If you know me, you know I’m all about maximizing value. Whether it’s wellness routines, travel perks, or financial strategy. One tool that consistently works hard behind the scenes of my lifestyle is the American Express Platinum Card. Yes, it has a steep annual fee ($695 as of this writing), but here’s the truth: I easily make that money back and then some, every single year. And that’s exactly why I love my Amex Platinum and how it pays me back in perks is nothing short of impressive.

Let me break down how I turn this card into a money-making, lifestyle-enhancing machine:

1. Luxury Hotel Stays with All the Perks

I’m loyal to the Fine Hotels + Resorts (FHR) program. When I book through Amex Travel, I get:

• Guaranteed 4PM late checkout (a must for moms, couples, or anyone who wants to enjoy every last drop of their stay)

• Complimentary room upgrades

• Daily breakfast credits (often worth $60–$120 depending on the property)

• A unique $100 experience credit (often used for dining, spa, or other amenities)

These perks alone easily save me hundreds of dollars per trip, especially at luxury properties like the Rosewood Miramar, Ritz-Carlton, or Waldorf Astoria. It’s one of the core reasons why I love my Amex Platinum – and how it pays me back in perks when I travel.

2. Redeeming Points for Hotel Stays

While some people use their Amex points for flights, I personally love redeeming mine for luxury hotel stays through Amex Travel. The points-to-dollar conversion works out beautifully—especially when you catch promotional rates and it feels like the ultimate reward: free luxury.

This is another moment where you’ll see why I love my Amex Platinum – and how it pays me back in perks that make travel unforgettable.

3. The Welcome Bonus

The welcome offer when you first sign up can be worth over $1,000 in travel credit, depending on the current promotion. That alone can offset the first year’s fee and it’s another prime example of how this card pays dividends from day one.

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4. Statement Credits That Add Up

Here’s where the math really makes sense. The card includes:

• $240 in digital entertainment credits (for platforms like Hulu, Disney+, or the NY Times)

• $200 Uber Cash (for rides or Uber Eats)

• $200 airline incidental fee credit

• $200 in hotel credits (for select properties)

• $100 in Saks Fifth Avenue credits

• $189 CLEAR® Plus credit

• $100 Global Entry or TSA PreCheck credit

These are real, tangible savings that I actually use. It’s not just fluff, this is why I love my Amex Platinum. And how it pays me back in perks that make everyday life smoother and more enjoyable.

5. Airport Lounge Access = Money Saved and Sanity Preserved

With access to Amex Centurion Lounges, Priority Pass lounges, and Delta SkyClubs (when flying Delta), I save money on overpriced airport meals and get to unwind with snacks, drinks, Wi-Fi, and comfy seating, sometimes even a quick shower or spa service.

Trust me, if you’ve ever had a toddler meltdown before boarding, you’ll understand why I love my Amex Platinum – and how it pays me back in perks like lounge access that preserve both budget and sanity.

Bottom Line

Yes, the annual fee is steep. But when you know how to use the card the right way, it more than pays for itself. From luxury hotel perks to everyday credits and stress-free travel days, the Amex Platinum is a non-negotiable in my wallet.

I’ve helped friends, family, and clients sign up, because Why I Love My Amex Platinum – And How It Pays Me Back in Perks isn’t just a blog title, it’s my real-life experience. If you're ready to elevate your everyday and make the most of your money, I highly recommend applying.

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Use it and we could both earn rewards if you are approved and get a Card. Check out offers and Card benefits.
(I may receive a bonus if you sign up through my link, at no extra cost to you!)

Let me know if you have questions or want help getting the most from the card. I’m happy to share tips and help you see firsthand why I love my Amex Platinum – and how it pays me back in perks.