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kardfolio

Credits by reset window

Open a row for its terms. Each amount is the most the credit is worth in one period.

Monthly

1 credit

Wireless Credit$10 a month

Phone service bought directly from a US wireless provider with the card, not hardware or resellers; enroll first.

Quarterly

2 credits

Hilton Statement Credit$50 a quarter

Purchases made directly with Hilton with the card, not gift cards; enroll first, which needs Hilton Honors and Hilton for Business accounts.

Indeed Credit$90 a quarter

Purchases with Indeed charged to the card; enroll first.

Twice a year

1 credit

Hotel Credit$300 each half

Prepaid Fine Hotels + Resorts or The Hotel Collection bookings made through Amex Travel with the card.

Yearly

8 credits

Airline Fee Credit$200 a year

Incidental fees, such as checked bags and in-flight refreshments, charged by the one qualifying airline you select.

CLEAR+ Credit$219 a year

Covers a CLEAR+ membership when you pay for it with the card.

Dell Technologies Credit$150 a year

US purchases made directly with Dell Technologies with the card; enroll first.

Dell Technologies Additional Credit$1,000 a year

Applies after $5,000 of US purchases directly with Dell Technologies in a calendar year, as a further statement credit; one Dell enrollment covers both.

Adobe Credit$250 a year

Applies after $600 of US purchases directly with Adobe in a calendar year, as a statement credit; enroll first.

ChatGPT Business Credit$300 a year

US purchases of ChatGPT Business subscriptions charged to the card; enroll first.

Amex Travel Online Flight Statement Credit$1,200 a year

Available after $250,000 of eligible purchases in a calendar year, for flights booked on AmexTravel.com or the Amex Travel app the next year.

American Express One AP Statement Credit$2,400 a year

Available after $250,000 of eligible purchases in a calendar year, for One AP monthly fees billed to the card the next year.

Every 4 years

1 credit · after each use

Global Entry or TSA PreCheck Credit$120 every 4 years

Covers the Global Entry or TSA PreCheck application fee when you pay it with the card; apply for TSA PreCheck through an official enrollment provider.

$6,999 a year, before anything is used.

Counts the credits with a yearly dollar amount.

$6,999 a year in calendar-reset credits, on 4 clocks.

Credits with calendar reset dates. Each ring is a day a credit ends, whether or not it was used.

  • MonthlyWireless Credit
    $10 every month
  • QuarterlyHilton Statement Credit, Indeed Credit
    $140 every quarter
  • Twice a yearHotel Credit
    $300 twice a year
  • YearlyAirline Fee Credit, CLEAR+ Credit and 6 more
    $5,719 once a year

2026 amounts from the kardfolio catalog, before anything is used.

How this card earns

  1. 5 points per dollar:
    FlightsAmex Travel
    Scheduled flights booked online at AmexTravel.com or in the Amex Travel App.
    HotelsAmex Travel
    Prepaid hotels booked through American Express Travel by phone, on AmexTravel.com or in the Amex Travel App.
    Vacation rentalsAmex Travel
    Prepaid short-term rentals booked online at AmexTravel.com.
  2. 2 points per dollar:
    Home improvement stores
    U.S. construction material and hardware suppliers.
    Electronics and software
    U.S. electronic goods retailers and software and cloud system providers.
    Shipping
    U.S. shipping providers.
    Purchases of $5,000 or more
    Eligible purchases of $5,000 or more; a purchase that also fits another 2X category still earns 2X only once.On the first $2,000,000 spent each year.
    CruisesAmex Travel
    New cruise bookings charged to the card through AmexTravel.com or by calling the number on the back of the card.
    Vacation packagesAmex Travel
    PDV by phone with participating suppliers. Enroll in Membership Rewards, pay with this card and travel; separate airfare and supplier-direct payments excluded.
  3. 1 points per dollar:

    Everything else

Protections and other benefits

32 benefits
  • Global Lounge CollectionAccess to Centurion and Sidecar, Escape and Plaza Premium lounges, Priority Pass lounges after enrolling, and Delta Sky Club visits on Delta flights.
  • Centurion Lounge Complimentary Guest AccessSpend $75,000 in a calendar year to bring 2 guests free per visit to Centurion Lounges; otherwise $50 per adult and $30 ages 2 to 17.
  • Delta Sky Club Access10 Delta Sky Club visits a year on eligible Delta flights, or unlimited visits after $75,000 of eligible purchases in a calendar year.
  • Fine Hotels + ResortsDaily breakfast for two, a $100 property credit and guaranteed 4 PM checkout on stays booked through Amex Travel.
  • The Hotel CollectionA $100 credit toward eligible charges, plus noon check-in, 4 PM checkout and a room upgrade when available, on 2+ night stays booked through Amex Travel.
  • Marriott Bonvoy Gold Elite StatusComplimentary Marriott Bonvoy Gold Elite status after enrolling, with no stay requirements.
  • Hilton Honors Gold StatusComplimentary Hilton Honors Gold status after enrolling.
  • Leaders Club Sterling StatusComplimentary Leaders Club Sterling status at The Leading Hotels of the World after enrolling, with 5 pre-arrival upgrades a year when available.
  • Car Rental PrivilegesComplimentary premium status with Avis, Hertz and National after enrolling through your Amex account.
  • Business Platinum Travel ServiceTravel consultants who plan custom itineraries and give tailored recommendations.
  • Premium Global Assist Hotline24/7 emergency assistance and medical, legal and financial referrals when you are more than 100 miles from home.
  • ConciergeA concierge that can buy event tickets, make dining and other reservations, answer travel questions and handle shopping requests.
  • Lowest Hotel Rates GuaranteeIf a qualifying hotel booked on Amex Travel is found for less online for the same stay, Amex refunds the difference.
  • Platinum Destinations VacationsAdded benefits and 1 extra Membership Rewards point per dollar on vacations booked by phone with participating suppliers.
  • Cruise Privileges ProgramAn on-board credit of $100 to $300 per stateroom and a line-specific amenity on 5+ night cruises booked through Amex Travel.
  • Platinum Member AirfaresReduced fares on select premium international tickets, and some domestic economy tickets, booked through Amex Travel.
  • Insider FaresSelect flights on Amex Travel cost fewer Membership Rewards points when the whole fare is paid with points.
  • 35% Airline Bonus35% of points back when you pay with points for flights on your selected airline through Amex Travel, up to 1,000,000 points back a calendar year.
  • Venue Collection Concessions Statement Credit10% back on food and drink concessions at participating stadiums and arenas, up to $250 a calendar year, after enrolling.
  • Global Dining Access by ResyExclusive reservations, Priority Notify and dining experiences at U.S. Resy restaurants after adding the card to your Resy profile.
  • Platinum Nights by ResyReservations at sought-after Resy restaurants on select nights in select cities.
  • Premium Events CollectionCurated events for Business Platinum members, from sports and fashion to fine dining, art and performances.
  • Amex Special Ticket AccessPresale and reserved tickets to select events.
  • American Express Venue CollectionDedicated entrances or fast lanes at select stadiums and arenas.
  • Trip Delay InsuranceReimburses up to $500 per trip when a round trip paid with the card is delayed over 6 hours; 2 claims per 12 months.
  • Trip Cancellation and Interruption InsuranceReimburses non-refundable trip costs paid with the card, up to $10,000 per trip and $20,000 per 12 months, for covered cancellations or interruptions.
  • Car Rental Loss and Damage InsuranceSecondary coverage for damage or theft of a rental car paid with the card when you decline the CDW; no liability coverage.
  • Baggage Insurance PlanCovers lost, damaged or stolen bags on common carrier trips paid with the card: up to $2,000 checked and $3,000 combined per trip.
  • Purchase ProtectionCovers theft, accidental damage or loss of purchases for 90 days, up to $10,000 per item and $50,000 per calendar year.
  • Extended WarrantyAdds up to one year to manufacturer warranties of 5 years or less on purchases made with the card.
  • Return ProtectionRefunds eligible purchases a seller won't take back within 90 days, up to $300 per item and $1,000 per calendar year.
  • Cell Phone ProtectionCovers a damaged or stolen phone up to $800 per claim, 2 claims per 12 months, $50 deductible, when the card pays your wireless bill.

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kardfolio starts from cards you choose. What you have used this month stays in your account.

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Last checked
October 26, 2026
Foreign transaction fee
None

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced