American Express
Business Platinum Card®
Key Features
| Annual Fee | $895.00 |
| Network | American Express |
About this card
The American Express Business Platinum Card is a premium card with significant benefits, but its high annual fee and specific spending requirements make it a card best suited for a niche audience. Its strengths lie in its excellent travel rewards, luxury perks, and generous sign-up bonus. The 5x points on flights and hotels, coupled with lounge access and various statement credits, offer substantial value for frequent travelers. However, the $895 annual fee is a major deterrent, and the card's value is highly dependent on maximizing its benefits. The APR is irrelevant as it is a charge card. Its reputation is solid, and it generally appeals to established businesses. However, the card's value proposition is mixed; while it offers exceptional rewards for travel-heavy businesses, the high cost and complexity of its benefits make it less attractive to others.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Lounge membership
- Luxury perks
Things to consider
- High annual fee
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- AS HIGH AS 300,000 Membership Rewards® Points after you spend $20,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
Rewards
- 5X POINTS On Flights & Prepaid Hotels Booked through American Express Travel including, Fine Hotels + Resorts® and the Hotel Collection. You can also get 5X Membership Rewards® points on all flights booked on AmexTravel.com.
- 2X POINTS On Key Business Purchases Earn 2X points on eligible purchases in key business categories, or on single purchases of $5K or more. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Earn 2X on up to $2 million of these purchases per calendar year.
- 1X POINTS On Other Eligible Purchases Terms and limitations apply.
Other features
- Up to $600 Hotel Credit Statement credits up to $300 semi-annually on prepaid bookings through Amex Travel with Fine Hotels + Resorts® or The Hotel Collection®. The Hotel Collection requires a minimum two-night stay.
- $550 in Value with Fine Hotels + Resorts® Unlock a suite of benefits with an average total value of $550 when you book Fine Hotels + Resorts through Amex Travel.
- $850+ in Value with The Global Lounge Collection® Over $850 of annual value with access to Centurion Lounges, 10 complimentary Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass Select membership (enrollment required), and other select partner lounges.
- Up to $200 Hilton Credit Hilton for Business members can get statement credits of up to $50 quarterly on eligible purchases made directly with Hilton. Enrollment required.
- Up to $200 Airline Fee Credit Statement credits up to $200 per calendar year for incidental fees charged by your one selected qualifying airline.
- Up to $209 CLEAR® Plus Credit Statement credits up to $209 per calendar year for an auto-renewing CLEAR® Plus Membership, excluding taxes and fees.
- 35% Airline Bonus Get 35% points back after you use Pay with Points for flights booked through Amex Travel with your selected qualifying airline, up to 1,000,000 points back per calendar year.
- Leaders Club Sterling Status from The Leading Hotels of the World® Enjoy bespoke benefits at over 4001 independent luxury hotels across the globe with complimentary Leaders Club Sterling Status from The Leading Hotels of the World®. Enrollment required.
- The Hotel Collection Receive a $100 credit towards eligible charges when you book two nights or more with The Hotel Collection with AmexTravel.com. The Hotel Collection requires a two-night minimum stay.
- Fee Credit for Global Entry or TSA PreCheck® Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with the Card. If approved for Global Entry, at no additional charge, you will receive access to TSA Pre-Check.
- Up to $1,150 Dell Technologies Credit Statement credits up to $150 on U.S. purchases directly with Dell Technologies, and an additional $1,000 statement credit after you spend $5,000 or more on those purchases, per calendar year. Enrollment required.
- $250 Adobe Credit A $250 statement credit per calendar year after you spend $600 or more on U.S. purchases directly with Adobe in a calendar year. Enrollment required.
- Up to $360 Indeed Credit Statement credits up to $90 per quarter for U.S. purchases made directly with Indeed. Enrollment required.
- Up to $120 Wireless Credit Statement credits up to $10 per month for wireless phone service purchases made directly with a U.S. wireless telephone service provider. Enrollment required.
- Pay Over Time Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
- No Preset Spending Limit No Preset Spending Limit can give you flexibility in ways traditional credit cards don’t. The amount you can spend adapts based on factors such as your purchase, payment, and credit history. Rather than having a set limit, you could grow your purchasing power the more you consistently use your Card and regularly make payments.
- Access even more value after you spend $250,000 on qualifying purchases on the Business Platinum Card.
- $2,400 American Express One AP® Statement Credit Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees after you spend $250,000 on eligible purchases on the Business Platinum Card in this calendar year. Statement credits will be applied to your monthly bill charged to the Card for our accounts payable solution, One AP.
- $1,200 Amex Travel Online Flight Statement Credit Unlock up to $1,200 in statement credits on flights booked on AmexTravel.com with the Business Platinum Card, for use in the next calendar year, after spending $250,000 in eligible purchases in this calendar year.
- Platinum Travel Service Platinum Travel Consultants specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.
- Now select a limited-edition mirror design or classic Business Platinum.
Additional Notes
Know if you're approved with no personal credit score impact

