Use your $200 American Express Platinum Airline Credit with United Airlines Travel Bank

American Express’ US Platinum (Personal & Business) cardholders can use annually $200 Flight Credit it comes with a card on a calendar year basis that can be used for additional airline expenses.

American Express offers this Airfare Credit in the form of cashback after making a purchase and sending it to an eligible credit card – but it’s There are some obstacles to consider.

Officially, these are debts incidental expenses only payment of passengers with their Platinum card, such as seat upgrades, rental fees, pet fees, seat fares and the like.

Eligible airlines are included Alaska Airlines, American Airlines, Delta Air Lines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines, and United Airlines.

Airline tickets, upgrades, mileage purchases, mileage rewards, gift cards, duty-free purchases, and vouchers are (again, officially) no calculation of contingency fees.

There are some examples that have been around for a long time, but with the constant changes that Amex has put in you don’t know what they will refund or which purchases will stick in your account without getting it back. something.

Here are the full T&C for Airline Credit:

$200 Flight Fee Credit

Benefits are available to Platinum Card Members and Corporate Members only. To receive credit of up to $200 per calendar year for incidental airline charges issued to the eligible Card, the Card Member can select one eligible airline through their American Express Online Account.

Eligible airlines include Alaska Airlines, American Airlines, Delta Airlines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines, and United Airlines. Eligible airlines can only be selected by the Executive Director or Account Manager authorized on the Card Account. Card Members who have not selected one eligible airline will be able to do so at any time. Card members who have already selected one of the eligible airlines will be able to change their selection once each year in January through their American Express Online Account or by calling the number on the back of the Card. Card Members who do not change their flight options will remain with their current airline. Note: The applicable airline fees must be paid to the Card Member on the Card Account eligible for the benefit to be used. Incidental flight fees paid by Primary and Additional Cardmembers on the Card Account are eligible for credit. However, each Card Account is eligible for a total of $200 per year in account information on all cards on the Account. Airline contingency fees must be separate from the cost of the airline ticket. Fees not paid by the Card Member’s chosen airline (eg wireless internet and fees with partner airlines) are not eligible for credit. information. Incidental fees paid prior to selection of an eligible airline are not eligible for informational benefits. Airline tickets, upgrades, mileage purchases, commercial invoices, gift cards, duty-free purchases, and vouchers are not considered fees. suddenly. The airline must provide payment under the applicable merchant code, industry code, or required service or product identification for the fare. declaration of a contingency fee for air travel. Please allow 6-8 weeks after the emergency travel bill is issued to your Card Account for credit information to be posted to the Bank Account. We expect airlines to provide accurate flight information, please call the number on the back of the Card if Information not provided after 8 weeks from date of purchase. The Cardholder remains responsible for paying all fees on time. To be eligible for this benefit, the Card Account(s) must not be canceled and not passed during the credit reporting process.

Over the years I’ve had success redeeming American Airlines gift cards, earning gift cards under $100 and purchasing gift cards under $100 and those are usually redeemable. It seems that American Express has relented and stopped refunding all of these items. Mostly because the airline provided the fares to match the traffic signal.

In January of 2022, I was able to get $120 back on an Alaska Airlines ticket after I was able to convince someone at Amex that for a pet fee. I really hate playing these games.

One option that is still working, however (as of January 2023) is the United Airlines Travel Bank, an electronic wallet that works like a gift card but is tied to a specific Mileage Plus account.

Can you find the United Airlines website for Travel Banking here.

Keep in mind that United has a history of closing Travel Bank sales for long periods of time without prior notice. No idea why they do this, but this is one of the reasons I decided to buy my 2x $100 Travel Cash right away and be done with it.

Remember that you must select your flight prior to purchase or the transaction will not be eligible for reimbursement.

It only takes five days for the credit to appear in my account:

I’ve also used the Award Accelerator in the past, buying a few miles instead of Travel Cash:

How to Use $100/$200 American Express Airline Credit for American Standard Gold/Platinum cards?

No guarantee this still works. I can say that with confidence Travel Bank is still as good as it was four days ago.

I want to make sure to get all the important credit from the Platinum card, especially since the annual fee has increased to $695. It’s impossible to get all of them, and most of them (like the $300 Peloton credit) are completely worthless to me. I think it’s easy to get rid of airline debt and hotel debt. For the Saks credit, I have to go to the US but I can in April when I go on my cruise.

Of course, if there are unexpected fees in the particular airline, there is no need to try to play games to earn $200. The “problem” is, once you get a reputable agent, there are almost no unexpected fees that you have to pay back.


I don’t like the uncertainty of the Amex Airline credit, and it played a big role in my decision to cancel it for the following year. At least the Chase CSR credit is a fully flexible travel credit and they really mean “Travel”, as it includes public transport tickets, taxis, Uber/Grab etc. Chase credit is as good as cash, but Amex. , you just have to run around.

In previous years it was still possible to buy gift cards, but they (Amex) have realized that they have to eliminate that option as well. If you are an Elite member of the airline or buy special tickets, there is no “fee” you have to pay, so this credit is no longer valid. At least for now, the United Travel Bank option is working well. Who knows how long? Better to do it sooner rather than later.

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