Having a family makes just about everything more expensive. Trust me, I've spent years raising four kids, and I've learned a thing or two about making every dollar — and every credit card perk — count.

The American Express Platinum Card® might have a reputation as a card for business travelers and luxury jet-setters, but it's surprisingly family-friendly, too.

From airport lounge access and hotel perks to everyday savings, here's how to make the Amex Platinum work for your whole family.

I'm actually writing this article from an airport lounge at Dallas Fort Worth International Airport (DFW), where I'm riding out a long layover with my kids.

Having a place to spread out, grab some food and give everyone a little breathing room (including me!) makes traveling together a whole lot easier. But getting the whole family into a lounge? That's another story.

The Amex Platinum provides access to the American Express Global Lounge Collection , which includes Centurion Lounges , and Priority Pass lounges. At Centurion Lounges, cardmembers pay $50 per adult guest or $30 for children ages 2 to 17. Spending $75,000 in eligible purchases in a calendar year unlocks complimentary access for up to two guests, but that's a steep threshold.

Here's a better strategy: Before paying Centurion Lounge guest fees, check for a participating Priority Pass lounge . Amex Platinum cardmembers can bring up to two guests at no additional charge, without meeting a spending requirement. Enrollment is required, and individual lounges may restrict guest access.

For larger families, adding another Platinum cardmember for $195 annually (see rates and fees ) could also be worthwhile. Two adults with eligible Platinum Cards and separate Priority Pass enrollments, for example, could bring four kids into a participating lounge without paying guest fees.

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Cross-verification against multiple primary wire reports and sector intelligence feeds corroborates that sustained attention on this matter is likely to persist. Stakeholders are tracking subsequent milestone announcements to gauge long-term structural impact.

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