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

The Amex Platinum carries over $3,000 in annual statement credits against an $895 fee. The full list below totals $3,084 per year. 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

• 12 distinct statement credits totaling $3,084 per year
• 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 Plus Credit	$209	Monthly	1st of each month
Uber Cash	$200	Monthly ($15, $20 in Dec)	1st of each month
Oura Ring Credit	$200	Annual one-time	Cardmember year
Airline Fee Credit	$200	Annual	Calendar year (Jan–Dec)
Walmart+ Credit	~$155	Monthly	1st of each month
Uber One Credit	$120	Annual	Cardmember year
Saks Credit	$100	Semiannual ($50)	Jan–Jun / Jul–Dec (ends July 1, 2026)
Total	$3,084
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.

CLEAR Plus Credit — ~$209/year

Covers the monthly CLEAR Plus membership fee. CLEAR lets you skip the ID verification line at airports and some stadiums. The credit triggers automatically when CLEAR charges your Platinum.

Whether this is useful depends entirely on your airports. CLEAR operates at roughly 50 US airports and expanding. If your home airport has it, this is a set-it-and-forget-it benefit. If not, it is worth $0.

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 — $50 semiannual ($100/year)

$50 at Saks Fifth Avenue or saks.com, once per half. The credit triggers automatically on qualifying purchases.

This benefit ends July 1, 2026. You can still use the Jan–Jun half through June 30, 2026; there is no second-half credit after that date. Amex has said it will introduce replacement retail offers starting July 1, but details are not final yet — use the Saks credit while it still exists.

The most common complaint about this credit is that $50 does not go far at Saks. True. But Saks sells beauty products, candles, small accessories, and gift items that can hit $50 without difficulty. If you still have an unused first-half credit, set a reminder for late June — do not wait for December.

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Annual Credits

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

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

A one-time annual credit toward the purchase of an Oura Ring or Oura Ring subscription. Useful if you are buying or replacing an Oura Ring. Not useful otherwise.

This credit resets on your cardmember anniversary, so you get one shot per card year.

Uber One Credit — $120/year

Covers the annual cost of an Uber One membership, which provides discounted rides, free Uber Eats delivery on orders over $15, 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 $3,084 in 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	$100	$0–50	Benefit ends July 1, 2026 — at most one $50 half left
Lululemon	$300	$0–300	Very personal
Oura Ring	$200	$0–200	One-time purchase
CLEAR	$209	$0–209	Airport-dependent
Total	$3,084	$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.