American Express is significantly updating the benefits for its premium American Express Platinum Card® and The Business Platinum Card® from American Express, introducing new perks for home-sharing platforms while also adjusting existing lodging credit terms. These changes aim to broaden the cards’ appeal to modern travelers and business professionals.

A key enhancement involves the integration of Airbnb bookings directly into the Amex Travel™ platform. This means cardholders can now book over a million Airbnb listings through American Express Travel®, and both Platinum and Business Platinum cardholders will earn an elevated 5X Membership Rewards® points on prepaid Airbnb bookings made via the platform. Concurrently, the annual hotel statement credit, which offers up to $600, has been rebranded as a lodging credit. While it now applies to prepaid Airbnb Luxe bookings of two nights or more, a notable change is the introduction of a two-night minimum stay requirement for all eligible bookings, including Fine Hotels + Resorts® reservations, effective January 1, 2027. Previously, Fine Hotels + Resorts® bookings did not have this minimum.

Further expanding the Airbnb partnership, both consumer and business Platinum cardholders can now receive up to $250 in annual statement credits for Airbnb Experiences. This credit applies to prepaid Airbnb Luxe stays booked through AmexTravel.com or the Amex Travel App™, allowing cardholders to enjoy various local activities and tours. For Business Platinum cardmembers specifically, American Express has introduced a complimentary ZO membership from Tishman Speyer. This benefit provides access to over 20 ZO Clubhouse or Studio coworking spaces across major U.S. cities, along with up to $500 in annual statement credits for event space bookings or Dining Club memberships at these locations, catering to the evolving needs of remote and hybrid workers.

Key Takeaways

• American Express Platinum and Business Platinum cards now allow Airbnb bookings via Amex Travel, offering 5X points on prepaid stays.
• The annual lodging credit (up to $600) now includes Airbnb Luxe but requires a two-night minimum stay for all eligible bookings, including Fine Hotels + Resorts from January 1, 2027.
• Business Platinum cardholders gain a complimentary ZO coworking membership and up to $500 in credits for event spaces or Dining Club memberships at ZO/Studio locations.

Editor’s Analysis & Impact

American Express’s strategic move to integrate Airbnb and enhance business-centric perks reflects a keen awareness of evolving consumer and professional travel trends. By including Airbnb, Amex taps into the booming home-sharing market, broadening its value proposition against competitors. The simultaneous tightening of lodging credit rules, particularly the two-night minimum for Fine Hotels + Resorts, suggests a recalibration of benefit costs or an encouragement of longer, more profitable stays. For the industry, this could signal a trend of premium card issuers diversifying beyond traditional hotels. The addition of ZO coworking benefits for Business Platinum cardholders directly addresses the rise of remote and hybrid work models, positioning Amex as a relevant partner for modern entrepreneurs. Overall, these changes aim to solidify Amex’s standing in the luxury travel and business services sectors, albeit with a nuanced adjustment to existing perks.

Frequently Asked Questions

Q: How do Amex Platinum cardholders earn points on Airbnb bookings now?
A: Cardholders can earn 5X Membership Rewards points on prepaid Airbnb bookings made directly through the Amex Travel™ platform.

Q: What is the main change to the Amex Platinum annual lodging credit?
A: The annual lodging credit, previously focused on hotels, now extends to prepaid Airbnb Luxe bookings. However, it now requires a minimum two-night stay for all eligible bookings, including Fine Hotels + Resorts from January 1, 2027, which previously had no such requirement.

Q: What new benefit is available for Business Platinum cardholders?
A: Business Platinum cardholders now receive a complimentary American Express® ZO membership, providing access to coworking spaces and up to $500 in annual statement credits for event space bookings or Dining Club memberships at ZO/Studio locations.