AMEX Adding JFK Centurion Lounge; AMEX Consumer Vs. Business Platinum Card Benefit Comparison Chart

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  • The Platinum Card® from American Express
  • The Business Platinum Card® from American Express

Back in the good old days, an AMEX Platinum card granted access to American, Continental, Northwest, and USAirways lounges.

One by one, those airlines merged and stopped allowing lounge access for AMEX Platinum cardholders. You can still access Delta lounges, though you can no longer bring in any guests with you. The good news is that additional cardholders do get access to Delta lounges.

Originally, Centurion Lounges were designed for free access only for Centurion cardholders. You know them as those black cards that cost a whopping $2,500 per year with a $7,500 initiation fee that used to give top-tier elite status on airline like Continental and USAirways but no longer do.

Once the Platinum card started losing airline lounge partners they opened the Centurion lounge up to Platinum cardholders for free as well. Platinum cardholders used to be able to bring a spouse and kids into a Centurion lounge for free, but now you are limited to 2 guests besides for the cardholder. The good news is that additional cardholders also get access and can bring in 2 guests as well.

Centurion lounges offer services that vary by location including free spa/massage services, showers, complimentary food, drinks, cocktails, etc.

AMEX also added Airspace lounge access, Priority Pass lounge access, and other benefits like an annual $200 airline fee credit to make up for the loss of the airline lounges.

Currently, there are Centurion Lounges in:

  • Dallas/DFW (Terminal D, near American)
  • Houston/IAH (Terminal D, near United)
  • Las Vegas (Concourse D, near United)
  • NYC/LGA (Central terminal B upstairs, before security)
  • Philadelphia (Terminal A West, near American)
  • Miami (Concourse D, near American)
  • Seattle (Concourse B)
  • San Francisco (Terminal 3, near United)

International locations include:

  • Buenos Aires/EZE
  • Delhi
  • Hong Kong (Terminal 1)
  • Mexico City
  • Monterrey, Mexico
  • Sao Paulo/GRU
  • Sydney
  • Toluca, Mexico

In early 2019, AMEX will open a 2 level Centurion lounge in JFK terminal 4. Terminal 4 includes airlines like El Al, Asiana, Delta, Emirates, Etihad, KLM, Singapore, South African, Swiss, Virgin Atlantic, and more.

Delta also has a shuttle that connects terminals 2 and 4 airside after security.

While Delta has a lounge in terminals 2 and 4, those are limited to Platinum cardholders only. The Centurion lounge will be open to cardholders plus 2 guests.

The chart below summarizes all of the differences between the consumer and business versions of the Platinum card. It features the superior benefits in red font when there is a difference between the consumer and business card.

Note that the lounge benefits for additional cardholders as described below is only for additional Platinum cardholders, not for additional Gold or Green cardholders.

However, additional Gold and Green cardholders do qualify for free Global Entry/PreCheck memberships!

Additionally if you pay for a ticket with a Consumer Platinum card and you also have a Business Platinum card, and you choose to have it rebated with points, you will still earn a bonus 4 points per dollar. More info on how that works in this post.

 Consumer Platinum CardBusiness Platinum Card
Annual Fee$695$695
Additional Cardholder Fee-Up to 3 additional Platinum cardholders for a $175 fee ($58.33/card with 3 cards).

-No fee for additional Gold cardholders
-$300 for each additional Platinum cardholder.

-No fee for additional Green cardholders
Annual Airline Fee Credit$200$200
Points earned on airfare5 per dollar from airlines (including online travel agencies) and on AMEXTravel.com5 per dollar, but only if booked on AMEXTravel.com
Points earned on hotels5 per dollar, but only if booked on AMEXTravel.com5 per dollar, but only if booked on AMEXTravel.com
Points earned on eligible purchases of $5,000+1 per dollar1.5 per dollar
Points per dollar on bonus category purchases1 per dollar1.5 per dollar on electronic goods retailers and software & cloud system providers, construction material and hardware suppliers, and shipping
Annual CLEAR credit$179 annual credit$179 annual credit
Walmart+ credit:$12.95/monthNone
Prepaid hotel credit:$200/yearNone
Digital entertainment credit:$20/month on Peacock, Audible, SiriusXM, and The New York TimesNone
Wireless credit:None$10/month
Adobe Credit:None$150/year
Indeed credit:None$90/quarter
Equinox credit:$25/monthNone
Uber BenefitsVIP Status

$15 in monthly credit plus $35 credit every December
None
Dell BenefitsNone$200 credit every Jan-Jun and every Jul-Dec
Rebate on points redeemed for paid airfareNone-35% rebate on a US airline of your choice in coach.

-35% rebate on all airlines in business or first.

-Maximum rebate of 500K points per calendar year.
Card designMetalMetal
Elite statusHilton and Marriott Gold for primary and secondary cardholdersHilton and Marriott Gold for primary and secondary cardholders
Centurion lounge accessPrimary or secondary cardholder plus 2 guestsPrimary or secondary cardholder plus 2 guests
Priority Pass membershipPrimary or secondary cardholder plus 2 guestsPrimary or secondary cardholder plus 2 guests
Airspace lounge accessPrimary or secondary cardholder plus 2 guestsPrimary or secondary cardholder plus 2 guests
Escape lounge accessPrimary or secondary cardholder plus 2 guestsPrimary or secondary cardholder plus 2 guests
Delta SkyClub accessPrimary or secondary cardholders only. Must be flying Delta.Primary or secondary cardholders only. Must be flying Delta.
Global Entry/Pre-Check Fee Refund
Once every 4 years for Primary and for each secondary cardholderOnce every 4 years for Primary and for each secondary cardholder
Fine Hotels & Resorts benefits
Early check-in, room upgrade, daily breakfast, Wi-Fi, late checkout, and an additional special amenity.Early check-in, room upgrade, daily breakfast, Wi-Fi, late checkout, and an additional special amenity.
Lost/Stolen/Damaged Item Protection
Covers items up to $10,000 for losses within 90 days of purchase, up to $50,000/year.Covers items up to $10,000 for losses within 90 days of purchase, up to $50,000/year.
Return Protection
Covers items up to $300 within 90 days of purchase if the store won't take a return or charges a restocking fee, up to $1,000/year.Covers items up to $300 within 90 days of purchase if the store won't take a return or charges a restocking fee, up to $1,000/year.
Extended WarrantyDoubles the manufacturer's warranty up to 2 additional years. Covers up to $10,000/item and up to $50,000/year.Doubles the manufacturer's warranty up to 2 additional years. Covers up to $10,000/item and up to $50,000/year.
Travel Accident Insurance$500,000 per person$500,000 per person
Lost Luggage Insurance$3,000 per person$3,000 per person
Car Rental Perks-4 hour late return fee-free grace period at Hertz.

-National Executive
-4 hour late return fee-free grace period at Hertz.

-National Executive
Trip delay insurance$500 of coverage for 6+ hour delays.$500 of coverage for 6+ hour delays.
Trip cancellation and interruption insurance$10,000 of coverage per trip and $20,000 per rolling 12 month period.$10,000 of coverage per trip and $20,000 per rolling 12 month period.
Cell Phone Protection$800 coverage$800 coverage
Intro APRN/A0% for 12 months with Pay Over Time
Counts against your Chase 5/24 countYesNo
Foreign transaction feeNoneNone

 

What is your favorite AMEX Platinum perk?

HT: as2, via DDF

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27 Comments On "AMEX Adding JFK Centurion Lounge; AMEX Consumer Vs. Business Platinum Card Benefit Comparison Chart"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

davidmal

AWESOME News!

messiah

if my citi card is converting over to the new hilton ascend by end of january does the new card come with lounge passes?and how do i register with them thanks

dg

Is the 100k bonus only if you never got one before?

Mountain Man

Is it worth noting that the national executive can then be status matched to hertz five star.

mordechai

How does it work with the premium roadside assitance you put the towing charges on your platinum card and it gets refunded after you call up? also if i have a additional cardholder how does he register with hilton lets say for them to give him gold statues?

E H

There is no Uber credit for Platinum Business Cards?

R

Not that exciting if you fly DL. As an AMEX holder you already have access to the DL Lounge. Also, I assume the lounge will be in the middle by security (where the Wingtips lounge is). That is a solid 20+ min walk to the gates if you’re at the B34+ gates.

Myi

You can use your expired platinum card until the expiration date to take advantage of the lounges.

as2

May want to specify in the chart, access to SkyClub only when flying DL.

mo

Why is it that if I buy a ticket from an airline on my gold card I get 3x but on my Platinum only 1x

Yitzie

How do you get Hertz 4 hour grace period?
Has anypne used this?

Fran

Yes! Simply apply the amax code in your reservation.

R

You can even pre-book it that way. (i.e. if you book a reservation with a 1PM pickup and a 5PM return, it will only charge you for 1 day….note that this does NOT cover other items like insurance or neverlost)

Joel

Can Centurion lounges be used on arrival?

Sammy

For the Platinum Amex consumer, are there any lounges in Istanbul airport? (during my layover)

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