How do the $200 travel and $200 dining credits actually work?

The $200 annual travel credit is automatically applied to eligible travel purchases (flights, hotels, car rentals) charged to the card. The $200 annual dining credit works similarly on eligible Canadian restaurants, including takeout from many partner establishments. Combined with the $100 NEXUS credit every 4 years, these credits fully offset the $399 annual fee in any year you use them. Both credits reset on January 1, so plan year-end purchases carefully if you applied late in the year.

Is unlimited lounge access really unlimited on the Amex Platinum?

Yes. The card grants unlimited complimentary access for the cardholder and one guest to over 1,400 airport lounges through Priority Pass Select, Centurion, Plaza Premium and Maple Leaf Lounge networks (when flying Air Canada). There are no annual visit caps, unlike most competing cards which limit you to 4 to 10 visits per year. For travellers passing through Canadian airports more than 6 times a year, this benefit alone often delivers more than $500 in annual value.

Can I transfer Membership Rewards points to Aeroplan?

Yes, and it is one of the best uses of the points. Membership Rewards transfer to Aeroplan at a 1:1 ratio, meaning the 100,000 point welcome bonus becomes 100,000 Aeroplan points, enough for a round-trip business class flight to Europe. Other partners include Flying Blue (Air France/KLM) and British Airways at 1:1, plus Marriott Bonvoy at a favourable 100,000:120,000 conversion. Transfers are usually instant, which is handy when you spot last-minute award availability.

Does the Amex Platinum give me Marriott or Hilton elite status?

Yes. The card includes complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status as long as your account remains active. Marriott Gold delivers room upgrades when available, 25% bonus points and 2 PM late checkout. Hilton Gold adds free breakfast at most properties and a fifth night free on award stays. For frequent hotel guests, these statuses alone can deliver several hundred dollars per year in food, upgrade and benefit value.