Every Amex Platinum Credit in 2026, and When Each One Resets

We make OfferBee, an app that tracks statement credits and tells you when they reset, so we have an obvious interest in you finding this page useful. What follows is a transcription job, not a sales pitch: every amount and cycle below was read off American Express's own pages on 2026-09-08 and is quoted as Amex words it.

The Platinum's problem is not that its credits are small. It is that there are so many of them, on so many different clocks, that no one holds the calendar in their head.

Count the reset events. The refreshed card carries eleven recurring credits, and because three of them reset monthly and two reset quarterly, those eleven benefits produce 51 separate earning windows in a single year. Each one opens, runs, and closes with nothing carried forward. Miss a window and the money is not deferred; it is gone.

Here is the whole thing in one table.

Every Platinum credit, 2026

Annual fee: $895 for a Basic Card.

Add the eleven recurring lines and the face value is $2,994 a year against an $895 fee. That number is not a promise. It is the ceiling if you spend the full allowance at the named merchant in every one of the 51 windows, which almost nobody does, and the gap between the ceiling and what you actually capture is the entire subject of this page.

The five clocks, and which credits are on each

Monthly: 36 of the 51 windows. Digital Entertainment ($25), Uber Cash ($15), and Walmart+ ($12.95). These are the ones that leak, because each individual miss is small enough to shrug at. Twelve missed Digital Entertainment months is $300, the whole benefit, lost in $25 increments nobody mourned.

Quarterly: 8 windows. Resy ($100 a quarter) and lululemon ($75 a quarter). These are the awkward ones: large enough that missing one hurts, infrequent enough that no habit forms around them.

Semi-annual: 2 windows. The $600 Hotel Credit, as up to $300 twice. It requires a prepaid Fine Hotels + Resorts or The Hotel Collection booking through Amex Travel, which means it is only capturable if you were going to book a qualifying hotel anyway. Of every line on the card this is the one most likely to expire unused for a reason that is not forgetfulness.

Calendar year: 5 windows. Equinox ($300), CLEAR+ ($219), the Airline Fee Credit ($200), Oura ($200) and Uber One ($120) each reset on January 1.

Four-year: its own thing. Global Entry at $120, or TSA PreCheck at up to $85. Amex's fact sheet describes the TSA PreCheck version as available every 4.5 years; the card page describes it against a five-year membership. Either way, it is not an annual benefit and should not be counted as one.

The distinction that costs people the most money

Your annual fee is not on the same clock as most of your credits.

The Platinum's big credits (airline fees, Equinox, CLEAR+, Oura, Uber One) are stated by Amex as per calendar year. Your $895 fee posts on your cardmember anniversary, which for most people is not January.

So if your fee posts in, say, September, you have already paid for a year of card membership whose calendar-year credits will reset on a date four months away and then again sixteen months away. People reason "I just paid, I have a year to use everything" and lose the airline credit on December 31. The fee year and the credit year are simply different periods that happen to both be twelve months long.

This is not an Amex quirk to be annoyed about; it is stated plainly. It is just stated in a place nobody re-reads once a year.

What Amex does not publish, and how to find it

Here is a real gap worth naming rather than papering over.

For the quarterly and semi-annual credits, Amex's public pages state the cadence but not the boundaries. The card page says the Hotel Credit is "up to $300 back in statement credits semi-annually" and the Resy credit is "up to $100 in statement credits each quarter." Neither page we checked on 2026-09-08 says which dates those halves and quarters begin and end on.

Chase, by contrast, spells its windows out in the card terms: "from January 1 through June 30 and up to $150 from July 1 through December 31", so this is a publisher choice, not an industry convention.

What to do about it: the authoritative answer for your account is in the Benefits section of your Amex account, on the individual benefit's terms. Do not assume calendar quarters because that is what the last blog post you read said. Read your own terms, once, and write the four dates down. It is a ten-minute job that only has to be done once per card.

Interestingly, Amex does publish boundaries elsewhere: the Amex Gold's Resy credit is described as "$50 in statement credits from January through June and up to $50 in statement credits from July through December." So the information exists in Amex's house style. It just is not on the Platinum's public pages.

Enrollment is a silent failure

Five of the eleven recurring credits carry "Enrollment required" on Amex's own page: Resy, Digital Entertainment, lululemon, Equinox, and Oura. The Airline Fee Credit requires you to select a qualifying airline before anything counts. CLEAR+, Uber One and Walmart+ require the underlying subscription be signed up for and paid with the card.

An unenrolled credit does not warn you. You spend $100 at a Resy restaurant, the charge posts normally, and no statement credit appears, and the only way to notice is to have been expecting one. That is a different failure from forgetting to spend, and it is worth checking all seven enrollment states once a year rather than assuming they carried over.

Which version of the card are you on?

American Express announced the refreshed U.S. Consumer Platinum with new and enhanced benefits effective September 18, 2025, listing the $895 annual fee, the new $400 Resy Credit, the new $300 lululemon Credit, the new $200 Oura Ring Credit and the new $120 Uber One Credit, and the Digital Entertainment Credit raised to $25 a month with Paramount+, YouTube Premium and YouTube TV added.

Two things follow. First, an article written before September 2025 describes a genuinely different card, and a fair amount of what is still indexed on the web does. Second, one line has moved even since that announcement: the fact sheet shows a $209 CLEAR+ credit, while the card's live page as of 2026-09-08 says up to $219 per calendar year. That is a $10 change made quietly between two Amex documents in under a year, which is a good argument for reading the current page rather than any summary of it, this one included.

What appears to be gone: the September 2025 fact sheet still listed a $100 Saks Fifth Avenue credit at $50 semi-annually as an existing benefit. It is not on the card's public benefits page as of 2026-09-08. We are describing what the page shows rather than asserting a withdrawal. Check the Benefits section of your own account before you plan around it.

The arithmetic that actually matters

Forget the $2,994. The number that decides whether this card is worth $895 to you is what you captured last year, and it usually comes apart like this:

• Credits tied to spending you would do anyway: Digital Entertainment, Uber Cash, Walmart+ if you are a member, CLEAR+ if you fly. Count these at full face value.
• Credits tied to a merchant you use but not to that budget: Resy, lululemon. Count these at whatever you actually spent, which for most people is not the full quarterly cap.
• Credits tied to a purchase you would not otherwise make: Equinox at $300, an Oura Ring. Count these at zero unless you were buying anyway. A credit that requires you to spend more than the credit is worth is a discount, not a rebate.
• The Hotel Credit, which is real money if you book qualifying stays and $0 if you do not.

Do that honestly and the effective fee is a number you can defend, in either direction. Plenty of people land comfortably under $895 of captured value and keep the card for the lounges. That is a fine answer. Guessing is not.

Holding 51 windows

Whatever you use to track this, it has to do three things: know the reset date for each credit rather than a generic "annual", know whether the credit was already used this period, and tell you before a window closes rather than after. A reminder that fires on a credit you already used trains you to ignore reminders, which is worse than no reminder.

OfferBee does this by reading the transactions on your card and marking a credit used when the qualifying charge posts, on iOS and Android. A spreadsheet with 51 dated rows does it too, if you are the kind of person who maintains a spreadsheet with 51 dated rows.

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Every amount, cycle and enrollment requirement above was read off American Express's own pages on 2026-09-08 and is quoted as Amex words it. Card terms change without much ceremony; the CLEAR+ line moved $10 between two Amex documents inside a year. Verify against your own account's Benefits section before acting on any number here. We re-check this page quarterly; if the date above is stale, treat it as indicative.