Card Benefits Checklist
American Express Platinum: Are You Using All $3,714 in Credits?
This card packs 13 separate credits and perks worth $3,714 a year combined — most cardholders use less than half. Check off what you're already using below.
Annual fee: $895
Earns: 5x flights booked direct/Amex Travel, 5x prepaid hotels Amex Travel, 1x else
The Full Checklist
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Centurion Lounge + Priority Pass (unlimited) Unlimited lounge access worldwide
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$600 Hotel Credit (FHR + Hotel Collection) $200 FHR + $400 Hotel Collection credits⚡ The hack FHR and Hotel Collection rates are typically at rate parity with booking the hotel directly, so there’s usually no price penalty for booking through Amex. That means the property…Read the full strategy: Hotel Portal Credits: How to Use Them Without Losing Your Loyalty Points →
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$400 Resy Dining Credit ($100/qtr) $100/quarter at U.S. Resy restaurantsRead the full strategy: Dining Credits Decoded: The Resy POS Trick and Stacking Rakuten on Top →
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$300 Digital Entertainment Credit ($25/mo) $25/mo for Disney+, Hulu, ESPN+, Peacock, NYT, YouTube Premium, YouTube TV, WSJ, Paramount+Read the full strategy: Streaming Credits: Digital Entertainment, Disney Bundle & the Walmart+ Loophole →
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$300 Equinox Credit ($25/mo) $25/mo toward Equinox gym membershipRead the full strategy: Fitness & Wellness Credits: The Cheapest Way to Actually Use Peloton, Equinox, and Oura →
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$300 lululemon Credit ($75/qtr) $75/quarter at U.S. lululemon stores/lululemon.com (excl. outlets)
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$209 CLEAR Plus Credit Up to $209/yr for CLEAR Plus membershipRead the full strategy: CLEAR, Priority Pass & Lounge Credits: Getting Through the Airport Faster →
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$200 Airline Fee Credit $200/yr for incidental fees on 1 airline⚡ The hack Don’t default to the airline you fly most — if you already have elite status or a co-branded card that waives bag and seat fees with them, there’s nothing left to reimburse. Pick…Read the full strategy: Airline Fee Credits: How to Pick the Right Airline (and Not Waste $200) →
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$200 Uber Cash ($15/mo + $35 Dec) $15/mo + $35 in December⚡ The hack Works beyond rides and delivery — in cities with Uber Grocery (Miami, Dallas, NYC and others), Uber Cash covers grocery orders too. On regular Uber Eats orders, choosing pickup…
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$200 Oura Ring Credit Up to $200/calendar yr for Oura Ring purchase at Ouraring.comRead the full strategy: Fitness & Wellness Credits: The Cheapest Way to Actually Use Peloton, Equinox, and Oura →
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$155 Walmart+ Credit ($12.95/mo) Covers Walmart+ membership cost⚡ The hack This covers more than Walmart+ itself — an active Walmart+ membership also includes a free Paramount+ Essential (or Peacock Premium) subscription at no extra cost, worth roughly…Read the full strategy: Streaming Credits: Digital Entertainment, Disney Bundle & the Walmart+ Loophole →
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$120 Uber One Credit (annual membership) Up to $120/yr for auto-renewing Uber One membershipRead the full strategy: Streaming Credits: Digital Entertainment, Disney Bundle & the Walmart+ Loophole →
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Global Entry / TSA PreCheck Credit $120 every 4 yrs⚡ The hack Each Additional (authorized user) Platinum Card gets its own separate credit — it isn’t shared with the primary account. Adding a card for a spouse or family member and having…Read the full strategy: Global Entry / TSA PreCheck Credits: The NEXUS Swap and the Renewal Loophole →
Stop tracking this by hand
The Uncouch Potato tracks every credit above automatically — reminds you before anything expires, and shows exactly how much of your $3,714 you've actually used this year.
Track my American Express Platinum benefits — free →