Cardful

American Express Platinum Card: trip cancellation insurance

What the American Express Platinum Card's trip cancellation insurance covers as its issuer summarises it, which cards with dated benefits list the same thing for a lower fee, and whether the card's rewards pay its fee before the benefit is counted.

Read this first

This list comes from each issuer's benefit summary, read on the month shown beside each card. Summaries leave out the exclusions, the claim limits per year and the conditions — often that the whole trip or purchase has to go on the card — so read the card's full guide to benefits before you rely on one. 77 of the 118 cards in the catalogue have no benefits recorded here yet and are left out, so a card missing from this list may still have it.

What the summary says

Trip cancellation and interruption cover up to $10,000 per trip

Stated limit: up to $10,000 per claim.

Read from the issuer's benefit summary 2026-09.

Who it is worth it for

No other card with dated benefits lists trip cancellation insurance, so on this list it is a reason to pick the American Express Platinum Card specifically.

On rewards alone, the illustrative household spending $2,205 a month (the assumption, in full) earns about $625 a year on the American Express Platinum Card, or −$270 once its $895 fee is paid. So the rewards leave $270 of the fee for the card's credits and benefits — this one among them — to make up. It is worth it for somebody who would use enough of them, at face value, to cover that gap; credits are not priced here because they are worth their face only if you would have spent the money anyway.

The American Express Platinum Card's other dated benefits

What the American Express Platinum Card earns, category by category · How the data here is kept