American Express Makes Major Updates to Card Benefits: Added Travel Protections and Removes Others

With credit issuers like Citi and Barclays rolling back on credit card and travel protections, American Express recently shared that it will add travel protection to their premium cards starting on January 1, 2020.

However, with the added benefits, Amex will drawback on others like extended warranty and purchase protection.

Trip Cancellation and Interruption Insurance

The American Express Platinum was never my go-to card for booking travel since it lacked trip protections compared to other cards like the Chase Sapphire Reserve.

Starting on January 1, the game will change since the Amex Platinum will have trip protections and earn 5x points on direct airfare purchases and flights booked through AmexTravel.com.

What’s covered

To qualify for trip cancellation and interruption insurance, you must book a round-trip flight entirely with the eligible card. If the flight is canceled for a covered reason, you may receive a reimbursement of up to $10,000 per trip, with a maximum of $20,000 per cardmember year.

Covered scenarios include inclement weather, terrorist action, call to jury, and sudden illness or injury.

The benefit will be available on the following premium American Express cards:

Trip Delay

Trip delay protection is broken down into two tiers. Tier One cards are premium cards that have an annual fee of $450+. Tier Two cards are select mid-tier cards that qualify for the benefit.

Tier One

  • $500 in coverage for meals, lodging, personal use items

  • If the trip is delayed by more than 6 hours (covered reason)

    • covers round trip flights if:

      • a round trip ticket is purchased entirely with the eligible card

      • covers taxes/fees on award tickets

      • covers Pay With Points tickets

  • Cards that qualify for Tier One coverage:

Tier Two

  • $300 in coverage for meals, lodging, personal use items

  • If the trip is delayed by more than 12 hours (covered reason)

    • covers round trip flights if:

      • a round trip ticket is purchased entirely with the eligible card

      • covers taxes/fees on award tickets

      • covers Pay With Points tickets

  • Cards that qualify for Tier Two coverage:

    • American Express® Gold Card

    • American Express® Business Gold Card

    • American Express Green Card

    • Platinum Delta SkyMiles® Credit Card from American Express

    • Platinum Delta SkyMiles® Business Credit Card from American Express

Travel Accident Insurance

Beginning on January 1, travel accident insurance is being completely removed from all American Express cards.

Return Protection

Return protection is a benefit that lets you return your purchase to American Express if the merchant refuses to take it back. The benefit is being removed from most cards except for a few premium cards.

The following cards will still have return protection:

Purchase Protection

Purchase protection helps protect your purchases for up to 120 days from the date of purchase if it is stolen or accidentally damaged.

Effective on January 1, the purchase protection will go down from 120 days to 90 days.

Roadside Assistance

Roadside Assistance assistance will be removed across all cards.

Extended Warranty

Starting on January 1, extended warranty protection will go down from 2 years to 1 year of coverage.

No annual fee cards will no longer have the extended warranty benefit.



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