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American Express Platinum Reserve Credit Card

The Platinum Reserve credit card is the second most premium credit card that American Express offers, only next to the Platinum card, which is a Charge Card (Charge cards have a variable credit limit). Looking at the benefits that it offers, from Taj Epicure membership to the Hotel Collection program, one might consider it a travel credit card. However, it offers many other benefits, including exclusive dining benefits, complimentary golf, and movie vouchers.

Apart from all these benefits, AmEx cards are known for their brand value. Many prefer AmEx cards over Visa and MasterCard just for that reason. Here, we’ve covered in detail all the features and benefits this card offers. Read on to find out whether it fits your needs.

American Express Platinum Reserve Credit Card

Joining Fee

Renewal fee, best suited for, reward type, welcome benefits, movie & dining.

BookMyShow Vouchers Worth Rs. 1,000 on Achieving Monthly Spends and Complimentary Membership of EazyDiner Prime

Rewards Rate

1 Membership Reward Point for every Rs. 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.

Reward Redemption

Membership Rewards Points redeemable for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotels loyalty programs and for making credit card bill payments under the Cash + Points scheme.

Complimentary Priority Pass, Accor Traveller, Taj Epicure Membership

Domestic Lounge Access

12 complimentary domestic lounge visits (limited to 3 per quarter)

International Lounge Access

Two Free Visits Via Priority Pass

2 complimentary rounds of golf per month at 32 premium golf destinations in India with a 100% waiver on the green fee.

Insurance Benefits

Air accident cover worth Rs. 1 crore, purchase protection against loss, damage, or burglary of any item purchased using the card

Spend-Based Waiver

Annual Fee Waiver on Spends of Rs. 10 Lakh in a Year

Rewards Redemption Fee

Foreign currency markup.

3.5% of the transaction amount

Interest Rates

3.5% per month

Fuel Surcharge

Waived at HPCL fuel stations for transactions up to Rs. 5,000, 1% surcharge on BPCL and IOCL stations and 2.5% surcharge at all other fuel stations.

Cash Advance Charges

3.5% of the advanced amount, subject to a minimum amount of Rs. 250.

11,000 bonus Membership Rewards Points as a welcome gift.
1 Membership Rewards Point for every Rs. 50 spent with the card (except fuel, insurance, utility, EMI conversions).
Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits.
Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
Complimentary membership of Taj Epicure.
2 complimentary rounds of golf every month at 32 premium golf courses across India.
Dining offers with complimentary membership of EazyDiner Prime.
24×7 American Express concierge service.
Air accident insurance cover worth Rs. 1 crore.
For frequent flyers, this card offers 12 domestic lounge visits and a Priority Pass membership.
You would get 11,000 Membership Reward Points on the realization of card joining fees.
Although the joining fee is Rs. 5,000, the annual fee chargeable from the second year is Rs. 10,000.

American Express Platinum Reserve Credit Card Rewards

You earn 1 Membership Rewards Point for every Rs. 50 spent with this card with the exception of spends on fuel, insurance, utilities, cash transactions and EMI conversion at Point of Sale. 3X Reward Points while shopping through the AmEx Rewards Multiplier .

Reward Redemption:

The Membership Rewards Points earned on the American Express Platinum Reserve Credit card can be redeemed for purchasing e-vouchers from American Express’s online shopping portal, INSTA purchases at offline stores, and also to make credit card bill payments under the card issuer’s Cash + Points scheme.
Membership Reward Points can also be transferred to airlines and hotel loyalty programs like Asia Miles, British Airways Executive Club, Club Vistara, Emirates, Skywards, Etihad Guest, Finnair Plus, InterMiles, Qatar Privilege Club, Singapore KrisFlyer, Virgin Points, Marriott Bonovoy and Hilton Honors.
The monetary value of the Membership Reward Points varies for different modes of redemption.

Welcome Benefit

You get 11,000 bonus Membership Rewards Points as a welcome benefit on the expenditure of Rs. 30,000 within 90 days of the card issuance, subject to the realization of the joining fee.

Milestone Benefits

You can choose between Flipkart, BookMyShow, or other brand vouchers worth Rs. 1,000 on the expenditure of Rs. 50,000 in a calendar month.
Taj stays voucher worth Rs. 10,000 on the expenditure of a minimum of Rs. 5 lakhs in a membership year (subject to realization of the annual membership fee).

Travel Benefits

12 complimentary domestic airport lounge visits (limited to 3 per quarter) to partner airport lounges across India.
Complimentary Priority Pass Membership for international lounge access at 1200+ VIP lounges across 120+ countries around the world. Two visits to the international lounge are complimentary via Priority Pass, while additional visits are chargeable.
Complimentary Taj Epicure Membership that gives you special privileges, including a 10% discount on stays, late check-outs, and unlimited validity of Taj InnerCircle Points.
Complimentary Accor Plus Traveller Membership which offers up to 50% off on dining at over 1,400 participating Accor hotel restaurants, early access to Accor hotel sales, access to exclusive member events, and more.
USD 100 hotel credit and a complimentary room upgrade at luxurious hotel chains, including Hyatt & Hilton Hotels, under the Hotel Collection program.

Movie Benefits

You can choose between a movie or shopping voucher worth Rs. 1,000 on a minimum monthly expenditure of Rs. 50,000. The following shopping brands are included for redemption Flipkart, Shoppers Stop, Myntra, Big Basket, PVR, and MakeMyTrip.

Dining Experiences

Complimentary Taj Epicure Program with exclusive benefits on dine-outs at bars, restaurants, and spas across Taj, SeleQtions, and Vivanta Hotels, including 50% discount on first three dining transactions, 2 room upgrade vouchers, and happy hours from 6 PM to 8 PM at participating bars.
Complimentary membership of EazyDiner Prime , which entitles you to benefits like a minimum of 25% off on Prime restaurants, and complimentary drinks with every booking.

Golf Privileges

Two complimentary rounds of golf every month at 30+ of the top golf destinations in India with a 100% waiver on the green fee. This benefit is unlocked on making spends of Rs. 50,000 and above in the prior two months.
Primary and add-on card members can also get golf lessons at a discounted price.

Concierge Service

You get a global 24×7 Platinum concierge service with this credit card. You’ll get assistance regarding-

Delivery of flowers and gifts
Booking movie tickets,
Arranging a round of golf,
Booking a spa session with participating partners,
Dining reservations
You can avail of the American Express concierge service by dialing 1800-180-1030 or 1800-419-1030.
Personal air accident cover worth Rs. 1 crore (applicable only in case of loss of life).
Purchase protection in case an item (purchased via the credit card) is stolen due to burglary or damages or breaks due to fire, earthquake, flood, storm, cyclone, etc., within 60 days of purchase. In such a case, the amount paid may be refunded.
Both these insurance benefits are provided in partnership with ICICI Lombard General Insurance Company Limited.
No fuel surcharge is applicable at HPCL fuel stations for transactions of up to Rs. 5,000 (1% surcharge applicable thereafter).
1% fuel surcharge applicable at BPCL and IOCL filling stations (subject to a minimum surcharge of Rs. 10).
2.5% fuel surcharge at all other filling stations (subject to a minimum surcharge of Rs. 10).

Zero Liability Protection

The cardholder is not liable for any fraudulent transaction made with the card if the loss of the card is reported within three days. Otherwise, the liability of the cardholder is limited to a maximum of Rs. 1,000.

American Express Platinum Reserve Credit Card Eligibility

Eligibility for this credit card as per the table below-

American Express Customer Care

American Express has a dedicated helpline for their Platinum Reserve credit card customers. You may dial 1800 180 1030 (toll-free), 1800 419 1030 (toll-free), or 0124-280 1030 to report the loss of your card or in case you need assistance. These numbers are operational 24×7.

American Express Platinum Reserve Credit Card Review

Look at the travel-related benefits that this card offers. You might find a resemblance between the Platinum Travel card and this one, with the former offering similar benefits at half the annual membership fee. The reward rate for both cards is also similar. So, if travel benefits are all you need from your credit card, you might consider the Platinum Travel card instead.

If you’re looking for a premium credit card packed with all kinds of benefits, including some exclusive travel privileges , this card is worth looking at. If we leave behind the extra travel benefits that this card offers, it is in direct competition with HDFC’s Infinia and ICICI’s Emerald credit cards. If you’re one of those people for whom the AmEx logo increases the worth of their wallet, you can pick this one without a second thought. It’s not a bad deal, at least as far as premium cards are concerned specifically with the additional dining benefits and complimentary memberships. Let us know in the comments what you think of American Express’s premium offering and what benefits you seek in a high-end credit card.

Dont purchase. It’s a complete waste of money. There are many better cards than this.

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6 Things You Should Know Before Getting the Platinum Card from American Express

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The Platinum Card® from American Express is one of the top premium travel cards available. It comes with travel credits, hotel elite status, access to an impressive lounge collection, travel protections and other luxury perks. Terms apply.

Here are some things you should understand before applying for The Platinum Card® from American Express .

What to know before getting The Platinum Card® from American Express

1. amex has a "once per lifetime" welcome offer rule.

Current and former holders of The Platinum Card® from American Express are ineligible for the welcome offer. This is commonly referred to as AmEx's "once per lifetime" rule .

Not sure if you’ve had some version of this card before? AmEx will check your welcome offer eligibility when you apply for a card — even before checking your credit. If you aren’t eligible for the welcome offer, AmEx will inform you of this through a small pop-up window. After notification, you have the option to continue with the application or to cancel it.

2. The The Platinum Card® from American Express welcome offer spending requirements

The Platinum Card® from American Express currently is offering a good welcome bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply. A $6,000 spending requirement won’t be easy for everyone to meet, so consider when you'll have a lot of expenses before you open the new card.

Also, mull over what expenses you can charge to the potential card in the next few months. If you come up short of the spending requirement, consider postponing your application to a time when you have more considerable expenses on the horizon — perhaps around the holidays, when you’re finally getting around to that bathroom remodel or before booking your next trip.

» Learn more: AmEx Membership Rewards: How to earn and use them

3. The Platinum Card® from American Express annual fee of $695 is higher than average

The Platinum Card® from American Express is an excellent choice for people looking for a premium travel card . But it may not be the right card for you. Before committing to a $695 annual fee, look at the card's benefits and note which perks you value the most. Then compare your list with other cards — which may be more affordable — to see if they might be a better fit. Terms apply.

For example, the Chase Sapphire Reserve® has a lower $550 annual fee and an easy-to-use $300 annual travel credit. Plus, Chase Sapphire Reserve® offers a Priority Pass Select membership and TSA PreCheck, NEXUS or Global Entry credit. However, if you're also going to pay for a Clear membership, it may be worth paying more for The Platinum Card® from American Express , which will reimburse you $199 each year for Clear, though not that you now have the option to get both PreCheck and Clear for less by bundling the two . Terms apply.

The Capital One Venture X Rewards Credit Card , meanwhile, has an even lower annual fee at $395 and also offers TSA PreCheck or Global Entry credit. This card also offers complementary lounge access to the Capital One Lounges, more than 100 Plaza Premium lounges (including select Virgin Atlantic Clubhouses) and more than 1,300 Priority Pass lounges around the globe.

» Learn more: Is Clear worth the cost?

If you only travel a few times a year, the American Express® Gold Card could be a better fit. This card charges a much lower $325 annual fee, yet it offers an annual up to $120 in Uber credits for U.S. rides and food orders ($10 each month) and an annual up to $120 dining credit. Enrollment required.

You must add the American Express® Gold Card to your Uber app to receive the Uber Cash benefit. Plus, you'll earn 4 points per dollar at restaurants and on groceries, and 3 points per dollar on flights. Enrollment required. Terms apply.

This quiz can tell you if The Platinum Card® from American Express is worth the annual fee :

4. Your credit score needs to be strong

Even if this card seems like it would compliment your travels well, you may not be an ideal fit for this card. American Express generally requires a good to excellent credit score to qualify for The Platinum Card® from American Express . Terms apply.

You’ll want to have at least a 690 credit score before applying for the card. So, you may need to work on building your credit score before applying for the card.

And even still, excellent credit is not always a guarantee of approval. Many factors go into a bank's decision to approve you.

5. You could potentially earn $1,400 a year in statement credits — if you use them

The Platinum Card® from American Express offers over $1,400 in statement credits each year. You'll want to maximize these credits to justify paying the $695 annual fee. Terms apply.

Many of the card’s statement credits are based on monthly amounts:

Digital entertainment credit: up to $20 per month.

Premium Uber credit: up to $15 per month for U.S. rides or Uber Eats orders, with an additional $20 bonus in December.

Walmart+ monthly membership credit: $12.95 per month plus taxes.

Terms apply.

Other credits are only valid per calendar year:

Clear credit: up to $199 per year.

Airline fee credit: up to $200 per year. (Enrollment required.)

Hotel credit: up to $200 per year.

SoulCycle At-Home Bike Credit: up to $300 per year.

Equinox credit: up to $300 per calendar year.

Cardholders also get a Shop With Saks credit, which is applied semi-annually. You’ll get up to $50 in statement credits for purchases between January and June and up to $50 in statement credits for July through December. Enrollment required. Terms apply.

If you open your card account near the end of the year, make sure that you leave yourself enough time to maximize the annual credits and the Shop With Saks credit before the close of the year.

But while $1,400 in credits sounds good, understand whether they're realistic to use based on your spending. If you don't take an Uber that month, it's a lose it credit. Meanwhile, are you really going to buy (and use) a SoulCycle bike at home? And would you shop at Saks, when you'd be fine with the same type of stuff that's a fraction of the price sold from, say, Target instead?

6. You can add different types of authorized users

When you apply for this card, you’ll have the option to add authorized users. You get two choices for adding authorized user cards: An additional Platinum card or an additional Gold card.

AmEx charges $195 per card to add up to three additional Platinum cards. That may sound steep — especially on top of the card's $695 annual fee. However, this can be an excellent deal, depending on how the authorized user plans to use their benefits. Terms apply.

Additional Platinum cardmembers get complimentary access to the American Express Global Lounge Collection — including AmEx’s own excellent Centurion Lounges . Plus, additional Platinum card users get Marriott Bonvoy Gold Elite status (enrollment required), Hilton Honors Gold status (enrollment required) and access to the Fine Hotels & Resorts program. Terms apply.

Alternatively, you can add a companion Platinum user for free. Companion card users don’t get the same lounge access and elite status benefits as authorized Platinum cardholders. However, they can get their own TSA PreCheck or Global Entry credit and can help you earn Membership Rewards. Terms apply.

» Learn more: How to add AmEx authorized users

Should I get The Platinum Card® from American Express ?

The Platinum Card® from American Express is one of the most well-known premium travel cards around. With more than $1,400 in statement credits each year, lounge benefits, hotel elite status and travel protections , this card offers the complete package for luxury travelers. Terms apply.

Before committing to the $695 annual fee, there are some things you should know. Consider if the card is the right fit for you. Make sure you’re eligible credit score-wise and able to earn the welcome offer. Check the calendar to ensure you can maximize the annual credits or time your application accordingly. Finally, consider if any friends or family members would benefit from being added as an authorized user.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards . After all, both cards offer valuable transferable rewards , lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection .

Like many of the top rewards cards , the Chase Sapphire Reserve and Amex Platinum Card also provide travel insurance when you use your card to book travel. In particular, these two premium travel rewards cards offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let's compare the travel insurance provided by these two cards.

Overview of the travel insurance provided by these cards

Chase Sapphire Reserve Amex Platinum Trip delay insurance Up to $500 per ticket when you're delayed by six-plus hours or overnight. Up to $500 per covered trip when you're delayed by six-plus hours, with a maximum of two claims per eligible card within a 12-month period.* Baggage delay insurance Up to $100 per day for up to five days when your baggage is delayed by six-plus hours. None. Trip cancellation/interruption insurance Up to $10,000 per person, up to $20,000 per trip Up to $10,000 per trip and up to $20,000 per card per 12-month period.* Auto rental collision damage waiver Primary insurance up to $75,000 for theft and collision damage. Secondary insurance up to $75,000 for theft, damage, loss of use and other fees.^ Emergency medical and dental benefit Up to $2,500 for emergency medical expenses, subject to a $50 deductible.

Up to $75 per day for up to five days for a hotel room after a hospital stay.

None. Emergency evacuation insurance Up to $100,000 when you pay for at least part of your common carrier travel with the card. Evacuation must be preapproved by the benefit administrator in order to be covered. Can be provided at no cost to you if coordinated through and approved by the Premium Global Assist Hotline.# Lost luggage reimbursement Up to $3,000 per person, with a $500 cap on jewelry and watches and a $500 cap on cameras and other electronic equipment. Up to $3,000 per person (up to $2,000 for checked luggage) when traveling on a common carrier, with a $1,000-per-person cap on high-value items. For New York state residents, there is a maximum of $2,000 per bag for each person with a $10,000 aggregate maximum for all covered bags and covered persons on the trip. The entire fare for your trip (one-way or round-trip) must be paid for with your eligible card for this benefit to take effect.† Roadside assistance Up to $50 per service event, up to four times per year. None. Travel accident insurance Up to $1 million loss of life common carrier insurance per person.

Up to $100,000 loss of life travel accident insurance per person.

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company. ^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. # Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers. † Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the table above, the Amex Platinum doesn't provide baggage delay insurance , emergency medical and dental benefits , roadside assistance or travel accident insurance . For brevity, I won't discuss the types of insurance the Amex Platinum doesn't provide any further in this guide.

Instead, I'll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:

Chase Sapphire Reserve benefits guide
Amex Platinum benefits guide

And to learn more about both cards, check out our Chase Sapphire Reserve credit card review and Amex Platinum card review .

Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Trip delay insurance

Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance.

As you may gather from the above table, the primary differences in trip delay coverage are:

The Amex Platinum requires round-trip travel, which you must buy with your card (in whole or combination with other eligible methods).
The Amex Platinum doesn't cover overnight delays that are less than six hours.
The Amex Platinum caps your claims to two per 12-month period.
The Amex Platinum covers traveling companions as long as you pay for their round-trip common carrier fares with your card.
The Chase Sapphire Reserve explicitly covers delays due to strikes, while the Amex Platinum explicitly covers delays due to lost or stolen passports or travel documents.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance may provide reimbursement for nonrefundable, prepaid trip expenses when you must cancel or alter a trip due to a covered situation. In some cases, you may be covered for additional expenses. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip cancellation and interruption insurance:

As you can see in the above table and the related benefits guides, the primary differences in trip cancellation and trip interruption coverage are:

The Amex Platinum requires round-trip travel , paid with your card (in whole or in combination with other eligible methods). Only travel expenses put on the card used for round-trip common carrier travel will be covered.
The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted.
The Chase Sapphire Reserve may reimburse redeposit fees imposed by a rewards program if your trip is canceled or interrupted, as well as change fees and car positioning fees if your trip is interrupted.
The Chase Sapphire Reserve covers more types of losses, including if your accommodation at your destination is made uninhabitable or your host at your destination dies or is hospitalized.
The Amex Platinum excludes losses related to mental or emotional disorders unless hospitalized. The Amex Platinum also excludes losses that occur when you're intoxicated. The Chase Sapphire Reserve excludes any loss for any trip booked while on a waiting list for specified medical treatment.

Check out American Express' trip cancellation and interruption insurance coronavirus frequently asked questions if you're wondering whether the Amex Platinum's insurance will cover coronavirus -related cancellations or interruptions.

Related: Be careful: Avoiding outbreaks isn't covered by most travel insurance

Auto rental collision damage waiver

The collision damage waiver offered by both cards can cover your rental car if you're in an accident or if it's stolen or damaged. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's rental car insurance.

^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

As you can see in the above table and the related guide to benefits, the primary differences in car rental collision damage protection are:

The Chase Sapphire Reserve covers more types of vehicles.
The Chase Sapphire Reserve provides primary coverage.
The Chase Sapphire Reserve doesn't have country exclusions.
The Amex Platinum offers coverage to spouses when payment is made with an eligible card.
While the Amex Platinum coverage specifically mentions peer-to-peer rentals, it's unlikely your Sapphire Reserve would cover Turo rentals .

If you'd prefer to get primary coverage for rental cars when using American Express cards , you can enroll in American Express' Premium Car Rental protection .

Related: 11 common rental car mistakes — and how to avoid them

Emergency evacuation and transportation insurance

The emergency evacuation and transportation insurance provided by these cards can arrange and pay for necessary emergency medical transport and evacuation under eligible circumstances. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's emergency evacuation and transportation insurance.

# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

As you can see in the above table and the related guide to benefits, the primary differences in the emergency medical evaluation benefit are:

You're covered by the Amex Platinum even if you use another card to purchase your common carrier fare, whereas you must at least partially pay with the Chase Sapphire Reserve or associated rewards to be covered.
The Chase Sapphire Reserve has stricter requirements for trip length.
Both cards offer additional benefits that can bring a family member to your side or return now-unaccompanied minors home.

Related: A Medjet medical transport membership is different than travel insurance. Here's why you need both

Lost luggage reimbursement

The lost luggage benefit offered by both cards may reimburse you if your baggage is lost, damaged or stolen during a trip. Here's a comparison of the lost luggage reimbursement provided by the Chase Sapphire Reserve and Amex Platinum Card .

† Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the above table and the related guide to benefits, the primary differences in lost luggage reimbursement are:

The Amex Platinum explicitly notes that losses due to confiscation by TSA aren't excluded.
The Chase Sapphire Reserve covers a broader selection of family members when you pay for their ticket using your card.
The cards exclude different types of items and types of loss.

Related: Everything you need to know about Amex's baggage insurance plan

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

The Platinum Card from American Express earns 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) for an approximate 10% return based on TPG's valuations . The Chase Sapphire Reserve earns 10 Chase Ultimate Rewards points per dollar on hotels and rental cars purchased through the Chase Travel portal , 5 points per dollar on flights booked through this portal, 10 points per dollar on Lyft rides through March 2025 and 3 points per dollar on all other travel (bonus points earning comes into effect after exhausting the $300 annual travel credit ).

The Sapphire Reserve has an annual fee of $550 while the Amex Platinum Card has a $695 annual fee (see rates and fees ).

Related: Amex Membership Rewards vs. Chase Ultimate Rewards: Which is the best?

Despite the earning gap (which can sway one way or the other, depending on how you book your flights), you may want to use the Chase Sapphire Reserve when booking some common carrier travel. I recommend checking out the guide to both cards' benefits and considering which card is best for your travel expenses. To help, here are some reasons to consider each card.

Reasons to use the Chase Sapphire Reserve

Offers a baggage delay benefit , an emergency medical and dental benefit, and roadside assistance up to $50 up to four times a year.
Only a portion of your travel expenses must be charged to your card to unlock most benefits (whereas the Amex Platinum generally only provides benefits when you charge the entire common carrier fare to your card).
No requirement for round-trip travel.
Provides trip delay benefits if you're delayed overnight for less than six hours.
Provides primary car rental coverage.
Offers travel accident insurance (although the Amex Platinum provides some travel accident insurance on car rentals).
Includes strikes as an eligible reason for trip delay insurance.
May reimburse redeposit fees imposed by a rewards program under trip cancellation/interruption insurance .

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

Reasons to use the Amex Platinum

Provides an emergency medical evacuation benefit to cardmembers regardless of whether you charged any trip expenses to the card.
Covers traveling companions for trip delay insurance and trip cancellation/interruption insurance when you purchase their round-trip fare with your card.
May reimburse additional transportation expenses to rejoin the common carrier covered trip or return to the place of origin; also may cover the purchase of tickets for a new departure, under trip interruption insurance.
Includes lost or stolen passports or travel documents as an eligible reason for trip delay insurance.
Has a higher cap on high-value items for lost, damaged or stolen baggage.
Some readers have found the claim process to be more straightforward and simple.

OFFICIAL APPLICATION LINK: The Platinum Card from American Express

Bottom line

Some travelers who have both cards put their flights on the Amex Platinum to earn 5 points per dollar and put other travel expenses on the Chase Sapphire Reserve to earn 3 points per dollar and activate their trip cancellation and interruption protections.

You might want to keep the Amex Platinum primarily for Centurion Lounge access , hotel elite status and access to Amex Fine Hotels & Resorts , as well as nearly $1,500 in annual credits available to cardmembers.

However, you might want to avoid booking flights with the Amex Platinum because of the round-trip requirement and the lack of baggage delay protection . Instead, you'd prefer to use the Chase Sapphire Reserve for common carrier fares and other travel expenses .

Additional reporting by Ryan Smith.

For rates and fees of the Amex Platinum card, click here .

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Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01 Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card * each year. Each year, your first $300 in travel purchases will not earn rewards points. *

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. *

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. *

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. *

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. *

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. *

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ® or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. *

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. * For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. * Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. *

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. *

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. Offer ends 12/31/2024 . *

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. * This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. * That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02 Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. * From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

From ordering your favorite gourmet takeout to restocking your groceries with a free DashPass membership on both DoorDash and Caviar. You’ll pay a $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027 * . Plus DashPass members get access to up to $25 in monthly savings with a $5 monthly credit automatically credited to your DoorDash account * and up to $20 per month to use on non-restaurant DoorDash orders, via two $10 promos. *

03 Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. *

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. *

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. *

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & vet services by September 30, 2024. *

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® and Amazon.com. *

04 Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select. *

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05 Protection

Travel with peace of mind *

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection *

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. *

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. *

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. *

06 Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07 Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. *

Shop Peloton

08 Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service *

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app * to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. *

Go paperless

Get your statement online. Safely access up to 6 years of statements online. It's secure, convenient and reduces clutter.

Convenient ways to pay

Load your card into a digital wallet for a quick and secure way to pay with your mobile device and receive all the benefits and rewards of using your Sapphire Reserve card.

Earn points automatically

Grow your points balance by using your card as the primary payment method for:

Online checkout Add your card to your favorite shopping apps and online merchants to conveniently build up your points balance.
Monthly bills Use your card to make auto payments for monthly bills (e.g., cell phone and utility bills). *

Redeem for travel

Use points toward your next getaway—they’re worth 50% more when you redeem them for travel through Chase Travel.

Pay Yourself Back ®

Your points have more value when you redeem them for statement credits after making eligible purchases on gas, wholesale clubs, and pet supplies & vet services by September 30, 2024.

Chase Dining SM

Order takeout at popular eateries around town or make reservations at restaurants, wineries and bars across the country.

There's so much for you

More Sapphire Offers

There’s so much more to make yours—top benefits, offers and experiences for Sapphire Reserve cardmembers.

Reserved by Sapphire SM

Your Sapphire Reserve card opens new doors to more flavors, sights and sounds. Explore the extraordinary lineup of experiences—including culinary, sports, music and entertainment.

Refer-A-Friend

Earn up to 75,000 bonus points per year by referring friends to either Chase Sapphire ® card.

Already a Sapphire cardmember?

Not a Sapphire cardmember yet?

We’re glad you’re here. Learn more about getting a Sapphire card.

Es posible que esta comunicación contenga información acerca de usted o su cuenta. Si tiene alguna pregunta, por favor, llame al número que aparece en el reverso de su tarjeta.

View the details of the Sapphire Reserve benefits offered on this page.

The best credit cards for digital nomads and long-term travelers

T he right travel credit card is important for any trip as it can earn points or miles and provide valuable travel protections . But what if you travel for months at a time as a digital nomad?

My husband and I have been living on the road as digital nomads for more than six years. We work remotely online while traveling with no permanent home base. So, I'm writing this piece from a prolonged, personal experience.

Although every traveler values credit card benefits differently, this guide considers some of the cards that I believe are the best fit if you're living the extended travel or digital nomad life.

The best cards for digital nomads and long-term travelers

First, the quick hit list of the best cards for digital nomads and long-term travelers. I'll get into the details below.

Chase Sapphire Reserve® : The best overall card for travel
The Platinum Card® from American Express : The best card for premium travel benefits
Capital One Venture X Rewards Credit Card : The best fixed-rate travel rewards card
Citi Strata Premier℠ Card (see rates and fees ): The best sub-$100-annual-fee card for travel and extended warranty protection
American Express® Green Card : The best card for modern travelers

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Comparison of the best cards for digital nomads and long-term travelers

*After the first $300 is spent on travel purchases annually

Now, let's dive deeper into what each of these cards has to offer. All of the welcome bonus valuations below are based on TPG's August 2024 valuations .

Chase Sapphire Reserve

The Chase Sapphire Reserve is one of TPG's favorite premium cards, thanks to its benefits and earning rates.

Welcome bonus : Earn 60,000 bonus points after spending $4,000 in the first three months from account opening.

Welcome bonus value: $1,230

10 points per dollar on hotels and car rentals booked through Chase Travel
10 points per dollar on Chase Dining purchases through Ultimate Rewards on prepaid restaurant reservations
10 points per dollar on Lyft rides (through March 2025)
5 points per dollar on flights booked through Chase Travel
3 points per dollar on all other dining and travel purchases
1 point per dollar on all other purchases

(Note that the elevated earn rates for travel purchases come into effect after the first $300 in travel purchases made on the card in a calendar year.)

Standout benefits :

Annual travel credit of up to $300
Priority Pass Select lounge access
Points redemption directly through the Ultimate Rewards travel portal at a rate of 1.5 cents apiece or points transfers to 11 airline and three hotel partners
Global Entry/TSA PreCheck application fee credit every four years
Special car rental privileges from National Car Rental , Avis and Silvercar
Access to The Edit℠ hotel and resort collection
Complimentary Lyft Pink All Access membership for two years (when activated by Dec. 31)
At least 12 months of complimentary DashPass (when activated by December 31, 2027)
No foreign transaction fees
Travel protections, including a primary auto rental collision damage waiver , baggage delay insurance , emergency evacuation and transportation insurance , emergency medical/dental coverage, lost luggage reimbursement , roadside assistance, trip delay reimbursement and trip cancellation/interruption insurance
Shopping protections, including extended warranty protection , purchase protection and return protection

Annual fee : $550

The Chase Sapphire Reserve is an excellent card for long-term travelers because it earns 3 points per dollar on many travel purchases (after the first $300 spent on travel in a calendar year) and dining purchases.

It's travel protections are another reason why it's a great choice for digital nomads. These protections include everything from reimbursements for expenses related to travel delays and delayed baggage to emergency medical and dental benefits.

Although the annual fee is $550, the up-to-$300 annual travel credit, strong earnings on travel and dining purchases and travel protections can provide significant value when you're on the road all the time.

Plus, Chase Sapphire Reserve cardholders can transfer Chase Ultimate Rewards points to hotel and airline partners or redeem them for 1.5 cents apiece through Chase Travel.

To learn more, read our full review of the Chase Sapphire Reserve .

Apply here: Chase Sapphire Reserve

The Platinum Card from American Express

If you can maximize the statement credits and benefits that the Amex Platinum offers, it's a fantastic card for the long-term traveler.

Welcome bonus : Earn 80,000 bonus points after spending $8,000 on purchases within the first six months of card membership.

However, be sure to check the CardMatch Tool to see if you're targeted for a higher welcome offer — although this offer is subject to change at any time. Not everyone will be targeted for the same offer.

Welcome bonus value: $1,600

5 points per dollar on flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year, then 1 per dollar) and on prepaid hotels booked with American Express Travel
1 point per dollar on other purchases
Annual Equinox membership statement credit of up to $300 each calendar year*
Annual airline fee statement credit of up to $200 every calendar year*
Annual statement credit for prepaid hotel bookings through Amex Travel of up to $200 each calendar year*
Annual digital entertainment statement credit of up to $240 every calendar year (up to $20 each month)*
Annual Uber Cash credit of up to $200 each calendar year (up to $15 each month, up to $35 in December; card must be added to the Uber app to receive benefit; Uber Cash is only valid in the U.S.)*
Annual Clear Plus membership statement credit of up to $199 every calendar year*
Annual Saks Fifth Avenue credits of up to $100 each calendar year (up to $50 semi-annually)*
Application fee credit every four years for Global Entry or every 4½ years for TSA PreCheck ($100 for Global Entry, up to $85 for TSA PreCheck)
Lounge access through the Amex Global Lounge Collection , including Priority Pass Select lounge access and access to Centurion Lounges *
Hotel elite status: Marriott Bonvoy Gold Elite and Hilton Honors Gold Elite *
Access to the Amex Amex Fine Hotels + Resorts program
Transfer points to Amex's 21 airline and hotel partners
Travel protections, including trip delay and trip cancellation/interruption insurance**
Shopping protections, including extended warranty protection*** and purchase protection***
No foreign transaction fees (see rates and fees )

*Enrollment required for select benefits. Terms apply to all benefits.

**Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

***Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

Annual fee : $695

The Amex Platinum comes with numerous annual statement credits and the most comprehensive lounge benefits of any credit card on the market.

It's worth noting that you likely won't be able to maximize every credit. And admittedly, those of us who spend a lot of time outside the U.S. may have trouble using the Uber perk, since it's a monthly credit that's only good in the United States.

However, lounge access — especially to Centurion Lounges — and hotel elite status at Marriott and Hilton can be especially valuable to those living on the road.

The primary reason I believe the Amex Platinum is worth it for long-term travelers and digital nomads: the travel protections. However, note that enrollment is required for select benefits, and terms apply.

To learn more, read our full review of the Amex Platinum .

Apply here: The Platinum Card from American Express

Capital One Venture X Rewards Credit Card

The Venture X has one of the lowest annual fees of any premium travel card currently on the market (see rates and fees ).

Welcome bonus : Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

Welcome bonus value : $1,388

10 miles per dollar on hotels & rental cars booked through Capital One Travel
5 miles per dollar on flights and vacation rentals booked through Capital One Travel
2 miles per dollar on all other purchases
$300 annual credit for bookings through Capital One Travel
10,000 miles anniversary bonus
Unlimited Capital One lounge access and unlimited access to Priority Pass lounges
Hertz President's Circle status**
Global Entry/TSA PreCheck application fee credit
Auto rental collision damage waiver*
Extended warranty protection*

*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

**Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g., at Hertz.com) will not automatically detect a cardholder as being eligible for the program, and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

Annual fee : $395 (see rates and fees )

The Capital One Venture X is great for bookings made through Capital One Travel and flat-rate, hassle-free rewards on all other purchases. The card also offers the ability to transfer your miles to 15-plus airline and hotel partners .

The card's $300 annual Capital One travel credit and 10,000-anniversary miles make for great benefits on a yearly basis. The Venture X stands out with the ability to add a number of authorized users at no cost who also receive access to Capital One and Priority Pass lounges with the ability to bring up to two guests each (see rates and fees ).

To learn more, read our full review of the Capital One Venture X .

Apply here: Capital One Venture X Rewards Credit Card

Citi Strata Premier Card

The Citi Strata Premier often falls under the radar compared to other higher-end travel cards , but any long-term traveler should look into it.

Welcome bonus : Earn 70,000 bonus points after spending $4,000 in the first three months. A higher offer may be available through Citi.com.

Welcome bonus value: $1,260

10 ThankYou points per dollar spent on hotels, car rentals and attractions (excluding air travel) when booking through CitiTravel.com
3 points per dollar on air travel, hotels, gas stations, EV charging stations, restaurants and supermarkets
Extended warranty protection and purchase protection
Redeem points directly for airfare through CitiTravel.com or transfer points to 20 airline and hotel partners
Annual $100 statement credit per calendar year for a single hotel stay of $500 or more (excluding taxes and fees) booked through CitiTravel.com or by calling Citi
Add an authorized user to your account at no additional cost

Annual fee : $95

The Citi Strata Premier features a 24-month extended warranty benefit that can be especially useful when living on the road, as nomadic life can take a toll on electronics and other gear. Plus, it carries a fantastic earning rate for a nice blend of everyday and travel-related purchases.

It's also much cheaper than many of the other cards on this list, so if you're traveling on a budget it may be the right card for you.

To learn more, read our full review of the Citi Strata Premier .

Apply here: Citi Strata Premier

American Express Green Card

Although it's often overshadowed by other American Express cards, the Amex Green is a well-rounded card to consider if you're a digital nomad.

Welcome bonus : Earn 40,000 bonus points after spending $3,000 in purchases in the first six months of account opening.

Welcome bonus value: $800

3 points per dollar on restaurants worldwide and travel, including transit
1 point per dollar spent on everything else.
Up to $199 per calendar year in statement credits when you pay for your Clear Plus membership with your card*
Up to $100 in statement credits per calendar year when you use your card to purchase lounge access through LoungeBuddy *
Transfer points to airline and hotel partners
Travel protections, including trip delay insurance** when you purchase an eligible round-trip ticket with your card and secondary car rental loss and damage insurance***
Shopping protections, including purchase protection** and extended warranty**

*Enrollment required for select benefits.

**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.

***Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

Annual fee : $150

The Amex Green earns 3 points per dollar on travel, including transit, which can provide great value to frequent travelers. The Amex Green's annual fee is slightly higher than the Citi Strata Premier , but the Amex Green has annual statement credits that can more than offset the $150 annual fee if you're able to get significant value from a Clear Plus membership and LoungeBuddy.

Learn more: American Express Green Card

Airline and hotel credit cards

If you frequently fly a particular airline or stay at a particular hotel brand, it may make sense to carry a cobranded credit card from the airline or hotel.

These cards provide many benefits, which can range from free checked bags to extra award availability to bonus-earning to elite status.

Take a look at TPG's guide to airline credit cards to see if the benefits provided by any cobranded airline credit cards make sense for your travel. Many of the cards provide a free checked bag, which can save you big time when you fly frequently — especially if you tend to purchase basic economy fares .

Even if you only check a bag a few times each year, cards such as the Delta SkyMiles® Gold American Express Card , Citi® / AAdvantage® Platinum Select® World Elite Mastercard® and United℠ Explorer Card can pay off.

Check out TPG's guide to hotel credit cards to see if signing up for a hotel cobranded credit card makes sense for your travel style.

For example, I've gotten excellent value from the IHG One Rewards Premier Credit Card . Since I often stay at IHG hotels, the benefits that come with this card easily make up for the $99 annual fee.

Notable benefits include up to 26 points per dollar earned at IHG properties, an anniversary night at an eligible IHG property worth up to 40,000 points after each account anniversary, automatic Platinum Elite status and a fourth-night reward when redeeming IHG points for stays of three nights or longer.

I also love the benefits that come with Hilton Diamond Elite status from the Hilton Honors American Express Aspire Card , but the card's $550 annual fee may be difficult to justify if you don't stay at Hilton properties frequently.

The information for the Hilton Aspire Amex card and Citi / AAdvantage Platinum Select World Elite Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Are cobranded cards worth it anymore?

Business credit cards

Many long-term travelers and digital nomads have businesses that they're running from the road. These travelers may find it useful to have one or more business cards as well.

One business card that's particularly well-suited to long-term travelers and digital nomads is the Ink Business Preferred® Credit Card .

This card earns 3 points per dollar on the first $150,000 in combined purchases spent on travel, shipping, social media and search engine advertising and internet/cable/phone services each account anniversary year, plus 1 point per dollar spent on everything else.

The Ink Business Preferred offers cellphone insurance , primary rental car insurance on business-related rentals and no foreign transaction fees.

Bottom line

If your work position is remote, you may be able to give the digital nomad life a try. If you decide to hit the road, having any of the cards on this list can make your work and travel experience a lot more secure.

For rates and fees of the Amex Platinum Card, click here .

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Sightseeing while driving the Glenn Highway_Travel Alaska:Ben Prescott

How to upgrade delta amex platinum to reserve?

Upgrading Delta Amex Platinum to Reserve: A Step-by-Step Guide

Are you a Delta Amex Platinum cardholder looking to upgrade to the prestigious Delta Reserve Credit Card? You’re in the right place! In this article, we’ll walk you through the process of upgrading your Delta Amex Platinum to the Reserve card, highlighting the benefits, requirements, and tips to make the transition smooth.

What is the Delta Reserve Credit Card?

The Delta Reserve Credit Card is a premium credit card offered by American Express, designed for frequent Delta flyers and high-end travelers. With a $450 annual fee, this card offers unparalleled benefits, including:

Priority Check-in and Security : Skip the lines and enjoy expedited check-in and security screening at Delta airports.
Complimentary Upgrades : Get upgraded to First Class or Delta Comfort+ on eligible flights.
24/7 Dedicated Customer Service : Enjoy personalized support from a dedicated customer service team.
Airport Lounge Access : Enjoy access to Delta Sky Clubs and other participating airport lounges.
Complimentary Wi-Fi : Stay connected with complimentary Wi-Fi on Delta flights.

Eligibility Criteria

To upgrade your Delta Amex Platinum to the Reserve card, you must meet the following eligibility criteria:

Current Delta Amex Platinum Cardholder : You must be an active cardholder with a good payment history.
Good Credit Score : You must have a good credit score to qualify for the upgrade.
Annual Spend Requirement : You must have spent at least $15,000 on your Delta Amex Platinum card in the past 12 months.

How to Upgrade Delta Amex Platinum to Reserve?

Upgrading your Delta Amex Platinum to the Reserve card is a straightforward process. Follow these steps:

Check Your Eligibility : Log in to your American Express account and check if you’re eligible for the upgrade.
Apply for the Upgrade : If you’re eligible, click on the "Apply for Upgrade" button and fill out the application form.
Wait for Approval : American Express will review your application and notify you of the approval status.
Activate Your New Card : Once approved, activate your new Delta Reserve Credit Card and start enjoying the benefits.

Tips and Considerations

Before upgrading, consider the following:

Annual Fee : The Delta Reserve Credit Card comes with a $450 annual fee, which may be higher than your current Delta Amex Platinum fee.
Benefits : Weigh the benefits of the Reserve card against your current Platinum card benefits. Ask yourself if the additional perks are worth the higher annual fee.
Credit Score : Ensure you have a good credit score to qualify for the upgrade.
Annual Spend Requirement : Make sure you’ve met the annual spend requirement to qualify for the upgrade.

Comparison Table: Delta Amex Platinum vs. Delta Reserve Credit Card

Upgrading your Delta Amex Platinum to the Reserve card can be a great way to enhance your travel experience and enjoy exclusive benefits. By following the steps outlined in this article and considering the tips and considerations, you can make an informed decision about whether the Reserve card is right for you. Remember to check your eligibility, meet the annual spend requirement, and weigh the benefits against the higher annual fee. Happy travels!

How To Get Late Checkout at a Hotel (And Cards To Get It With)

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How To Get Late Checkout at a Hotel (And Cards To Get It With)

What is late checkout, how can you get late checkout, final thoughts.

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We’ve all had those moments where an 11 a.m. hotel checkout feels impossible.

Maybe it’s the day after a destination wedding where you overindulged and got in late. Or maybe you’re on vacation and simply want a little extra time to lounge around and get your suitcase together.

Either way, there are certain things you can do to almost guarantee or at least increase your chances of getting a late checkout. From scoring elite status to paying extra or simply asking politely, we’ll detail the best ways to get a late checkout at a hotel.

Late checkout is when you’re able to check out later than the specified checkout time .

Most standard checkout times for hotels are from 10 a.m. to 12 p.m . This means you have to vacate your room and leave your room key by this time; otherwise, you risk additional charges. Hotels will usually phone your room if you haven’t checked out by the required time to remind you. Most hotels have a grace period of 30 to 60 minutes after the official checkout time if you’re running late.

You can get late checkout in a variety of different ways. Let’s run through some of those options.

Get Late Checkout by Asking for It

One of the easiest ways to get late checkout (for free) is simply to ask for it. Obviously, the answer depends on a number of factors, including the hotel’s policy, how friendly your front desk agent is, the right housekeeping staff, and whether the hotel has enough free rooms to allow for it. Here are tips on asking for late checkout — and getting it:

The nicer you ask, the more likely you are to get late checkout. Being friendly is an easy way to get your checkout extended.

Make Your Request Reasonable

Asking for a short extra period of time may increase your chances of late checkout. For example, if checkout time is usually noon, and you ask for a checkout time of 12:30 p.m. or 1 p.m., it probably isn’t a big deal for you to get it, assuming the hotel isn’t at completely full capacity or short on housekeeping staff. However, asking to stay in the room until 7 p.m. is probably pushing your luck. Reasonable requests are more likely to be granted.

Explain Why

I was once staying at a hotel in Valencia, Spain, with several members of my family, and my elderly aunt came down with a fever. Our train home wasn’t until the evening, and because she was ill (and I’d spoken with a particularly understanding staff member), the hotel allowed her to remain in the room until later that afternoon.

When my son was an infant, a kind hotel staff member at a boutique property in Santo Domingo, Dominican Republic, allowed us to remain in the room later than planned so he could nap in his crib before we embarked on a long international journey home.

If you have a good reason (and the staff is accommodating and occupancy rates allow for it), you may just get it.

Don’t Ask Too Early

Asking during the check-in process or a few days in advance may not help your case, though you can always do so. In most cases, staff don’t know if you can remain in the room until the day you’re checking out. At the earliest, they may find out the night before you’re scheduled to check out. When it comes to late checkout, last-minute, day-of requests may be more likely to be granted (assuming you don’t hold elite status, which I’ll dig into further below).

If there’s space to do so when you’re booking online, you may want to add a late checkout request there, too, so the hotel can see it on your reservation. You can also mention it upon checking in, but staff may ask you to ask again the morning of checkout.

Ask in Person

If you’re hurriedly tossing items into your suitcase and need an extra 20 minutes, a phone call to the front desk probably isn’t a big deal. But if you’re looking to spend longer in your room, it’s worth a chat at reception live and in person . A staff member is more likely to grant you a late checkout during a face-to-face conversation, especially if it’s a big ask, like remaining in the room for several additional hours. (Again, remember to be nice.)

Checking out late is an enjoyable perk, but so is early check-in. Here’s how to check-in early for your next hotel stay.

Get Late Checkout by Paying for It

AluaSoul Costa Malaga elevator late checkout cost

If you wish to remain in your hotel room significantly longer than the usual checkout time, you may have to pay for it.

Some hotels have policies that have specific pricing for late checkout (often based on hours), while some may charge day or half-day rates . If you’re really desperate for a late checkout but the hotel says it’s not possible, ask how much it costs to stay in the room longer. They may change their tune if you’re willing to pay.

Get Late Checkout by Holding Elite Status

This is probably the best and easiest way to get late checkout because, in some cases, you’re entitled to it as an elite status perk. Late checkout is often a perk awarded to brand loyalists , so if you’re after consistent late checkout with a particular brand, obtaining elite status might be worth it.

Just know that in most cases (even with top elite status holders), there are no guarantees, and this benefit is subject to availability unless explicitly guaranteed.

Below are some of the hotel loyalty programs that offer elite checkout for elite loyalty members. Do note that, unlike staying at hotels that don’t have loyalty programs (or for travelers who don’t hold elite status), elite status holders may have to request late checkout when they reserve the hotel or when they check-in. In most cases, checkout time is based on the elite membership tier or level.

Check out our guide to the best credit cards for complimentary hotel elite status !

Marriott Bonvoy

Marriott Bonvoy Silver Elite: Late checkout is based on availability. Call the front desk the morning of checkout to ask.
Marriott Bonvoy Gold Elite: Status holders get a 2 p.m. late checkout. Call the front desk the morning of checkout to request.
Marriott Bonvoy Platinum Elite and above: These elite members have until 4 p.m. Request this when making a reservation through central reservations, at check-in, via the mobile app (where available), or at any time during a stay.
Not all Marriott locations offer late checkout for elite members. This benefit isn’t available at Marriott Vacation Club; Marriott Grand Residence Club; Sheraton Vacation Club; Westin Vacation Club; The Phoenician Residences, a Luxury Collection Residence Club, Scottsdale; Ritz-Carlton Reserve; or MGM Collection with Marriott Bonvoy.

Certain credit cards offer Marriott Bonvoy elite status . Get Silver Elite status with the Marriott Bonvoy Bold ® Credit Card . Obtain Gold Elite status with the Marriott Bonvoy Bevy™ American Express ® Card , the Marriott Bonvoy Business ® American Express ® Card , the Marriott Bonvoy Bountiful™ Credit Card , and The Platinum Card ® from American Express . Get top-tier Platinum Elite status with the Marriott Bonvoy Brilliant ® American Express ® Card .

IHG One Rewards

All IHG One Rewards loyalty program members, including Club Members, Silver, Gold, Platinum, and Diamond, can request a 2 p.m. late checkout, though it is subject to availability. Certain IHG co-branded credit cards offer complimentary elite status, such as the IHG One Rewards Premier Credit Card , which offers Platinum Elite status. However, it only takes being a general Club Member to access the possibility of a 2 p.m. checkout. So when it comes to picking an IHG credit card, complimentary elite status awards you with many other perks but won’t help you further with late checkout.

Hilton Honors

Hilton doesn’t guarantee late checkout requests of any kind . The company website says that Hilton Honors members can request late checkout but that it’s subject to availability . It’s always worth asking at whatever Hilton hotel you’re staying at, as some individual Hilton properties may have their own structures for late checkout for holders of elite status.

World of Hyatt

World of Hyatt elite members have late checkout, subject to availability (and it may not be available at all Hyatt hotel and resort locations). Discoverists and Explorists may request a 2 p.m. checkout, and Globalists may request 4 p.m.

The World of Hyatt Credit Card offers cardholders complimentary World of Hyatt Discoverist status for as long as their account is open. Other benefits include elite night credits and a Category 1-4 free night certificate . As noted above, you get late checkout (subject to availability) with Hyatt Discoverist status.

Radisson Rewards

Radisson’s website states that “hotel policies regarding early check-in (generally before 2 p.m.) or late checkout (generally after 12 p.m.) vary by location and by hotel.” If you want to request a late checkout, the company advises that you call the hotel directly prior to your arrival to make any necessary arrangements. Direct hotel phone numbers can be found on your confirmation email or on the hotel information page.

If you hold either Premium or VIP Radisson Rewards elite status (the second and third out of 3 elite status tiers), you can request late checkout, which is subject to availability .

ALL – Accor Live Limitless

ALL has 5 elite status tiers: Classic (as soon as you join), Silver, Gold, Platinum, and Diamond. Silver, Gold, Platinum, and Diamond members have access to late checkout.

Choice Privileges

Choice’s FAQ section explains the brand’s stance on late checkout:

“ Late checkout requests are at the hotel’s discretion and based on availability. They also are subject to a surcharge . Special consideration may be made for Elite Choice Privileges members requesting a late checkout time, but it isn’t guaranteed.”

Wyndham Rewards

Wyndham offers late checkout as a perk for its Gold, Platinum, and Diamond tier status members . It’s provided upon request and subject to availability. It’s best to ask for it at check-in.

Get Late Checkout by Having the Right Credit Cards

I already mentioned some credit cards that can indirectly lead to late checkout. Using a credit card to earn hotel elite status means you can benefit from programs that offer late checkout as a status perk. However, certain credit cards also offer access to hotel booking programs and platforms that allow you to book properties that offer late checkout as a benefit.

Amex: American Express Fine Hotels + Resorts

The following credit cards allow you to book hotels part of Fine Hotels + Resorts (FHR) via AmexTravel.com :

Amex Platinum card
The Business Platinum Card ® from American Express
Centurion ® Card from American Express

Hotels that are part of Amex FHR offer cardholders the following benefits:

Room upgrade upon arrival (subject to availability)
Daily breakfast for 2 people
Noon check-in (subject to availability)
Guaranteed 4 p.m. late checkout
Complimentary Wi-Fi
A unique property amenity valued at $100 (spa or food and beverage credit)

As you can see, this program is one of the few that allows guaranteed 4 p.m. checkout, meaning if you really want a guarantee you’ll be able to stay in your hotel room for longer, getting one of these cards to access FHR hotel bookings is a surefire way to get late checkout.

Chase: The Edit by Chase Travel

This freshly rebranded program offers the following cardholders benefits at hundreds of participating hotels:

Chase Sapphire Reserve ®
Chase United cardholders (these credit card members must book here)
J.P. Morgan Reserve Card

These are the benefits cardholders can obtain when booking hotels through The Edit:

Daily breakfast for 2
$100 property credit (includes dining, spa, or other activities at the property)
Room upgrade at check-in, if available
Early check-in, late checkout, if available

While this program does offer late checkout, it’s subject to availability and doesn’t specify a time, so booking through this program may not be the best choice if you’re looking for a guaranteed late checkout or a specific time.

Capital One: Capital One Premier Collection

Cardholders of the following 2 cards can book Premier Collection hotels and vacation rentals on Capital One Travel :

Capital One Venture X Rewards Credit Card
Capital One Venture X Business Card

Here are the benefits these Capital One Venture X cardholders get when booking a Premier Collection hotel:

10X Capital One miles per $1 spent on Premier Collection bookings
$100 experience credit (varies by hotel)
Complimentary breakfast for 2
Room upgrade (when available)
Early check-in and late checkout (when available)

When booking a Premier Collection vacation rental, Capital One Venture X cardholders get the following:

$100 experience credit for amenities, like in-home chef meals, prearrival groceries, mid-stay cleans, and more

Although late checkout is subject to availability, the fact that cardholders can obtain the benefit through both specific hotels and vacation rentals is great.

How Late Can You Really Check Out?

The latest posted available checkout time we’ve seen from hotel brands is usually 4 p.m. However, if you are paying an additional day rate, have an extenuating circumstance or good reason, or happen to chat with really amenable reception staff, we have heard reports of travelers vacating the room even later.

For example, Juan Ruiz , compliance editor and content contributor for Upgraded Points, was able to check out as late as 7 p.m. on a visit to the Park Hyatt Dubai , thanks to his Hyatt Globalist status.

Chris Hassan , social media and brand manager for Upgraded Points, is also a Hyatt Globalist. He was proactively offered a 7 p.m. checkout at the Hyatt Regency Maui Resort and Spa because he had a late flight.

And the most generous late checkout we’ve heard of so far is from Upgraded Points contributor and Marriott Bonvoy Titanium Elite Ryan Smith . He was told, “Stay as long as you want” at the Ritz-Carlton Abu Dhabi, Grand Canal, because he had an 11 p.m. flight. (He also got to use his $100 on-property credit for booking through Amex FHR to charge his taxi rides to his room.)

However, in most cases, scoring a checkout time this late is rare, so if you’re planning to rely on late checkout, know that you may only have until 2 p.m. or 4 p.m. Or, you can always aim for Hyatt Globalist status and hope for the best!

Of course, late checkouts can go wrong, too. Upgraded Points contributor Dan Miller was at a London hotel that proactively offered him a 2 p.m. late checkout, only for housekeeping to walk in on him in the room and his key cards to stop working. Know that sometimes when you get a late checkout, you will need to stop at reception for a new key.

What To Do if You Can’t Get Late Checkout

Almost all hotels offer a safe space for you to store your luggage and go about your day. Many also will allow you to enjoy the hotel’s facilities — things like the pool, lounge, lobby, gym, or other common areas.

You could also consider booking a hotel room for day use only, though you will have to pay for this. Some hotels also have courtesy rooms where you can book a time to return to the hotel and access a room for an allotted period of time where you can have a quick shower or refresh before picking up your bags or heading to the airport.

Late checkout is almost never fully guaranteed and is usually subject to availability. If you’re hoping to get a late checkout, you might want to consider applying for some of the credit cards mentioned, obtaining hotel elite status, or even asking nicely so that you’ll be able to stay in your room just a little bit longer.

However, it’s always a good idea to have a Plan B in case you can’t get a late checkout, as you can never fully predict hotel occupancy or other factors that may come into play.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bold ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bountiful™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Centurion ® Card from American Express was independently collected by Upgraded Points and was not provided nor reviewed by the issuer. The information regarding the J.P. Morgan Reserve Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of the Marriott Bonvoy Bevy™ American Express ® Card, click here . For rates and fees of the Marriott Bonvoy Business ® American Express ® Card, click here . For rates and fees of the Marriott Bonvoy Brilliant ® American Express ® card, click here . For rates and fees of The Business Platinum Card ® from American Express, click here .

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Dining reservations Please call Platinum Concierge Services on 0124-6736660/ 1800-419-1030 (Toll free from MTNL, BSNL landlines) - press option 1 for Card Assistance or 3 for Concierge.

Purchase Protection

If an item is stolen due to burglary or damages or breaks due to fire, earthquake, flood, storm, cyclone, etc. within 60 days of purchase, it can be refunded*.

Claim to be intimated within 30 days of date of loss to ICICI Lombard by customer.
Cover is valid for 60 days from the date of purchase. ICICI Lombard Toll Free No :- 1800 2666 *Exclusions : Loss or damage to Gold or Silver articles, watches or jewelry or precious stones or medals or coins or curios, sculptures, manuscripts, rare books, plans, models, designs, deeds, bonds, bills of exchange, bank, treasury or promissory notes, cheques, money, securities, stamps, collection of stamps, business books or papers due to burglary is not covered.

Platinum Assist

Enjoy 24x7 services for all Card related assistance.

When calling from a mobile or from overseas, call any of the following numbers:

Toll free number : 1800-180-1030 / 1800-419-1030 (From MTNL, BSNL landlines) - press option 1 for Card Assistance or 3 for Concierge.
Gurgaon : 0124-6736660

Emergency Card Replacement

In case your Card is lost, stolen or damaged, just notify Platinum Assist while in India or the American Express Travel Service Offices or Network Locations if you are travelling overseas. You will receive a Replacement Card within 2 business days, free of charge, anywhere in the world.

Air Accident Insurance of ₹1 Crore

You, as the Basic Cardmember, are automatically insured against loss of life in an air accident for up to ₹1 crore when you purchase your air ticket with your Platinum Reserve SM Credit Card. This benefit is brought to you by ICICI Lombard General Insurance Company. Terms, conditions, limits and exclusions apply.

Please do send your Insurance Nomination Form if not sent already.

Download Insurance form

We’ve got your back

Fuel Waiver

0% surcharge 8 for HPCL transactions less than ₹5,000.

Zero Lost Card Liability

Provided that the Cardmember has acted in good faith, his liability to American Express arising out of any unauthorised use of the Credit Card shall be nil if American Express receives the report within 3 working days of the fraud. If the fraud is reported beyond 3 working days then the maximum liability of the customer will be limited to ₹1,000.

American Express Insurance Services

Together with our partner, ICICI Lombard, we have developed a value for money proposition for you. ‘Comprehensive Protection Plan Plus’* - a plan that covers you from all aspects of your insurance protection needs. For more information e-mail us at [email protected].

*Insurance underwritten by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation. The premium paid is tax deductible under Section 80(D) of the Indian Income Tax Act.

Interest Rates and Other Charges

Interest rates may vary from time to time. At any given point, the current rates will be displayed in your Statement of Account/Most Important Terms and Conditions.

Contactless Payment

Your American Express Card may be enabled for contactless payments. To see if your Card is contactless, look for the contactless symbol network on the front and back of your Card. To make a Contactless purchase, touch your Card on the front of the specially marked American Express Contactless reader. For purchases of less than ₹5,000*, you will not need to enter your Personal Identification Number (PIN) or sign. To know more visit here .

*Please be advised that few of our merchant terminals are still undergoing the upgrade process, to support Contactless Transactions upto ₹5,000, without PIN authentication. We regret inconvenience, caused, if any, during this transition period.

If you don't have the American Express® Platinum Reserve SM Credit Card

Terms and conditions.

Authorization for an amount of Rs. 2 will be taken for Card Validation purpose. The Cardmember will enjoy 12 complimentary visits every year (limited to 3 times per quarter). The 12 months period is defined as January 1 to December 31 of every year.
Cardmember exceeding the 2 complimentary visits would be charges as per the prevailing rates; currently US$35 per person per visit. This is an enrollment based benefit.
Effective 1 May’24, Cardmembers can avail up to two (2) complimentary access to Golf courses every month for every Rs. 50,000 spends made using your Platinum Reserve Credit Card in the previous to previous calendar month. Eg. Spend at least Rs. 50,000 in a May’24 using your Platinum Reserve Credit Card, Onwards the First calendar date of next to next month i.e. Jul’24 book your Golf Round as per the applicable process.
Welcome Gift is available only in the 1st year on payment of the annual fee and on spending Rs. 30,000 within 90 days of Cardmembership.
Effective 1 May 2024, upon reaching spend milestone of Rs. 50,000 respectively in a Calendar month you can avail a voucher worth Rs.1,000 of any of the available brands. If you are already enrolled in the Monthly Voucher benefit, you will not be required to re-enroll. For details click here . Starting 11/10/2022, instead of receiving a Voucher for BookMyShow or Flipkart, we’ll send you a unique gift code you can redeem for a Voucher of your choice when you reach the spend milestone in a calendar month.
Eligible spends do not include cash advances, express cash transaction, draft made from the account, balance transfer, fees and is net of any returns.
Please note that your expenses made on fuel*, insurance, utility^ payments and cash transactions will not earn you Membership Rewards points.

*Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs)

^Utility services include providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organisations; public housing societies and apartment associations.

8. 1% fee per transaction is applicable for all HPCL transactions on and above Rs. 5,000, 1% of the transaction value subject to a minimum of Rs.10 + applicable taxes, will be charged as convenience fee at fuel stations operated by the Public Sector Oil Marketing Companies BPCL and IOCL, 2.5% of the transaction value subject to a minimum of Rs.10 + applicable taxes, will be charged as convenience fee at fuel stations of all other Oil Marketing Companies (except HPCL, BPCL and IOCL).

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Bank Your Way

New to Scotia OnLine? Activate Now

Turn everyday purchases into extraordinary journeys

Discover all the ways you can make the most of your Scotiabank®* Platinum American Express® Card, all in one place.

How to earn Scene+ points

Your Scotiabank Platinum American Express Card gives you automatic membership to the Scene+™* rewards program. From travel to entertainment, shopping, dining, and statement credits, the Scene+ rewards program gives you something to look forward to every time you use your Card to make everyday purchases. 12

Double the points

Earn 2 Scene+ points for every $1 on all eligible purchases made with your Card. 13

Get ready to take off with Scene+ Travel 14

Use your Scene+ membership card when you book eligible hotels, car rentals and things to do through Scene+ Travel, Powered by Expedia, and you’ll earn 3 Scene+ points for every $1 spent. 15

Earn points faster

Combine the power of your Card with your Scene+ membership to earn points faster at rewards partners like Cineplex ◊ , Scene+ Travel, Powered by Expedia 14 , Scene+ Rakuten®**, participating grocery stores and 700+ restaurants to earn Scene+ points faster. Your points will never expire as long as you have your Card. 16

Track your points

You can track the Scene+ points you earn online with:

The Scene+ app
The Scotia mobile app
ScenePlus.ca
Scotiabank online banking

How to redeem Scene+ points

With the choice to redeem points for travel, gift cards, technology, entertainment, and more, you get the flexibility to redeem your points for what you want. Treat yourself or your loved ones with rewarding experiences and exclusive offers through Scene+.

With Scene+, you can book travel with any travel provider, site, or operator. To help cover trip costs, just redeem your Scene+ points towards your travel purchase within 12 months. 17

How to redeem your points:

Book eligible travel using your Card
Wait for your travel purchase to be posted to your Card
Sign in to ScenePlus.ca and redeem your Scene+ points (minimum 5,000 points) towards the travel purchase 17

To learn more on how to apply Scene+ points to travel, visit ScenePlus.ca or call 1-866-586-2805 .

Shopping and gift cards

Shop online with Scene+ Rakuten®** and earn up to 20% more cash back in points for eligible online purchases with select retailers. 18 You can also choose to redeem for the latest in tech through the Apple and Best Buy™** catalogues or for gift cards at more than 60 national retailers.

Points for credit

Use the points for credit option to receive a statement credit on your Scotiabank Platinum American Express Card account. 19

Redeem points at over 800 restaurants including Swiss Chalet ‡ , Harvey’s ‡ , Montana’s ‡ and more. 20

Redeem points at Cineplex Theatres ◊ , Cineplex Store ◊ , The Rec Room ◊ , and Playdium ◊ . 21

Download the Scene+ App

The Scene+ app gives you access to unique rewards, exclusive offers, contests, and more. Free on the App Store and Google Play.

Get in touch

General card inquiries:

In Canada and the U.S. 1-888-860-5477 (24 hours a day, 7 days a week)
All other areas (collect) 416-701-7810

In case of medical emergency:

Scotia Assist 1-877-391-7507
All other areas (collect) 416-572-3636

Emergency card replacement:

In Canada and the U.S. 1-888-860-5477 (24 hours a day, 7 days a week)

TeleScotia Telephone Banking:

In Canada and the U.S. 1-800-267-1234

Rewards information, concierge, and travel service:

Visit ScenePlus.ca

Rewards and redemption 1-866-586-2805 (Monday – Sunday 8 am to 11 pm ET)
Concierge Service, call 1-866-586-2805 and follow the voice prompt (Monday – Sunday 8 am to 11 pm ET)
Scene+ Travel 1-800-419-8586 (24 hours a day, 7 days a week)

ABM Access:

Worldwide look for machines displaying the Interac **, American Express or LINK symbols

Get to know your card

Credit card fees at a glance Credit card interest rates Manage your credit card Report a lost or stolen credit card Revolving Credit Agreement (Visa/Amex) Certificates of Insurance

Activate your credit card online Increase your credit limit Order supplementary credit cards

Rewards calculator Scene+ frequently asked questions Scotiabank’s Privacy Commitment Scene+ Program Terms & Conditions Scene+ Privacy Policy

Scene+ points may be earned and redeemed on food and drink (excluding alcoholic beverages) at Cineplex® theatres including concessions, Outtakes®, YoYo’s Yogurt Café®, Pizza Pizza®, Poptopia®, Starbucks®, Cineplex VIP™ Lounges and in-seat dining. Only one Scene+ membership card can be used per purchase. Cineplex®, Outtakes®, Poptopia® and Cineplex VIP™, owned by Cineplex Entertainment LP, used under license. YoYo’s Yogurt Café®, owned by YYC Franchise Corporation, used with permission. Pizza Pizza®, owned by Pizza Pizza Royalty Limited Partnership, used with permission. Starbucks®, owned by Starbucks Corporation, used with permission.

The Rec Room

Scene+ members can redeem Scene+ points in multiples of 1,000 points per ten-dollar ($10.00) discount off the net purchase price (excluding taxes, alcohol, and gratuity), shown on the receipt at The Rec Room locations, to a maximum of 35,000 Scene+ points ($350.00) per cheque. By way of example only, if your net purchase price is $104.59, you will be able to redeem ten thousand (10,000) Scene+ points, for a $100.00 reduction in your bill.

Scene+ members can redeem 100 points for $1.00 towards the purchase of admission tickets, applicable taxes, and fees.

Members can redeem SCENE Points in multiple of 500 Points per five-dollar ($5.00) discount off the net purchase price (excluding taxes, alcohol, and gratuity), shown on the receipt at select Playdium locations, to a maximum of 35,000 SCENE Points ($350.00) per bill. By way of example only, if your net purchase is $104.59, you will be able to redeem ten thousand (10,000) SCENE Points, for a $100.00 reduction in your bill.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries and regions.

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COMMENTS

American Express® Platinum Reserve SM Credit Card
Credit Card. Earn 1 Membership Rewards® Point for every2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale2. The Annual Membership Renewal fee of Rs.10,000 will be 100% waived off if total spends on American Express Platinum Reserve Credit Card in the immediately preceding ...
Platinum Reserve Card
The American Express ® Platinum Reserve Credit Card
American Express Platinum Reserve Credit Card
The Platinum Reserve credit card is the second most premium credit card that American Express offers, only next to the Platinum card, which is a Charge Card (Charge cards have a variable credit limit). Looking at the benefits that it offers, from Taj Epicure membership to the Hotel Collection program, one might consider it a travel credit card.
Amex Platinum vs. Chase Sapphire Reserve: Which is right for you?
For starters, the Sapphire Reserve still has an edge over Amex regarding the $300 annual travel credit. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but it's also much less restrictive. It will automatically apply to a broad range of travel purchases.
Premium Card Showdown: Venture X, Amex Platinum or Sapphire Reserve?
Still, those are great offers that can easily offset the annual fee. At a minimum, the 75,000-mile offer on the Venture X is worth $750 towards travel. With the Chase Sapphire Reserve, the current 75,000-point offer is worth at least $1,125 towards travel. But with the Amex Platinum, so long as you can find at least a 125,000- or 150,000-point ...
AmEx Platinum vs. Chase Sapphire Reserve: Reserve Has More ...
The difference in annual fees — $695 vs. $550 — is $145, making the The Platinum Card® from American Express 26% more expensive every year. If you're spending over $500 on a premium travel ...
American Express Platinum Benefits & Travel Perks
Enjoy More Benefits With The Hotel Collection. Style, perks, and benefits await at over 1,000 high-quality, upscale hotels around the world. Enjoy premier benefits unique to each property - including a room upgrade at check-in when available and a $100 experience credit - when you book a prepaid stay of at least two consecutive nights with The Hotel Collection through American Express Travel.
14 Best Travel Credit Cards of September 2024
Best premium travel credit cards. American Express® Gold Card - Best travel card for dining. Capital One Venture X Rewards Credit Card - Best low-cost premium travel card. Chase Sapphire Reserve® - Best premium travel credit card. The Platinum Card® from American Express - Best travel card for lounge access.
15 Best Travel Credit Cards Of September 2024
Capital One Venture Rewards Credit Card. $95 (rates & fees) 75,000 miles once you spend $4,000 on purchases within three months of account opening, plus a one-time $250 Capital One Travel credit ...
Delta Reserve vs. AmEx Platinum: Platinum Is the Top ...
Delta SkyMiles® Reserve American Express Card is a traditional credit card, unlike The Platinum Card® from American Express, which was originally introduced as a charge card.
6 Things to Know Before Getting the AmEx Platinum
For example, the Chase Sapphire Reserve® has a lower $550 annual fee and an easy-to-use $300 annual travel credit. Plus, Chase Sapphire Reserve® offers a Priority Pass Select membership and TSA ...
How To Maximize The Amex Platinum Airline Fee Credit
The Amex Platinum airline fee credit is a credit up to $200 that comes as a benefit of The Platinum Card® from American Express for one select airline. The credit applies as statement credits ...
Travel insurance comparison: Chase Sapphire Reserve vs. American
The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards.After all, both cards offer valuable transferable rewards, lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection.. Like many of the top rewards cards, the Chase ...
Chase Sapphire Reserve vs. Amex Platinum [2024]
The Chase Sapphire Reserve card's up to $300 travel credit, however, is much easier to utilize because airline tickets, hotels, taxis, and more are considered travel purchases. Bottom Line: When we compare statement/shopping credits, the Amex Platinum card offers more total value.
Chase Sapphire Reserve Card Benefits & Rewards
Rewards to inspire your next adventure. The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.
Chase Sapphire Reserve Vs. Amex Platinum
Premium rewards credit cards have taken the market by storm, with two options being the clear favorites among travel enthusiasts: the Chase Sapphire Reserve® and The Platinum Card® from American ...
Chase Sapphire Reserve vs Amex Platinum: Premium Card Showdown
With the Chase Sapphire Reserve, you'll need to pony up $550 each year of card membership. While not quite as much as the Amex Platinum's annual fee, that's still a significant sum. In order to offset such a high annual fee, Chase gives card members an annual $300 statement credit for travel purchases.
Platinum Credit Card Membership Guide
Platinum Card® Members receive valuable benefits on eligible sailings of 5 nights or more with participating cruise lines when booking through American Express Travel or AmexTravel.com. Up to $300 onboard credit per stateroom to use toward dining, spa and more. One unique amenity per stateroom. Earn 2X Membership Rewards® points per booking ...
Amex Platinum vs. Amex Gold: Which Card Should You Get?
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®.
The best credit cards for digital nomads and long-term travelers
The Chase Sapphire Reserve is an excellent card for long-term travelers because it earns 3 points per dollar on many travel purchases (after the first $300 spent on travel in a calendar year) and ...
How to upgrade delta amex platinum to reserve?
Feature. Delta Amex Platinum. Delta Reserve Credit Card. Annual Fee: $450: $450: Priority Check-in and Security: Complimentary Upgrades: 24/7 Dedicated Customer Service
VKO lounge amex platinum
Answer 1 of 3: I have my grandmas amex platinum is there any amex lounges or the equivalent that this card will get me into? I have a 4 hour layover before going to tel aviv. How is transearos 777s economy btw, i usually fly turkish and that is fine.
How To Get Late Checkout at a Hotel (And Cards To Get It With)
All IHG One Rewards loyalty program members, including Club Members, Silver, Gold, Platinum, and Diamond, can request a 2 p.m. late checkout, though it is subject to availability. Certain IHG co-branded credit cards offer complimentary elite status, such as the IHG One Rewards Premier Credit Card, which offers Platinum Elite status. However, it ...
RBC Visa Platinum Credit Card
Take advantage of all the benefits your credit card has to offer by adding optional services to protect your identity, your family, and your credit card balance: Add-on Travel Insurance. RBC Road Assist. BalanceProtector Max Insurance. Identity Theft & Credit Protection. See All Optional Add-On Services
Using credit cards in Moscow/SPB
Credit Card Programs - Using credit cards in Moscow/SPB - Hiya, I'm going to Moscow/SPB in about 2 weeks would like to know whether there are going to be any problems using credit cards, considering Russia is one of those high-risk fraud places. I know there are some USA-based issuers who temporarily shut down accounts . News Forums.
Platinum Reserve Credit Card Benefits
Benefits. View Benefits by Card. Enter an enhanced realm of privileges with the American Express ® Platinum Reserve SM Credit Card. A Card made distinctly for you, where every experience is tailored to your lifestyle choices. Enjoy benefits worth ₹80,000 * on shopping, dining, travel and more. Calculate now.
Amex Platinum Card
Travel & lifestyle credit cards; No annual fee credit cards; Low interest credit cards; Scene+ rewards credit cards; Student credit cards; ... Scene+ Points are awarded for purchases charged to your Scotiabank Platinum American Express Credit Card Account ("the Account"). The regular earn rate is two (2) Points per $1.00 CAD in purchases ...
Using credit cards in Moscow/SPB
Last. Russia - Using credit cards in Moscow/SPB - Hiya, I'm going to Moscow/SPB in about 2 weeks would like to know whether there are going to be any problems using credit cards, considering Russia is one of those high-risk fraud places. I know there are some USA-based issuers who temporarily shut down accounts because of &qu.

American Express Platinum Reserve Credit Card

Joining Fee

Rewards Rate

Reward Redemption

Domestic Lounge Access

International Lounge Access

Insurance Benefits

Spend-Based Waiver

Rewards Redemption Fee

Interest Rates

Fuel Surcharge

Cash Advance Charges

American Express Platinum Reserve Credit Card Rewards

Reward Redemption:

Welcome Benefit

Milestone Benefits

Travel Benefits

Movie Benefits

Dining Experiences

Golf Privileges

Concierge Service

Zero Liability Protection

American Express Platinum Reserve Credit Card Eligibility

American Express Customer Care

American Express Platinum Reserve Credit Card Review

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6 Things You Should Know Before Getting the Platinum Card from American Express

What to know before getting The Platinum Card® from American Express

2. The The Platinum Card® from American Express welcome offer spending requirements

3. The Platinum Card® from American Express annual fee of $695 is higher than average

4. Your credit score needs to be strong

5. You could potentially earn $1,400 a year in statement credits — if you use them

6. You can add different types of authorized users

Should I get The Platinum Card® from American Express ?

How to maximize your rewards

Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

Overview of the travel insurance provided by these cards

Trip delay insurance

Trip cancellation/interruption insurance

Auto rental collision damage waiver

Emergency evacuation and transportation insurance

Lost luggage reimbursement

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

Reasons to use the Chase Sapphire Reserve

Reasons to use the Amex Platinum

Bottom line

Explore all the benefits of Sapphire Reserve

01 Travel

Get closer to your happy place

$300 Travel Credit

Book through The Edit SM

10x on hotels through Chase Travel

5x points on flights through Chase Travel

3x points on travel

Unlimited points

Enjoy more premium travel rewards

Global Entry or TSA PreCheck ® or NEXUS fee credit

No blackout dates or restrictions

No foreign transaction fees

Elite hotel benefits at Relais & Châteaux

Special car rental privileges

Ennismore hotel benefits

Free Lyft Pink

02 Dining

Indulge in worldwide dining experiences

Private dining series

3x points on dining

DoorDash & Caviar benefits

03 Ultimate Rewards ®

Get the most from your rewards

More value with travel redemption

Worldwide travel assistance

1:1 point transfer to leading frequent travel programs

1 point per $1 spent on all other purchases

Flexibility

More ways to get the most from your rewards

Shop through Chase ®

25% more value with Pay Yourself Back ®

Pay with points