Kim, the Platinum AE has a rental car policy that is very good but it does cost you $25 (I think) per rental. You have to sign up for the car insurance program online and when you rent with the card it automatically covers you, beyond what most other cards typically do. There are some countries that it is not valid like Italy if I remember correctly, but on SXM you are covered. The Platinum is expensive, and as you said if you take advantage of what it offers you can get most if not all your cost back.
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