American Express Business Platinum Card
The Business Platinum Card® from American Express
Annual fee: $895 — Terms Apply. See rates and fees.
Current welcome offer
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
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.
My Take
My husband held the Business Platinum Card® from American Express for two years and we got real value out of it — but I'll be honest, it took real effort too.
When we first had it we were able to make the math work by staying on top of the statement credits. But when the annual fee increased to $895, we made the decision to take a break. The card wasn't the problem — the mental energy of keeping up with every credit was. When you're a busy family running a business, tracking credits across a dozen different categories eventually becomes its own part-time job.
That said, for the right business owner this card is genuinely exceptional. The lounge access alone is worth hundreds of dollars if you're a frequent solo traveler — with access to more than 1,550 airport lounges across 140 countries through the American Express Global Lounge Collection®, including Centurion Lounges and 10 complimentary Delta Sky Club® visits per year when flying on an eligible Delta flight. The up to $200 airline fee statement credit, up to $200 Hilton statement credit, and up to $600 hotel statement credit through Fine Hotels + Resorts® or The Hotel Collection are all highly usable if travel is a regular part of your business life.
The earning structure is also worth noting — you'll earn 2x Membership Rewards® points at U.S. construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more up to $2 million of these purchases per calendar year. For businesses with significant spending in those categories this card can generate points quickly.
The spending limit on the Business Platinum Card® is flexible — unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Note: The Business Platinum Card® from American Express allows you to carry a balance with interest for certain charges, but not all.
One thing worth noting: like all Amex business cards, this one doesn't count toward your 5/24 status, and you can open it regardless of where you are in your personal Amex card journey.
How to Earn Rewards
Benefits
- Access to 1,550+ airport lounges across 140 countries through the American Express Global Lounge Collection®
- 10 complimentary Delta Sky Club® visits per year when flying on an eligible Delta flight
- Up to $200 annual airline fee statement credit on a selected qualifying airline
- Up to $200 annual Hilton statement credit at Hilton properties globally. Enrollment required.
- Up to $600 hotel statement credit (up to $300 semi-annually at Fine Hotels + Resorts® or The Hotel Collection via Amex Travel)
- Up to $360 Indeed statement credit (up to $90/quarter). Enrollment required.
- Up to $250 Adobe statement credit after spending $600 or more directly with Adobe per calendar year. Enrollment required.
- Up to $150 Dell statement credit on U.S. purchases directly with Dell Technologies. Enrollment required.
- Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business. Enrollment required. Subject to auto-renewal.
- Up to $120 wireless telephone statement credit ($10/month for U.S. wireless service purchases). Enrollment required.
- Up to $209 CLEAR+ membership statement credit (subject to auto-renewal)
- Global Entry or TSA PreCheck® statement credit
- No foreign transaction fees. See rates and fees.
- Flexible spending limit — adapts based on purchase, payment, and credit history
- Purchase protection
- Extended warranty
- Trip cancellation and interruption insurance
- Trip delay insurance
- Baggage insurance plan
- Car rental loss and damage insurance
- Points transfer to airline and hotel partners
- Doesn't count toward 5/24
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.
Is This Card Right For You?
✓ Best for
Business owners who travel frequently and will use lounge access
Solo business travelers who spend a lot of time in airports
Anyone who will actively track and use the monthly statement credits
Business owners with high travel spending
Those looking to earn points without affecting 5/24 status
✗ Not ideal for
Casual points and miles enthusiasts
Anyone who won't keep up with the many monthly statement credits
Those without significant business travel expenses
Anyone looking to avoid high annual fees
Business owners who rarely fly or visit airports
Is This Card Worth It For You?
Enter how much of each benefit you'll realistically use to see your personal value.
Offer History
The current standard public offer on the Business Platinum Card® from American Express is as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership — a significant spend requirement, so make sure your business expenses can support it before applying.
As far as offers go, this is as good as it gets for this card so it's a great time to apply!
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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.
