American Express credit cards offer cardholders stand-out benefits in travel protection and retail protections. Plus, the issuer grants cardholders access to pre-sale tickets, unique experiences and valuable offers with partner merchants and services.
Many of the American Express credit card benefits are tremendously valuable. Common Amex card benefits like extended warranties, travel protections and access to pre-sale tickets to concerts and sporting events can justify a pricier annual fee.
In addition, Amex cardholders enjoy ongoing benefits like a complimentary ShopRunner membership and special offers on the American Express Experiences hub.
Whether it’s travel insurance or purchase protection, American Express credit card benefits are available to all of its cardholders. Here are American Express credit card benefits and how to maximize them.
What benefits are available to American Express cardholders?
American Express continues to raise the bar when providing offers and services for cardholders. You very well may have an Amex card in your wallet, so here are some perks you can begin to enjoy today.
When booking travel, American Express credit card benefits include its travel benefits. These valuable perks protect you so you can often opt out of purchasing travel insurance to insure your trip. This travel protection is included in the cost of your annual fee.
Protections vary by your specific American Express card, but they include perks such as trip cancellation or trip interruption insurance, trip delay insurance, baggage insurance and car rental protections. You can find the specific terms for your protections in your Amex credit card benefits guide, but premium cards like The Platinum Card® from American Express will always get you the most value.
American Express retail protection benefits also vary by card. The suite of insurance benefits includes purchase protection, return protection and extended warranty.
American Express’s premium cards take these protections to the highest level.
One of the best picks with generous coverage offered is the American Express® Gold Card, which has a $250 annual fee. Cardholders get up to $10,000 of purchase protection per incident (capped at $50,000 per year).
Pre-sale ticket access
Snag tickets before the general public with American Express pre-sale ticket access. Although many concerts and shows are currently halted for the pandemic, American Express cardmembers are given special access to pre-sale tickets for thousands of events, such as theater showings, concerts and music festivals like Coachella and sports events such as Wimbledon.
In addition, eligible American Express premier and elite cards may have preferred seating benefits. These offers vary by card and event.
Complimentary hotel nights and property credits
Cardholders with the Amex Platinum, American Express® Business Gold Card and Centurion Members can enjoy The Hotel Collection benefits when they book two consecutive nights or more through American Express Travel. These American Express card benefits may include complimentary nights or property credits. Additionally, eligible cardmembers can get complimentary nights or hotel credits of $100 or more when booking Fine Hotels + Resorts or The Hotel Collection properties through the issuer’s portal.
Free ShopRunner membership
American Express and ShopRunner offer eligible cardholders a complimentary, two-day free shipping membership benefit on eligible purchases – a value of $79 a year (enrollment required).
Eligible cardmembers can enjoy quick shipping and free returns on all eligible items at more than 140-plus popular online retail partners, including Neiman Marcus, Brooks Brothers, Saks Fifth Avenue and Bloomingdale’s, among others.
American Express Experiences hub
American Express cardmembers can enjoy curated virtual dining experiences from the American Express Global Dining Collection chefs, in-home cooking tips and recipes from favorite Resy restaurants and virtual sports and entertainment experiences, all on the refreshed American Express Experiences hub.
Limited-time retail offers
American Express offers no shortage of other valuable limited-time perks, through either the American Express Experiences hub online or Amex Offers. You’ll have to check your American Express app or desktop account for offers targeted to you, but here are some examples of top-notch deals we’ve seen recently:
- Get a one-time $10 statement credit by using your card to spend a minimum of $50 in one or more transactions in store at Sur La Table or online at surlatable.com (enroll and use by March 6, 2022).
- Earn a $10 statement credit by using your eligible Amex card to make one or more purchases of $50 or more at 1800flowers.com/amex , up to two statement credits (total of $20). Enroll and use the offer by March 31, 2022.
- Get a one-time 30% statement credit ($60 back in total) with your eligible Amex card in online transactions at taxact.com (enroll and use by April 15, 2022).
Getting the most out of Amex card benefits
The first step to reaping all the American Express credit card benefits is to download the American Express mobile app, where a dashboard will outline your benefits. Travel protections and retail protection benchmarks can be easily accessed from your membership page.
For limited-time benefits, keep an eye on the American Express site.
Don’t forget that rewards and benefits vary from card to card. Some offer perks like spending bonus categories, extra product protection and cash back special offers. Get acquainted with American Express card offerings to see the best fit depending on your tolerance to pay annual fees, your spending limit, whether you are a frequent traveler and your credit score.
Some of the ultra-premium American Express cards have particularly high annual fees, but they might offer more valuable benefits to offset this cost.
No matter which card you carry, odds are your American Express credit card is packed with valuable benefits – including travel protection, retail protection and surprising perks and unexpected services.
It’s important to understand that premium American Express cards offer higher thresholds of benefits and protections, but these cards are subject to higher annual fees. The trade-off is a personal decision. If the value-added benefits exceed the hefty annual fee, it can justify the extras.