Lesser-known benefits of the Amex Business Platinum card

Quick summary

A premium business card offers a wide range of travel and purchase benefits, including statement credits for select merchants, lounge access and travel protections.
Cardholders can access perks such as airline fee credits, hotel and dining credits, and discounts on airfare and private jet programs.
Additional protections include trip cancellation, trip delay, lost or stolen baggage, car rental coverage, purchase protection, extended warranty and return protection.
There are also exclusive services like concierge assistance, preferred event seating, and automatic transaction logging with select accounting software.

What to consider

Eligibility for welcome offers and benefit levels may vary and are subject to terms, conditions and limitations.
Some benefits require enrollment or activation before use, and certain credits are only valid for purchases at specific merchants or providers.
Coverage limits and exclusions apply to insurance protections, and geographic or merchant restrictions may affect availability.

What you'll miss from the article

A detailed breakdown of lesser-known perks, coverage limits and strategies for maximizing the full suite of business card benefits.

Generated by AI with support from our editorial team.

Update: Some offers mentioned below are no longer available. View the current offers here.

The Business Platinum Card® from American Express, despite its $895 annual fee (see rates and fees), routinely ranks as one of the best business cards thanks to its outstanding travel benefits.

Its current welcome bonus allows new cardholders to find out their offer and see if they're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer. This offer is worth up to $6,000 according to TPG’s April 2026 valuations.

But the card also offers a slate of perks that might not be as familiar to cardholders or those considering getting the card. Here’s a list of some of the card’s best benefits, including some you might not have noticed before.

The card’s well-known benefits

As a reminder, here’s the card's current offer and some of its more notable travel benefits.

The Business Platinum Card: Find out your offer and see if you're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.

business owner — KATE_SEPT2004/GETTY IMAGES

The card’s well-known benefits include:

Annual airline-fee statement credit of up to $200 on charges by the airline you select
Annual statement credit of up to $150 in statement credits on U.S. purchases made directly at Dell and an additional $1,000 statement credit after spending $5,000 or more per calendar year.
Annual $250 Adobe statement credit after spending $600 or more on U.S. purchases made directly with Adobe per calendar year.
Up to $360 in statement credits per year for purchases with Indeed; Up to $90 back per quarter
Up to $120 in statement credits per year for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card; up to $10 back per month.
35% Pay with Points bonus when booking airfare with points through Amex Travel (up to 1 million bonus points per calendar year) for eligible flights with your selected qualifying airline
$120 fee credit for Global Entry every 4 years or an up to $85 fee credit for TSA PreCheck every 4.5 years
Up to $209 Clear+ annual statement credit per calendar year (subject to auto-renewal)
Access to the American Express Global Lounge Collection, which includes Centurion Lounges, Priority Pass lounges and Delta Sky Clubs (limited to 10 annual visits). Access is limited to eligible cardmembers.
Register for complimentary Gold elite status at Hilton and Marriott Hotels
Complimentary car rental status: Hertz Gold Plus Rewards President’s Circle, Avis Preferred Plus and National Emerald Club Executive
Ability to book stays through Amex Fine Hotels & Resorts with value-added perks
International Airline Program airfare purchase discounts
Up to $600 Hotel Credit (up to $300 semiannually)
Global Dining Access by Resy. New Platinum nights by Resy in Miami, Los Angeles and New York City

Enrollment required for select benefits.

The card’s lesser-known benefits

Now that we’ve got the top-banner travel benefits out of the way, let’s get into the nitty-gritty perks that cardholders might not be taking advantage of or even know they have:

Trip cancellation and interruption insurance*

If you book a round-trip flight entirely with your eligible card and the flight is canceled for a “covered reason” — including inclement weather, terrorist action, call to jury duty, sudden illness or injury to you or an eligible traveler or physician-led quarantine — you may receive reimbursement of nonrefundable travel expenses of up to $10,000 per trip, with a maximum of up to $20,000 per eligible account for each consecutive 12-month period.

Trip delay insurance*

The card’s trip delay protection covers round-trip flights purchased entirely with an eligible card. (This includes using the card to pay taxes and fees on award tickets or Pay With Points tickets.) If your trip is delayed by more than six hours because of a covered reason, this perk will reimburse unexpected expenses — such as meals, lodging and personal-use items — up to $500 per trip and up to two claims per card per consecutive 12-month period.

Lost or stolen baggage insurance**

Like many other travel cards, this one offers insurance for lost or stolen bags. When you use your card to purchase the entire fare on a common carrier, coverage is provided up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage per person. For New York State residents, there’s a $2,000 limit per bag/suitcase for each covered person with a $10,000 aggregate maximum for all people per trip.

Car rental loss and damage insurance

This is secondary rental insurance, rather than the primary insurance offered by other cards like the Chase Sapphire Reserve® (see rates and fees), but will cover you up to $75,000 for damage or theft.

Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

Purchase protection**

This oft-overlooked benefit gives cardholders coverage up to 90 days from the date of purchase if an item is stolen, accidentally damaged, etc. The coverage is limited to up to $10,000 per occurrence and up to $50,000 per account per calendar year to repair, replace or reimburse you for the item.

Extended warranty**

This benefit adds up to one extra year to the original manufacturer’s warranty of five years or less. Coverage is up to $10,000 per item and $50,000 per account per calendar year.

Return protection

Return protection provides refunds to cardholders when a merchant won’t take back an eligible item up to 90 days from purchase. The benefit applies to eligible purchases charged entirely to your card up to $300 per item, and up to a maximum of $1,000 per account per calendar year, based on the date of purchase.

Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details.

Pay Over Time feature

This is especially handy for small-business owners whose cash flow might be irregular at times. If eligible, cardholders can enroll and pay certain purchases over time, though they do accrue interest on the balance, as with a credit card.

Concierge

Cardholders have access to a special phone service that can assist with tasks such as booking restaurants and events, or delivering items on demand. You must call to activate this benefit, but you can also sign up for texting for more convenience.

Preferred Seating Program

Thanks to Amex’s connections, its high-end cardholders get access to premium seats for cultural and sporting events based on availability.

Premium Private Jet Program

Cardmembers who purchase a Delta Private Jets Card (now part of Wheels Up) are entitled to a 20% discount off published fares for select fare classes in effect when booked.

Connect to QuickBooks

Amex business cardholders get this perk, which automatically logs transactions using their associated card to their Quickbooks account daily, which makes keeping track of purchases and expenses that much easier.

InCircle

This is Neiman Marcus’s loyalty program. When you enroll your Business Platinum Card with InCircle, you receive 1 point for every dollar of eligible purchases charged on your card at Neiman Marcus, Bergdorf Goodman, Last Call, Horchow or Cusp. For every 10,000 points you earn, you’ll get a $100 InCircle Point Card. Points are not awarded for the costs of sales tax, shipping, alterations, gift packaging, fur services, repair and cleaning of shoes, handbags, optical, precious jewelry, monogramming, salon products and services, and valet parking.

Departures Magazine

This is a digital luxury magazine exclusively for The Platinum Card® from American Express and Business Platinum Card members.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

Bottom line

Although the Business Platinum Card comes with plenty of widely advertised perks, several lesser-known benefits can add tremendous value to the card if you maximize them.

These include travel and purchase protections, exclusive access to events, premium travel experiences and more. If you carry the card or are thinking of applying for it, be sure to read the card’s benefits guide in detail to take advantage of all it has to offer.

Apply here: The Business Platinum Card from American Express

For rates and fees of The Business Platinum Card from American Express, click here.