| | Rewards Gold Card | Platinum Card | Centurion Card |
| Annual Fee | $150 Up to 5 Additional Gold Cards for no annual fee. Each card after that if $35. | $395 $450 as of 5/1/07 $175 fee for up to 3 additional Platinum Cards $45 for up to 5 additional Gold Cards | $2500 (as of 5/1/07 $5,000 initiation fee) $250,000 spending requirement to qualify $1500 per additional Centurion Card $175 fee for up to 3 additional Platinum Cards $45 for up to 5 additional Gold Cards |
| Foreign Currency Fees | None | 2.7% on Every Transaction not in US Dollars | 2.7% on Every Transaction not in US Dollars |
| Travel Service | AMEX Travel Website / ServiceNo Special Gold Service | PTS | Same + a personal travel consultant, with direct extension to call |
| International Airline Program | N/A | 2-4-1 full-fare business or first class international ticket | Same as Plat |
| Airport Club Access | N/A | Continental President’s Club, Delta Crown Room Club, Northwest Airlines Worldclub, American Airlines | Same as Plat + Virgin Clubhouses + Virgin Atlantic Revival’s Lounge + more than 500 additional clubs around the world (Priority Pass) |
| Private Jet Services Program | N/A | Membership or fractional jet ownership option. Atlantic aviation flight servicesBombardier flexjetBombardier skyjetDelta air elite business jetsLes bas internationalSentinent jet membership | Same as Plat + an exclusive extra Centurion benefit, whichever one you choose, + service credit of between 3-4% |
| FHR Program | N/A | Over 500 hotels worldwide-room upgrade at check-in-continental breakfast for 2 each day-guaranteed 4pm late checkout-additional amenity | Same as Plat + Special amenity or free night at Amanresorts, Mandarin Oriental, Orient Express, Ritz Carlton, and Penninsula hotels |
| Premium Car Rental Programs | N/A | Hertz #1 Gold ClubAvis Preferred SelectNational Emerald Club | Hertz #1 Gold Club plus 4 hour grace period, Midsize to Premium upgrade, free child seats, guaranteed availability from reservation lineAvis President’s Club (2 car class upgrade, guaranteed availability even for walk-ups) |
| Cruise Privileges | N/A | - $300 dollar stateroom credit or two-category state room upgrade- special amenity | $500 credit + special centurion amenity |
| Platinum Destination Vacations | N/A | -receive up to 25,000 points when you book a pre-booked plat vacation | 50,000 points |
| Platinum Villas | N/A | Receive an amenity valued at $500 dollars or more. | $750 |
| International Cell Phone Rental | While traveling overseas, make it even easier to stay in touch with home. Simplify international roaming by renting an international cell phone. Request the YouToMe service and you can forward calls from your US cell phone or give friends and family (in the U.S.) a toll-free number that rings directly on your international cell phone. As a valued American Express® Card member you are entitled to a free call allowance of $20 on rentals of one week or more, plus low daily rental rates and flat-rate calls. Service provided by WorldRoam Limited | You-To-Me Service-Phone Rental $2.99 a day-rent a week or more and receive $25 dollars of free calls / email / data usage- blackberry $15 a day with $0.49 per 10kb-satellite phone $15/day | Free phone rental, up to 60 days |
| The Limousine Program | N/A | Carey Worldwide and Dav El-triple MR points | Same as Plat |
| Elite Hotel Membership | N/A | SPG Gold | Same + Hilton HHonors Gold + Intercontinental/Priority Club Platinum Elite |
| Annual Travel Benefit | $150 | Statement credit of $100 when you book qualifying vacation through PTS (only one per year) | Same as Plat |
| Car Rental Insurance | Same as Plat | -first 30 days of auto rental (no amount given on the site) | Same as Plat |
| Travel Accident Insurance | $250,000 | $500,000 in death and dismemberment | $1,500,000 |
| Baggage Insurance | up to $1,250 for carry-on baggage and up to $500 for checked baggage in excess of Common Carrier liability | $3,000 maximum for carry-on and checked baggage. Of the $3,000 only $2,000 may be for checked baggage. | Same as Plat |
| Event Ticket Protection plan | No Amount Stated by AMEX… Call AMEX if interested. | Up to $2,000 reimbursement if you can’t attend an event due to covered reasons (medical emergency) | Up to $5,000 |
| Premium Global Assist Hotline | Not PremiumThe Global Assist Hotline is a valuable resource whenever you travel-from the planning stages to your safe return. Turn to us for information on visas, weather, necessary inoculations, and more. And once you're 100 miles or more away from home, we can offer help during challenging circumstances:Directing you to English-speaking medical and legal professionalsAssuring your hotel reservations even if you arrive lateGuaranteeing hotel check-in even if you've lost your wallet We can help you with emergency cash access, lost luggage, and more. For assistance, you can visit one of our more than 2,200 American Express Travel Services locations worldwide, call 1-800-327-2177, or visit us online. | Whenever you travel, have peace of mind knowing that you have 24/7 medical, legal, financial, and other emergency assistance while traveling more than 100 miles from home. We can direct you to English-speaking medical and legal professionals and arrange for a transfer to a more appropriate medical facility, even if an air ambulance is required. We can also help you with prescription replacements, emergency hotel check-ins and cash access, lost luggage, and more. New additions to this program include assistance with lost or stolen passports, Card cancellation, and emergency Card replacement | Same as Plat |
| Roadside Assistance | If you have a flat tire or need a tow, you will get help whether you're in your driveway or across the country. This new free service could cost as much as $50 if purchased elsewhere | If you're away from home and the car breaks down, not to worry -- with Roadside assitance you always know help is available around the clock. Whether you need gas, a jumpstart, or just a tow, call Roadside Assitance at 1-800-333-AMEX (2639). Roadside Assitance is a fee-free of your card, worth up to $50. Coverage is only available in the U.S. | Same as Plat |
| Card Concierge | None | PCC | CCC: Includes personal concierge, with direct extension and will work harder for you |
| By Invitation Only | N/A | Yes | Same as Plat, with exclusives |
| Fine Dining Program | N/A | Platinum Dining Reservations | Centurion Dining Reservations |
| Premium Seats and Luxury Suites for sports and concerts | N/A | Yes | Same as Plat |
| Gold Card Events | Yes | Yes | Some Centurion exclusive events |
| Magazine | N/A | Departures | Departures + Black Ink (Centurion’s Exclusive Magazine) |
| Fitness Club | Same as Platinum | Special Amenities when you purchase equinox fitness club membership | Complimentary personal training, spa treatments, guest passes, and Kids’ Club certificates |
| Shopping Partners | N/A | Neiman Marcus, Bergdorf Goodman – Point ProgramsSony Cierge ($1500 value) – VIP Personal Shopping | After hours shopping, crazy perks with Bergdorf, Bulgari, Ermenegildo Zegna, Gucci, Harrods, Harvey Nichols, Neiman Marcus, Sony Cierge ($1500 value) |
| Return Protection | Up to $300 per item (90 days)and $1,000 per year | Up to $300 per item (90 days)and $1,000 per year | Same as Plat |
| Purchase Protection | up to $1,000 per Occurrence, if they are stolen or accidentally damaged up to 90 days from the date of purchase | 90 days if lost, stolen, or accidentally damaged | $10,000 per occurrence up to $50,000 per year |
| Buyer’s Assurance | The Buyer's Assurance Plan extends the terms of the original manufacturer's warranty on covered products, up to one additional year on warranties of five years or less that are eligible in the U.S., when the entire amount has been charged to your Card. | When you purchase covered items and pay for them entirely with your Card, the Buyer's Assurance Plan extends the terms of the original manufacturer's warranty on eligible items for a period of time equal to the original manufacturer's warranty up to one additional year on warranties of five years or less that are eligible in the United States | Up to 3 additional years |
| Fraud Protection Guarantee | Same as Plat | Shop with confidence online and off. Whenever you use your Card for purchases, you won't be responsible for any unauthorized or fraudulent charges. Period. Our secure encryption technology protects your information, but if unauthorized online charges do appear on your Card statement, just notify us at 1-800-525-3355. In most cases, a temporary credit will be given immediately | Same as Plat |
| Membership Rewards | Same as Plat | -waived annual fee-earn rewards when you use automatic bill payment | Same as Plat |
| Spending Limit | Same as Plat | No pre-set spending limit — spend on your own terms
The Platinum Card® affords you optimal purchasing power without a predetermined spending limit, so you can spend on your own terms. Purchases are approved based on a variety of factors, including account history, credit record, and personal resources. If you anticipate an unusually large purchase, you should call Customer Service in advance so that we may note your account appropriately. | Same as Plat |
| Identity Theft Assistance | Same as Plat | Should you suspect that somebody is using your identity online or in stores, American Express has representatives on call, 24/7, to help determine if you are a victim of identity theft, recommend steps for recovery, and offer tips on how to protect yourself in the future | Same as Plat |
| Dispute Resolution | Same as Plat | If you see a charge on your American Express statement that you don't recognize and are unable to come to an agreement with the merchant—we can help. American Express will take responsibility for resolving any disputed charge quickly and fairly. Simply call us any time you wish to initiate an inquiry. | Same as Plat |
| Year-End Summary | Yes | Yes | Same as Plat |
| Travelers Cheques | Yes | Card members can have foreign currency and fee-free American Express Travelers Cheques delivered directly to their home or office in five to seven business days at no extra charge. Next-day delivery is available for an additional charge. Order directly from American Express at 1-800-673-3782, or visit an American Express Travel Service Location near you. | Same as Plat |
| Account Alerts | Yes | Keeping track of your account has never been easier. Sign up for Account Alerts and you can choose to be notified when your payment is due, when irregular account activity is detected, when you are approaching your line of credit/spending limit, and more. Alerts can be sent to your email or wireless device | Same as Plat |
| Emergency Cheque Cashing Privileges | Yes | You can use your Card to cash personal cheques at more than 1,700 American Express Travel Services locations, up to $10,000 per account every 30 days. For each transaction, you may obtain up to $500 in cash and the balance in American Express Travelers Cheques.13 For information, call 800-525-3355. Outside the U.S., call 954-473-2123. | Same as Plat |
| Emergency Card Replacement | Yes | If your Card is lost or stolen, we'll replace it — sometimes in as little as 24 hours. Call American Express or visit one of over 1,700 American Express Travel Services locations worldwide.13 Call 800-525-3355 for assistance. Outside the U.S., call 954-473-2123. | Same as Plat |
| Account Management | Yes | May be done online | Same as Plat |
| Complementary consultation with a senior financial advisor and 7,500 Membership Rewards points | N/A | Through their training, expertise and advanced certification, senior advisors at Ameriprise have earned their distinction. In fact, fewer than one in five advisors have earned senior status. Allow a senior Financial Advisor to help you achieve your personal goals. | Same as Plat |
| Domestic Companion Airfare Program | N/A | With the Domestic Companion Airfare Program, you can bring a companion with you on U.S. flights—anywhere in the U.S., on six major U.S. carriers. Purchase domestic coach airfare for yourself from $299 with your Centurion Card and your companion receives complimentary airfare. You can request up to four complimentary companion airfares per year. An exciting addition to your existing International Airline Program, the new Domestic Companion Airfare Program now makes it possible to travel throughout the U.S. together.
AS OF 11/15/08 THIS BENEFIT HAS BEEN DISCONTINUED | Same as Plat
AS OF 11/15/08 THIS BENEFIT HAS BEEN DISCONTINUED |
| Relais & Châteaux Club 5C | N/A | N/A | Free enrollment: Amenities at check-in to participating hotels, free amenities at participating restaurants, including behind the scenes tours of kitchens, wine tasting, etc. |
| Tour GCX Membership | N/A | Enjoy the privileges of a private golf membership — one round at a time. With TOUR GCX, you and your guests can hit the greens at your choice of more than 30 participating private golf clubs. Platinum Card members can purchase a 5-Tee Unit TOUR Card for $3,125, and receive a $150 | Same as Plat |
| Private Yacht Program | N/A | A customized amenity tailored to your itinerary, valued at $500 or more A sample of possible amenities: a private helicopter ride over the Costa Rican rainforest, a sailing regatta in St. Maarten, golfing in the Caribbean at St. Kitts Royalty Golf Club, dinner at Le Ti St. Barth in the French Antilles, seats at a Greek Tragedy in Taomina, Sicily | Our new partner, Fraser Yachts Worldwide, provides you with the ultimate in luxury and comfort—a travel experience designed with only you in mind. As always, Centurion members receive additional amenities to make your experience even more heavenly. Enjoy a customized amenity tailored to your itinerary valued at $750 or more. Choose a motor yacht, sailing yacht, or mega-yacht and sail around the world including the Bahamas and the Caribbean, Eastern and Western Mediterranean, the Indian Ocean, or the South Pacific. |
| Airline Elite Status | N/A | N/A | Continental One Pass Elite Gold, Delta Gold, USAir 2nd level status, Virgin Atlantic top tier elite status |
| Centurion exclusive resorts | N/A | N/A | As a Centurion member receive special benefits with Exclusive Resorts - the ultimate private luxury residence club. Members have access to hundreds of exquisite residences at over 25 destinations around the world. Choose the location, your length of stay, and the style of residence - staffed to your requirements. |
| Space Adventures' Spaceflight Club | N/A | N/A | As a Centurion member, receive complimentary membership with Space Adventures, the world's premier space tourism company. The Spaceflight Club, an elite community of space explorers and enthusiasts, offers invitations to exclusive space-related events, private tours of launch facilities, advance notice of limited availability activities, and more. In addition, members receive an annual credit towards the payment of a suborbital flight reservation. |
