🇺🇸 Amex The Business Platinum Card 【新增$200 Hilton 报销】

【2024.12 更新】新增 $200 statement credit: Hilton

每个季度 $50 希尔顿消费返还。正向变动。

亮点

• 高年费，高回报； 用好各种报销，负年费

• 积分购买机票，保证 MR 积分底价

• 旅行相关福利、保险 非常不错

发卡银行： Amex US
结算通道： Amex
卡片种类：记账卡
年费： $695
无境外手续费

此卡消费返利是 MR （membership rewards points），可转很多航空伙伴：使用灵活，积分价值较高

🇺🇸 美国信用卡积分转航空里程、酒店积分总结

开卡奖励

目前官网开卡奖励是 15 万 MR 积分

• 前 3 个月消费 $20,000 美元

申请链接 （往下查找商业白金卡）

日常消费

5x：通过航空公司官网 或者 Amex Travel 预定机票

5x：在 Amex Travel 预定预付酒店住宿

1.5x：以下几种情况的消费， 上限每年 200 万美元

• U.S. construction material and hardware suppliers
• U.S. electronic goods retailers and software & cloud system providers
• U.S. shipping providers
• eligible purchases of $5,000 or more （单笔 5000 美元以上）

1x：其他

福利 & 保险

• 积分购买头等、商务机票，或者选定航司经济舱，可获得 35% 返还

每年上限 1 百万点； 这就保证 MR 积分 1.54 cpp 的底价

• $200 statement credit：Airline Fee

每日历年报销 $200 航空费用

United TravelBank 须知

• $120 statement credit：wireless telephone service

每月 $10 的手机话费返还。需提前注册此福利

• $400 statement credit： Dell

上、下半年各 $200 的 Dell 消费返还。 需提前注册此福利

• $360 statement credit：Indeed

每个季度 $90 的 Indeed 消费返还。需提前注册此福利

• $150 statement credit：Adobe

Enroll and get up to $150 in statement credits for eligible annual prepaid business plan purchases of Adobe Creative Cloud for teams or Adobe Acrobat Pro for teams on the Business Platinum Card

• $199 statement credit：CLEAR Plus

每日历年报销 $199 CLEAR Plus 费用

⚠️ 使用此卡支付 Global Entry or TSA PreCheck 同样有一定的费用返还

• $360 statement credit：Indeed

每个季度 $90 的 Indeed 消费返还。需提前注册此福利

• The Global Lounge Collection 机场休息室权益

满血白金副卡也有相同的不限次数的休息室权益， 包括： The Centurion Lounge, Priority Pass Select, Plaza Premium lounges, Escape Lounges, Delta Sky Club. 

美版运通白金卡查找机场休息室的网页, Find lounges of American Express Global Lounge Collection Programs & Partners

• Fine Hotels + Resorts Program

运通自营的高端酒店预定通道，福利不错： 免费双早，$100 amenity (有的店可以用在餐馆)，推迟四点退房， 视情况而定的房间升级 和 中午入住

⚠️ 这些福利是 per stay, per room，所以一次定两个房间 都是享受这些福利，但至多三个房间。

• Marriott Bonvoy Gold Elite Status

可链接自己的万豪账号获得万豪金卡

万豪酒店集团常旅客计划：万豪旅享家 Marriott Bonvoy

• Hilton Honors™ Gold Status

可链接自己的希尔顿账号获得希尔顿金卡； 早餐福利 很不错

希尔顿Hilton酒店集团会员计划 —— 希尔顿荣誉客会

• Car Rental Privileges: Avis, Hertz, National

升级为租车公司高级会籍： Avis Preferred, Hertz Gold Plus Rewards, National Car Rental Emerald Club

• Global Dining Access by Resy

Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.

旅行相关保险

• Trip Delay Insurance

此卡全额支付往返费用；晚点 6 个小时，报销 $500； 每 12 个月报最多两次

• Trip Cancellation and Interruption Insurance

此卡全额支付往返费用；报销 $10,000 每次； 每 12 个月最多 $20,000

• Car Rental Loss and Damage Insurance

covered for Damage to or Theft of a Rental Vehicle in a Covered Territory； 需要使用此卡全额支付

• Baggage Insurance Plan

需使用此卡支付全额费用。Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

购物相关保险

• Cell Phone Protection

You can be reimbursed for your cost to repair or replace your damaged or stolen cell phone, including a cracked screen, for a maximum of up to $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim. 

• Purchase Protection

Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date. 

Up to $10,000 per occurrence, $50,000 per calendar year.

• Extended Warranty

Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer’s Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Coverage limited to the actual amount charged on your Card for the item up to $10,000 per item and $50,000 per calendar year.