For travel enthusiasts, The Platinum Card® from American Express (Terms apply, rates & fees) has long been a staple of luxury perks and premium rewards. Among its many benefits, two annual statement credits stand out: its airline fee credit and hotel credit.
Both help card members offset the card’s hefty $895 annual fee, but they’re not created equal. The hotel credit, in particular, is emerging as the real standout, offering more value and flexibility than ever before.
The Basics: What Cardholders Get
- Airline fee credit. Platinum members receive up to $200 annually in airline incidental fee statement credits. These are designed to cover costs like checked bags, in-flight snacks or seat upgrades, but not airfare itself. The catch? You must choose one qualifying airline each year, and the credit only applies to incidentals on that airline. If you’re not brand loyal, it’s easy to miss out on fully utilizing this benefit.
- Hotel credit. Platinum’s existing hotel credit recently received a revamp, now offering $600 in yearly value. The credit is split into two up to $300 semiannual statement credits and is valid on prepaid bookings made through Fine Hotels + Resorts or The Hotel Collection through American Express Travel. Each stay booked through Fine Hotels + Resorts comes with a suite of perks: breakfast for two, guaranteed 4 p.m. late checkout and room upgrade upon arrival when available. Note: The Hotel Collection requires a minimum two-night stay.
On top of these perks, new cardholders can snag a personalized offer as high as 175,000 Membership Rewards® Points after spending $8,000 on eligible purchases on the card in the first 6 months of card membership (approval required, welcome offers vary and you may not be eligible for an offer).
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5X Reward Rate
5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts®Read More
Welcome Bonus
As High As 175,000 points. Find Out Your Offer.
Annual Fee
$895
Regular APR
See Pay Over Time APR
Credit Score
Good, Excellent
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
- New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
Why the Hotel Credit Wins on Value
Unlike the airline incidental fee statement credit, which can feel restrictive, the hotel statement credit is more straightforward and loaded with extras. Booking through Fine Hotels + Resorts doesn’t just get you a nice room; it offers a mini-VIP experience.
Think early check-in, resort credits for dining or spa treatments and late checkout, so you can enjoy your last day without rushing to pack the moment you wake up.
Using both up to $300 credits in a year gives you up to $600 in statement credits toward hotel stays. Add complimentary perks, and the card’s annual fee feels more manageable.
For anyone who stays at least a couple of nights a year at a luxury property, this benefit can more than pay for itself.
How To Max Out Both Credits
Airline Fee Credit Tips
- Choose your airline strategically. Pick the carrier you fly most often.
- Use the statement credit for add-ons you’d buy anyway, such as checked baggage or seat selection.
- Keep in mind that the statement credit resets each calendar year—use it or lose it.
Hotel Credit Tips
- Book through Amex Travel’s Fine Hotels + Resorts or The Hotel Collection to unlock the statement credits.
- Plan around the credit’s semiannual structure: one up to $300 statement credit in the first half of the year, one in the second.
- Take full advantage of the added perks: breakfast for two, late checkout, room upgrades and property credits.
Bottom Line
The travel credits available on The Platinum Card® from American Express are key tools for getting real value out of the card. While the airline statement credit can be hit or miss depending on your travel style, the hotel statement credit is a clear standout.
When used strategically, both credits can shave hundreds off your travel costs while adding luxury perks that make Platinum membership feel premium. For travelers who know how to make the most of the system, these credits aren’t just ways to offset the annual fee, but upgrades to the entire travel experience.
To view rates and fees for The Platinum Card® from American Express please visit this page.
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