🇨🇦 Amex Platinum/Business Platinum

亮点简述

发卡银行： Amex Canada
结算通道： Amex
卡片种类：签帐卡（CHARGE CARD)

累积的是 Amex MR 积分。 积分使用灵活，价值高

AMEX 白金卡是传说中的百夫长黑金卡敲门砖

开卡奖励

通过推荐申请的小伙伴可额外获得10,000 MR 积分（共100，000 MR 积分）

日常消费

福利 & 保险

个人白金卡与商业白金卡在以下福利待遇上基本相同

酒店特权 Fine Hotel and Resort

FHR是AMEX为黑金卡，白金卡持有者制定的酒店预定项目，通过AMEX TRAVEL预定，价格通常与酒店官网一致，但可额外附送以下权益：

• 入住时视情况给予房型升级（1级）
• 双人早餐
• 12PM入住（视房间情况）
• 4PM 延迟退房
• 每家酒店不同的特定赠品&福利（具体福利需致电Platinum Travel Services

机场休息室权益

全球140个国家超过1300个机场的休息室使用权（除卡主外可免费带一个客人）包括如下全球休息室计划

Plaza Premium Lounges

Priority Pass

The Centurion^® Lounge

Delta Sky Club （乘坐Delta航班时）

多伦多Pearson机场特权

Priority Security Lane 快速安检

免费Valet Service

Parking fee 15%折扣

酒店会籍

个人白金卡提供万豪，希尔顿，Raddison 金卡会籍

商业白金卡提供万豪，希尔顿金卡会籍（AMEX官网只写万豪金卡会籍，但是麻辣的商业白在AMEX的邮件里提到有希尔顿的金卡会籍）

酒店会籍与租车会员需要通过这个链接Enroll

旅行权益保险

省外医疗保险，65岁以下，上限15天500万（Emergency Medical Insurance – Out of province/country）

Can provide coverage of up to a maximum of $5,000,000 for eligible emergency medical expenses incurred by an insured person under age 65 while travelling outside your Canadian province or territory of residence for the first 15 consecutive days of a covered trip.

旅行中断保险（Trip Interruption Insurance）

You can be reimbursed for the non-refundable and non-transferable portion of your travel arrangements when charged to your Platinum Card before your departure date should you cancel your trip for a covered reason. You can be covered for up to $2,500 per insured person, per trip, up to a maximum of $5,000 for all insured persons combined.

旅行取消保险（Trip Cancellation Insurance）

When you charge your travel arrangements to your Platinum Card, this insurance can cover the non-refundable and non-transferable unused portion of your travel arrangements purchased before your departure date, should your trip be interrupted or delayed for a covered reason. You can be covered for up to $2,500 per insured person, per trip, up to a maximum of $6,000 for all insured persons combined.

租车保险（Car Rental Theft and Damage Insurance）

You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your Platinum Card. To take advantage of this protection, simply decline the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or similar option offered by the car rental agency.

行李遗失失窃保险（Lost or Stolen Baggage Insurance）

You can receive up to $1,000 in coverage (aggregate maximum with Flight Delay Insurance), for reasonable and necessary emergency purchases for essential clothing and sundry items purchased within four days of arrival at your destination when your checked-in baggage on your outbound trip is delayed for 6 hours or more when you fully charge your airline ticket to your Platinum Card.

酒店失窃保险（Hotel Burglary Insurance）

You can receive up to $1,000 in coverage against the loss of most personal items (excluding cash) if your accommodation is burglarized when you fully charge your accommodations to your Platinum Card.

航班延误险+行李延误险，上限$1000（Flight Delay Insurance）

You can receive up to $1,000 in coverage (aggregate maximum with Baggage Delay Insurance) for necessary and reasonable accommodations, restaurant expenses and sundry items purchased within 48 hours when delayed or denied boarding for 4 hours or more and no alternate transportation is made available when you fully charge your airline ticket to your Platinum Card.

50万公共交通意外险（$500,000 Travel Accident Insurance）

You can be covered up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Platinum Card.

购物保险

Purchase Protection, 损坏/失窃保险（上限$1,000)

Buyers Assurance Protection 自动延长原有保修1年

其中Purchase Protection, 个人白金卡在购买日起120天内有效，商业白金为购买日起90天内有效

Buyers Assurance Protection 个人白金无明确限制，商业白金为每样物品维修，保修上限为$10,000;每年不超过$25,000

总结

Amex 白金卡是一张可以做到为持卡者提供全方位保障的卡片。根据麻辣的经验，如果每年固定出行3次或未来1年内有大量出行需求，可以考虑拥有此卡。

个人白金与商业白金对比，年费多$200, 提供额外的$200 旅行返点+每4年$100的Nexus Card 账单返点。

如果日常餐饮，旅行消费较多的小伙伴可考虑个人白金卡，而其他购物消费较多的朋友选择商业白金卡（1.25倍积分）也许是更划算的选择。（个人也可以申请商业白金卡，无需公司）

除以上推荐链接外，麻辣这里有专属Amex客户经理可以为想申卡的小伙伴开启开卡挑战，开卡3个月内消费$10,000获120,000 MR 积分或3开卡3个月内消费$75,000 获200,000 MR积分 (2选1）想做开卡挑战的小伙伴请联系麻辣开启挑战资格。