The Business Platinum Card from American Express Hotels & Lodging

When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts. When you book through American Express

Value Analysis

Face Value

$550

Estimated Value

$550

You receive onboard credits ($100-$300) only on new cruise bookings made through Amex Travel with an eligible card, and only if the trip is at least five nights, booked under double occupancy, and paid entirely with that card. Benefits vary by cruise line and stateroom type, cannot be transferred, and may not combine with other offers. Credits apply per stateroom, with a limit of three per sailing, and cannot be used for gratuities, casinos, or similar charges. Unused credit is forfeited. Only U.S. Platinum and Centurion Members qualify, and participating cruise lines may change at any time.

Pro Tips

1. 1Book through the official program with your eligible card and choose cruises of at least five nights to receive onboard credits.
2. 2Pick balcony or suite cabins when possible, since they earn higher credits.
3. 3If traveling with others, book up to three staterooms under the same account to maximize total value.
4. 4Always compare prices on Amex Travel with other agents or cruise line offers to be sure the credit is worth it.

Value Analysis

Face Value

$600

Estimated Value

$15

The credit is capped at $50 per quarter, $200 per year, and shared across all cards on the account. You must have both a Hilton Honors account and a Hilton for Business account; if you do not have the latter, one will be created for you. Only direct charges with Hilton properties qualify. Gift card purchases stop qualifying after January 31, 2026. Third party bookings and incorrectly coded charges will not trigger credits.

Pro Tips

1. 1Enroll early and link your Hilton Honors and Hilton for Business accounts so charges qualify.
2. 2Use the credit on Hilton stays or on incidentals like dining, spa visits, or room service.
3. 3If you are not staying overnight, you can still trigger the credit with on property dining or bar charges.
4. 4Make sure the hotel bills you directly, since third party bookings or travel agency stays often do not code correctly.

Value Analysis

Face Value

$200

Estimated Value

$40