If you’re debating between the American Express® Gold Card and The Platinum Card® from American Express, you’re probably not opposed to paying an annual fee in exchange for higher earning rates and perks. How much more you’re willing to pay—and what you’ll get in return—is the question you’ll need to consider before choosing between these two cards.

American Express is a leading card issuer for luxury perks and benefits. While it’s easy to get distracted by such luxury benefits, it’s always crucial to select a card based on your actual spending habits and travel goals.

Here are the pros and cons of the Amex Gold vs. Platinum and who is most likely to benefit from holding one over the other. At the end of this article, you should have a better idea of which of these two stellar options is the best choice for you.

Amex Gold Overview

The Amex Gold card is a great option for versatile rewards and earning on everyday expenditures.

It has a wide range of bonus categories, making it easy to earn Membership Rewards points on both everyday purchases as well as travel-related purchases.

It also tends to have a generous welcome offer. For these reasons, its mid-range annual fee isn’t difficult to justify.

Amex Platinum Overview

The Amex Platinum card is a heavyweight when it comes to luxury travel benefits.

This card is tailored to the frequent traveler. You’ll enjoy a wide variety of benefits, such as complimentary airport lounge access, elite hotel status and expedited security screening at airports.

When you consider the Amex Platinum benefits and perks, its somewhat pricey annual fee begins to make a lot more sense.

American express platinum vs gold

Amex Gold vs. Platinum: Comparison

Here’s a quick-fire overview of the Amex Gold vs. the Amex Platinum:

Amex PlatinumAmex Gold
Annual Fee$695 (see rates & fees)$325 (see rates & fees)
Authorized User Fee$195 per additional card user (no annual fee for Companion Platinum Cards, but these cards don't include the same benefits)First five additional card users are free of charge; $35 annual fee per additional card thereafter
Welcome OfferTypically between 80,000 and 100,000 points, with a minimum spending requirement between $6,000 and $8,000Typically between 35,000 and 60,000 points, with a minimum spending requirement between $4,000 and $6,000
Bonus Categories• 5X points on flights booked directly with the airline or through American Express Travel®, on up to $500,000 in purchases per calendar year (earn 1X points thereafter)
• 5X points on prepaid hotels booked through amextravel.com
• 1X points on all other eligible purchases
• 4X points at restaurants worldwide, on up to $50,000 per calendar year (earn 1X points thereafter)
• 4X points on grocery shopping at U.S. supermarkets, on up to $25,000 per calendar year (earn 1X points thereafter)
• 3X points on flights booked through amextravel.com or directly with the airline
• Earn 1X points on all other eligible purchases
Statement Credit Perks• $100 annual statement credit for Saks Fifth Avenue or saks.com*
• $240 annual digital entertainment credit*
• $300 annual Equinox credit*
• $12.95 in statement credits per month for an annual Walmart+ membership*
• $200 annual hotel credit for prepaid bookings at the Fine Hotels + Resorts or The Hotel Collection (minimum stay of two nights required) through Amex Travel*
• $189 annual statement credit for CLEAR® Plus membership fees*
• $200 statement credit for airline incidental fees*
• $200 annual Uber cash credits*
• $100 statement credit every four years for Global Entry or $85 every 4.5 years for TSA PreCheck®* **
• $120 annual Uber Cash credits*
• $120 annual statement credit for dining at select locations*
• $100 experience credit when you book a minimum stay of two nights with The Hotel Collection through Amex Travel (experience credit varies by property)
Additional Perks• Access to The American Express Global Lounge Collection (1,400+ lounges)*
• Gold Elite status with Marriott Bonvoy and Hilton*
• No foreign transaction fees
• No foreign transaction fees

* To receive this benefit you must have downloaded the latest version of the Uber App and your eligible American Express Platinum or Gold Card must be a method of payment on your Uber account. The Amex Benefit may only be used in the United States.

**Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.

 

Winner: Amex Platinum

Overall, the Amex Platinum comes out on top. While the Amex Gold has excellent earning rates on a variety of bonus spending categories, as well as a reasonable annual fee, the Amex Platinum offers unparalleled value.

The Amex Platinum has a wide range of statement credits that easily offset the annual fee of the card. Benefits such as access to The American Express Global Lounge Collection push up the value of this card significantly.

For the frequent traveler, it’s hard for any other card to compete with the Amex Platinum. For the frequent business traveler, The Business Platinum Card® from American Express (rates & fees) would likewise be an excellent match.

Annual Fees

The difference between annual fees on the American Express Platinum vs. Gold is significant.

The Amex Gold card charges an annual fee of $325. It also lets you add up to five authorized users free of charge, with an annual fee of $35 per additional card thereafter.

In contrast, the Amex Platinum card charges a not-so-small annual fee of $695. For authorized users, Additional Platinum Card annual fee is $195 per user. There is no annual fee for Companion Platinum Cards.

However, it’s important to not take annual fees at face value. Instead, you need to determine the degree to which you could offset annual fees through card perks such as statement credits.

This is where you can take the Amex Platinum’s hefty annual fee with a pinch of salt: the card offers statement credits totalling a value of well over $1,000, in addition to airport lounge access and elite status benefits worth even more. Therefore, if you were to use these credits to their max, you’d offset the annual fee by more than double.

Winner: Amex Gold

The Amex Gold comes out as the clear winner when comparing annual fees at face value. However, as already mentioned, there’s more to annual fees than what meets the eye.

American express gold vs platinum

Welcome Offer

Generally, the higher the annual fee, the more lucrative the welcome offer. This is the case with the American Express Gold vs. Platinum.

The Amex Gold card has a welcome offer is typically around 60,000 points, with a minimum spending requirement around $6,000. Occasional promotional offers can go as high as 90,000 points.

In contrast, the Amex Platinum card has a welcome offer usually in the range of 80,000 to 100,000 points, with a minimum spending requirement between $6,000 and $8,000. The Amex Platinum sometimes sees promotional welcome offers of up to 150,000 points.

If the choice is between one card or the other, you could potentially earn double the amount of points with the Amex Platinum card, depending on the current welcome offer.

In both cases, you should use the CardMatch tool as well as check Amex’s website for targeted offers. Amex operates a “one welcome offer per card per lifetime” policy, meaning it’s essential to get the best value possible from your Amex card’s welcome offer.

Winner: Amex Platinum

Overall, the Amex Platinum card comes out on top with its lucrative welcome offer.

Earning Points

When it comes to earning points on bonus category spending, the pricier annual fee doesn’t necessarily mean better earning opportunities. In fact, the Amex Gold card is a dark horse in this respect.

The Amex Gold offers the following bonus spending categories:

  • 4X points at restaurants worldwide, on up to $50,000 per calendar year (earn 1X points thereafter)
  • 4X points on grocery shopping at U.S. supermarkets, on up to $25,000 per calendar year (earn 1X points thereafter)
  • 3X points on flights booked through amextravel.com or directly with the airline
  • 1X points on all other eligible purchases

In comparison, the Amex Platinum offers the following bonus spending categories:

  • 5X points on flights booked directly with the airline or through American Express Travel®, on up to $500,000 in purchases per calendar year (earn 1X points thereafter)
  • 5X points on prepaid hotels booked through amextravel.com
  • 1X points on all other eligible purchases

The Amex Platinum offers a higher multiplier compared to the Amex Gold, earning you up to 5X points per dollar spent on some of its bonus categories. When it comes to booking flights directly with the airline or booking prepaid hotels through amextravel.com, the Amex Platinum should be your go-to card of choice.

However, the Amex Platinum’s bonus spending categories are limited in terms of scope compared to those of the Amex Gold card. That makes it harder to rack up Membership Rewards points on everyday spending with the Amex Platinum card.

In contrast, the Amex Gold will earn you 4X points per dollar spent on grocery shopping at U.S. supermarkets (on up to $25,000 per calendar year; earn 1X points thereafter). It’ll also earn you 4X points at restaurants worldwide (on up to $50,000 per calendar year, 1X thereafter), as well as on takeout and delivery purchases in the U.S., and 3X points on flights booked through amextravel.com or directly with the airline.

Considering that the average American household spends $9,343 per year on food both away from and at home, that would translate to 37,372 points per year by charging these expenses on an Amex Gold card. That makes earning points on everyday spending a breeze.

On top of that, you’ll still earn bonus points on eligible flight bookings, making the card ideal for striking a balance between everyday and travel expenditures.

Just keep in mind that Amex is strict with its definition of restaurants and supermarkets. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not considered supermarkets. Similarly, restaurants found within other establishments are excluded. This includes restaurants found within hotels, casinos, bars, nightclubs, cafeterias, supermarkets, grocery stores, caterers, theater clubs, breweries, bakeries, meeting venues and convenience stores.

Winner: Amex Gold

The Amex Gold takes the lead when it comes to earning points on a wider range of purchases.

amex gold vs platinum

Redeeming Points

When it comes to redeeming your Amex Membership Rewards, neither card offers you any particular advantage.

You’ll be able to use the American Express Membership Rewards program for a wide range of redemption opportunities.

You can use your Membership Rewards for redemptions through the American Express Travel portal on purchases such as hotels and airfares. However, this will net you a redemption value between 0.7 and 1 cents per point, making it less than ideal.

Instead, you’re better off transferring your points to one of Amex’s 20+ hotel and airline transfer partners. These include loyalty schemes such as the ANA Mileage Club, Air France/KLM Flying Blue and British Airways Executive Club, among many others, giving you greater flexibility than you would have with the partner-redemption options of other card issuers.

Winner: Tie

Both the Amex Gold and Platinum cards will put you in a great position to redeem Membership Rewards points.

Amex gold vs platinum benefits

Travel Benefits

When it comes to travel benefits, the Amex Platinum card takes center stage. Yet, that’s not to say that the Amex Gold card can’t also benefit the traveler.

The Amex Platinum card offers the following travel-related perks:

$200 Credit for Hotel Stays

You’ll receive a $200 annual statement credit on prepaid bookings with the Fine Hotels + Resorts® Program or The Hotel Collection (minimum stay of two nights required) when made through American Express Travel.

Benefits of the Fine Hotels + Resorts Program

You are eligible for complimentary benefits such as a room upgrade upon check-in, late checkout, early check-in and daily breakfast for two at participating hotels in the Fine Hotels + Resorts program (subject to availability). You can receive an average total value of $600 worth of these benefits.

$100 Experience Credit with The Hotel Collection

You can get a $100 experience credit when you book a minimum stay of two nights with The Hotel Collection (experience credit can vary by property).

Access The American Express Global Lounge Collection

You’ll enjoy complimentary access to The American Express Global Lounge Collection (enrollment required), with 1,400+ lounges worldwide including:

  • The Centurion Network
  • Delta Sky Club®
  • Lufthansa Lounge
  • Plaza Premium Lounge
  • Priority Pass SelectTM

The Amex Platinum card gives you unparalleled lounge access compared to other premium travel rewards credit cards.

$189 Credit for CLEAR® Plus membership

You’ll get a $189 annual statement credit for CLEAR® Plus membership, expediting security screening at select airports nationwide (enrollment required).

$200 Credit for Airline Incidental Fees

You’ll receive a $200 annual statement credit for airline incidental fees with one selected qualifying airline. Qualifying airlines include:

  • Alaska Airlines
  • American Airlines
  • Delta Air Lines
  • Hawaiian Airlines
  • JetBlue
  • Spirit Airlines
  • Southwest Airlines
  • United Airlines

You need to ensure that you select your qualifying airline in the benefits section of your Amex account. If incidental fees are charged before selection, they won’t be reimbursed.

Keep in mind that airline tickets, upgrades, mileage points purchases, mileage point transfer fees, gift cards, duty-free purchases and award tickets aren’t considered incidental fees. Likewise, you need to charge your incidental fees separately to your airline ticket for it to be coded correctly to your card.

Seat selection and baggage fees are some of the best costs to cover using this credit.

$100 Credit for Global Entry or $85 for TSA PreCheck

You’ll receive either a $100 statement credit every four years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® application fee (when applying through a TSA official enrollment provider), when either is charged to your eligible American Express card.

When combined with the CLEAR Plus statement credit and complimentary access to The American Express Global Lounge Collection, your entire airport experience will be efficient and luxurious.

$200 Credit for Uber

You’ll receive up to $200 in credits per year for Uber Rides and Eats (issued in $15 monthly Uber Cash credits, with a bonus of $20 on top of the $15 in December).

You need to add your Amex Platinum card to your Uber account for the benefit to apply.

Marriott Bonvoy® Gold Elite Status

You’ll be eligible for complimentary Marriott Bonvoy® Gold Elite Status (enrollment required).

This status can gain you benefits such as:

  • Late check-out
  • Room upgrades upon arrival
  • Earning 25% more points on stays
  • Free in-room WiFi
  • Mobile check-in via the app and mobile room key option

These benefits can make your stays at Marriott Bonvoy properties far more enjoyable.

Hilton Honors™ Gold Status

In addition to Marriott Bonvoy Gold Elite Status, you’ll receive complimentary Hilton Honors™ Gold Status (enrollment required).

This includes benefits such as:

  • Earning 80% more bonus points on stays
  • Space-available room upgrades
  • Daily food and beverage credit or complimentary continental breakfast (subject to property)
  • No resort fees on award stays
  • Fifth night free on award stays
  • Digital check-in, check-out and room key
  • Earning milestone point bonuses

The benefits offered by Hilton are even better than those offered by Marriott Bonvoy.

 

amex gold vs platinum travel benefits

No Foreign Transaction Fees

The Amex Platinum card is completely free of foreign transaction fees. This enables you to spend abroad and continue earning Membership Rewards points.

Premium Status with Hertz, Avis and National

You’ll be eligible for Avis Preferred®, Hertz Gold Plus Rewards® and National Car Rental® Emerald Club status as an Amex Platinum cardholder (enrollment required).

Baggage Insurance Plan

If you charge your common carrier fare to your Amex Platinum, your baggage will be covered in the event of losses or damages.

Checked baggage will be covered up to $2,000, with an aggregate limit of $3,000 for both checked and carry-on baggage.¹ For New York state residents, baggage is insured up to $2,000 per covered person, with an aggregate limit of $10,000 per covered trip for all covered persons combined.

Car Rental Loss and Damage Insurance

With the Amex Platinum, you’ll have access to Car Rental Loss and Damage insurance.² This is secondary coverage and excludes liability coverage.

You need to use your card to pay the full cost of the rental car and ensure you decline the rental company’s collision damage waiver (CDW).

This additional insurance can cover you for up to $75,000 in eligible expenses.

In addition to theft and damages to the car, you’ll also be covered for:

  • Medical expenses for you and your passengers when they’re a direct result of a car accident, up to $5,000 per person
  • Accidental death or dismemberment benefit, up to $200,000 for you and up to $20,000 for each passenger
  • Loss of or damage to personal property, up to $1,000 per person and up to $2,000 for all occupants

Just ensure you make yourself aware of important exclusions. For example, rental cars in Australia, Italy and New Zealand aren’t eligible for coverage. Likewise, not all vehicles are covered.

Trip Delay Insurance

You’ll receive trip delay insurance when you charge a covered trip to your Amex Platinum card.³

Coverage reimburses you for reasonable additional expenses (such as meals, lodging, toiletries and medication) that result from an eligible trip delayed for more than six hours.

Eligible reasons for delays include inclement weather, lost or stolen passports, a terrorist hijacking and equipment failure on the part of the common carrier.

You can receive up to $500 per trip and are eligible for two claims every 12 months.

Trip Cancellation/Interruption insurance

When you charge common carrier expenses for a trip to your Amex Platinum card, you’ll be covered with trip cancellation/interruption insurance.⁴

With the Amex Platinum, you’ll be covered for up to $10,000 per trip and $20,000 per card within a 12-month period.

This can reimburse you for trip cancellations or interruptions due to accidental injury, sickness and inclement weather, among other eligible reasons.

The Amex Platinum clearly has a lot to offer when it comes to travel-related perks.

Now, let’s take a look at the travel benefits you’ll receive with the Amex Gold card:

No Foreign Transaction Fees

You’ll be able to spend freely abroad using your Amex Gold card, enabling you to continue to earn points while traveling.

$100 Credit for The Hotel Collection

Just like the Amex Platinum, you’ll receive a $100 experience credit when you book a minimum stay of two nights with The Hotel Collection through American Express Travel (experience credit varies by property).

$120 Credit for Uber

If you link your Amex Gold card to your Uber account, you’ll receive $120 per year in Uber Cash credits, issued in $10 monthly credits. You can use these credits for Uber Eats as well as rides.

Baggage Insurance Plan

When you charge the entire fare on a common carrier to your Amex Gold card, you’ll receive baggage insurance.⁵

This insurance provides coverage of up to $500 for checked baggage and up to $1,250 for carry-on baggage. For New York state residents, there’s an aggregate limit of $10,000 per covered trip for all covered persons.

Car Rental Loss and Damage Insurance

As with the Amex Platinum, you’ll receive secondary car rental loss and damage insurance coverage when you charge the rental car to your Amex Gold card and decline the rental company’s collision damage waiver (CDW).⁶

This insurance can cover you for up to $50,000 in eligible expenses.

Trip Delay Reimbursement

The Amex Gold card also offers trip delay insurance of up to $300 for essential expenses, such as meals, toiletries and lodging.

Inclement weather, lost or stolen passports, a terrorist hijacking and equipment failure on the part of the common carrier are all covered reasons for trip delay insurance to kick in.

You’ll need to charge the costs to your card to be eligible for reimbursement.

Winner: Amex Platinum

The Amex Platinum is the clear winner when it comes to travel-related benefits.

best credit cards for dining

Additional Perks & Considerations

Aside from travel benefits and welcome offers, what else does the Amex Platinum vs. the Amex Gold have to offer you? Let’s look at Amex Platinum vs. Gold benefits.

Additional perks and features of the Amex Gold include:

  • $120 dining credit, issued in $10 monthly statements, for purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • 90-day purchase protection of up to $10,000 per occurrence and $50,000 per calendar year⁷
  • Extended warranty of one year on eligible products with manufacturer warranties of five years or less⁸

In comparison, additional perks and features of the Amex Platinum include:

  • $240 annual digital entertainment credit, given in $20 monthly credits, for direct purchases made with your card through Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (enrollment required)
  • Receive $12.95 in statement credits each month toward a Walmart+ membership when you pay using your Amex Platinum
  • $100 annual statement credit, given in biannual $50 credits, toward purchases at Saks Fifth Avenue or saks.com (enrollment required)
  • $300 annual statement credit toward an Equinox+ digital subscription or Equinox club membership fees (enrollment required)
  • $300 statement credit toward a SoulCycle at-home bike, through your Equinox+ subscription
  • Enjoy exclusive reservations and special dining experiences with Global Dining Access by Resy
  • Attend special invitation-only sporting, fashion, fine-dining, art and performance events as an Amex Platinum cardholder
  • 90-day purchase protection of up to $10,000 per occurrence and $50,000 per calendar year⁷
  • 90-day return protection of up to $300 per item and $1,000 per calendar year for damaged items the seller won’t take back (for purchases made in the U.S. or its territories only)⁹
  • Extended warranty of one year on eligible products with manufacturer warranties of five years or less⁸
  • Receive two-day free shipping on eligible purchases with ShopRunner (enrollment and minimum purchase required)
  • Cell phone protection of up to $800 with a maximum of two claims per 12 months. Your phone bill needs to be paid with your Amex Platinum for this benefit to apply (a $50 deductible will apply to each approved claim)¹⁰

Overall, the Amex Platinum card offers a wider range of features, especially statement credits. It also has a more robust set of protections and insurance. With the Amex Platinum card, you’ll have access to invitation-only events—something the Amex Gold card can’t match.

Winner: Amex Platinum

Once again, the Amex Platinum takes the lead when considering additional perks and benefits for cardholders.

food-purchase

Which Is the Right Card for You?

Just because the Amex Platinum comes out on top on paper doesn’t mean that it’s the right card for you.

Remember that the best card for you is the one best suited to your spending habits and travel goals. By allowing these factors to determine your card choice, you’ll be best positioned to offset the annual fee through point earning and perk usage.

Let’s see which card suits whom the best.

Dining Enthusiasts

If you prioritize dining over traveling, the Amex Gold card would be best suited to you.

You’ll earn 4X points at restaurants worldwide on up to $50,000 per calendar year (1X points thereafter), and 4X points on grocery shopping at U.S. supermarkets on up to $25,000 per calendar year (1X points thereafter).

These are earning rates that the Amex Platinum doesn’t offer.

Travel Aficionados

As already highlighted, the Amex Platinum is a godsend for the frequent traveler. Moreover, as a frequent traveler, offsetting the annual fee will be a breeze, as you’ll be able to take advantage of many of the perks and statement credits.

From statement credits toward airline incidental fees, CLEAR Plus, TSA PreCheck or Global Entry application fees, to access to more than 1,400 airport lounges worldwide, the Amex Platinum is unbeatable. And when you factor in privileges with Avis, National and Hertz, in addition to complimentary status benefits with Marriott Bonvoy and Hilton, the Amex Platinum will provide the luxury you’ve been dreaming of.

Reward Strategists

Both cards will enable you to earn Membership Rewards points. So for rewards strategists looking to diversify their points, Membership Rewards are a highly valuable rewards currency to earn and redeem for partner transfers.

The Amex Platinum or Amex Gold will both be great cards for doing this.

Embark on Your Luxurious Journey with Amex

For the frequent traveler, the Amex Platinum card makes the perfect companion. Travel is a great way to offset this card’s annual fee.

However, if frequent travel isn’t on the menu, the Amex Gold card could represent the perfect alternative for more than half the annual fee. Charging grocery and restaurant purchases to this card can rack you up thousands of Amex points, which you can use for the times you do travel.

For more card showdowns, follow 10xTravel for the latest tips.

¹ Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

² Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

³ Up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

¹⁰ Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.