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Amex Travel: Everything You Need to Know [2021]

Offers contained within this article maybe expired.

American Express has a very robust travel portal. Not only can you book different types of travel, but you can also take advantage of a lot of additional perks and benefits depending on the type of cards you have.

But you need to know the ins and outs of how everything works in order to squeeze out all the value you can.

In this article, I’ll break down everything you need to know about Amex Travel.

I’ll start by explaining the bonus points you can earn and how to use your points to book travel. I’ll then cover some of the special perks you can get through the program like 5X earnings.

And I’ll show you the results from my research I did to see if Amex Travel is cheaper or more expensive than booking directly (the results are a little surprising).

Finally, I’ll show you how to efficiently use Amex Travel to book your travels.

Table of Contents

What is Amex Travel?

Amex Travel is an online travel portal that allows you to book various forms of travel including:

Rental cars

  • Vacation Packages

Amex Travel overview

Bonus earnings.

Membership Rewards-earning cards will earn one extra Membership Rewards point for every dollar spent on certain purchases like:

  • Pre-paid hotels
  • Vacation packages (flight + hotel packages)
  • Cruise reservations

Eligible travel purchases do  NOT  include car reservations, non-prepaid hotels, ticketing service or other fees

These Membership Rewards-earning cards that earn an extra point include favorites like the:

  • Amex Gold Card
  • Amex EveryDay
  • Amex EveryDay Preferred
  • The Centurion Card
  • Blue Business Plus Credit Card
  • Business Gold Card
  • Business Green Rewards Card

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Platinum Cards

Platinum and Business Platinum Cardmembers are only eligible for 1 additional point on cruise reservations. However, they earn 5X on prepaid hotels and airfare.

If you value Membership Rewards at 1.75 cents per point then it’s like earning  8.75% back on airline purchases !

The Platinum Card earns some pretty impressive rates across the board when it comes to Amex Travel.

Take a look at all of the 5X categories:

Tip: The Platinum Card also comes with some pretty stout benefits including the best airport lounge access offered by any credit card.

Amex Green Card

The Amex Green Card earns a very respectable 3X on a wide range of travel purchases which include amextravel.com. Therefore, you can earn 3X on airfare, hotel bookings, cruises, etc.

Lowest price guarantee

When it comes to booking hotels, you can get the lowest price guarantee with Amex Travel.

Like other similar guarantees, the terms are very strict about when this can be honored.

You will need to find the exact same room in the same hotel for the exact same dates and number of children and adults.

The price will need to be found online before taxes and fees and you must submit your claim prior to your stay before the date of check-in. This perk is only valid for American Express cardmembers.

Certain types of rates not available to the public will be excluded including:

  • Rates or discounts that are not available to the general public (e.g., corporate, AAA, government, etc.)
  • Hotel rooms booked with loyalty points, coupon promotions, etc.
  • Rooms booked on websites that do not allow you to see the name of the hotel until your reservation is complete
  • Promotional packages, deals, all-inclusive packages
  • Bundles that include additional amenities such as parking, meals, etc.
  • Rates booked through the Fine Hotels & Resorts and The Hotel Collection programs.

Elite benefits

If you book through Amex Travel, you will likely lose out on the ability to earn elite credits and also you might even lose out on receiving elite benefits.

For example, if you are a Hilton Honors Gold member, typically you would earn 18 points per dollar spent at a Hilton property.

In addition, you would be eligible for benefits like a free breakfast, upgrades, and late check out.

But if you use Amex Travel to book a stay at a Hilton property, you would not earn 18 points per dollar and you may not receive things like a free breakfast.

You won’t always miss out on receiving your elite perks as I recently received an upgrade as a Hyatt Discoverist on a stay I booked through Amex Travel.

However, it will be on you to contact the property and add your loyalty number to your accounts. In addition, you likely will need to be proactive about requesting benefits like upgrades.

Tip: You can still get elite benefits with the Fine Hotels & Resorts and The Hotel Collection programs.

Access to Amex Travel

Initially I thought that only American Express cardmembers could use Amex Travel to book travel. But I inquired with an American Express agent and they informed me that anybody can use the travel portal.

Photo of pancakes at a Hilton hotel

Is Amex Travel cheaper?

The most important question you are probably wondering is whether or not it is cheaper to book your travel through Amex Travel or directly through the airlines, hotels, etc.

To answer this question, I did a handful of sample bookings for flights, hotels, rental cars, and cruises.

Below are the results.

For flights, all five sample bookings were a little bit cheaper when I chose to book directly. In many cases the price was about $7 cheaper which isn’t a huge gap but is still cheaper nonetheless.

Here are the prices that I compared:

It’s worth noting that American Express imposes small fees for certain airline bookings.

For example, they will charge a non-refundable fee of $6.99 per domestic ticket and $10.99 per international ticket for each ticket for an airline that pays them a standard fee or commission.

So the price differences above likely were affected by these fees.

Tip: Logged in Platinum cardmembers and Centurion members will not be charged this fee.

For hotels, the opposite was true.

Amex Travel was cheaper on more occasions although in some cases the price was virtually identical.

Also, you can earn 5X Membership Rewards on pre-paid hotel stays with your Platinum Card. That’s a lot of points and in some cases it could make up for the lost value of elite benefits.

The rental car prices were almost completely identical.

The cruises were generally cheaper with direct booking. This was partially the result of flash sales that were happening with some of the cruise lines. These flash sales were not showing up on Amex Travel.

Overall, my data points showed that booking flights is slightly more expensive through Amex Travel (likely due to Amex fees) but that booking hotels and rental cars can be virtually identical.

Cruises may also be identical in pricing but you may not have access to flash deals which can cause significant discrepancies in price.

Tip: The Platinum Card receives special perks on some cruise packages such as credits.

Using Membership Rewards to book Amex Travel

One of the cool things about Amex Travel is that you can use your Membership Rewards points to book travel.

Your redemptions must involve a minimum of 5,000 Membership Rewards.

Something important to know is that the value of your points will differ based on the type of travel that you book.

Here is a breakdown of the value your points get for different types of travel.

Tip: You can also use the points calculator to check out the value of your Membership Rewards.

As you can see, flights and hotels through the FHR get the most value for your points. Other types of redemptions like hotels are not great.

When you consider that a card like the Chase Sapphire Preferred can get you 1.25 cents per point in the Chase Travel Portal on all different types of travel, all of a sudden redeeming Membership Rewards for .7 cents per point seems very poor.

If you have a small business card like the Business Platinum Card or the Business Gold Card , you can actually get more value for your points.

The Business Gold Card has a 25% bonus which comes out to 1.33 cents per point . Meanwhile, the Business Platinum Card  has a 35% bonus which comes out to 1.54 cents per point.

You can only get the bonus/rebate for either a First or Business class flight on any airline or for flights with your selected qualifying airline.

Here some of the airlines you might be able to choose:

  • Alaska Airlines
  • American Airlines
  • Delta Airlines
  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue Airways
  • Spirit Airlines
  • Southwest Airlines
  • United Airlines

Note: There is a limitation on your rebate as you will only be able to receive up to 250,000 bonus points per calendar year for the Business Gold Card and up to 500,000 points per calendar year for the Business Platinum Card.

Alternative to using points for Amex Travel

Instead of using your points on travel, you could redeem them in other forms such as cash back, gift cards, or on Amazon.

The values for cashback and Amazon are not very good as you can see below but sometimes gift cards can be a decent option when you can cash out at one cent per point.

Should you use your Membership Rewards?

Even though your Membership Rewards can be transferred out to valuable travel partners for optimal value, sometimes it could make sense to use a travel portal.

One of the biggest reasons is that using something like Amex Travel is simpler.

You don’t have to deal with black out dates, award inventory, or figuring out how to do transfers and booking with partners.

However, if you do decide to transfer your points to American Express travel partners, here is a breakdown of the partners you can transfer to:

Picture of first class seats on United plane

Related travel programs

There are three programs that are related to Amex Travel but are also different and stand out in different ways.

These include the:

The Hotel Collection

Fine hotels and resorts, international airline program.

These programs are mostly focused on premium and luxury travel so if you are in those markets, you will get the most value out of these related programs.

The Hotel Collection is a special hotel portal that allows you to receive up to $100 in property credits and upgrades when you book hotels of two nights or longer.

The Hotel Collection is only available to the following U.S. American Express Card Members:

  • Consumer and Business Gold Card Members
  • Business Gold Rewards Card Members
  • Consumer and Business Platinum Card Members
  • Consumer and Business Centurion Members

The hotel credit will equal the amount spent on the hotel at checkout up to $100 and it will be credited at check out based on qualifying charges made excluding charges for taxes, gratuities, fees and cost of room.

You must make your payment in full with an American Express Card in the Eligible Card Member’s name.

Also, the cardholder must travel on the itinerary booked. There is a limit of one credit per room per stay and a three room limit per card member per stay.

Room upgrade is based on availability and eligibility at check-in.

For bookings made on  amextravel.com , you will earn 2X Membership Rewards on each The Hotel Collection booking and you can also use Pay with Points.

Amex Fine Hotels and Resorts , also known as “FHR,” is a luxury hotel program that offers special elite-like perks at over 975 world-class properties all around the world. 

There are also special hotels within this program known as Preferred Hotels & Resorts which “represents one of the world’s finest and most diverse portfolios of independent hotels.”

These hotel networks are only available to cardmembers of Platinum Cards and Centurion Cards.

Amex Fine Hotels and Resorts offers an entire suite of benefits which include: 

  • Noon check-in, when available
  • Guaranteed 4pm late check-out
  • Room upgrade upon arrival, when available
  • Daily breakfast for two people
  • Complimentary Wi-Fi
  • Special amenity unique to each property

As mentioned above, you can earn 5X with the Platinum Card on prepaid bookings through FHR . Something else that stands out is that you can still receive your elite benefits and elite credits when going through this portal.

The Amex International Airline Program (IAP) is a special program available to Platinum cardholders and Centurion cardholders that allows you to receive special discounts on up to eight first class, business class, and premium economy fares when booking through Amex.

The discounts can range from saving a couple of hundred bucks to saving a few thousand bucks so the International Airline Program can be arguably the most valuable benefit offered by any American Express card.

Not every airline participates in the program. Currently, here is the list of airlines that participate:

  • Air New Zealand
  • Asiana Airlines
  • British Airways
  • Brussels Airlines
  • Cathay Pacific
  • China Airlines
  • Etihad Airways
  • Japan Airlines
  • South African Airways
  • Virgin Atlantic

You’ll notice that notably absent are domestic carriers United and American.

Photo of a business class seat on Singapore Airlines

How to use Amex Travel

  • Head to the Amex Travel website
  • Choose the type of travel you want to book and input your destinations, travel dates, etc.
  • Utilize filters to find the type of booking best suited for you
  • Complete your booking!

The main menu

If you hover over “Book” you will then be able to select the type of travel you want to book.

(The default menu already displays flights, hotels, and vacations so you can easily start the booking process for those.)

amex travel phone

For flights, simply enter in your departure and arrival locations along with your dates and other details such as cabin preference.

You’ll then see results populated and you can use filters to narrow down the results. You can sort by things like price, duration, and departure time. You can also filter the results down by airline.

The search results allow you to quickly view details like baggage fees and in some cases you’ll also be able to view the seat map which is very convenient.

The hotel search results also provide you with robust filters and sort features to make your searching efficient.

I like to use the map feature and to filter by stars to narrow down my potential properties.

You can also filter by price and if you are interested in the luxury hotel collection or find hotels and resorts you can filter by those programs.

If you do come across a hotel that is part of the Fine Hotels and Resorts, you will see that clearly indicated on the search result.

amex travel phone

The same applies for The Hotel Collection.

amex travel phone

Make sure that you pay attention to the cancellation policy for that specific hotel.

As you view the search results, you can see if there is flexible cancellation which would allow you to cancel up to a certain window prior to booking.

If there is a flexible cancellation policy, you will be able to view the exact terms to see the deadline to get a refund. When you click on “cancellation policy” you will see a message like this:

There is no charge for cancellations made before 18:00 (property local time) on March 16, 2021. Cancellations or changes made after 18:00 (property local time) on March 16, 2021 or no-shows are subject to a property fee equal to 100% of the total amount paid for the reservation.

Other hotels will be completely nonrefundable.

Again, you can always click on a hotel and then click on view cancellation policy to get the specific terms for that booking.

Screenshot showing cancellation policy for hotels on Amex travel

For rental cars, you have a lot of filters that you could use for things like the size of the rental car, the rental car company, price, etc. You will be able to easily view if the booking has free cancellation or not.

amex travel phone

If you have an account, you should take a short amount of time to fill in your profile.

You will be able to input your personal details like your name and birthdate to make a booking quicker in the future. You can also input your known traveler number and your redress number if you have one.

In addition to your personal information, you can also easily add loyalty numbers to your frequent flyer program and hotel loyalty programs.

Next you can select things like your travel preferences. So for example, for flights you can select if you want a window or aisle seat. Or perhaps you have a meal preference such as gluten free meals.

And then if there are any additional preferences like unaccompanied minor status , vision impairments , etc., you can select those.

Finally, you can also add companions.

Amex Travel also has a section where you can view all of your booked trips.

This is really convenient when you need to change or cancel the booking since you have a quick way to find them.

You can also view past trips.

Amex Travel FAQ

Based on my 20 data points, Amex Travel is slightly more expensive for airfare (likely due to Amex fees) but prices are virtually identical for other types of travel such as hotels and car rentals. In some cases, Amex Travel had cheaper prices.

The Platinum Card is the best Amex card to use because you can take advantage of special 5X earnings on flights and hotels and also receive solid travel protections.

You may not receive your elite status benefits when booking hotels through Amex Travel because it is considered an OTA. However, you can still contact the hotel ahead of time and ask them to add your loyalty number to your reservation. After they do that, you may be able to receive some elite benefits depending on the brand and property. You can still get elite benefits with the Fine Hotels & Resorts and The Hotel Collection programs.

Yes, you can book travel with points on Amex Travel. However, you will have to use a minimum of 5,000 Membership Rewards.

Yes, Membership Rewards earning cards will earn one additional point when booking on Amex Travel for certain types of purchases. However, some cards like the Platinum Card and the Green Card will earn additional points.

Yes, but you may be subject to a non-refundable telephone air transaction service fee of $39 per ticket for airline tickets or air + hotel packages. Also, reservations within 6 hours of departure cannot be made by telephone.

Yes, you can change your airline booking but you may be subject to fees from the airline. In addition, American Express may charge you a $39 change fee per ticket reissue .

For bookings made online you can call Amextravel.com at: 1-800-297-2977. If you made your booking by phone with a Platinum Travel Counselor, you can call 1-800-443-7672.

No, you will need to use a card that has travel insurance like the Platinum Card or purchase a travel insurance package to get insurance for your bookings.

Flights Hotels Rental cars Cruises Vacation Packages

amex travel phone

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

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Table of Contents

Who can use the American Express Travel portal?

Benefits of booking travel on amex travel, how to book travel in the portal, is travel insurance included when booking through amex travel, downsides of booking via amex travel, final thoughts on the amex travel portal.

The American Express Travel portal is similar to many other online booking sites in that it allows you to purchase flights, hotels and other travel reservations. The main difference is that only those who hold an American Express card can use it.

Certain cards come with additional perks for booking in the portal. For instance, some AmEx cards allow travelers to earn extra points for bookings, receive a 35% points rebate, pay for a portion of the reservation with points, get room upgrades and more. Terms apply.

Here's a look at what the AmEx Travel portal offers and how to use it to maximize your benefits.

American Express Travel flights, hotels and other reservations are available for American Express cardholders. Depending on which American Express card you have, you may earn additional points on your reservation or unlock additional features. Terms apply.

For example, The Platinum Card® from American Express cardholders earn 5x points on flights booked directly with an airline or through AmEx Travel and 5x points on prepaid hotels booked through AmEx Travel. They also have access to the Fine Hotels & Resorts collection through the travel portal. Additionally, American Express® Gold Card and The Platinum Card® from American Express cardholders can book room reservations with The Hotel Collection . Terms apply.

amex travel phone

Here are eight reasons why booking with AmEx travel could be a good idea.

1. Earn up to 5x points

When you book flight through the AmEx Travel portal, your credit card may earn additional points for the purchase. In addition, prepaid hotel reservations through the AmEx travel portal also earn extra points. These are a few of the cards that offer a bonus when making reservations through AmEx travel:

The Platinum Card® from American Express

on American Express' website

American Express® Gold Card

• 5 points per $1 on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.

• 5 points per $1 on prepaid hotels booked with American Express Travel.

• 1 point per $1 on other eligible purchases.

Terms apply.

• 4 points per $1 at restaurants worldwide (on up to $50,000 in purchases per year).

• 4 points per $1 at U.S. supermarkets (on up to $25,000 in purchases per year).

• 3 points per $1 on flights booked directly with airlines or with American Express Travel.

• 2 points per $1 on prepaid hotels and other eligible purchases made through American Express Travel.

• 3 points per $1 on eligible travel purchases.

• 3 points per $1 on restaurants worldwide.

• 1 point per $1 on other purchases.

• 2 points per $1 on the first $50,000 in purchases each calendar year.

• 1 point per $1 on purchases above $50,000 in a calendar year.

» Learn more: AmEx Membership Rewards: How to earn and use them

2. Pay for reservations using Pay with Points

With American Express Travel, flights, hotels and more can be paid for with points instead of cash. Members can even choose to pay a portion of the trip with points and the rest with cash. Once your reservations have been booked, the full amount of your trip will be charged to your American Express credit card, and then a credit will be posted for the points redeemed within 48 hours.

You must redeem at least 5,000 points in order to use Pay with Points. Points are redeemed at a value of 1 cent per point when booking flights or making Fine Hotels & Resorts reservations. Other eligible travel receives only 0.7 cents per point. NerdWallet values Membership Rewards points at 2.8 cents per point if you take advantage of transferring to and booking through travel partners, so the redemption rates in the travel portal are significantly below our ideal value.

If you need to cancel your reservation, you'll receive a statement credit on your card for the cash equivalent. Members who would rather have the unused Membership Rewards points returned to their accounts must contact American Express customer service at 800-297-3276. Terms apply.

3. Upgrade flights with points

Eligible flights booked with cash can be upgraded using your American Express Membership Rewards points. You'll receive 1 cent per point credit towards the cost when upgrading a flight with points (which is again below our AmEx point valuation ).

To upgrade your flight with points, select your airline and provide your reservation details in the AmEx travel portal. You will be notified if your flight is eligible or not. If your flight is eligible, you can submit an offer to the airline for the upgrade. The airline will accept or reject your bid between one and five days of your flight's departure and you'll receive a decision via email.

If your upgrade offer is accepted, the points will be deducted from your account. Your statement will show a charge and a credit for the corresponding points.

» Learn more: You can now use AmEx points to bid on flight upgrades

4. Discounted international flights through AmEx IAP

Platinum cardholders have access to discounted flights through International Airline Program (IAP) , which allows members to book first, business and premium economy at a discount on select airlines and routes. Plus, you'll receive 5x Membership Rewards points on the booking when using your The Platinum Card® from American Express or The Business Platinum Card® from American Express to pay for the flight. Terms apply.

There are 25 airlines that participate in this program. You can book refundable and nonrefundable tickets for up to eight passengers through the IAP. Tickets can be paid with your card, points or a combination of the two. You will have to pay a $39 nonrefundable ticketing fee, however the discount received on these tickets should outweigh the fee.

5. Cancel For Any Reason insurance

CFAR is shorthand for an insurance policy that allows you to cancel your trip for any reason whatsoever and receive a refund. In May 2022, AmEx launched its own version of CFAR coverage for airfare booked through the travel portal using an AmEx card.

This feature, called Trip Cancel Guard, will get you up to a 75% reimbursement on nonrefundable airfare costs, provided you cancel at least two calendar days out from your departure. You'll need to purchase Trip Cancel Guard coverage at the point of booking and if you cancel, whether through the airline directly or through AmEx Travel, you can request reimbursement online or over the phone.

» Learn more: The guide to Cancel For Any Reason (CFAR) travel insurance

6. 35% points rebate with The Business Platinum Card® from American Express

When The Business Platinum Card® from American Express cardholder book flights using points through the AmEx travel portal, they can receive up to 35% of their points back . The benefit is available on first or business class flights on any airline and all economy flights with their chosen airline. This benefit provides up to 500,000 points back per calendar year.

However, as with all AmEx credits , it's not as straightforward as you may hope. You will have to designate the airline for the 35% rebate and the airline must be the same as the one chosen for the $200 airline incidental credit .

» Learn more: The best travel credit cards right now

7. Fine Hotels & Resorts

amex travel phone

The Loews Portofino Bay Hotel at Universal Orlando. (Photo by Sally French)

Fine Hotels & Resorts (FHR) is a collection of resorts and benefits available only to Platinum Card members. There are over 2,000 properties worldwide that participate in this program. When making reservations with Fine Hotels & Resorts for one night or more, you'll receive the following benefits:

$200 statement credit provided once per year.

Noon check-in (when available).

Room upgrade upon arrival (when available).

Daily breakfast for two.

Guaranteed 4 pm late checkout.

Complimentary in-room WiFi.

Unique property benefit valued at least $100.

These benefits rival those that many travelers receive when booking directly with hotels to obtain elite status perks. Some locations also offer a last-night free benefit, depending upon when you make your reservation. And some of the best hotels to book using FHR credits offer especially-unique amenities.

For example, many theme park fans consider Loews Portofino Bay Hotel as the best FHR hotel in Orlando . That's because — on top of all the above benefits — guests receive complimentary Universal Express Unlimited ride access, which allows you to skip the lines inside the Universal theme parks .

8. The Hotel Collection

amex travel phone

The Loews Sapphire Falls at Universal Orlando falls under The Hotel Collection. (Photo by Sally French)

AmEx Gold and Platinum cardholders receive elite status-level perks at more than 600 hotels worldwide. When you stay for two nights or more, you'll receive a $100 resort credit and an upgrade upon arrival (when available). In addition, you can use your AmEx Membership Rewards credit card to book and pay for your reservation entirely or partially with your points.

While you can book travel over the phone with an agent, it is often quicker and more convenient to make your reservations through the AmEx Travel portal.

amex travel portal header

Here's how to book travel in the American Express travel portal:

Go to americanexpress.com/en-us/travel/ .

Log in with your username and password.

Select flights, hotels, flight + hotel, cars, or cruises.

Enter your travel dates, cities and other relevant information.

Choose options based on your trip.

Pay with your American Express credit card, points, or a combination.

Since you need an American Express card to make reservations through AmEx travel, you may already hold a card that offers complimentary travel insurance . If you don’t get travel insurance perks through your AmEx card, you can purchase Trip Cancel Guard through when making your booking.

Trip Cancel Guard works similarly to CFAR in that it allows you to cancel your trip for any reason whatsoever and get up to a 75% reimbursement of your travel costs as long as the cancellation is made two full days before your trip.

What is the AmEx Travel cancellation policy?

When you book travel through the American Express travel portal, you may be eligible to cancel your reservation within 24 hours and get a full refund. However, the cancellation policy is determined by the airline.

As such, AmEx instructs travelers to refer to the cancellation policy on the itinerary or reach out to customer service with any questions. Terms apply.

There are many appealing reasons why travelers want to book reservations with the AmEx travel portal. However, there are some downsides as well. These are some of the most common reasons why you shouldn't:

Low value for your points. Redeeming points through the AmEx travel portal yields a value of 1 cent per point or less. That's at least a 50% reduction compared to our value of Membership Rewards points.

Complicated customer service. Resolving flight or hotel reservation issues becomes more complicated when you book through a third party such as AmEx travel. The airline or hotel blames the booking agency and may not immediately resolve the problem in some instances. However, providers have no scapegoat when you book direct.

No hotel elite status benefits or loyalty credits. Most hotels require you to book directly to receive elite status benefits, stay credits or earn points. For travelers looking to take advantage of their elite status or earn status for the next year, booking AmEx travel hotel reservations is not a good idea.

Despite the above policy, hotels booked through Fine Hotels & Resorts allow you to earn elite night credit and earn loyalty perks associated with your elite status level on any hotel reservations — regardless if you book in the portal or not.

The AmEx travel portal offers numerous benefits for all American Express cardholders. If you have a Membership Rewards credit card, you can pay for all or part of eligible travel reservations using your points.

And any portion that you pay with your Membership Rewards card can earn up to 5x points. AmEx Travel also offers two hotel collections that provide additional perks similar to elite status benefits.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

amex travel phone

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Full List of American Express Card Customer Service Numbers [2024]

Table of Contents

Personal card customer service numbers, business card customer service numbers, corporate cards customer service numbers, travel and membership rewards customer service numbers, alternate methods of contact, final thoughts.

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If you want to contact American Express Customer Service regarding your personal, business, or corporate card, you’ve come to the right place. Whether you want to make a payment, apply for a new card, dispute a fraudulent charge, or simply have questions about your account, you can use the following customer service phone numbers.

The best number to call may vary depending on the purpose of your call, so we’ve broken out some common areas of concern. We’ve also included some alternate contact methods so you can choose the best way to get in touch with American Express. That said, the general customer service line is always a good place to get started.

If you need to talk to someone regarding one of the Amex credit cards , you’ll want to use the phone numbers in this section.

Customer Service for Personal Cards: 800-528-4800 or contact the number on the back of your card for the following American Express personal cards:

  • American Express Cash Magnet ® Card *
  • American Express ® Gold Card
  • American Express ® Green Card *
  • The Amex EveryDay ® Credit Card *
  • The Amex EveryDay ® Preferred Credit Card *
  • Blue Cash Everyday ® Card from American Express
  • Blue Cash Preferred ® Card from American Express
  • Delta SkyMiles ® Blue American Express Card
  • Delta SkyMiles ® Gold American Express Card
  • Delta SkyMiles ® Platinum American Express Card
  • Delta SkyMiles ® Reserve American Express Card
  • Hilton Honors American Express Aspire Card *
  • Hilton Honors American Express Card
  • Hilton Honors American Express Surpass ® Card
  • Marriott Bonvoy Brilliant ® American Express ® Card
  • The Platinum Card ® from American Express

* All information about these cards has been collected independently by Upgraded Points.

Hot Tip:  This list includes all cards that American Express currently issues. If you hold a card that is not listed, you are still able to call the phone numbers listed or call the number listed on the back of your card for assistance.

To Report Lost or Stolen Card, Fraud, or Dispute a Charge: 800-528-4800

Make Payments by Phone: 800-472-9297

Apply for a Card: 888-297-1244

Check Application Status: 877-239-3491

Verify Card: Call the number listed on the activation sticker or verify receipt online

If you have an American Express business card , this is the section you’ll want to use.

Customer Service for Business Cards: 800-492-3344

  • Amazon Business American Express Card*
  • Amazon Business Prime American Express Card *
  • The American Express Blue Business Cash™ Card
  • American Express ® Business Gold Card
  • The Blue Business ® Plus Credit Card from American Express
  • Business Green Rewards Card from American Express *
  • The Business Platinum Card ® from American Express
  • Delta SkyMiles ® Gold Business American Express Card
  • Delta SkyMiles ® Platinum Business American Express Card
  • Delta SkyMiles ® Reserve Business American Express Card
  • The Hilton Honors American Express Business Card
  • Lowe’s Business Rewards Card from American Express *
  • Marriott Bonvoy Business ® American Express ® Card
  • The Plum Card ® from American Express

Hot Tip:  If you have a card that is not listed, you can still call the phone numbers listed or refer to the number listed on the back of your card for assistance — this just means that your card may no longer be open to new applicants. 

To Report a Lost or Stolen Card, Fraud, or Dispute a Charge: 800-528-4800

Apply for a Card: 800-519-6736

Verify Card:  Call the number listed on the activation sticker or verify receipt online

If you hold a corporate card that your employer manages, these are the customer service numbers you’ll want to reference.

General Customer Service for American Express Corporate Cards: 800-528-2122

  • American Express ® / Business Extra ® Corporate Card*
  • American Express ® Corporate Gold Card*
  • American Express ® Corporate Green Card*
  • Corporate Platinum Card ® by American Express*

Platinum Customer Service: 800-492-3932

Bottom Line: We’ve included the numbers for cardholders only. If you’re a Program Administrator, you’ll need to call 888-800-8564  for customer service support.

If you’re looking to book or change travel through American Express or have questions about your Membership Rewards account , here are some good numbers to use.

Reservations for Air, Hotel, and Car Rentals:

  • Inside the U.S.: 800-297-2977
  • Outside the U.S.: 312-980-7807

Reservations for Cruises: 800-297-5627

Membership Rewards Customer Service Number: 800-297-3276

Company Website: americanexpress.com

General Inquiries Mailing Address: American Express P.O. Box 981535 El Paso, TX 79998-1535

Payment Mailing Address: American Express P.O. Box 650448 Dallas, TX 75265-0448

Customer Login: global.americanexpress.com/login

Secure Chat: Log into your American Express account and click the blue Chat box in the bottom right corner. This secure chat function will allow you to speak with an American Express representative.

Twitter: Tweet questions to @AskAmex

Facebook: Send messages via  Facebook

In the event you need to contact American Express, you can use this post as a resource. It includes the various ways you can contact American Express, including by phone, chat, and social media. And could come in handy if you need to do things like make a payment, dispute a charge, or even apply for a new card.   

The information regarding the Amazon Business American Express Card, American Express ® / Business Extra ® Corporate Card, American Express ® Corporate Gold Card, and American Express ® Corporate Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The information regarding the American Express Cash Magnet ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the American Express ® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for The Amex EveryDay ® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the The Amex EveryDay ® Preferred Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Corporate Platinum Card ® by American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of the Blue Cash Everyday ® from American Express, click  here . For rates and fees of the Blue Cash Preferred ® Card from American Express, click here . For rates and fees of the Delta SkyMiles ® Blue American Express Card, click here . For rates and fees of the Delta SkyMiles ® Gold American Express Card, click here . For rates and fees of the Delta SkyMiles ® Platinum American Express Card, click here . For rates and fees of Delta SkyMiles ® Reserve American Express Card, click here . For rates and fees of the Hilton Honors American Express Card, click here . For rates and fees for The Hilton Honors American Express Surpass ® Card, click here . For rates and fees of the Marriott Bonvoy Brilliant ® American Express ® card, click here . For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of the Amazon Business Prime American Express Card, click here . For rates and fees of The American Express Blue Business Cash™ Card, click here . For rates and fees of the American Express ® Business Gold Card, click here . For rates and fees of The Blue Business ® Plus Credit Card from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here . For rates and fees of the Delta SkyMiles ® Gold Business American Express Card, click here . For rates and fees of the Delta SkyMiles ® Platinum Business American Express Card, click here . For rates and fees for the Delta SkyMiles ® Reserve Business American Express Card, click here . For rates and fees of The Hilton Honors American Express Business Card, click  here . For the rates and fees of the Lowe’s Business Rewards Card from American Express, click here . For rates and fees of the Marriott Bonvoy Business ® American Express ® Card, click here . For rates and fees of The Plum Card ® from American Express, click here .

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  • Introduction to Amex Travel
  • Amex Membership Rewards Overview
  • Amex Travel Benefits
  • Amex Travel Drawbacks
  • Amex Credit Cards

Booking with American Express Travel

  • Amex Fine Hotels & Resorts
  • The Hotel Collection

Navigating American Express Travel: Benefits, Booking, and Tips in 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: American Express® Green Card, Amex EveryDay® Preferred Credit Card, Amex EveryDay® Credit Card. The details for these products have not been reviewed or provided by the issuer.

  • The American Express Travel Portal works much like an online travel agency for Amex cardholders.
  • Use Membership Rewards points, cash, or combine both to book flights, hotels, cars, and more.
  • Some cardholders get exclusive deals including luxury hotel benefits and premium flight discounts.
  • Read Business Insider's guide to the best American Express cards .

This guide explains what you need to know about booking airfare, hotels, and more through the Amex Travel Portal — and how to make the most of your Amex points.

Introduction to American Express Travel

The American Express Travel Portal is a one-stop website for booking flights, hotel stays, rental cars, cruises, and vacation packages. This third-party travel booking platform is primarily designed for people who have an Amex card that earns Membership Rewards points , like The Platinum Card® from American Express, American Express® Gold Card, The Business Platinum Card® from American Express, or American Express® Business Gold Card.

American Express Membership Rewards Overview

The American Express Membership Rewards program is one of the most popular and valuable credit card "currencies" because rewards can be used in a variety of ways. You can use Membership Rewards points to pay down your credit card balance.

You can also purchase gift cards, merchandise, food delivery, and more, in addition to booking travel through the Amex Travel Portal. You can also transfer Membership Rewards points over 20 Amex airline and hotel partners  including Delta , British Airways, and Hilton .

How Amex Travel benefits American Express cardholders

Amex Travel functions much the same way as online travel agencies (OTAs) such as Expedia or Booking.com, allowing you to search for and book flights, hotels, rental cars, vacation packages, and cruises.

Anyone can use Amex Travel, but the best deals and benefits are reserved for American Express cardholders. When you have a credit card that earns Amex Membership Rewards points, you'll have to option to pay for your booking with points (if it's prepaid), your Amex card, or a combination of both. Additionally, you'll earn bonus points when you pay for travel with a Membership Rewards credit card. 

The Amex Travel portal is also where Amex Platinum Card, Amex Business Platinum Card, Amex Gold Card, and Amex Business Gold Card members can access The Hotel Collection to receive room upgrades and an onsite credit to use at participating hotels.

And if you have a Amex Platinum Card or Amex Business Platinum Card, you'll have access to the International Airline Program, which offers lower fares for international premium-class travel on over 20 airlines, and the Fine Hotels & Resorts collection for hotel stays. 

Always compare the cash price of an airline ticket or hotel room before you transfer any type of flexible points to a travel partner. In some cases, you'll pay fewer points by redeeming points for a paid booking instead of an award flight or stay.

Benefits of American Express Travel

As with any OTA, there are pros and cons to using Amex Travel. Here are some of the main considerations for you to understand. 

Use your Amex points at any time

One of the biggest benefits is being able to redeem your points for travel without having to worry about award charts, blackout dates, or transfer partners. Amex Travel makes it simple to use your points, even with independent hotels and smaller airlines without a popular loyalty program.

You'll still earn airline miles and elite-qualifying miles

You won't earn points or elite night credits when you book a hotel with Amex Travel, but you can earn airline and work toward elite qualification on flights, as long as your frequent flyer number is on the reservation. 

Earn bonus points when paying with certain Amex cards

Some American Express cards earn bonus points for travel booked through the Amex travel portal. For example, Amex Platinum Card earns 5 points per dollar spent on airfare booked with Amex Travel or directly with airlines on up to $500,000 in spending per year, and the Amex Gold Card earns 3x points in the same categories with no limit.

Platinum cardholders get discounts on premium airfare

Amex Platinum Card and Amex Business Platinum Card members can access discounts on international premium-class flights through the International Airline Program, and sometimes save hundreds of dollars per ticket.

Get bonus perks at luxury hotels through Amex Fine Hotels and Resorts and The Hotel Collection

Platinum cardholders can book through the Amex Fine Hotels and Resorts program within the travel portal, which gets you upgrades, free breakfast, and elite-like benefits at participating properties. Gold and Platinum cardholders can also book through The Hotel Collection, another program also found within Amex Travel, to get extras including onsite credits and other perks.

Downsides of American Express Travel

Now that we've listed a number of Amex Travel benefits, there are some drawbacks that may significantly impact your booking strategy.

You won't earn hotel credit or elite status when booking through Amex Travel

Most hotels will not let you earn loyalty program points or elite credits on stays booked through Amex Travel, and you may not be able to use your hotel elite status benefits during your stay. This is because most properties consider the Amex travel portal to be a third-party booking site, and elite benefits usually apply only when you book directly with the hotel. 

This drawback won't matter as much at smaller chains or boutique hotels, but you'll need to weigh the benefits of booking through Amex if you're chasing elite status with a major chain such as Marriott or Hilton.

Trip changes, interruptions, and cancellations can be harder to change through Amex Travel 

Many airlines allow you to change your flights these days, especially if you booked a refundable fare or are willing to pay some additional fees. But when you book through a third-party website like Amex Travel, you may get mixed messages regarding which company you should contact if you need to change your travel plans.

During the early days of the COVID-19 pandemic, for example, many travelers ping-ponged back and forth between customer service representatives at the airline that canceled their flight home, as well as those from the third-party OTA that sold them their ticket. 

American Express Membership Rewards cards

American Express The Platinum Card® from American Express

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

See Pay Over Time APR

Earn 80,000 Membership Rewards® points

Good to Excellent

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
  • con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
  • con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.¤
  • Terms Apply.

To get the most from the Amex Travel Portal, you'll need a card that earns American Express Membership Rewards points . There are a number of options including premium cards, small business credit cards, and cards with a low or no annual fee.

Personal cards that earn Amex Membership Rewards points include:

  • The Platinum Card® from American Express (read our Amex Platinum card review )
  • American Express® Gold Card (read our Amex Gold card review )
  • American Express® Green Card (read our Amex Green card review )
  • Amex EveryDay® Preferred Credit Card (read our Amex EveryDay Preferred card review )
  • Amex EveryDay® Credit Card (read our Amex EveryDay card review )

Small business Amex Membership Rewards cards include:

  • The Business Platinum Card® from American Express (read our Amex Business Platinum card review )
  • American Express® Business Gold Card (read our Amex Business Gold card review )
  • The Blue Business® Plus Credit Card from American Express (read our Amex Blue Business Plus card review )

Now let's take a look at each part of the Amex Travel portal. 

Book flights through Amex Travel 

To get started, navigate to American Express Travel and click the "Flights" tab on the homepage, then enter your departure airport, destination, travel dates, and the number of passengers. You'll also select whether you want a round-trip or one-way flight, class of service, and if you prefer non-stop flights.

On the next page, you'll see a list of flight options with a set of filters on the left side of the screen. You can filter based on the number of stops, departure and arrival time, airline, fare type, and any available benefits from your cards. 

American Express has a preferred relationship with Delta, so you'll see Delta flights listed first when they're available. Further down the list, flights are arranged by price, starting with the lowest. Next to each option, you'll see how many bonus points you'll earn and any other perks you'll receive.

For example, I have Amex Platinum Card and see a note that says I can enter the Delta Sky Club or Centurion Lounge when I fly out of LaGuardia in New York. The search results also remind me that Delta is a featured airline and I'll earn 5x points on my booking. 

The fares you'll see are often the same as what you'll find on other websites, including booking directly with the airline. Sometimes they're an extra few dollars so it's worth double-checking, but for the most part, they're similar. 

Note that Amex normally charges a fee of $6.99 per domestic ticket and $10.99 per international ticket you book through the website. This fee is waived if you have a Amex Platinum Card or Amex Business Platinum Card. You can purchase a maximum of nine tickets per transaction. 

Remember that you'll still earn miles and have your airline elite status recognized when you fly as long as your frequent flyer number is attached to your reservation when you book through a third-party OTA. If you forget, you can always add it through the airline later on.

Note that you will not see budget airlines listed on AmexTravel.com. That includes popular options like Norwegian, Southwest, Spirit, Sun Country, and others. Because of this, there may be cheaper options available that aren't displayed, so it's worth double-checking directly if you have a low-cost airline you like to fly.

Book with cash, points, or a combination of both — or set up a Buy Now, Pay Later plan 

If you have a Membership Rewards-earning card, you can use your points to partially or completely pay for travel on the Amex Travel portal, including flights, hotels, cruises, and car rentals.

You can also choose to pay entirely with your Amex card, and there's a new payment option. Amex personal cardholders now have the choice, at checkout, to pay for their flight over time with Plan It — Amex's buy now, pay later feature.   

Plan It is an existing program, but the ability to set up a payment plan directly at checkout with Amex Travel is brand new. Cardholders can create up to three plans to pay for flight purchases of $100 or more in monthly installments with a fixed monthly fee and no interest.

You'll see each option on the final payment screen: select to use all points, all cash, a combination of both, or set up monthly installments with Plan It.

Note that when you use points and cash, you must redeem a minimum of 5,000 points. Each point is worth 1 cent toward airfare, so this comes to at least $50 toward your trip. 

No matter how you pay, you'll be able to earn miles and credit toward elite status when you fly because they're all treated as cash bookings by the airlines. 

If you have Amex Business Platinum Card and choose to use points to pay for your flights, you'll receive 35% of your points back as a rebate for economy fares on your selected airline, up to 500,000 points per calendar year. You'll get this same rebate on business or first-class flights on any airline as well. 

Insider Fares displayed on the Amex Travel Portal

Flights with Insider Fares are an exception to the rules above, which are directly discounted exclusively for Amex customers.

Your points are worth a little more than 1 cent each on Insider Fares, and the exact value varies based on the flight. These fares are only available with points bookings, and you must use your Membership Rewards points to cover the entire fare cost. As a result, you won't see these fares in the Amex Travel portal if you don't have enough points to cover the flight. 

Don't forget the International Airline Program if you have a Platinum Card

If you have Amex Platinum Card or Amex Business Platinum Card, you also have access to the International Airline Program, which offers lower fares on premium-class international travel. More than 25 airlines participate in the program, and savings can be substantial compared to published fares. 

You can buy discounted fares in premium economy, business, or first-class through this program. The exact savings you'll get varies based on the airline and route, but can often be several hundreds of dollars. That's a great deal if you're someone who books paid travel to fly internationally. 

You can cover much of the card's annual fee with the savings from just one well-priced booking. There's also no limit to how much you can save, or how often you can take advantage of the lower fares offered here. 

Book hotels through Amex Travel

Booking a hotel stay functions much the same as the flight booking process. Make sure the "Hotels" tab is selected, then enter your trip details.

Again, you have the opportunity to use cash, points, or a combination of both to pay for your stay (the Plan It feature isn't available through Amex Travel for hotel bookings). Prices are usually similar to booking directly, but some of the big-chain hotels cost a few dollars more, presumably because Amex is adding their commission to the cost. 

An important reminder: There is one major caveat to booking hotels through American Express Travel, or any third-party booking site for that matter. You will not earn hotel points or elite status credit and likely will not have your elite status recognized when you book through the portal. If you care about earning points and elite status, you should avoid booking through third-party sites like this one.

However, if you're booking an independent or boutique hotel that isn't part of any rewards programs or like the simplicity of booking this way, this isn't an issue. And sometimes the hotel you choose is based on location or other personal preferences. 

Book with Fine Hotels & Resorts: Amex Travel's luxury hotel program

What is amex fine hotels & resorts.

The Amex Fine Hotels and Resorts (FHR) program offers select American Express card members exclusive benefits at over 1,400 hand-picked luxury properties. The list is vetted and periodically reviewed to ensure every hotel and resort meets Amex's exacting standards. American Express isn't the only credit card issuer to curate a luxury hotel booking program, but Amex Fine Hotels and Resorts sets the standard among them.

Properties are added to and (occasionally) removed from the Fine Hotels and Resorts program over time, so the list isn't static. You'll find far-flung tropical beach escapes, stately mountain ski lodges, lavish city digs, and tranquil countryside retreats in dozens of countries worldwide. These properties range from high-end to very high-end, with many charging thousands of dollars per night. In short, Amex Fine Hotels and Resorts isn't a good fit for traveling on a tight budget, but not all prices are stratospheric, and the program benefits can elevate any stay regardless of cost.

Who can book American Express Fine Hotels and Resorts stays?

To book an Amex FHR stay, you must have an The Platinum Card® from American Express , The Business Platinum Card® from American Express , or  Centurion Card (also known as the Black Card). Different versions of the Platinum card are all eligible, including co-branded cards from Charles Schwab and Morgan Stanley. These are all premium cards that carry hefty annual fees in exchange for high-end benefits.

You must use your eligible card to book your stay, and payment must be made in the primary card member's name. That means you generally can't book Fine Hotels and Resorts stays for other people, though you can book additional rooms for your party.

You can book online through the landing page for Amex Fine Hotels and Resorts or by searching for hotels at American Express Travel and limiting the results to Fine Hotels and Resorts properties. You can also book over the phone by calling the number on the back of your card.

Note that Amex also curates a second list of properties called The Hotel Collection, which is available to those with the American Express® Gold Card and American Express® Business Gold Card , as well as to Platinum and Centurion cardholders. The Hotel Collection is a step down from the Fine Hotels and Resorts program, but still offers high quality and valuable benefits.

Maximizing Amex Fine Hotels & Resorts

There are multiple benefits of booking with American Express Fine Hotels & Resorts. People with the Amex Platinum Card or Amex Business Platinum Card have access to the Fine Hotels & Resorts program, which is a collection of over 1,000 hotels worldwide that offer special perks when booking through Amex, including:  

  • Noon check-in when available
  • Guaranteed 4 p.m. checkout when available

Daily breakfast for two

  • Room upgrade upon arrival when available

Complimentary Wi-Fi

  • Experience credits, like property credits to use at a spa, dining credits, or another unique amenity (often worth $100 or more)

Exact benefits vary by property and can add serious value to your booking. 

I've used this benefit a couple of times and was pleased by how seriously the hotels considered their part in the program. Having late checkout at 4 p.m. can essentially add an extra day to your stay, and comes in handy when you have a late flight. And early check-in can help you get settled sooner if you have a morning arrival. 

Again, you likely won't earn points and elite status if the hotel has its own rewards program. Some people report earning hotel points despite booking through Amex, but it's not guaranteed and I wouldn't count on it. 

That said, the perks you get can be substantial, so it's worth considering on a case-by-case basis whether you want to earn hotel points or use Amex Fine Hotels and Resorts. You can use your benefits to book up to three rooms at a time, and you'll be able to use your perks on all of them. 

Amex Fine Hotels and Resorts Benefits

Cardholders who book through American Express Fine Hotels and Resorts get a set of explicit core benefits, some guaranteed and consistent across the whole portfolio, and others that depend on availability and vary from one property to the next. 

Room upgrade upon arrival

When you check in for a stay booked through Amex Fine Hotels and Resorts, you're eligible for an upgrade to a higher-category room or one with a better view in the same category. Upgrades depend on availability, so you're more likely to be offered one when demand is low — don't expect to get bumped from a standard room to the presidential suite when you show up at a busy resort on a holiday weekend.

Upgrades have the most upside of Amex Fine Hotels and Resorts benefits, but also the greatest variance. The distinctions between hotel room categories are often murky, so an "upgrade" sometimes means getting a room that was recently renovated (for better or worse) or one with an extra amenity you may not care about.

On the other hand, upgrades are not limited to a single category, so you very well could end up in that presidential suite with some good fortune and timing. If you're willing to risk it, you can try to game the upgrade benefit by identifying the room categories at your property and booking one category below the room you really want. Not all room categories are eligible for upgrades, so call ahead if you need clarification.

Amex Fine Hotels and Resorts describes this benefit as a complimentary breakfast for up to two people per room, which is generally accurate. However, the benefit terms clarify that the breakfast is valued at a minimum of $60 per room per day. You may be charged for purchases exceeding that amount, so breakfast isn't strictly "complimentary" depending on menu prices and how much you order.

The daily breakfast benefit is another that varies widely between properties. Some offer a specific complimentary option in one restaurant (like a breakfast buffet). Others offer a range of specific complimentary options in one or more venues, and some simply offer daily statement credits to offset qualifying on-property charges up to the preset amount, even covering multiple transactions.

If this makes the benefit sound unpredictable, don't worry. In my experience, daily breakfast benefit options have always been explained clearly at check-in for Amex Fine Hotels and Resorts stays.

Experience credit

When you book at an Amex Fine Hotels and Resorts property, you're guaranteed an experience credit of at least $100 toward eligible on-property charges. The amount and nature of the experience credit are clearly indicated for each property when you book. 

The benefit is most commonly provided as a statement credit to offset food and beverage charges, spa services, or any purchases billed to your room. However, in some cases, it comes in the form of a specific experience (like a complimentary meal or massage) rather than a credit. The baseline value is $100, but you'll often receive more. I've seen on-property credits offered up to $200, and some of the experiential options have sticker prices well beyond that amount.

You're eligible for the experience credit regardless of how long you stay — even a single night qualifies. That makes it an exceptional value for shorter stays.

Early check-in and late check-out

While the benefits above provide fairly well-defined value, these two are harder to quantify. Nonetheless, early check-in and late check-out are useful in the right conditions, like when you have a morning arrival or evening departure.

Early check-in at Amex Fine Hotels and Resorts starts at noon and is subject to availability; if your room is unavailable, then you'll have to wait until it's ready. Regardless of the official early check-in time, some hotels will accommodate you before noon if they can.

Unlike early check-in, the late 4 p.m. checkout is guaranteed. In my experience, Fine Hotels and Resorts properties are proactive about honoring this benefit, so you shouldn't have to worry about your key demagnetizing prematurely or hotel staff entering the room while you're still in it.

The final core benefit of the Amex Fine Hotels and Resorts program is free Wi-Fi, which is guaranteed even if the property normally charges for it. At properties where Wi-Fi charges are folded into another mandatory fee (like a resort fee), a daily credit will be applied to your bill at checkout to offset the cost.

Other benefits of booking with American Express Fine Hotels and Resorts

Aside from the core benefits listed above, there are other perks of booking with the Fine Hotels and Resorts program, some more tangible than others.

First, Amex maintains a list of special offers available at select properties. These include complimentary nights (like a free fourth night), discounts on nightly room rates, on-property credits, and more, all provided in addition to the core benefits. Special offers show up in standard Fine Hotels and Resorts searches, so you don't have to browse the linked page to find them.

Next, Fine Hotels and Resorts bookings are eligible for the Amex Amex Platinum Card's up to $200 annual hotel credit (minimum two-night stay), so you can stack that discount on top of the other benefits you receive. You'll also earn 5 points per dollar for booking Amex Fine Hotels and Resorts stays with your Amex Platinum Card.

Finally, you may receive an elevated level of service when you check in as a Fine Hotels and Resorts guest. That has consistently been my experience, especially comparing stays at a single property booked through Amex versus other channels. The differences in service are subtle and hard to define, but palpable.

Important considerations for booking with American Express Fine Hotels and Resorts

The terms and conditions of the Amex Fine Hotels and Resorts program are mostly benign to cardholders, but there are a few potential pitfalls and other details to keep in mind.

Reservations are mostly prepaid

When you book through Amex Fine Hotels and Resorts, you typically pay for room charges and taxes up front, while additional charges (like resort fees and incidentals) are paid at the property. You can sometimes opt to put down a deposit rather than prepay the entire reservation. Either way, bookings are mostly cancelable, but Amex does not impose a universal cancellation policy, so keep yourself out of trouble by reading the hotel's cancellation policy in the listing before you book.

Benefits are non-transferable

 All perks and credits must be used during your stay (i.e., prior to checkout). You can't save or bank them for later, so use them or lose them.

Back-to-back stays count as one

If you or your party book separate stays at the same property within a 24-hour period, it will be considered a single stay and only eligible for one set of Fine Hotels and Resorts benefits. In other words, you can't rack up multiple experience credits by making separate reservations on consecutive nights at the same property.

Benefits apply to multiple rooms

 You can book up to three rooms for an Amex Fine Hotels and Resorts stay, and all three are eligible for the full slate of benefits. That adds a lot of value to the program for those traveling in a group.

You must present a valid Amex card in your name at check-in

In addition to booking Fine Hotels and Resorts stays with an eligible American Express card, you must present a valid Amex card at check-in to cover incidentals. However, the card you check in with doesn't have to be the one you used to make your reservation. If you canceled your Amex Platinum Card or simply forgot to bring it, for example, you could provide another Amex card. The terms say the card you present must be in the name of the primary guest, but my wife and I had no trouble presenting my Amex card at check-in for a reservation in her name.

Hotel rewards and elite benefits are not guaranteed

Many hotels offer rewards and elite benefits only when you book directly. As a result, booking through a third party like Amex Fine Hotels and Resorts may cause you to miss out on those perks. From my own experience and anecdotal evidence, reward outcomes are unpredictable. I've sometimes earned rewards automatically, sometimes earned them upon request, and sometimes been denied. Case in point: The Bellagio Las Vegas honored my MGM status and waived resort fees for one Fine Hotels and Resorts stay, but flatly refused to do so for another.

You can pay with points, but you shouldn't

Amex lets you redeem Membership Rewards points  for Fine Hotels and Resorts stays, but the redemption rate is only 1 cent per point. That's far below our average valuation of 1.8 cents for Amex points, so save your points for transfers to airline and hotel partners (or other award redemptions that provide a better return).

Leveraging The Hotel Collection for additional value

If you have Amex Platinum Card, Amex Business Platinum Card, Amex Gold Card, or Amex Business Gold Card, you can also access the Hotel Collection, which also offers room upgrades and a $100 onsite credit for dining, spa, or resort activities at 600+ hotels.

The Hotel Collection is entirely separate from Fine Hotels and Resorts, and has different hotels that participate with minimal overlap. When you book through Amex, Platinum cardmembers will earn 5x points per dollar on prepaid bookings, and Gold cardmembers will earn 2x points. 

You can pay with cash at the time of booking or at hotel checkout after your stay. Or you can pay with points, or a combination of points and cash on prepaid bookings only. And there's the same guidance about earning hotel points here, too. You might decide you'd rather have the $100 hotel credit rather than points, depending on the hotel. 

To use this benefit, you must book a minimum stay of two nights, and can't book consecutive stays within 24 hours of each other. This benefit is available for up to three rooms per stay. So if you book three rooms at the same time, you can get a total onsite credit of $300 between three rooms maximum. 

Book Flight + Hotel packages through American Express Travel

The point of booking a vacation package is usually to save money, take advantage of a promotion, simplify the booking process, or all of these. You can search for a flight and hotel, then pay one price for everything. 

Amex doesn't give you a breakdown of how much the flights and rooms cost, and only shows savings on selected hotels. However, when you search for flights and hotels individually and compare the prices, you'll find the savings are often hundreds of dollars, especially on longer trips. 

To book, select the "Flight + Hotel" tab and enter where you want to go, along with the number of travelers and how many rooms you want to reserve. 

You'll see a list of hotels, along with the price per person, total price, and cost if you want to pay for the trip with your Membership Rewards points. Select the hotel you want to stay at, then you'll see a list of flight options. The cheapest flights are already included in the price, but you can select alternate flights for an upcharge. 

Likewise, the cheapest room options are displayed in the base price, but you can pay more for a different room, like a mountain or beach view, a double or king room, or a suite, depending on what's available at the hotel you select. 

I priced out a couple of packages. For the first, I didn't find any notable differences. Booking flights and hotel separately cost nearly the same. But for another, the savings were substantial even though they weren't explicitly stated on the Amex Travel portal. It's worthwhile to compare, especially if you're interested in earning points if the hotel participates in a loyalty program. Otherwise, prices are comparable or better in most cases. 

Similar to booking airfare separately, for each airline ticket you purchase as part of a package, you'll pay $6.99 per domestic ticket and $10.99 per international ticket. This fee is waived if you have a Amex Platinum Card or Amex Business Platinum Card. You can purchase a maximum of nine tickets per transaction.

Personal and business Platinum cardholders will earn 5x points on their package, and other Membership Rewards cards earn 2x points. 

Book car rentals through the Amex Travel Portal

You can also rent cars through American Express Travel. Just type in the city or airport where you want to pick up a car and the dates and times you'll need it under the "Cars" tab. 

You'll see a list of your options starting with the lowest price. At a glance, you can see the price per day, total price, and what's included with the car. On the left side, you can add filters for the car type, price, rental car company, and any special features you're looking for (like an automatic transmission and four-wheel drive). 

Prices are usually the same or comparable to other booking sites or booking directly. However, I always check a couple of different places to make sure I'm getting the best deal. It's worth comparing, especially if you're looking to add a second driver to the reservation, or need to drop the car off later in the day. I've found different sites can vary a lot in pricing, so recommend shopping around. 

You can use cash, points, or a combination to pay for prepaid rentals, or use cash to pay at the counter. 

When you use your Membership Rewards card to pay for your rental, you'll earn 2x points.

Book cruises with American Express Travel

You're able to book a cruise on most of the popular cruise lines around the world through American Express Travel under the "Cruises" tab on the homepage. I found the prices were similar to other booking sites with the main difference being the specific promotions, like onboard credits or prepaid gratuities. Certain websites also run sales, so it's worth shopping around if you're not committed to a particular route or ship. 

After you enter where you want to go and how many nights you'd like to spend on the water, you're taken to a list of results, along with a prominent section for special offers, which are mostly onboard credits. This is worth exploring to get some ideas if you're open. 

And if you have Amex Platinum Card or Amex Business Platinum Card, you can also take advantage of the Cruise Privileges program, which partners with several big-name cruise lines. When you book through Amex Travel, you'll receive an onboard stateroom credit worth up to $100 to $300, and another exclusive amenity that varies by cruise line like premium wine or extra food options. 

If you have the Amex Green Card, you'll earn 3x points per dollar spent booking your cruise through Amex Travel. All other Membership Rewards-earning cards earn 2x points. 

American Express Travel Frequently Asked Questions

Yes, people who don't have Amex credit cards can still book travel through the American Express portal. 

After you log into your Amex Travel account, you can find all of your travel reservations by clicking on the "My Trips" tab toward the top right of the page. 

If you need to change or cancel a reservation, you can do so online through your AmexTravel.com account, or by calling 1-800-297-2977.

How can I use my Membership Rewards points to book travel?

Amex cardholders can use Membership Rewards points to book flights, hotels, and more directly through the American Express Travel website or app, often with the option to pay with points, by card, or a combination of both.

Yes, booking through American Express Travel can grant you access to exclusive benefits like room upgrades, early check-in/late check-out, and complimentary breakfast at participating Fine Hotels & Resorts and The Hotel Collection properties.

Many American Express cards offer complimentary travel insurance benefits, including travel accident insurance, baggage insurance, and car rental loss and damage insurance. Coverage details and eligibility may vary by card.

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How to cancel your Amex Travel booking online

Andrew Kunesh

No one wants to cancel a trip, but when you're faced with unforeseen circumstances like illness, a canceled meeting or — as we've seen in recent months — the coronavirus outbreak , it's important to have a course of action in place for when you do need to cancel a trip.

Canceling a trip booked directly through the airline is pretty simple — generally, you can do this on the airline's website or by calling up the airline. However, things get tricky when you need to cancel airfare booked through a credit card portal like Amex Travel . Canceling a ticket booked with Membership Rewards points can be difficult if you don't know where to look.

Things get even more confusing when your travel is covered by a carrier-issued travel waiver of change and cancellation fees. These are generally issued when airlines think they will cancel a lot of flights at once, helping save gate and ticket counter agents time at the airport.

Here's how to cancel travel booked through the Amex Travel — bookmark this guide and refer to it the next time you need to book travel booked with Membership Rewards points.

For more TPG news delivered to your inbox daily, sign up for our daily newsletter .

Check your common carrier's website for information

When you book travel through Amex Travel, your travel is covered by the change or cancellation policy of the airline, hotel car rental company that you're booked with. For example, if you booked a United Airlines flight through Amex Travel, you're subject to United's change and cancellation policies . Before you start the change or cancellation process for a ticket, make sure you know your carrier's policy.

Due to current circumstances with the coronavirus and travel restrictions , most U.S. travel providers are waiving fees for changing or canceling plans. You can find this information on your airline or hotel's website. TPG has also compiled current U.S. airline and hotel policies regarding changes made to travel due to coronavirus:

  • Coronavirus hotel change and cancellation policies: What to know
  • Flight waivers in place at U.S. carriers

Canceling American, Delta, and United tickets with a coronavirus waiver

Amex Travel recently started letting customers booked on American, Delta and United cancel and change tickets directly through the airline. Doing this is pretty simple too — just find your reservation on the airline's website and follow the instructions to amend your reservation.

Screenshot showing how to cancel ticket on United.com

With United, for example, type your confirmation number and last name into the My Trips window on the United homepage and click the Search button. Then, click the Cancel flight or Change flight button at the top of the screen and follow the on-screen prompts.

As is the case with all airlines, canceling your flight will generally result in future flight credit, not a refund to your original form of payment. In the case of the example above, this means that you'd receive a United credit in lieu of your Membership Rewards points.

Changing a flight will be subject to the airline's specific travel waiver. Make sure to check the specifics for American , Delta , and United before you opt to change your flight, so that you know what to expect.

Related Reading: Can I cancel or change a ticket booked through the Amex or Chase Travel Portal due to coronavirus?

Canceling other airfare with a coronavirus waiver

(Photo by Zach Griff/The Points Guy)

Tickets booked with another airline through Amex Travel that's subject to a travel waiver can still be canceled online, but with a few caveats. Amex Travel has an online form that you can use to cancel your tickets.

The main restriction to keep in mind is that your departure date must be must be more than five days away. These restrictions are in place because the cancellations are manually processed and the Amex team is likely swamped right now. If you're looking to cancel travel booked within the last 24 hours or your departure is within the next five days, you'll need to call Amex.

The 24-hour rule is especially important. Per Department of Transportation (DOT) regulations, airlines must let travelers cancel tickets within 24 hours of booking for a full refund to the original form of payment. Make sure to call Amex Travel if you just booked travel and need to cancel.

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If your flight is eligible, using the online form the cancel airfare only takes a minute or two. Just navigate to the form, enter your airline record locator, Amex Travel ID and answer a few on-screen questions. Then, submit the form and your cancellation will be processed within the next few days.

After submitting this form, Amex will follow up with you over email when your itinerary is canceled. The refund depends on the airline's specific travel waiver , so make sure to check with the airline you're booked with for more information.

We highly recommend that you don't use this form for travel on American, Delta or United — instead, follow the steps in the last section. This will ensure that your cancelation is processed correctly and that you're not adding unnecessary stress to the cancellation team at Amex Travel.

What if I want to change my plans, not outright cancel?

Itinerary changes are processed differently than outright cancellations and — in the case of the coronavirus waiver — depend on the specifics of your airline's travel waiver. With this in mind, check your airline's specifics before you proceed with changing a flight.

As discussed, changing an American, Delta or United flight can be done through the airline's website. You have to call in changes to itineraries to flights operated by other airlines by calling Amex Travel at 1-800-297-2977. It's important to know your airline's cancellation policy before you call so you're not met with any surprises.

Also, note that hold times may be longer than usual when calling in changes during the coronavirus outbreak. We've heard reports of customers waiting hours to get in touch with a phone representative, so be prepared to call back if there's you experience an unrealistically long hold time.

What if my travel isn't 5+ days away?

If your travel is within the next five days, you must call Amex Travel to cancel your flight. Again, this is because the online cancellation form is manually processed. Your cancellation may not be processed in time and your ticket may not be eligible for a refund after the fact.

You can call Amex Travel at 1-800-297-2977 to cancel your trip if it's within the next five days. Again, you may need to wait on hold, but it will be worth it in order to receive a refund if you're entitled to one.

What about hotel and rental car reservations?

Hotel and rental car reservations can often be canceled on the Amex Travel website. Navigate to the My Trips page on Amex Travel and locate the reservation you'd like to cancel. In most cases, this process can be handled entirely online.

Amex Travel has made an exception for all hotel reservations made prior to Mar. 19, 2020 with check-in scheduled through Apr. 30, 2020. These reservations can be canceled with no penalty so long as its done at least 24 hours prior to when the stay is set to begin. All stays — including restrictive prepaid reservations — are eligible for this exception.

All other hotel stays are subject to the hotel's individual cancellation policy. Some hotels may offer a coronavirus travel waiver, so make sure to contact the hotel beforehand so that you know what to expect when you cancel.

Rental car reservations are all subject to the cancellation policy imposed by the rental car company, but all reservations can be canceled directly through Amex Travel. You should be due a full refund for canceling your rental car in most cases.

Will I be refunded in points or as a statement credit?

Your refund will depend on how your carrier chooses to process your refund. If you cancel a Delta ticket , for example, the airline will issue an eCredit that can be used towards a future reservation. However, if you cancel a hotel or other type of travel reservation that issues a refund to the original form of payment, you will receive your refund in the form of a statement credit, not Membership Rewards points.

If you receive a refund in the form of a statement credit and you originally paid for your travel booking with Membership Rewards points, you may be able to convert the statement credit back to points. Amex Travel's website notes that cardmembers in this situation can call 1-800-296-3276 and request that the points are reinstated.

TPG resources

TPG is dedicated to helping readers navigate travel changes during the global coronavirus outbreak. We've built an extensive library of travel news, advice and guides that are meant to keep you up in the know on how the coronavirus outbreak is changing the travel world. Make sure to bookmark our dedicated coronavirus page to stay up to date.

Looking for a good place to start? Check out these guides:

  • Here's what to consider if you're thinking about booking future travel now
  • The best credit cards that offer trip cancellation and interruption coverage
  • These are the global coronavirus travel restrictions by country
  • Complete guide to airline elite status during the coronavirus outbreak
  • Tips to reach airline customer service quickly
  • Complete guide to hotel elite status during the coronavirus outbreak

Bottom line

Amex Travel has made it easier than ever to cancel bookings made through its portal. Whether you're canceling through the online form or directly through American, Delta or United, it's miles easier than calling Amex Travel and waiting on hold. Plus, you're saving time for people that do need to call to cancel a reservation.

Remember, though, there are still a couple of cases where you'll need to call Amex Travel to cancel a reservation. Namely, if you just booked a ticket or have travel within the next five days. So with this in mind, make sure to proactively cancel online if you can.

And with that: stay safe out there. Make sure to check CDC recommendations before you start traveling again. This will keep everyone safe and will only expedite our return to normalcy in the travel world and beyond.

Feature photo by Al Diaz/Miami Herald/MCT via Getty Images

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    American Express partners with 21 travel programs. You can transfer Amex points to these airline and hotel loyalty programs, often instantly, at varying ratios.

  24. Contact Us

    American Express Travel Online. on the lower righthand side of your screen, when an agent is available to assist. Call Us. Online Travel booking enquiries: Monday - Friday 07:00 - 18:00 (AEST) 1300 303 877 from Australia. +612 9151 0138 from overseas. Travel Insurance enquiries: 1800 230 566.

  25. American Express Credit Cards, Rewards & Banking

    American Express offers world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more.