What credits does the Amex Platinum include?
The Amex Platinum ($895 annual fee) includes these statement credits as of June 2026:
- Hotel Credit (FHR/THC) (Semi-annual, up to $600/year)
- Resy Credit (Quarterly, up to $400/year)
- Digital Entertainment Credit (Monthly, up to $300/year)
- Equinox Credit (Annual, up to $300/year)
- lululemon Credit (Quarterly, up to $300/year)
- Uber Cash (Monthly, up to $180/year)
- Airline Fee Credit (Annual, up to $200/year)
- Oura Ring Credit (Annual, up to $200/year)
- Walmart+ Credit (Monthly, up to $155/year)
- Uber One Credit (Annual, up to $120/year)
- TSA PreCheck/Global Entry (Annual, up to $120/year)
- CLEAR+ Credit (Annual, up to $209/year)
- Saks Fifth Avenue Credit (Semi-annual, up to $0/year)
Which Platinum credits expire the soonest?
Monthly credits reset every 30 days: Uber cash ($15/month, $20 in December), digital entertainment ($25/month), Walmart+ (~$13/month). If you have not used this month's Uber cash by month end, it is gone. Quarterly credits (Resy $100, lululemon $75) give you one missed quarter per year. Check when credits reset for the full calendar logic.
How do I use the airline fee credit before it resets?
The $200 airline fee credit applies to incidental fees on one airline you select. It does not cover tickets. Bag fees, seat selection fees, and lounge day passes often qualify. Pick your airline in the Amex app, then use the card for eligible fees before the calendar year ends.
What is the fastest way to track all Platinum credits?
Memory and spreadsheets break down here: the Platinum's credits sit on independent monthly, quarterly, and annual calendars, so something is always about to reset. CardStack loads every Platinum credit with reset rules, eligible merchants, and redemption links. Mark credits used manually on the free tier, or connect Plaid with CardStack+ for automatic detection. Push notifications fire before credits expire.
When is the Platinum not worth keeping?
When credits used plus perks you care about do not cover the $895 fee. Net fee offset is what the card gave you minus what you paid. If you are consistently $200 or $400 short, you are subsidizing a card you do not use. See how to know if your annual fee is worth it.
Frequently asked questions
How often do Amex Platinum credits reset?
It varies by credit. Uber cash resets monthly. Resy and lululemon reset quarterly. Airline fee credit, Equinox, and Saks reset annually or semiannually. Each credit has its own calendar.
What happens if I do not use a Platinum credit in time?
You lose that period's value. Monthly credits do not roll over. Annual credits reset on fixed dates. The money you paid in your $895 annual fee does not come back.
Which Amex Platinum credit is hardest to use?
The $200 airline fee credit only applies to incidental fees on one selected airline, not tickets. The Equinox credit requires specific enrollment. Digital entertainment only covers listed streaming services. Read each credit's rules before the reset date.
Can CardStack remind me before Platinum credits expire?
Yes. CardStack lists every Platinum credit with reset dates and sends push notifications before expiry. With CardStack+ and Plaid, credits can auto-mark when you make qualifying purchases.
Is the Amex Platinum worth it if I miss credits?
Probably not. The card's value depends on credits you actually use. Track net fee offset: annual fee minus redeemed credits. If you are consistently under, downgrade or cancel.