American Express
Hidden Perks Guide
Most Amex cardholders use less than a third of their benefits. Here’s everything you’re entitled to — and how to actually claim it.
Amex Platinum
The Platinum was refreshed in September 2025 with a higher annual fee but significantly more credits. Most cardholders who use all the benefits can extract well over $3,500 in annual value — but it takes planning.
Key perks & credits
$200 Airline Fee Credit
Up to $200/year in statement credits for incidental fees like checked bags and seat upgrades on one selected airline.
$600 Lodging Credit (formerly Hotel Credit)
Up to $300 semiannually (Jan–Jun and Jul–Dec) for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection via Amex Travel. As of Oct 22, 2026 it also covers prepaid Airbnb Luxe stays of 2+ nights booked through Amex Travel. From Jan 1, 2027, Fine Hotels + Resorts stays also need 2 nights to count.
5x on Airbnb + $250 Experiences Credit
Earn 5x Membership Rewards on prepaid Airbnb bookings made through Amex Travel (other Amex cards earn 2x). Booking an eligible Airbnb Luxe stay unlocks up to $250 in statement credits toward Airbnb Experiences for the rest of that calendar year. Link Delta and Airbnb to try earning SkyMiles too. How the Airbnb 5x and Delta double-dip work →
Global Lounge Access
1,550+ lounges worldwide — Centurion Lounges, 10 Delta Sky Club visits/year, Priority Pass Select, and more.
Global Entry / TSA PreCheck
Up to $120 for Global Entry every 4 years, or up to $85 for TSA PreCheck through an official enrollment provider.
$300 Equinox Credit
Up to $300/year in statement credits toward Equinox gym membership or the Equinox+ digital app (enrollment required).
$300 Digital Entertainment Credit
$25/month toward Disney+, Hulu, ESPN+, Peacock, Paramount+, YouTube Premium, YouTube TV, NYT, and WSJ.
$200 Uber Cash + $120 Uber One
$15/month in Uber Cash (+ $20 bonus in December) for rides and Eats, plus up to $120/year toward Uber One membership.
$400 Resy Credit
Up to $100/quarter in statement credits for eligible purchases at U.S. Resy-affiliated restaurants (enrollment required).
$300 lululemon Credit
Up to $75/quarter in statement credits for purchases at lululemon retail stores or lululemon.com in the U.S.
$200 Oura Ring Credit
Up to $200/year in statement credits for an Oura Ring purchase at ouraring.com (enrollment required).
$155 Walmart+ Credit
Monthly statement credit covers the $12.95/month Walmart+ membership — includes free delivery and Paramount+.
$209 CLEAR Plus Credit
Up to $209/year toward CLEAR Plus membership — skip airport security biometric lines entirely.
Analyze your Amex Platinum
Click any question below — it opens Claude with the prompt ready to go. Get a personalised answer in seconds, free.
Or type your own question:
Disclaimer: AI responses are for informational purposes only and do not constitute financial advice. Benefits and terms may change — always verify with American Express directly.
Amex Gold
The Gold card is a sleeper hit — $250 annual fee but up to $520 in dining and Uber credits alone. If you eat at restaurants regularly, this card practically pays for itself twice over.
Key perks & credits
$120 Dining Credit
$10/month at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.
$120 Uber Cash
$10/month in Uber Cash for Uber rides or Uber Eats orders (must add Gold card to Uber account).
4x Points on Dining
4 Membership Rewards points per dollar at restaurants worldwide including takeout and delivery.
4x Points at US Supermarkets
Up to $25,000 per year in purchases, then 1x. One of the best grocery earning rates available.
$100 Hotel Collection Credit
$100 experience credit at The Hotel Collection properties when booking 2+ night stays via Amex Travel.
Purchase Protection
Items purchased with your card are covered against accidental damage or theft for 90 days.
Analyze your Amex Gold
Click any question below — it opens Claude with the prompt ready to go. Get a personalised answer in seconds, free.
Or type your own question:
Disclaimer: AI responses are for informational purposes only and do not constitute financial advice. Benefits and terms may change — always verify with American Express directly.
Blue Cash Preferred
The unsung hero of the Amex lineup. At just $95/year, the Blue Cash Preferred offers the best cash back rate on groceries of any card on the market — 6% at US supermarkets.
Key perks & credits
6% Cash Back on Groceries
6% at US supermarkets on up to $6,000/year in purchases (then 1%). Best grocery rate on the market.
6% on Select Streaming
6% back on eligible US streaming subscriptions including Netflix, Disney+, Hulu, and more.
3% on Gas & Transit
3% cash back at US gas stations and on transit including taxis, rideshare, parking, buses, and trains.
$84 Disney Bundle Credit
$7/month statement credit when you spend $9.99+/month on the Disney Bundle (Disney+, Hulu, ESPN+).
$120 Home Chef Credit
$10/month statement credit on Home Chef meal kit deliveries — great for families.
Return Protection
If a merchant won’t take back an eligible item within 90 days, Amex may refund you up to $300/item.
Analyze your Blue Cash Preferred
Click any question below — it opens Claude with the prompt ready to go. Get a personalised answer in seconds, free.
Or type your own question:
Disclaimer: AI responses are for informational purposes only and do not constitute financial advice. Benefits and terms may change — always verify with American Express directly.
Apply via Sunny’s referral link
This one’s for the Platinum Card specifically — using it costs you nothing extra, and we both earn rewards if you’re approved.
Like on the other card pages, it’ll really be meant for friends and family. No pressure either way — you can always apply directly at americanexpress.com.
⚠ Always check American Express’s website for the most current offers and terms
Card benefits, annual fees, signup bonuses, and eligibility rules change frequently. All information on this page reflects publicly available data at the time of writing and may be out of date. Before applying for any card, always verify the current terms, conditions, and your personal eligibility directly at americanexpress.com. This page is for informational purposes only and does not constitute financial advice.