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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
- Hong Kong (Terminal 1)
- Mexico City
- Monterrey, Mexico
- Sao Paulo/GRU
- 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 Card||Business Platinum Card|
|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 airfare||5 per dollar from airlines (including online travel agencies) and on AMEXTravel.com||5 per dollar, but only if booked on AMEXTravel.com|
|Points earned on hotels||5 per dollar, but only if booked on AMEXTravel.com||5 per dollar, but only if booked on AMEXTravel.com|
|Points earned on eligible purchases of $5,000+||1 per dollar||1.5 per dollar|
|Points per dollar on bonus category purchases||1 per dollar||1.5 per dollar on electronic goods retailers and software & cloud system providers, construction material and hardware suppliers, and shipping|
|Annual CLEAR credit||$189 annual credit||$189 annual credit|
|Prepaid hotel credit:||$200/year||None|
|Digital entertainment credit:||$20/month on Peacock, Audible, SiriusXM, and The New York Times||None|
|Uber Benefits||VIP Status|
$15 in monthly credit plus $35 credit every December
|Dell Benefits||None||$200 credit every Jan-Jun and every Jul-Dec|
|Rebate on points redeemed for paid airfare||None||-35% rebate on a US airline of your choice in coach.
-35% rebate on all airlines in business or first.
-Maximum rebate of 1M points per calendar year.
|Elite status||Hilton and Marriott Gold for primary and secondary cardholders||Hilton and Marriott Gold for primary and secondary cardholders|
|Centurion lounge access||Primary or secondary cardholder plus 2 guests||Primary or secondary cardholder plus 2 guests|
|Priority Pass membership||Primary or secondary cardholder plus 2 guests||Primary or secondary cardholder plus 2 guests|
|Airspace lounge access||Primary or secondary cardholder plus 2 guests||Primary or secondary cardholder plus 2 guests|
|Escape lounge access||Primary or secondary cardholder plus 2 guests||Primary or secondary cardholder plus 2 guests|
|Delta SkyClub access||Primary 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 cardholder||Once 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 Warranty||Doubles 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.|
|-4 hour late return fee-free grace period at Hertz.
|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|
|Counts against your Chase 5/24 count||Yes||No|
|Foreign transaction fee||None||None|
What is your favorite AMEX Platinum perk?