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In September 2019, American Express introduced some major changes to the travel and purchase protection offered on some premium cards. The announcement comes just two days after Citi made significant reductions in purchases and travel protections provided by their cards.

Amex Platinum Rental Truck Coverage

Amex Platinum Rental Truck Coverage

The changes are both positive and negative as we see better travel protections, while we also see reductions in protection and purchase protections and some other protections.

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This coverage is exciting because it is an area where Amex has historically been slow. At the same time, these changes are bad news for those who have assessed the benefits of the purchase and protection previously provided by the card.

Of course, you will want to check out your benefit guide for all the details because there is more to know (here’s an example, see the sample benefit guide for Amex Platinum for example).

The relevant card information and details on this page for the Hilton Honors American Express Aspire Card are collected independently by OMAAT and are not reviewed or provided by the card issuer.

As of January 1, 2020, Amex provides compensation for travel delays. Most conditions are the same as cancellation of travel and disruption insurance. The main differences are:

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In addition, American Express is offering similar coverage with a lower payment limit ($ 300) and a longer delay requirement (12 hours) on the following cards:

The relevant card information and details on this page for Hilton Honors American Express Aspire Card and American Express Green Card are collected independently by OMAAT and are not reviewed or provided by the card issuer.

As of January 1, 2020, Amex has made significant changes to the protection of their purchases. In particular, Amex cards, which currently offer purchase protection, are seeing the eligibility period reduced from 120 days to 90 days.

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Whether these changes are good or bad depends entirely on your purchasing model. Personally, I have never taken advantage of street assistance, accident insurance (thank you), extra insurance or purchase protection.

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Suffice to say, I’m thrilled to see Amex add the right travel protection for delays and cancellations, especially given that The Platinum Card® from American Express offers 5x points on airfare purchased by Directly from the airline or through Amex Travel up to $ 500,000 on these calendar year purchases.

This coverage competes with what is offered by the Chase Sapphire Reserve® (review) card, which was previously the gold standard for travel insurance (the card only offers 3x points on airfare rather than 5x points).

So for my purchase model, I really enjoyed it, even though others may not see these changes as positive. I actually use my Amex Platinum for all airfare purchased directly with the airline as of today. When it comes to high-end credit cards, American Express Platinum is the top competitor in its class of competition. While other credit card companies such as Chase Bank and Citi have upgraded their products to compete with American Express, platinum cards are standardized and still have the highest prices today. While there are many annual fees, the benefits can easily outweigh the costs, and in fact it is a heavy metal card. (It feels so good to hold in your hand).

This is a card that comes with many benefits that we will get later. For now, let’s discuss some basics. The Amex Platinum card comes with a hefty $ 550 annual fee, but can be easily limited by benefits.

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Currently, the welcome bonus offer is 60,000 membership reward points when you spend $ 5,000 in the first 3 months of account opening. Membership rewards are 1.7 cents per point. This makes the welcome offer worth around $ 1,020. Some people have seen 100k welcome offers using CardMatch.

You get 5x points on flights booked directly through the airline, not through OTAs like Expedia or Kayak. And 5x points on hotels booked through Amex Travel. You earn 1 point per dollar on all other purchases.

Amex Platinum has a ZERO foreign transaction fee, so you can use it in other countries wherever American Express is accepted.

Amex Platinum Rental Truck Coverage

If you are thinking of registering for The Amex Platinum, check your credit score. When signing up for a new card, it is important to note that card issuers are looking for more than a high credit score. Amex is definitely looking for the one with the score that is considered the best. Over 750. This is a “charge card” and not a credit card by word of mouth. So there is no cost limit related to Amex Platinum. American Express expects you to pay your balance in full and will accept a charge based on what they feel you can afford. So if you want to make a big purchase, it is good to use their cost calculator or call and make them aware of a big purchase.

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The Welcome Bonus on Amex Platinum Card is not available for current cardholders or previous cardholders. If you have a previous card, you are still eligible for approval, you will not receive a bonus. American Express allows you to get extra credit card credit for the rest of your life.

There are currently no card numbers you can have from American Express. If applying for multiple cards, be safe and remove them in two every 90 days.

AMEX allows up to three authorized users to access Amex Platinum for a total of $ 175. Authorized users receive the same benefits as the original cardholder, with the exception of What authorized users may not be able to get is some extra credit, including airline credit, Uber credit, and Saks credit. .

Centurion Lounges is like the desired club at the airport. Go get your drink and eat your meal. One of the many benefits of AMEX Platinum.

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This is where I find the most valuable of cards. I am not a big hotel man because I like to spend most of my time exploring outside my hotel room. But getting to the destination for cheap or next to everything and luxury is where I find a lot of value . Using membership rewards with Amex is how you do it. Here is a list of travel partners that Amex uses and their transfer ratio:

You can use these apps to find some special places in business and first class. Iberia, Aer Lingus and British airways are all in Avios and have the same base. Keep in mind that although British Airways passes through high carriers charge for your ticket. So avoiding flights to London is smart. ANA and Emirates have just eliminated the extra fuel surcharge that all carriers charge, which makes them very expensive while the app is in use.

ANA is a great app to use because you can get great deals for business and first class seats . Warning: ANA will only make return trips. However, the number of MR points required is similar to many applications, which are one-way values ​​for point usage.

Amex Platinum Rental Truck Coverage

Aeroplan can be used as one of your best options for booking Star Alliance flights. While Virgin Atlantic and The LifeMiles can offer you special discounts for mileage transfers and then use them to book undisclosed business and first-class flights.

How To Maximize Benefits With The Amex Platinum Card

It should be noted that once you transfer MR points to an application, they cannot be transferred back to Amex MR points. If you pay for your trip using bank points through a travel portal like Chase Reserve, you have 24 hours to cancel and get your points back.

Amex has partnered with three hotel chains. Two that you can get elite just by having The Platinum card.

If you wish to have the best room everywhere you are staying or want to book something like St. Regis in the Maldives. Amex Membership Rewards can be used for luxury real estate instead of cash for every night of your stay. These bookings work the same way you would like to go through and the airline rewards program. You need to find space for your date.

Membership reward points are very valuable. There are no questions about it. Questions You May Have

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