Amex Platinum

What the Amex Platinum's annual fee is actually priced against, roughly how much of that credit stack cardholders typically redeem, and what a full year of carrying the card tends to teach about lounge access and the welcome bonus.

• Is Amex Platinum worth it? Worth it only if you'll use the credits.
• How much do you have to spend and use the credits to come out ahead on the Amex Platinum? You need to use about $1,500 of credits to break even.
• What do Amex Platinum cardholders wish they'd known before applying? The credits are work, not free money.
• Does Amex Platinum cover rental car insurance? Yes, secondary coverage, unless you use the Amex car rental loss and damage insurance
• How much is the Amex Platinum annual fee? $695, unless Amex raised it recently.

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