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American Express Platinum Card Rental Car Benefits – American Express “precious metals” cards, whether Gold or Platinum, have a reputation for prestige. The Gold Card and Platinum Card both offer a variety of benefits to cardholders, and both have significantly higher annual fees than the average credit card fee.
Learn more about the differences between the Amex Gold card and the Amex Platinum card so you can decide if it’s right for you.
American Express Platinum Card Rental Car Benefits
American Express Gold and Platinum cards are actually “debit” cards rather than “credit” cards, meaning you have to pay the entire bill each month.
Hidden Benefits Of The American Express Platinum Card
The Platinum card is essentially a Gold card with more rewards and a higher fee. The American Express Gold card has an annual fee of $250, while the Platinum card has an annual fee of $695 starting in 2023.
The Gold card has an annual fee of $250, and there is no annual fee for adding additional cards to a Gold account. One of the biggest benefits is the membership rewards program, which allows consumers to earn points with purchases.
The Gold card is aimed at people who like to shop, eat out and do a lot of daily expenses. American Express Gold cardholders can earn four points for every dollar spent at U.S. restaurants and supermarkets (up to $25,000 in purchases), three points for every dollar spent booking flights with airlines or through the American Express travel website and one point for every dollar spent on any other purchase.
Starting in January 2023, first-time cardholders are eligible for 90,000 points after using the card to make $4,000 in purchases for the first six months of account membership.
Limited Time Benefits Added To American Express Platinum Cards
Unlike traditional credit cards, American Express cards do not have a regular APR or charge interest, as all balances must be paid in full each month. However, the Gold Card gives cardholders the flexibility to pay off purchases of $100 or more over time at a set interest rate.
Other benefits include up to $120 in dining credits each year, up to $10 per month in automatic statement credits when you use your card at Grubhub, Seamless, The Cheesecake Factory, Wine.com, Goldbelly, Milk Bar and participating Shake Shack locations. However, cardholders must enroll in the program to be eligible.
The Gold card also offers an Uber cash benefit of $120 or $10 per month. This card also offers an extended warranty program*, purchase protection*, return protection*, Amex preferred airline seating, and roadside assistance.
*Eligibility and benefit level vary by card. Terms, conditions and limitations apply. For further details, visit Americanexpress.com/benefitsguide. Underwritten by AMEX Assurance Company.
The 7 Best Travel Credit Cards For October 2023
The Amex Platinum Card offers members five points for every dollar spent on flights booked directly through airlines or through the American Express travel site, five points for prepaid hotels booked through amextravel.com, and one point for every dollar spent on other purchases.
The Platinum welcome bonus starting in January 2023 offers cardholders 150,000 points when they spend $6,000 or more in the first six months of account membership. However, if you want to add cards to your Platinum account, you’ll have to pay an additional annual fee of $175 for up to three cards and $175 per card after that.
The Platinum card is designed for people who travel often. It has more travel benefits than the Gold card. Reward points can be used for merchandise, gift cards, dining, shopping, entertainment, or for use on the Amex travel website. Points can also be transferred to other frequent flyer programs.
The Platinum Card offers $200 in Uber credits and a $200 annual incidental airline credit on the eligible airline of your choice, giving passengers a free checked bag and an in-flight meal on qualifying airlines.
The Platinum Card® From American Express Travel Credits And Benefits
Members also receive a $200 hotel credit with reservations at eligible The Hotel Collection and Fine Hotels + Resorts properties through the Amex travel website. Other benefits include (but are not limited to) a $240 digital entertainment credit, a $300 Equinox credit, and a $189 Clear credit. The Platinum card’s extensive add-ons can significantly offset the cost.
The Platinum card offers a number of extras such as discounts on private jet and limousine rentals and a dedicated concierge service to assist in managing travel details.
There are other costs to consider beyond the annual fees. Both cards are charge cards, meaning balances must be paid in full at the end of each month. The first late payment made will incur a fee of $29. Any additional late payments in the following six months will incur a charge of up to $40 per month. Cardholders may also face returned payment fees of up to $40.
There are no interest charges on the Platinum account because it must be paid in full each month. However, there’s more flexibility with the Gold card, which gives cardholders the ability to carry a balance on certain purchases over $100 with interest. American Express offers a calculator to calculate the interest charged.
Chase Sapphire Preferred Vs. Amex Platinum [2023]
Both Amex Gold and Platinum offer a variety of benefits, with the Gold card aimed more at everyday spending and the Platinum card designed more for travelers. The Platinum card offers more benefits, but the $695 annual fee is higher than the Gold card’s $250 fee.
Card marketing pushes status. To qualify for the American Express Platinum Card, you need a strong credit score and income. The annual membership has risen from $145 to $695 for 2021. Cardholders get a variety of travel benefits including access to airport lounges, as well as perks from Uber, airport security app CLEAR, hotels, car rental companies and concierge services.
The Gold card can provide a variety of benefits on everyday spending at a more modest cost than the Platinum card. It will cost you $250 per year. The Gold Card offers the ability to carry a balance on certain purchases over $100 with interest.
The right card for you will depend on your income, how much you charge, how much you travel and what you can afford. Consider whether you want to pay extra for additional benefits, in which case the Platinum card may be best for you.
Amex Platinum Card Vs. Amex Green Card [2023 Comparison]
With Black, Platinum, Gold and the familiar Green cards, American Express offers cards suitable for most incomes. The best card for you will depend on your personal and financial situation, including your income, preference for charging or paying in cash, how much you travel and what you can afford. Please note that Amex frequently changes the benefits of these cards, so confirm current offers before applying.
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Is American Express Platinum The Right Choice For Car Rentals?
American Express issues nearly five dozen different credit cards, including 10 different Platinum cards. None of them offer primary coverage for car rentals, although most offer secondary coverage. American Express has a page where you can check coverage for your specific card.
American Express Platinum cards offer secondary damage coverage up to $75,000. The policy also covers “reasonable and necessary expenses” related to damage or theft. These include loss of use, appraisal fees, and towing fees not covered by other roadside assistance programs.
Regardless of which American Express credit card you have, sign up for Premium Car Rental Protection coverage that can be added to your car rental (for an amount between $12.95 and $24.95, depending on where you rent). This coverage is typically cheaper than what you would pay over the counter. This is because you are charged once for the entire rental, not per day. The policy is also primary coverage. This makes it a good choice if you don’t own your own car and don’t have any
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