkula, Bengaluru, Kochi, Bhopal, Indore, Mumbai, Pune, Raigad, Thane, Bhubaneswar, Khurdha, Mohali, Chennai, Coimbatore, Erode, Kanchipuram, Krishnagiri, Salem, Tiruvallur, Gautam Buddha Nagar, Hooghly, Howrah, Kolkata, North 24 Parganas, South 24 Parganas, Delhi, Noida, Ghaziabad, Gurgaon, Faridabad, Vijayawada, Ernakulam, Secunderabad, Aluva, Ropar, Hosur, Sriperumbudur, Tiruppur, Baramati, Navi Mumbai, Lucknow, Trivandrum, Mysuru, Nasik, Nagpur, and Ludhiana.

AMEX has recently started serving the following Tier 2/3 cities as well

Agra, Ajmer, Allahabad, Ambala, Amritsar, Aurangabad, Chittoor, Dehradun, Goa, Guntur, Guwahati, Jodhpur, Kanpur, Kolhapur, Kozhikode, Kurnool, Madurai, Meerut, Patiala, Raipur, Rajkot, Ranchi, Thrissur, Trichy and Udaipur.

TechnoFino Recommends

The Amex Platinum is not an ordinary card; it offers many lifestyle benefits. However, most Indian credit card users might find these benefits unnecessary unless they already pay for such perks. The card has a high annual fee that cannot be waived by spending a certain amount, and Amex doesn’t offer official renewal benefits. While you might get some retention benefits at renewal, recovering the annual fee after the first year can be challenging.

Decide if you need the lifestyle perks this card offers. If so, it’s one of the best credit cards available. If not, reconsider applying, as there are more rewarding cards at a lower cost. The Amex Platinum Charge is designed to enhance your lifestyle, not just for earning rewards.

Although the welcome benefit publically is limited to ₹45K TAJ Vouchers you may request 100K MR Points by calling the AMEX support line after receiving but before activating your card. They mostly approve such requests. Apply now to experience the AMEX Platinum Life!

What are your thoughts about this AMEX Platinum? Feel free to share your tricks in the comments below.

amex travel redemption benefit

Chief Editor, TechnoFino. Personal finance nerd! Physics enthusiast and trainer. When not into Physics, he is minting points and hunting for the next best credit card for himself.

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The best American Express credit cards have earned high marks thanks to their stellar rewards and perks. Amex offers a card for almost every type of spender, including credit cards for beginners, casual travelers, road warriors and always-on-the-go business travelers. Whether you’re looking for global airport lounge access, generous cash back in specific categories or premium access to events, Amex has a card to fit your needs.

TPG’s experts have compiled an in-depth list of the best Amex credit cards, including several that don’t have an annual fee, based on our personal experiences. Check out the picks from our partners below to see how they stack up against each other and choose which is right for you.

  • American Express® Gold Card : Best for U.S. supermarkets and restaurants
  • The Platinum Card® from American Express : Best for high-end benefits
  • The Business Platinum Card® from American Express : Best for frequent business travelers
  • Blue Cash Preferred® Card from American Express : Best for maximizing cash back
  • Delta SkyMiles® Reserve American Express Card : Best for SkyClub access
  • Delta SkyMiles® Gold American Express Card : Best for occasional Delta flyers
  • Blue Cash Everyday® Card from American Express : Best for cash-back beginners
  • The Blue Business® Plus Credit Card from American Express : Best for small businesses that spend under $50,000 each year
  • American Express® Business Gold Card : Best for flexible earning on business expenses

Browse by card categories

Comparing the best american express credit cards, more details on the best credit cards, maximizing american express rewards, helpful tools, how we rate, what is american express, how to choose the best amex credit card, ask our experts, pros + cons of american express cards, frequently asked questions.

  • No Annual Fee

American Express® Gold Card

American Express® Gold Card

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card .

  • 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
  • 3 points per dollar on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $6,000 in the first six months of card membership.
  • Weak on travel and everyday spending bonus categories
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

The Platinum Card® from American Express

The Platinum Card® from American Express

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full review of the Platinum Card from American Express .

  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $1,400 in assorted annual statement credits and so much more. (Enrollment required)
  • The current welcome offer on this card is quite lucrative. TPG values it at $1,600
  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • See Rates & Fees

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full review on The Business Platinum Card from American Express .

  • Up to $100 credit for Global Entry every 4 years or up to $85 TSA PreCheck application fee every 4 1/2 years (enrollment required)
  • Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs. (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • International Airline Program; and Cruise Privileges Program
  • Steep annual fee
  • High spend needed for welcome offer.
  • Limited high bonus categories outside of travel
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card from American Express .

  • This card has one of the best earning structures out for among cash-back credit cards.
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.
  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the  Delta SkyMiles Reserve card .  Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

  • Statement credit for TSA PreCheck (Up to $85 every 4.5 years) or Global Entry fee (up to $100 every 4 years)
  • Delta SkyClub access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • High annual fee of $650
  • Lower fee Delta cobranded cards offer superior earning categories
  • Earn 95,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. 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 Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • $650 Annual Fee.

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free and priority boarding. It can easily justify getting and keeping this card. Read our full review of the Delta SkyMiles Gold American Express Card .

  • 20% back in the form of a statement credit on in-flight purchases (not including Wi-Fi)
  • First checked bag free for you and up to eight companions
  • Priority boarding
  • There are better Delta cards if you want lounge access or a boost to earn elite status
  • Doesn't make sense if you don't fly Delta
  • Earn 65,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a $0 introductory Annual Fee for the first year, then $150.
  • Delta SkyMiles® Gold 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.
  • $200 Delta Flight Credit: After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
  • You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • $100 Delta Stays Credit: Delta SkyMiles® Gold American Express Card Members can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
  • 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 on eligible Delta in-flight purchases after using your Card.
  • With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the  Blue Cash Everyday Card from American Express .

  • No annual fee
  • 3% cash back at U.S. gas stations and U.S. online retail purchases
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
  • 3% cash back at U.S. supermarkets
  • There is a $6,000 spending cap on the U.S. supermarkets bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

This  credit card  is good for two groups of consumers. First,  small business owners  who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other  Amex cards  that earn Membership Rewards points and want a card with an  everyday rewards rate , the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). Read our full review of the  Blue Business Plus card .

  • Earn Membership Rewards points
  • Transfer points to 22 airline and hotel partners
  • 2x points capped at $50,000 per calendar year; then 1x
  • No higher bonus categories for business-related spending
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • Terms Apply

American Express® Business Gold Card

American Express® Business Gold Card

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card .

  • You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1 point per dollar).
  • Hefty $375 annual fee.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

The Amex Gold awards 4 points per dollar at U.S. supermarkets (on up to $25,000 in spending each year, then 1 point) and 4 points per dollar at worldwide restaurants, making it one of the more rewarding cards for everyday purchases.

Anyone who’s looking to maximize their grocery and dining purchases can get a ton of value from the Amex Gold.

“There's no better card for groceries and dining than the Amex Gold. I earn 4 points per dollar in both of these categories, and with additional perks like monthly statement credits and the ability to transfer my Membership Rewards points to valuable airline partners, the card is a mainstay in my wallet.” — Nick Ewen , director of content

For a much lower annual cost, consider the Chase Sapphire Preferred® Card , which offers 5 points per dollar on purchases through Chase Travel℠; 3 points per dollar on dining, select streaming services and online grocery delivery (excluding Walmart, Target and wholesale clubs); and 2 points per dollar on all other travel purchases.

The perks on the Amex Platinum are almost too numerous to list out — but they include extensive airport lounge access and a variety of statement credits to make your travel (and select everyday purchases) more rewarding and less costly.

The Amex Platinum is ideal for someone looking for additional luxury on their travels, but the numerous lifestyle perks could make it a terrific choice for an even broader audience.

“Whilst this card has a high $695 annual fee (see rates and fees ), it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights — whether bought with cash or points — on this card to earn 5 points per dollar spent (on up to $500,000 in these purchases per year) and to enjoy various travel protections. I also make sure to take full advantage of the array of statement credits. And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt , senior editor

For luxury perks at a much lower price point, the Capital One Venture X Rewards Credit Card could be a great option.

The Amex Business Platinum has a list of perks almost too lengthy to mention — including annual statement credits for various business-related expenses. But the most appealing aspects of the card involve the travel benefits, including automatic hotel elite status and access to the Fine Hotels + Resorts program. 

Small-business owners who want to add a bit of luxury to their travels while saving money on some essential purchases would be a great fit for the card.

“I find that the annual perks and credits provide a ton of value. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear Plus, our cellphone plan and restocking my home printer with ink and paper from Dell, I get more value out of the card than it costs to keep it (enrollment is required for select benefits). Plus, it earns my favorite points — American Express Membership Rewards points — earning 5 points per dollar on flights and hotels booked with Amex Travel (on up to $500,000 in purchases each year).” — Ryan Smith , former credit cards writer

If you’re more focused on earning rewards rather than using benefits, consider the American Express® Business Gold Card , which offers 4 points per dollar on your top two spending categories each billing cycle (on up to $150,000 in combined purchases each year, then 1 point per dollar).

The Blue Cash Preferred offers solid cash-back rewards across a variety of categories, but you can also enjoy a lucrative welcome offer and additional statement credits for select purchases during the year.

Someone who doesn’t want to worry about maximizing travel rewards is a great fit for the Blue Cash Preferred.

“The Blue Cash Preferred Card is the card I recommended to my parents when they were looking for a new cash-back rewards card for their groceries. My parents prefer the simplicity of cash-back rewards and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, then 1% after. Compared to the 1.5% cash back they were earning on these purchases, the elevated earnings easily justified adding the Blue Cash Preferred to their wallet.” — Katie Genter , senior writer

For similar perks at a lower cost, consider the Blue Cash Everyday® Card from American Express , which has comparable cash-back rates for no annual fee (see rates and fees ).

The Delta SkyMiles Reserve provides cardholders with complimentary Sky Club access whenever they fly with Delta Airlines in addition to complimentary Centurion Lounge access as well. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Frequent Delta flyers who book travel and make purchases directly with the airline should carry this card in their wallets since it earns 3 miles per dollar spent in this category. Plus, with the SkyMiles Reserve card, your first checked bag is free on Delta flights.

If you enjoy complimentary upgrades, the Delta SkyMiles Reserve card can help you access them. Even if you haven’t achieved Medallion status yet, this credit card adds you to the complimentary upgrade list (after Medallion-status members). You’ll also get a 20% statement credit on eligible inflight purchases when you use your SkyMiles Reserve card.

The Delta SkyMiles® Platinum American Express Card features a lower annual fee of $350 (see rates and fees ) and still offers cardholders plenty of perks, including a Global Entry statement credit every four years and 15% savings when using miles to book award travel on Delta flights booked through the airline.

There’s a lot to love about the Delta SkyMiles Gold Amex, thanks to perks like no foreign transaction fees, a free checked bag, priority boarding and a $200 Delta flight credit after you spend $10,000 or more on your card in a calendar year. It has an annual fee of just $150, $0 intro annual fee for your first year.

You’ll enjoy great airline-specific perks and travel benefits with a low annual fee, making the Delta Gold Amex a great option for casual Delta flyers and new travelers.

“As someone who likes flying Delta but doesn’t fly often enough to earn elite status, my Delta SkyMiles Gold Amex still gives me elitelike perks to help upgrade my travel experience.” — Madison Blancaflor , senior content operations editor

Those seeking Delta Medallion elite status may prefer the Delta SkyMiles® Platinum American Express Card . This card can help you requalify for Medallion status based on your spending each year and also includes additional perks for frequent Delta travelers.

For no annual fee, you’ll enjoy up to 3% cash back on a variety of purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Those looking for lucrative cash-back rates without an annual fee are great candidates for the Blue Cash Everyday.

“I added this card to my wallet shortly after my first travel card as a way to earn better rewards on U.S. gas and U.S. supermarket purchases. Three percent back on both categories (up to $6,000 per year in purchases, then one percent after) was a great way for me to earn higher cash back on many of my everyday purchases without any added annual fee.” — Jack Markham, senior director

The Blue Cash Preferred® Card from American Express offers notably higher cash-back rates at select merchants, so depending on your spending habits, you could come out ahead — even once the card’s $95 annual fee kicks in, $0 intro annual fee for the first year (see rates and fees ).

It’s rare that a card with no annual fee (see rates and fees ) awards fully transferable points, but that’s exactly what you’ll get with the Blue Business Plus. These points can be redeemed for travel directly with American Express, but for more value, you can transfer them to an eligible hotel or airline loyalty program.

Small-business owners who don’t want to worry about maximizing bonus categories can earn a ton of Amex points with the Blue Business Plus.

“There are very few no-annual-fee cards that award fully transferable points, but the Amex Blue Business Plus is one of them. Not only that, you'll earn 2 Membership Rewards points for every dollar you spend (on up to $50,000 each year, then 1 point). That's a fantastic return of 4% back based on TPG's valuations , making this a great option for your small-business needs.” — Nick Ewen , director of content

If you don’t want to worry about travel rewards and instead want to plow your earnings back into your small business, go for the American Express Blue Business Cash™ Card — which also incurs no annual fee (see rates and fees ) and gives 2% cash back on every purchase (on up to $50,000 in spending each calendar year, then 1% cash back). These rewards are automatically applied to your card balance as a statement credit.

Membership Rewards points are incredibly valuable, and the Amex Business Gold card lets small businesses earn a ton of them. You’ll earn 4 points per dollar on the two categories where you spend the most each billing cycle (on up to $150,000 in combined purchases each year, then 1 point per dollar). These points can go a long way toward your next luxury flight redemption.

Any small-business owner with significant spending in the eligible bonus categories — which include U.S. gas stations, U.S. restaurants, select technology providers and certain advertising purchases — can get great value from the Amex Business Gold card.

“No other card provides the earning potential and adaptability this card has. Sure, its $375 annual fee isn’t cheap (see rates and fees ), but I love the fact I don’t need to think about what purchases I put on this card. It will automatically adapt and provide 4 points per dollar in my top two spending categories monthly.” — Ryan Smith , former credit cards writer

For a fixed earning rate and no annual fee (see rates and fees ), go for the The Blue Business® Plus Credit Card from American Express . You’ll earn 2 Membership Rewards points per dollar spent on all purchases (on up to $50,000 in spending each calendar year, then 1 point per dollar).

Leverage Membership Rewards points

Membership Rewards points are the points currency of American Express and are considered some of the most valuable points in the world of points and miles . The best way to maximize the value of your hard-earned Membership Rewards points is through transferring them to any of Amex’s 17 airlines and three hotel transfer partners . Certain redemption options are a better value than others, but transferring to a reward partner is still the best way to maximize your points. Keep an eye out for periodic transfer bonuses to specific partners to get even more out of your points. 

Utilize Amex Offers

Redeeming points and miles is not the only way to take advantage of credit cards. One of the best ways to maximize American Express rewards is by taking advantage of Amex Offers . All American Express cards come with access to Amex Offers, and these offers are a variety of savings from various merchants, travel providers and more. Common forms of Amex offers include: 

  • Spend $X, get Y number of bonus points
  • Spend $X, get $Y back
  • Get additional points for each dollar you spend at a select merchant
  • Get X% back by using the link provided

These offers are targeted for cardholders, which means you should see many great ways to save for your spending. 

Combine cards to maximize your rewards

Many American Express cards offer terrific value. However, when you combine two (or more) of them, your rewards can really take off. Maybe you start with the Amex Platinum to utilize its array of travel perks and statement credits. Then, you can add in the Amex Gold for bonus rewards on dining and grocery purchases. You could even look at layering in a business card to make the most of any business-related spending. By carrying more than one Amex card, you ensure you are getting the most Membership Rewards points out of your spending. 

  • Awards vs cash calculator Compare the cost in points or miles to cash.
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American Express is a card issuer that offers a number of products and services for customers. It has partnerships with some of the largest travel brands out there — including Delta, Marriott and Hilton — but it also issues cards under its proprietary Membership Rewards umbrella.

Many Amex cards come with fixed credit lines, but others have no preset spending limits — though you must repay the balances in full and on time every month.

Types of American Express credit cards

There are many different kinds of American Express cards, so be sure to carefully consider which one(s) would be the best for you.

Many Amex cards are specifically designed to enhance your travel experience. This includes cobranded cards with Delta SkyMiles, Marriott Bonvoy and Hilton Honors. Beyond earning points or miles with the specific loyalty program, you’ll enjoy an array of benefits when you do business with the program. Depending on the specific card, this can include waived checked bag fees, priority check-in, shortcuts to (or outright) elite status, or annual certificates that can be redeemed for a free night or a companion’s airfare.

American Express issues many cards that earn Membership Rewards points. This is Amex’s own currency, and you can use these points in a variety of ways. This includes booking travel directly with American Express Travel and redeeming them for statement credits, but you also have the ability to transfer your points to partner programs. This is where you often get the best value for your rewards.

For those not interested in travel perks or rewards cards, American Express offers a number of cash-back cards. These typically offer a certain percentage of each transaction back in rewards, so if you want added flexibility (rather than being forced into using your points for travel), one of these cards can be a great fit.

In each of the above categories, you can generally choose between personal and business card products. Many top travel, rewards and cash-back cards from American Express are tailored to small businesses — and in most cases, you can pool your rewards from business cards and personal cards, putting your next redemption even closer.

American Express benefits

American Express cards have long held a reputation for lucrative benefits, though the extent of these perks depends on the card you have.

The American Express Membership Rewards ecosystem is incredibly valuable, and many Amex cards offer bonus points on select purchases. Again, be sure to match up how you spend your money each month with a card that will maximize your earnings on those purchases.

Many of the top American Express cards feature travel benefits like automatic elite status, airline fee credits and access to concierge services. Some of these are easy to put a dollar amount on, but others can be challenging. Evaluate your own situation to determine whether these perks will cover most (or all) of a card’s annual fee.

Every American Express personal and business card is eligible for targeted Amex Offers. These must be activated in your online account ahead of time, but they’ll typically offer things like bonus points or a discount when making a purchase at a select retailer.

We always recommend checking these offers on a regular basis, as you never know when one might appear that applies to you.

Using your American Express card is typically a secure transaction, and the issuer offers $0 fraud liability (as long as you report fraudulent activity in a timely fashion). However, many Amex cards also include an array of shopping protections and travel protections that can cover you if (or when) things go wrong.

Once you select a specific card (or cards), carefully review your benefits guide to ensure you understand exactly what you have.

What TPG readers have to say about their favorite American Express credit cards

American Express is well known for its roster of cards that offer stellar perks and credits. Below, TPG readers share their favorite American Express cards and how they use their cards for general purchases and upgraded travel. 

Note: Responses have not been edited.

The Platinum Card® from American Express “The annual fee pays for itself .” — Chris B via Facebook

“Uber and GrubHub credits .* I use them every single month because they're offered every month.” — Chris H via Facebook

*Enrollment required.

“Transferring Amex Biz Platinum points to Delta Amex for 10 round trip Comfort+ flights between OMA-JFK that most have received automatic 1st class upgrades on.” — Tammy S via Facebook

amex travel redemption benefit

  • 1 Sign-up bonus Go with an Amex that features a decent sign-up bonus — you can use the reward for future travel plans or to pay down a balance if you opt for a cash-back card. Select an option that has an achievable spend threshold and that you’ll earn the currency most valuable to you — whether it’s points, miles or cash back.
  • 2 Annual fee While some of the Amex cards on our list feature high annual fees, they also offer stellar travel and shopping protections in addition to other benefits like credits in certain categories. We also included no annual fee cards for those who don’t want to worry about paying for a card each year.
  • 3 Bonus categories The best Amex cards on this list feature several bonus categories, ensuring there’s a good fit for every type of consumer. If you want to earn rewards on grocery store purchases or flights booked through the Amex travel portal, it’s likely that one of our top-rated picks is well-suited to your specific needs.

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What's your favorite Amex card — and why?

Brian Kelly

  • Using American Express cards responsibly can help you build your credit score.
  • American Express cards can earn points, miles or cash back on every dollar you spend.
  • Many American Express cards offer valuable shopping and travel protections.
  • Select American Express cards provide perks like statement credits, elite status and more.
  • Credit cards can encourage overspending.
  • Carrying a balance and using your Amex card irresponsibly can damage your credit score.
  • The cost of borrowing on Amex cards is higher than traditional loans.
  • Having too many card applications can negatively affect your credit score.
  • American Express may not be accepted at all merchants.
  • American Express typically allows you to only earn a welcome bonus on a card once in your lifetime.

Yes, American Express is a reliable issuer that offers a variety of lucrative cards. This includes a number of great cash-back options as well as many that award Membership Rewards points, which are some of the most valuable transferable points out there.

To start an American Express application, you can click on any of the links in this guide and follow the onscreen prompts. Be prepared with your Social Security number along with all of your contact information.

No, but the issuer has made strides in recent years. In fact, according to the February 2023 Nilson report, Amex is now accepted at 99% of U.S. merchants that take credit cards — putting it nearly even with networks like Visa and Mastercard.

There’s no single threshold to get approved for an American Express card, but most of them require good or excellent credit — which means a score of at least 670. However, even that may not be enough for a premium card like the The Platinum Card® from American Express.

Amex generally limits the number of personal cards you can have to five, though cards without preset spending limits — like The Platinum Card® from American Express and American Express® Gold Card — are typically excluded from this number, as are small-business Amex cards.

However, that’s not a license to apply for new cards with abandon, since American Express will consider your history of opening and closing accounts when deciding on your approval. You can read more information in the Amex section of our guide to credit card application restrictions.

There’s no one “best” American Express card for everyone. If you’re looking for more luxury when traveling, The Platinum Card® from American Express could be a great fit. However, if you just want simple cash-back rewards, you may prefer a product like the Blue Cash Preferred® Card from American Express.

Start by identifying the type of rewards you want — Membership Rewards points, airline miles, hotel points or cash back. Next, consider the types of purchases you make on a regular basis along with other benefits you value highly. Then, pick the card that offers your preferred rewards currency along with sufficiently lucrative benefits and earning rates based on your typical spending habits.

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Membership Rewards

Membership Rewards ®  Program

Rewards that actually reward.

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Already know how you want to use Membership Rewards ® points? Log in to redeem now.

The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T&Cs apply.

Why you’ll love Membership Rewards points

Unlimited Earning

 With no caps, you can earn points on eligible spend

Continue to earn and grow your points every year

Redeem for almost anything on points

How to Redeem Membership Rewards Points

Use points to travel.

Transfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs 1 .

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Use your Membership Rewards points to pay for your next flight, prepaid hotel or car rental when you book with Amex Travel Online 2 .

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Use Points for Purchases

Membership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card 3 .

Log in to your Account to use points to pay for eligible transactions.

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Redeem your points for a credit to your Card, then use this additional credit to buy whatever you like. Amounts credited will appear on the first billing statement following redemption 4 .

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Use Points for Gift Cards

Redeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more 5 .

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Use Points to Shop

Use your Membership Rewards points to make purchases online and shop at your favourite brands 6 .

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How to Earn Points

Explore the different ways to earn Membership Rewards points

Use your Card for everyday purchases like petrol, grocery shopping and eating out

Add Additional Cards for your family and friends to earn points on their spend. T&Cs apply 7

Refer a Friend and you could both earn Bonus Points

Check Amex Offers for Bonus Points offers

Ready to Start Earning Points

Explore our lineup of American Express Membership Rewards Cards

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Expect rewards after you apply and are approved for an eligible American Express ® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply.

Membership Rewards FAQs

What is membership rewards.

Membership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.

How do I redeem my points?​

Redeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose.  Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program.

What can I redeem my points for?

You can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program.

How do I enrol in Membership Rewards?

Choose a Card that earns Membership Rewards points here . Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information . 

How do I earn points?

You can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.

How do I earn points quickly?

To quickly earn Membership Rewards points, follow the below tips:

  • Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up.
  • Add Additional Cards to your account so that their spend accumulates points for your Account
  • Refer a friend to get Bonus Points
  • Check Amex offers for Bonus Points offers. 

Subject to the Terms and Conditions of the Membership Rewards program.

How do I check my points Balance?

You can check your points balance by logging in to your Membership Rewards Dashboard . There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available.

What is the Membership Rewards Ascent Program?

The Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards Dashboard to see the redemptions available to you.

Still have more questions? Visit Membership Rewards FAQs

Membership Rewards Terms and Conditions

View full terms and conditions below.  

American Express Consumer Cards

American Express Corporate and Business Cards

Qantas Direct Cards

David Jones Cards

Terms and Conditions for the Membership Rewards program apply.

  • To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.
  • American Express Travel Online: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Program.
  • For each successful transaction with covered with points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund.
  • American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee.
  • Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.  
  • Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing.
  • Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
  • You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.
  • Points earned by any Additional Card Members will automatically accrue to your Program Account only. Additional Cards cannot be enrolled in the Program separately from your Program Account.

IMAGES

  1. The Essential Guide to American Express Membership Rewards

    amex travel redemption benefit

  2. Travel Protection Benefits of Chase, Citi, & Amex Cards: Comparison

    amex travel redemption benefit

  3. The Platinum Card® from American Express Travel Credits and Benefits

    amex travel redemption benefit

  4. American Express Points Redemption Chart

    amex travel redemption benefit

  5. American Express Point Redemption

    amex travel redemption benefit

  6. How to use American Express Platinum Travel Credit Card for Maximum

    amex travel redemption benefit

VIDEO

  1. Is the American Express Delta Reserve the GOAT Now? 2024 Review

  2. American Express MRCC Devaluation Update 😩

  3. Amex Unboxing

  4. How to redeem Amex reward points

  5. HOW TO USE AMEX POINTS FOR DOMESTIC FLIGHTS (2024) FULL GUIDE

  6. Why Cent Per Point Values Don't Matter (w/ Anthony Venture)

COMMENTS

  1. Flight Credit Redemption

    The benefits associated with the Additional Card(s) you choose may be different than the benefits associated with your basic Card.Your Platinum Card ® from American Express will get 4 additional points (for a total of 5 points) on the first $500,000 on eligible air purchases of scheduled flights made directly with a passenger airline or ...

  2. American Express Travel: Everything you need to know

    The American Express Travel portal allows you to redeem Membership Rewards points directly for travel reservations and activities rather than transfer your rewards to airline or hotel partners like Delta Air Lines SkyMiles and Marriott Bonvoy.. You also can book discounted premium tickets, use benefits like a 35% points rebate on certain bookings and even book premium hotels with additional ...

  3. Travel Benefits & Rewards for Cardmembers

    You will earn one Membership Rewards® point for each dollar of eligible purchases charged in each billing period on the American Express Green Card®. Travel: You will earn 2 additional points (for a total of 3 points) for each dollar charged on eligible travel purchases including airfare, hotels, cruises, tours, car rentals, campgrounds ...

  4. Amex Travel Benefits and Resources

    Book directly with American Express to use benefits that could help you extend your travel. Go Farther With Membership Rewards® Points. Let Membership Rewards points cover this trip, or the next. From short flights to long stays, eligible Card Members can earn extra points when you book flights, prepaid hotels, prepaid car rentals, and cruises ...

  5. AmEx Travel Portal: What You Need to Know

    Here are eight reasons why booking with AmEx travel could be a good idea. 1. Earn up to 5x points. When you book flight through the AmEx Travel portal, your credit card may earn additional points ...

  6. Travel Benefits & FAQs

    The $200 Hotel Credit is an annual benefit of the U.S. Consumer Platinum Card®. Each calendar year, Basic Card Members can earn up to $200 back in a statement credits on eligible prepaid hotel bookings with American Express Travel's curated collections of hotels: Fine Hotels + Resorts® and The Hotel Collection when paid with an eligible U.S. Platinum Card.

  7. Best ways to use Amex Membership Rewards points

    This is because Amex Travel only lets you redeem at a set 1 cent per point value for flights, while transfers can yield a much higher value. Most Membership Rewards transfers process instantly, while others can take up to 48 hours. Check out our guide to Membership Rewards transfer times for more information.

  8. Platinum Credit Card Membership Guide

    Platinum Card® Members receive valuable benefits on eligible sailings of 5 nights or more with participating cruise lines when booking through American Express Travel or AmexTravel.com. Up to $300 onboard credit per stateroom to use toward dining, spa and more. One unique amenity per stateroom. Earn 2X Membership Rewards® points per booking ...

  9. AmEx Pay With Points: What to Know

    1. Login and input travel details. To use your Membership Rewards points to Pay With Points, start by logging into your AmEx account at American Express Travel. Choose the type of travel you want ...

  10. How to use the Amex Platinum $200 airline fee credit in 2024

    It's no surprise that The Platinum Card® from American Express is packed with premium benefits. One of the most generous perks of the premium card is the annual statement credit for up to $200 in airline incidental fees. When fully maximized, this perk can reduce the sting of the card's $695 annual fee (see rates and fees). Enrollment is required.

  11. American Express Membership Rewards: The Ultimate Guide

    The American Express travel portal is an online travel agency (OTA) where you can use Membership Rewards points as a method of payment for flights, hotels, rental cars, cruises and other forms of ...

  12. Everything you need to know about Amex Travel

    Amex Platinum and Amex Business Platinum cardmembers have another benefit: discounted premium tickets through Amex Travel's International Airline Program. This program offers discounts on first ...

  13. Understanding Amex travel partner and best redemption. : r/amex

    To Europe in business class (105k points total for 2 tickets there) and 50k points flying home in economy plus. You can find awards as low as 30k round trip if your travel dates are flexible. International airlines are typically the best redemption. A good redemption is 2 c per point roughly. I think for my fares I got roughly 7-8 c per point ...

  14. How to redeem American Express Membership Rewards for maximum value

    SUMMER HULL/THE POINTS GUY. You can transfer Amex Membership Rewards points to British Airways Executive Club at a 1:1 transfer ratio. The program regularly offers transfer bonuses that allow you to maximize its distance-based award chart. However, even without a bonus, there's still a lot of value in the program.

  15. Benefits of the American Express Platinum Card

    6. Up to $200 in annual hotel credit. You'll get a credit on prepaid bookings with American Express Travel at The Hotel Collection (two-night minimum required) or Fine Hotels + Resorts properties ...

  16. Amex Platinum Card: 24 Benefits & Perks [$4,316+ Value]

    The Amex Platinum card earns a whopping 5 Membership Rewards points per dollar on flights booked directly with airlines or with AmexTravel.com (up to $500,000 per year) and 4 Membership Rewards points per dollar on prepaid hotels booked with AmexTravel.com. If you purchase a $500 flight, you'll earn 2,500 points.

  17. Amex Membership Rewards: Your guide to earn and redeem points

    Earn 10,000 Membership Rewards points after spending $2,000 within the first six months of card membership. Category bonus earning. 2X points at US supermarkets (up to $6,000 per year); 1x points ...

  18. AmEx Membership Rewards: How to Earn and Use Them

    American Express® Gold Card. Earn 4 Membership Rewards points per dollar spent at restaurants. Earn 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in spending each year, then 1 ...

  19. American Express Platinum Benefits & Travel Perks

    Enjoy More Benefits With The Hotel Collection. Style, perks, and benefits await at over 700 boutique, design-inspired hotels around the world. Enjoy premier benefits unique to each property - including a room upgrade at check-in when available and a $100 experience credit - when you book a prepaid stay of at least two consecutive nights with The Hotel Collection through American Express ...

  20. Amex Platinum: Full List of Travel Insurance Benefits [2024]

    Frequent travelers who are interested in premium travel benefits and solid reward-earning opportunities gravitate to The Platinum Card ® from American Express.The card, as well as The Business Platinum Card ® from American Express, has been the go-to card for meeting travelers' earning, redemption, and benefits needs.. We frequently cover Membership Rewards points-earning opportunities, as ...

  21. American Express Membership Rewards guide

    card_name and the card_name have the most robust selection of travel benefits available from this card issuer, ... How to redeem American Express Membership Rewards points. The flexibility and versatility of the American Express Membership Rewards program can be a powerful draw, but it's important to remember that how you redeem your points ...

  22. How to maximize benefits with the Amex Platinum Card

    Earn 80,000 Amex Membership Rewards points after you spend $8,000 on purchases on the card in your first six months of card membership. Earn 5 points per dollar for flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year, then 1 point per dollar) Earn 5 points per dollar on ...

  23. Amex Membership Rewards® Points

    Redeem Membership Rewards points for gift cards, travel, and so much more. Browse redemptions now to start creating moments that matter.

  24. AmEx Platinum Cruise Benefits: What to Know

    AmEx cardholders can book online or call AmEx Travel at 866-669-4423 to receive these exclusive benefits. At the moment, American Express partners with 18 different cruise lines.

  25. AMEX Platinum Charge Card Review

    I have conservatively valued an MR point at a minimum of 50p although there are endless possibilities of using these points since AMEX is known for its travel benefits hence redeeming them for travel will yield you some good value. For the redemption part, you can check the reward redemption part of this review.

  26. 9 Best American Express Credit Cards of June 2024

    3%. 3% Cash Back at U.S. gas stations. 1%. 1% Cash Back on other purchases. Why We Chose It. The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You'll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee.

  27. Travel

    The Fixed Points Travel Program applies to airfares offered through American Express Travel Services Canada or on americanexpress.ca/travel. When you redeem points for an eligible flight, the full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of

  28. Membership Rewards® Program

    American Express Travel Online: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards points with American Express Travel Online, you need to have available limit on your Card for the full transaction ...