Household cards — Platinum

Amex Platinum · yours

Fee is $895. The money is in the credits, and most of them need a one-time enroll. The $300 you keep missing is the hotel credit, not a generic travel credit.

This window$300 hotel

This month$15 Uber

Still to enrollMarriott Gold

Do this first

Tonight

Connect Uber by card number

$15 / mo

Uber app → Wallet → add Platinum digits. Not Apple Pay. Cash dies at month-end.

Rides and Eats. Toggle Cash on when you ride. For Uber One ($120/yr credit), Platinum pays the membership and Cash is off for that charge only.

Card is in Uber Wallet Uber One set to Platinum, Cash off for the fee

Tonight

Enroll Marriott Bonvoy Gold

Status

Amex app → Rewards & Benefits → Marriott Bonvoy Gold Elite. Not automatic. Takes a few days.

Gold is upgrades and late checkout, not lounge or breakfast. Enroll Hilton Gold and LHW Sterling on the same page.

Marriott Gold enrolled Hilton Gold enrolled LHW Sterling enrolled

This half

Hotel credit · Fine Hotels + Resorts

$300 left

Jul–Dec 2026 window. Prepaid via Amex Travel only. Pay with Platinum.

FHR: 1 night is enough, usually breakfast + $100 property credit + 4pm checkout. The Hotel Collection needs 2 nights. Marriott.com misses it. Do not transfer Membership Rewards to Marriott to “pay” for this.

$300 used this half

Other credits worth catching

Yearly

Airline incidental

$200

Pick one US airline each year. Bags, seats, onboard. Re-select in January.

2026 airline picked

Enroll

Digital entertainment

$25 / mo

Disney+, Hulu, Peacock, Paramount+, YouTube Premium/TV, NYT, WSJ. Direct, no rollover.

Enrolled and a sub is on Platinum

Enroll

Resy

$100 / quarter

US Resy restaurants. Enroll in Benefits. No reservation required.

Resy enrolled

If you already shop

lululemon · Equinox · Oura · Walmart+

$300 / $300 / $200 / ~$155

Only useful if you were going to spend it anyway. lululemon: US stores or site, not outlets. Oura: ouraring.com hardware only. Walmart+: monthly plan on Platinum.

Decided which of these we actually use

Set and forget

CLEAR+ · Global Entry / PreCheck

$219 · up to $120

CLEAR+ yearly. Trusted traveler every 4–5 years. AUs can use the GE/PreCheck credit.

CLEAR+ enrolled or skipped

Lounges

Priority Pass + Centurion + Delta Sky Club

Enroll PP

This is your travel lounge card. Priority Pass must be enrolled. 10 Sky Club visits/year on eligible Delta (unlimited after $75k spend). Lufthansa lounge access ends Oct 1, 2026.

Priority Pass enrolled

Don’t

Don’t transfer Membership Rewards to Marriott. 1:1 looks even and is a bad trade. Don’t hunt for the Saks $100. It’s gone as of July 1, 2026. Don’t put Uber One on Apple Card if you want the Platinum $120 credit.