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American Express Platinum Wellness Benefits 2026: Complete Guide to $900+ in Health & Fitness Perks
July 1, 2025
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The American Express Platinum Card® delivers over $900 in annual wellness and lifestyle benefits for 2026, covering everything from luxury gym memberships to wearable health trackers, premium workout apparel, and high-end skincare. With the card's $895 annual fee (see rates & fees), understanding and maximizing these wellness-related perks is essential to justify the premium price tag.
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How to Activate Amex Platinum Wellness Benefits
Before making any purchases, you must enroll in each benefit through your American Express account. Log into your Amex account online or via the mobile app, navigate to "Amex Offers & Benefits," and individually enroll in each wellness offer. Credits will not trigger automatically without prior enrollment.
For Equinox specifically, enrollment must be completed through platinum.equinox.com. Credits will not process if you subscribe through the Equinox app or regular website.
Amex Platinum Wellness Benefits Breakdown
$300 Equinox Credit
Annual value: Up to $300 in statement credits per calendar year
Equinox is a luxury fitness brand with over 110 clubs across the U.S., Canada, and the UK. Platinum cardholders can apply this credit toward:
Equinox Club Memberships:
- All-Access membership ($275/month) grants access to 80+ U.S. clubs
- Destination Access membership provides access to select locations
- E by Equinox membership for the brand's premium tier locations
Equinox+ Digital Membership:
- $40/month ($480/year) for virtual fitness classes
- Access to live and on-demand classes from Equinox, SoulCycle, Rumble, Pure Yoga, TB12, and more
- Covers 7.5 months of membership with the $300 credit
- Ideal for cardholders without a physical Equinox location nearby
The credit is distributed annually, giving you flexibility in how you use it. Enrollment is required at platinum.equinox.com, and memberships must be set to auto-renewal.
Bonus benefit: As an Equinox+ member with the Platinum Card, you can receive an additional up to $300 statement credit toward a SoulCycle at-home bike ($2,500 retail price).
$200 Oura Ring Credit
Annual value: Up to $200 in statement credits per calendar year
The Oura Ring is a wearable health tracker that monitors sleep quality, activity levels, stress, heart health, and more. The Oura Ring 4 starts at $349, meaning Platinum cardholders pay just $149 after the credit.
Important note: The $200 credit applies only to the Oura Ring hardware purchase, not the required monthly membership ($5.99/month or $69.99/year) needed to access full insights and features.
Purchase must be made at ouraring.com with your enrolled Platinum Card. Enrollment required.
$300 lululemon Credit
Quarterly value: Up to $75 in statement credits each quarter (up to $300 annually)
Platinum cardholders receive $75 quarterly statement credits for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. This credit supports workout apparel, athleisure, and accessories designed for active lifestyles.
Maximizing the lululemon credit:
- Shop the "We Made Too Much" sale section for discounted items
- Browse lululemon's secondhand marketplace for additional savings
Enrollment required. Credits reset quarterly, so unused amounts do not roll over.
$155 Walmart+ Credit
Monthly value: Up to $12.95 in statement credits each month (up to $155 annually)
While not exclusively a wellness benefit, Walmart+ membership includes features that support healthy living:
- Free delivery from Walmart stores (including groceries and supplements)
- Prescription discounts and free shipping from Walmart Pharmacy
- Free Paramount+ subscription (includes meditation and yoga content)
- Member prices on fuel at Walmart and Murphy gas stations
Use your Platinum Card to pay for a monthly Walmart+ membership (subject to auto-renewal), and the statement credit covers the full $12.95 monthly cost plus applicable taxes. Enrollment required.
$100 Saks Fifth Avenue Credit
Semi-annual value: Up to $50 in statement credits twice per year (up to $100 annually)
While not exclusively a wellness benefit, the Saks credit can be strategically used for health and beauty purchases:
Wellness-Related Purchases at Saks:
- Premium skincare products (La Mer, SK-II, Augustinus Bader)
- Clean beauty and wellness brands
- Aromatherapy and spa products
- High-end supplements and wellness tools
- Luxury bath and body care
The credit is distributed as up to $50 semi-annually:
- January through June: Up to $50
- July through December: Up to $50
Credits do not roll over between periods, so you need to use each $50 credit within its respective six-month window. Purchases can be made at Saks Fifth Avenue retail stores or saks.com. Enrollment required.
Pro tip: Combine the Saks credit with Saks sales events and promotions to maximize value. Many luxury skincare and wellness products at Saks qualify for this credit.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
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Which Amex Platinum Wellness Benefits Are Worth It?
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The Equinox credit delivers the strongest value at $300 annually, particularly for cardholders already paying for luxury gym memberships or interested in premium digital fitness content. The Oura Ring credit effectively reduces the device cost by 57%, making it a solid deal for health-tracking enthusiasts.
The lululemon credit at $75 quarterly is worthwhile if you regularly purchase athletic apparel, though the quarterly structure requires consistent spending to maximize value. Similarly, the Saks credit's $50 semi-annual structure works well for cardholders who already shop for premium skincare, beauty, or wellness products at Saks.
The Walmart+ credit is less wellness-focused but useful for cardholders who order groceries, supplements, and health products online, plus it includes a free Paramount+ subscription with wellness content.
The Bottom Line
The American Express Platinum Card's wellness benefits total over $800 in annual value ($300 Equinox + $200 Oura Ring + $300 lululemon + $155 Walmart+), making them a significant component of the card's overall value proposition against its $895 annual fee. The key to maximizing these benefits is remembering to enroll before making purchases. Most cardholders forfeit hundreds of dollars annually by forgetting this critical step.
Whether you take advantage of one wellness benefit or all four, don't leave money on the table. Enroll in these benefits through your Amex account now.
Frequently Asked Questions
Do I need to enroll in Amex Platinum wellness benefits before purchasing?
Yes. You must enroll in each benefit through your American Express account before making your purchase. If you forget this step, you will not receive the statement credit. For Equinox specifically, enrollment must be completed at platinum.equinox.com.
Are the Amex Platinum wellness credits annual or monthly?
The Equinox credit ($300) and Oura Ring credit ($200) are annual credits. The lululemon credit is quarterly ($75 per quarter, up to $300 annually). The Walmart+ credit is monthly ($12.95 per month, up to $155 annually).
Can I use the Equinox credit if there's no gym near me?
Yes. You can apply the $300 Equinox credit toward an Equinox+ digital membership ($40/month), which provides access to live and on-demand fitness classes from Equinox and partner brands like SoulCycle, Rumble, and Pure Yoga.
Does the Oura Ring credit cover the monthly membership fee?
No. The $200 credit applies only to the Oura Ring hardware purchase, not the required monthly membership ($5.99/month or $69.99/year) needed to access the ring's full features and health insights.
What happens to unused lululemon credits at the end of each quarter?
Unused lululemon credits do not roll over. Each quarter provides up to $75 in statement credits, and any unused amount resets at the beginning of the next quarter.
How long does it take to receive Amex Platinum wellness statement credits?
Statement credits typically post within a few days after your qualifying purchase posts to your account, though it can take up to eight weeks in some cases.
Can I use Kudos to track when my Amex wellness benefits expire?
Yes. Kudos Premium tracks all activated offers and benefits across your cards, showing exactly what you've redeemed versus what's still available before quarterly or annual credits expire.
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