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    Amex Platinum

    $695/yr. Worth it? Depends.

    $695/yr but lots of credits

    • $200 airline fee credit.
    • $200 hotel credit (FHR/THC).
    • $240 streaming/digital credit.
    • $200 Uber credit.
    • $155 Walmart+ membership.
    • $189 CLEAR Plus credit.
    • $300 Equinox credit.
    • If used = $1,400+ value.
    • If you'd use anyway.

    Premium benefits

    • Centurion Lounges (best airport lounges).
    • Priority Pass.
    • Marriott Gold + Hilton Gold.
    • 5X points flights + hotels.
    • Global Entry credit.
    • Hotel breakfast + early check-in (FHR).
    • Travel insurance excellent.

    Worth it for seniors who...

    • Travel 3+ times/year by air.
    • Use airline lounges (international travel especially).
    • Use Uber regularly.
    • Stream + use streaming services.
    • Stay at premium hotels.
    • Use most credit benefits.
    • Otherwise — overkill.

    Skip if

    • 1-2 trips/year.
    • Don't fly internationally.
    • Won't use most credits.
    • Tight budget.
    • Don't want chase complex credits.
    • Chase Sapphire Preferred ($95) much better value.

    Better senior cards

    For most seniors: Chase Sapphire Preferred ($95) = better value. Or FREE Costco Citi Visa + Chase Freedom Unlimited. Amex Platinum = lifestyle card for frequent international travelers. Most seniors fine without.

    Amex Platinum Worth It for Seniors? | TekSure