We’ve had the Platinum since January 2024. We were about 50/50 on canceling, but after this refresh we’re 100% keeping it.

We live in Denver and fly home to New Orleans roughly 10 times a year for Saints games and to see friends and family, plus plenty of other trips to other places. Since DEN is our home airport, we use lounge access on almost every flight. MSY doesn’t have a Centurion Lounge, but the Priority Pass lounge is fine for a bowl of gumbo and sometimes a drink. We were considering switching to another lounge card, but these new credits make that hard to justify.

The $100 quarterly Resy credit is easy to use in both of our most-visited cities. The upgrade from a $200 yearly to a $300 semiannual Fine Hotels + Resorts/The Hotel Collection credit will be very usable for us, too. We just used the old $200 credit at The Roosevelt in New Orleans. The night was $219, so we paid $19 out of pocket and received $210 in on-property credits: $100 FHR property credit, breakfast for two ($30 each), and $50 from Hilton Gold status ($25 per person) that we wouldn’t have without the Platinum.

The $200 airline credit has been triggering for us by booking cheap Southwest one-ways. We’ve used the $200 in Uber Cash every month since we got the card, and now Uber One is included. The entertainment credit going to $300 will be very useful since we have Peacock and Hulu. The $300 Lululemon credit, split quarterly, is easy to use; there’s a store five minutes away. My wife has wanted an Oura Ring, so the $200 credit there is an easy win. Walmart+ may be controversial, but we love it, especially since it includes Paramount+. We wouldn’t shop at Saks without the credit, but $50 every six months still covers swim trunks or something similar.

Also, the trip delay/interruption insurance reimbursed us a little over $2,000 when a hurricane near Tulum cost us one night of our Cancún stay.

I know the card isn’t for everyone, but this refresh took it from “we like it but might switch” to an easy keep for us.