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Your American Express card may feature generous benefits such as rewards and welcome offers, depending on which one you hold. But beyond these typical incentives that might come with your card, there are additional and often lesser-known perks that can save you money and that grant exclusive access to sought-after retailers and services.
Here are some potentially helpful American Express card benefits you may not know you have. Not all the cards offer these perks; some may provide only a few of the benefits listed below, but here's what you need to know.
1. Foodie benefits
Depending on which American Express card you have, you may have exclusive access to the restaurant reservation tool Resy through the issuer's app or dining credits to restaurant and grocery delivery services like Uber Eats, Grubhub, Seamless and Boxed.
- Resy: Through Resy, holders of premium AmEx cards, like the American Express Platinum Card®, have access to exclusive restaurant reservations and events. These are made available to eligible American Express customers before they are to other Resy users. With Resy, eligible cardholders can book new reservations and manage existing ones at thousands of restaurants available on the platform and on the American Express Global Dining Collection — available through Concierge. Holders of the American Express Platinum Card® in particular can also receive up to $100 in statement credits each quarter after using their card to make eligible purchases with Resy. You'll have to create a Resy account and add your eligible American Express card to begin using the service. Terms apply; see rates and fees.
- Food delivery: Additionally, select American Express cards, like the American Express® Gold Card, offer credits for popular food delivery services. In addition to the 4 points per $1 you'll earn with that card at restaurants including takeout and delivery purchases (up to $50,000 in spending), you can also get up to $10 in dining credits monthly (up to $120 per year) when you pay with your card at Grubhub, the Cheesecake Factory, Buffalo Wild Wings, Wonder and Five Guys locations. Enrollment is required. Terms apply; see rates and fees.
Annual fee
- $0 intro annual fee for the first year, then $95.
- $895
- $325
- $895
Learn more
2. American Express Pay It Plan It®
The issuer offers its version of popular "buy now, pay later" plans. With the Pay It Plan It® feature, account holders can pay off small purchases under $100 immediately with Pay It® or use Plan It® to pay off large purchases of $100 or more in smaller monthly installments — with a fixed monthly fee instead of interest.
Note that this feature is only available for American Express consumer cards and not business credit cards.
3. AmEx Pay Over Time
The American Express Platinum Card®, the American Express® Gold Card, and the American Express® Green Card all offer this Pay Over Time feature, which allows you to finance eligible purchases over an extended term, with interest. This makes it possible for cardholders to pay off the minimum amount due on their cards, and then pay the rest of their balance over time, with interest.
If you have any of the three cards mentioned above, you'll automatically be enrolled in the program. All purchases of $100 or more are automatically transferred into your Pay Over Time balance each month.
Before adding this feature, these cards functioned less like traditional credit cards and did not allow cardholders to carry a balance from month to month. Terms apply.
4. AmEx Send & Split
The AmEx Send & Split option, which is only available on personal American Express credit cards, offers holders a hassle-free way of sending and dividing bills. The AmEx "Send" feature allows you to send money to other Venmo and PayPal customers without the usual 3% fee. Meanwhile, the "Split it" feature will enable you to divide up bills with other Venmo and PayPal users directly through the American Express app.
Plus, the issuer's new "Add Card to PayPal" feature makes it easy to use your American Express card with the payment service. This new feature allows you to add your card to your PayPal account directly through the AmEx app, making it more convenient to use your card online. To add your card this way, tap "Add Card to PayPal" under the Account tab in the app.
Enrollment required. Terms apply.
5. Cell phone coverage
Following a growing trend among other issuers, premium American Express cards offer cell phone protection. Eligible cardholders who pay for their wireless bills with their cards will be reimbursed for up to $800 in cell phone repair and replacement costs (with a limit of two claims per year). Note that each claim is subject to a $50 deductible. Terms apply.
6. Retail benefits
In addition to cell phone coverage, the issuer offers additional retail benefits for eligible consumer and business credit card holders. The benefits include an extended warranty, which lengthens a merchant's warranty by up to one year, and purchase protection, which can protect your damaged or stolen items for up to 90 days. The issuer also offers return protection, which can provide refunds of up to $300 per item for purchases unable to be returned. Terms apply.
If you have an American Express travel credit card, you're able to earn significant travel rewards and incentives. Certain eligible American Express credit cards also offer the following travel-related benefits and credits:
- Lounge Access: Holders of the American Express Platinum Card®, the Delta SkyMiles® Reserve American Express Card and the cards’ business counterparts have access to to the American Express Global Lounge Collection, including more than 1,500 airport lounges across more than 130 countries. Cardholders can access Centurion Lounges, International American Express Lounges, and limited visits to Delta Sky Club (when flying Delta). Through the Priority Pass network, other lounges are also accessible. Enrollment required.
- $200 a year for airline incidental fees. The American Express Platinum Card®, The Business Platinum Card® from American Express and the Hilton Honors American Express Aspire Card offer a $200-a-year airline fee credit that reimburses cardholders for things like checked-bag fees or in-flight refreshments, but not airfare or upgrades. It applies to a single airline that you choose, and you can change airlines once a year. Enrollment required.
- Baggage insurance plan: This will cover lost, damaged, or stolen checked and carry-on baggage for fares paid with your eligible card. The amount covered will depend on the card you have.
- Car loss and damage insurance: When you use your card to pay for a car rental, this plan offers secondary coverage if your rental is stolen or damaged. Coverage will depend on the American Express card that you hold.
- Global Assist: You'll get 24/7 emergency assistance — including, in some cases, emergency medical transportation — when you're 100 miles or more from home.
- Trip delay, trip cancellation and interruption insurance: With the trip delay benefits, you'll be reimbursed (for expenses related to meals, lodging, toiletries, medication, and more) when your trip is delayed for more than six hours or 12 hours, depending on whether you have a premium American Express card or not. And if your trip is canceled or interrupted — due to illness, injury, or inclement weather, for example — you'll also be eligible for coverage under the trip cancellation and interruption insurance. You must have used your eligible American Express card to book your fare to qualify for these benefits.
- CLEAR+ credit: The American Express Platinum Card® and the American Express® Green Card offer up to to $209 in annual statement credits for CLEAR+, which uses biometrics to allow passengers to avoid security lines at airports and stadiums. You’ll have to pay for a CLEAR+ membership with your card to get the credit.
- Global Entry/TSA PreCheck credit: Eligible premium card holders will receive either a statement credit every four years Global Entry or TSA PreCheck when they use their card to apply for the services.
- Uber credit: The American Express Platinum Card® offers $15 each month in Uber Cash for U.S. Uber Eats orders or Uber rides in the U.S. (you’ll receive $35 in the month of December), which can potentially add up to $200 in Uber cash per year. You must add and use your card as a payment method to your Uber account to earn this Uber Cash benefit. Plus, when you use the card pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Enrollment required.
- Cruise Privilege Program: If you have a personal or business Platinum card, you can get up to $300 in shipboard credit per stateroom when you use your card to book cruises of at least five nights through American Express. You'll also receive additional perks such as exclusive in-cruise amenities and earn Membership Rewards points on cruise bookings through the American Express travel portal.
- Terms apply.
8. Hotel benefits
Eligible cardholders may have access to credit and exclusive hotel perks through the following American Express portals.
- The American Express Platinum Card® and The Business Platinum Card® from American Express have access to the Fine Hotels and Resorts portal. Regardless of status, cardholders can have access to more than 1,800 hotels worldwide in addition to receiving benefits such as room upgrades, early check-in, complimentary Wi-Fi and breakfast for two, when they book through American Express.
- The Hotel Collection is available to holders of the above American Express cards, in addition to the American Express® Gold Card and the American Express® Business Gold Card. You’ll get benefits at more than 1,300 hotels, including room upgrades, a $100 experience credit and more, when you use your eligible card to book stays of two nights or more.
- Holders of the American Express Platinum Card® can receive $600 a year for select hotel bookings, as a $300 semi-annual credit, for prepaid bookings through the American Express travel portal at the more than 3,100 hotels that are in The Hotel Collection (two-night minimum stay required) or Fine Hotels + Resorts properties.
- Terms apply.
9. Credits for popular spending
The American Express Platinum Card® offers statement credits for the following popular services and retailers. These are in addition to the hotel- and food-related credits detailed prior.
- Walmart+ membership: Eligible cardholders who use their card to purchase a Walmart+ membership will receive a statement credit each month to cover the cost of the membership — which is valued at $12.95 a month. Walmart+ offers members access to exclusive deals, discounts and free delivery.
- Digital entertainment: Eligible cardholders who enroll can get up to $25 in statement credits monthly (up to $300 per calendar year) when they use their cards to pay for certain digital entertainment services including Paramount+, YouTube Premium, YouTube TV, Peacock, Disney+, The Disney Bundle+, ESPN+, Hulu, the Wall Street Journal and The New York Times. Enrollment required.
- Dell: The Business Platinum Card® from American Express provides a $150 statement credit annually for purchases made directly with Dell. Plus, you can get an additional $1,000 statement credit after spending $5,000 or more on your card. Enrollment is required.
- Equinox gym memberships. Cardholders can get up to $300 a year for Equinox memberships and the on-demand fitness app Equinox+. Enrollment required.
- Lululemon. When you enroll, you get $75 per quarter in statement credits at Lululemon stores or online, up to $300 a year. Enrollment required. Terms apply.
- Oura Ring. When you enroll, you'll get a $200 credit per year toward your purchase of an Oura Ring, which is a wearable health tracker.
- Terms apply.
🤓 Nerdy Tip
The American Express Platinum Card® currently offers a $50 statement credit towards Saks Fifth Avenue every six months. However this credit is going away after June 30, 2026. 10. Access to AmEx Offers
By enrolling in AmEx offers through your online account or the American Express mobile app, you can access rewards in the form of travel offers, merchant discounts, statement credits, and more. You'll earn rewards to your account after you've added an offer from a merchant to your eligible American Express card and make a qualifying purchase using your card. Terms apply.
11. AmEx Experiences
Through this offer, American Express cardmembers have exclusive access to various entertainment experiences, including festivals, concerts, plays, sports and fashion events. Terms apply.
12. Concierge Service
Holders of eligible premium American Express cards will have access to the complimentary concierge service, which offers 24-hour access to assistants who can provide card-related help such as making dinner reservations, purchasing tickets, answering questions about travel and more. To get connected with an assistant, you can call the number on the back of your card and say or select "concierge."
To view rates and fees of the American Express Platinum Card®, see this page. To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of The Business Platinum Card® from American Express, see this page. To view rates and fees of the American Express® Business Gold Card, see this page.
To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.
All information about the American Express® Green Card has been collected independently by NerdWallet. The American Express® Green Card is no longer available through NerdWallet.
All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet.
Insurance Benefit: Cell Phone Protection
- 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.
Insurance Benefit: Trip Delay Insurance
- 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.
Insurance Benefit: Baggage Insurance Plan
- 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.
