American Express credit cards are known for providing exceptional customer service. Statistics prove that. The publisher has achieved top position in his fifth year JD Power’s 2024 US Credit Card Satisfaction Surveyranking the opinions of 38,852 credit card customers from June 2023 to June 2024.
And the American Express American Express Blue Cash Preferred® CardMany consumers are properly obsessed with cards that earn points in the American Express Membership Rewards program. After all, these flexible points offer multiple redemption options, including gift cards, merchandise, Amex Travel travel, and even point transfers. Amex Airline and Hotel Partners.
That said, some American Express credit cards offer even more benefits you may not know. This is a summary of 11 incredible Amex perks that you can qualify for using the right credit card from this issuer.
1. Mobile phone range
Some AMEX credit cards provide cell phone protection that is applied when using your card to pay your phone bill each month. Cards that provide this coverage include the following options:
Regardless of the Amex card that offers this advantage, this protection is suitable for the exchange value of your phone, or up to $800 (deductible deductible application of $50). Additionally, cardholders are limited to just two bills per 12 months period.
2. Free shipping
Some AMEX Credit Card It also comes with a free ShopRunner membership that offers cardholders free of charge at eligible retailers with two days of shipping. Members signing up for this profit are also eligible for a free return on eligible items.
Eligible stores include Bloomingdale, Macy’s, Sephora and more. In total, purchases in thousands of stores and brands can qualify for this profit.
3. Benefits for Foodies
Amex offers foodies some benefits, although not all cards qualify. For example, the restaurant’s platform called Resy gives eligible Amex cardholders access to exclusive reservations and special dining experiences. This advantage is provided by Amex cards: Delta Skymiles® Reserve American Express CardAmex Platinum and The Hilton honors the American Express Aspire Card*. Delta Skymiles Resirce offers a statement credit of up to $240 per year upon purchases of Resy made with a registered card.
Other foodie benefits you can qualify for are:
- Uber Eats Credits: Amex Platinum and American Express® Gold Cardoffers monthly credits that apply to both Uber Rides and Uber Eats.
- Food credits: Amex Gold offers up to $120 meal credits (up to $10 per month) when Grubhub, Cheesecake Factory, Goldbelly, Wine.com and five guys register their cards. You can also use Amex Gold to earn up to $84 credits (up to $7 per month) for your Dunkin’ purchase each year.
4. Consumer protection
It can be difficult to provide robust consumer protection with credit cards, so being able to use them with Amex cards is a big win. Some of the protections that Amex cards offer include:
- Extended warranty: Some American Express credit cards come with an extended warranty that provides additional warranty coverage for items that already come with a manufacturer’s warranty. For example, if the manufacturer’s warranty lasts for three years, Amex may offer additional year’s warranty protection on top of it.
- Purchase Protection: Some cards also offer purchase protection against damage or theft, allowing the cardholder to be refunded up to a certain amount for covered purchases made within the set time frame. Cards that offer variations of this coverage include the Amex Gold Card, American Express Green Card*, and Platinum Delta Skymiles® Business Credit Card.
- Return protection: Return Protection Guarantee You can return an item within a certain period of time that the retailer will not regain it. For example, the return protection provided with Blue Cash Preferred Refunds items (up to $300) is provided if the merchant does not retrieve them within 90 days of purchase (up to $1,000 per calendar year applies).
5. Travel Benefits
Some Amex credit cards offer a variety of travel-related benefits, although not all of them, and can make your trip more comfortable or luxurious. These benefits include:
- Airline incidental credits: AMEX Platinum and American Express Business Platinum Card Both offer airline contingent credits of up to $200 a year for purchases such as seat upgrades, checked baggage and in-flight WiFi access. This benefit only applies to airlines eligible for pre-selection by cardholders.
- Access to the airport lounge: Global Lounge Collection By offering it through a Premium Amex Travel credit card, members have access to over 1,400 airport lounges, including the Prince Pass Airport Lounges, Amex Centurion Lounges, and even the Delta Sky Club when cardholders fly with the airline.
- Clear your membership credits: Some AMEX credit cards offer fee credits to cover membership in the Clear Security program. The Amex Platinum, Amex Business Platinum, Hilton Honors American Express Aspire Card and Amex Green Card offer this advantage.
- Cruise Privilege Program: Amex Platinum offers access to the Cruise Privileges program, which offers members $100-$300 credits, as well as exclusive amenities when booking cruises through the program.
- Elite Hotel Status: Amex Platinum and Amex Business Platinum give automatic gold status to cardholders within the Hilton Honors and Marriott Bonvoy programs.
- Global Entry or TSA Precheck Membership Fee Credit: Some AMEX credit cards offer fee credits that apply to your Global Entry or membership within TSA Precheck.
- Global Assist: This hotline allows eligible Amex cardholders to access medical and legal referrals, translation assistance and more when traveling far from their homes.
6. Travel protection
Like many others Travel credit cardsAmex eligible cards may offer travel insurance benefits to cardholders. Some of the most common travel insurance benefits available with Amex cards include:
- Baggage insurance plans: This coverage helps you get a refund if your bag is lost or stolen while caring for a typical carrier like airlines and cruise lines. The amount of coverage varies from card to card, and you will need to charge the card the cost of travel along with a common carrier to apply protection.
- Secondary car rental coverage: Some AMEX cards also offer secondary car rental coverage that can be applied after taking advantage of major insurance contract restrictions. That being said, you can also buy it Premium Auto Rental Coverage via AMEX Same thing.
- Travel delay coverage:This compensation from the Amex card can refund any costs that arise when the trip is long enough, usually 6 or 12 hours late. That said, coverage amount and terms depend on the Amex card you have.
- Travel cancellation and interruption insurance: This insurance coverage will help you to refund some or all of your prepaid, non-refundable travel expenses if you need to cancel or suspend your trip due to a travel party, bad weather, terrorist event, or another subject matter illness or injury. The amount of coverage varies depending on the type of card.
7. Statement Credit Offer
These offers usually work like coupons and can provide great value to cardholders who can use them. The Platinum Card from American Express and the Business Platinum Card from American Express have the largest credit offer for all AMEX credit cards.
8. Access to AMEX offers
Amex Offer This program applies to all credit cards from this issuer and is extremely easy to use. Essentially, Amex offers cardholders to earn bonus points and cashback for qualifying purchases. In some cases, minimum spending requirements and other fine printing apply.
Here are some examples of Amex offers available at the time of writing:
- Levy: Spend over $150 and get back $30.
- Max: Spend over $99 and get back $25.
- Paramount+: Spend over $12.99 and return $12.99 up to three times.
- peacock: Spend over $7.99 and get back $7.99 a month for up to 3 months.
9. Concierge service
Premium Amex credit cards come with a complimentary concierge service, available around the clock. The service is useful for cardholders with a variety of requests, from booking dinners to getting tickets to concerts and events.
Bankrate credit card expert and author Benét Wilson discovered how convenient the service is when he remodeled the kitchen of a family home during the Covid-19 pandemic.
10. AMEX pays it and plan it
amex pays it and plan it Buy it now. It is to pay the Pay Later (BNPL) option after which credit card customers can pay for their purchases in a more intentional way. Once you pay, users can automatically repay small purchases under $100 via the Amex app. The plan, meanwhile, allows members to create payment plans for purchases over $100. It only includes fixed plan fees per month without fixed payments and interest.
11. AMEXSEND & SPLIT
Amex Send & Split allows consumers to send and buy money via the American Express app using Amex personal cards. This works in collaboration with users who use Venmo and PayPal.
The “send” component of this program allows you to send money to Venmo and PayPal users using credit cards and apps, but the “split” function allows you to split up pending purchases or posts with Venmo or PayPal users (such as the dinner tab) before being refunded to your card with a statement credit.
Conclusion
If you didn’t know that American Express cards have so many advantages, you’re definitely not alone. After all, many of the cardholders these cards offer are not promoted to almost as much as the rewards you can earn.
In any case, these Amex Perks can make your issuer’s card products more valuable, but only if you use them. Compare cards, read all the perks and features, and try to find the right one that suits your needs.
*Information about Hilton’s Honor American Express Aspire Cards American Express Green Card® Collected independently by bank rates. Card details have not been reviewed or approved by the issuer.
