I have a united visa with premier 1k status & an Amex platinum. What do those with the same cards use to book travel with, to maximize points, and insurance coverage regards to delayed bags etc? TIA

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I think you’re asking about two different things. The United visa may provide you with more UA bonus miles on purchases, but other benefits are more limited. AmEx plat includes new travel protections (hotel reimbursed for delays, lost bags) and 5x MR points per $1 on air travel. So it depends on what points you’re trying to accumulate.

But I thought the Amex Platinum Baggage Insurance only kicks in once the bags are “lost” nothing for delayed bags...

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