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 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.
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.
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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
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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.
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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.