Every Amex Platinum Credit & Benefit in 2026 (Complete List)

The Amex Platinum carries nearly $3,000 in active annual statement credits against an $895 fee. The active list below totals $2,984 per year now that the Saks credit has ended. That is a real number. It is also not the number most people will actually use.

This is a complete reference for every credit on the card in 2026: what it is, how much it is worth, when it resets, and how to actually redeem it. If you want the full review with pros, cons, and whether the card is worth holding, see the 2026 Amex Platinum review.

TL;DR

• 11 active statement credits totaling $2,984 per year, plus the discontinued Saks line for history
• Credits reset on different schedules: monthly, quarterly, semiannual, and annual
• Realistically, most cardholders use $1,500 to $2,200 worth
• The credits that matter most: Hotel ($600), Resy ($400), Digital Entertainment ($300), Uber Cash ($200)
• Missing even one quarterly or semiannual deadline can cost you $75 to $300

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Quick Reference Table

Credit	Annual Value	Cadence	Reset Schedule
Hotel Credit	$600	Semiannual ($300)	Jan–Jun / Jul–Dec
Resy Dining Credit	$400	Quarterly ($100)	Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec
Digital Entertainment	$300	Monthly ($25)	1st of each month
Equinox Credit	$300	Annual	Calendar year (Jan–Dec)
Lululemon Credit	$300	Quarterly ($75)	Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec
CLEAR+ Credit	up to $209	Annual	Calendar year (Jan–Dec)
Uber Cash	$200	Monthly ($15, $20 in Dec)	1st of each month
Oura Ring Credit	$200	Annual	Calendar year (Jan–Dec)
Airline Fee Credit	$200	Annual	Calendar year (Jan–Dec)
Walmart+ Credit	~$155	Monthly	1st of each month
Uber One Credit	$120	Annual	Calendar year (Jan–Dec)
Saks Credit	$0	Discontinued	Ended June 30, 2026; no Jul–Dec 2026 window
Total	$2,984
Annual Fee	$895

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Monthly Credits

These reset on the 1st of every month. If you do not use them, they are gone.

Digital Entertainment Credit — $25/month ($300/year)

Covers charges from Disney+, Hulu, YouTube TV, YouTube Premium, Peacock, Paramount+, ESPN+, The New York Times, and The Wall Street Journal. The credit triggers automatically when a qualifying charge posts to your Platinum.

This is one of the easiest credits on the card. If you subscribe to any combination of these services, you do nothing — the credit just appears on your statement. Most households with a streaming habit will max this out without thinking about it.

Uber Cash — $15/month, $20 in December ($200/year)

Added to your Uber account automatically each month once you link your Platinum card. Works for Uber rides and Uber Eats. The December bump to $20 is a small holiday bonus.

The key detail: Uber Cash does not roll over. If you do not spend your $15 by the end of the month, it disappears. One Uber Eats order or a single ride is usually enough to cover it.

Walmart+ Credit — ~$155/year

Covers the monthly cost of a Walmart+ membership, which includes free delivery, fuel discounts, and a bundled Paramount+ or Peacock subscription. The credit applies automatically when Walmart charges your card.

Underrated benefit. Even if you only use Walmart+ for the included streaming subscription, you are getting a service that would otherwise cost $50 to $100 a year covered for free.

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Quarterly Credits

These reset every three months. Miss a quarter and that credit is gone for good.

Resy Dining Credit — $100/quarter ($400/year)

$100 per quarter at over 10,000 Resy-affiliated restaurants across the US. You do not need to book through the Resy app — just pay with your Platinum at a participating restaurant and the credit applies.

This is one of the strongest credits Amex has ever added to a consumer card. If you eat out even twice a month in any mid-to-large US city, you will likely hit $100 per quarter without trying. The quarterly structure means you cannot bank unused credit, so spacing your dining throughout the quarter matters.

Lululemon Credit — $75/quarter ($300/year)

$75 per quarter at Lululemon stores or lululemon.com. If you shop there already, this is straightforward. If you do not, you are either forcing purchases or letting it lapse.

There is no way to convert this to a gift card or use it at other retailers. It is Lululemon or nothing. For athleisure shoppers this is a genuine perk. For everyone else, it is probably the least-used credit on the Platinum.

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Semiannual Credits

These split the year into two halves: January through June and July through December. You get one shot per half.

Hotel Credit — $300 semiannual ($600/year)

Two $300 credits for prepaid hotel stays booked through Amex Travel. Qualifying properties include Fine Hotels + Resorts (FHR) and The Hotel Collection (THC, requires a two-night minimum).

This is the single largest credit on the card and the one that makes the biggest dent in the annual fee. Book a one-night FHR stay for $300 or more in the first half of the year and another in the second half, and you have used $600. FHR properties also include complimentary breakfast, room upgrades when available, and a property credit (usually $100), so the total value of a single FHR booking often exceeds $400.

If you take at least two trips a year and would stay at a nice hotel anyway, this credit alone justifies a significant portion of the $895 fee.

Saks Fifth Avenue Credit — discontinued July 1, 2026

This was previously a $50 Saks Fifth Avenue or saks.com credit once per half. The credit triggered automatically on qualifying purchases.

This benefit ended June 30, 2026. The final eligible period was Jan–Jun 2026, and there is no Jul–Dec 2026 Saks window.

The most common complaint about this credit was that $50 did not go far at Saks. True. But it was still easy enough to use on beauty products, candles, small accessories, and gift items. For 2026 planning, treat the Saks line as historical only.

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Annual Credits

These reset once per year, either on the calendar year or your cardmember anniversary.

CLEAR+ Credit — up to $209/year

Up to $209 in statement credits per calendar year after signing up and paying for a CLEAR+ membership (subject to auto-renewal) with your Platinum. CLEAR lets you skip the ID verification line at airports and some stadiums. The credit triggers automatically once CLEAR charges the card — whether you pay monthly or annually, the calendar-year cap is $209.

Whether this is useful depends entirely on your airports. CLEAR operates at dozens of US airports and is expanding. If your home airport has it, this is a set-it-and-forget-it benefit. If not, it is worth $0.

Equinox Credit — $300/year

Up to $300 per calendar year on an Equinox+ digital subscription or an Equinox club membership when charged to your Platinum. Enrollment is required.

This is a full-value credit only if you already pay for Equinox or Equinox+. If you would not otherwise join a premium gym, treat this as $0 in your personal math.

Airline Fee Credit — $200/year

Covers incidental fees (checked bags, seat upgrades, in-flight purchases, lounge day passes) with one designated airline per calendar year. You select your airline in January and it stays locked for 12 months.

This used to be easy to max out by buying airline gift cards that coded as incidental fees. Most airlines have closed that loophole. Today, the most reliable approach is paying for checked bags, seat upgrades, or in-flight purchases throughout the year. If you fly your designated airline regularly, $200 is achievable. If you rarely check bags or upgrade, it can be hard to fully use.

Oura Ring Credit — $200/year

Up to $200 in statement credits per calendar year when you buy an Oura Ring at ouraring.com with your Platinum. Enrollment required. Useful if you are buying or replacing an Oura Ring. Not useful otherwise.

This credit resets on the calendar year, so you get one shot per year, January through December.

Uber One Credit — $120/year

Up to $120 in statement credits per calendar year after purchasing an auto-renewing Uber One membership with the card. Uber One provides discounted rides, free Uber Eats delivery on qualifying orders, and priority pickup. This is separate from the monthly Uber Cash — it covers the membership fee itself.

If you use Uber regularly, Uber One plus the monthly Uber Cash means you are getting both free membership and $200 in ride/delivery credits per year.

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The Real Math: What Most People Actually Use

Here is what a realistic cardmember in a mid-to-large US city might actually redeem against the full $2,984 in active credits:

Credit	Max Value	Realistic Value	Notes
Hotel	$600	$600	Easy if you take 2+ trips/year
Resy Dining	$400	$400	Easy in any city with restaurants on Resy
Digital Entertainment	$300	$300	Autopilot for streaming subscribers
Equinox	$300	$0–300	Only if you already pay for Equinox
Uber Cash	$200	$200	One ride or delivery per month
Airline Fee	$200	$100–150	Depends on travel frequency
Uber One	$120	$120	If you use Uber at all
Walmart+	$155	$80–155	Depends on Walmart usage
Saks	$0	$0	Benefit ended June 30, 2026 — no Jul–Dec 2026 credit
Lululemon	$300	$0–300	Very personal
Oura Ring	$200	$0–200	One-time purchase
CLEAR	$209	$0–209	Airport-dependent
Total	$2,984	$1,500–$2,200

Against the $895 fee, that is $605 to $1,305 in net credit value before you earn a single point. The card works if you use the credits. It does not if you let them lapse.

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Tips for Tracking Every Credit

Twelve credits across four different reset schedules is a lot to manage manually. A few approaches that work:

1. Calendar reminders — Set recurring alerts for the last week of each month (monthly credits), the last week of each quarter (Resy, Lululemon), and late June / late December (semiannual credits).
2. Check your Amex benefits dashboard — The Amex app shows credit usage, but it is scattered across multiple screens and does not always update in real time.
3. Use CardStack — It consolidates all your credits into a single view, tracks what you have used, shows what is expiring soon, and sends reminders before deadlines. For a card with this many moving parts, having one place that shows exactly where you stand is the difference between using $1,500 in credits and using $2,200.

The credits are the reason the Platinum’s $895 fee can work. But only if you actually use them. The best credit on a premium card is the one you remember to redeem.