American Express Platinum Card: trip delay insurance
What the American Express Platinum Card's trip delay 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 delay after 6 hours up to $500, and baggage insurance up to $3,000
Stated limit: up to $500 per claim. That is the largest stated limit among the 3 cards here whose summaries give one for trip delay insurance.
Read from the issuer's benefit summary 2026-09.
Who it is worth it for
If trip delay insurance is the reason you are looking at the American Express Platinum Card, the Bilt Mastercard lists it too, with no annual fee — $895 a year less. 5 cards here carry it for a lower fee in all. What the difference buys is the rest of the American Express Platinum Card: its rewards and the other benefits below. Compare the two summaries before deciding they are the same cover.
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.
Every card here with trip delay insurance
| Card | Annual fee | What the summary says | Read |
|---|---|---|---|
American Express Platinum Card (this card) |
$895 | up to $500 per claim Trip delay after 6 hours up to $500 |
2026-09 |
| $250 | up to $300 per claim Trip delay insurance up to $300 per trip when a round trip is delayed more than 12 hours |
2026-10 | |
| none | up to $200 per claim Trip delay reimbursement up to $200 per person once a trip runs more than six hours late |
2026-09 | |
| $95 | trip delay protection |
2026-09 | |
| $150 | Trip delay |
2026-09 | |
| $325 | trip delay after 12 hours |
2026-09 |
The American Express Platinum Card's other dated benefits
- Rental car — secondary cover
- Purchase protection — up to $10,000 per claim, 90 days
- Extended warranty
- Trip cancellation — up to $10,000 per claim
- Baggage — up to $3,000 per claim
- Priority Pass lounges
- Centurion lounges
- Global Entry / TSA PreCheck
- Airline fee credit
- Concierge
What the American Express Platinum Card earns, category by category · Every card with trip delay insurance · How the data here is kept