Business Platinum from Amex

Best for large purchases

Business Platinum is a multifaceted Card that offers more than just business luxury travel perks. Unlock over $1,400 per year in value with the Business Platinum Card® for statement credits on select purchases, including tech, recruiting, travel and more. Enrollment required. Terms apply.

At a glance

  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • 1.5X Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1X 1X points for each dollar you spend on eligible purchases.
120,000 points
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your new Card in the first 3 months of Card Membership. Terms apply. See terms for additional information.
29.99% Variable
17.24% - 25.24% Variable
$695
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.

At a glance

  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • 1.5X Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1X 1X points for each dollar you spend on eligible purchases.
120,000 points
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your new Card in the first 3 months of Card Membership. Terms apply. See terms for additional information.
29.99% Variable
17.24% - 25.24% Variable
$695
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
Apply now for The Business Platinum Card® from American Express at American Express's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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4/5

Overview

It’s hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it’s certainly not the card for the average consumer, a business owner with tons of expenses — especially related to travel — will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel

Who is this card good for?

When you pay a  high annual fee, you can expect the card to come with the perks to follow. If you’re a frequent traveler and own a business or a side hustle, the Amex Business Platinum will be an incredible asset. If you’re looking for access to thousands of lounges worldwide (including the popular Amex Centurion lounges), a 35% airline bonus on first or business class tickets through Amex Travel (up to 500,000 points per calendar year), elite status through Marriott and Hilton and more, certain business owners can justify the annual fee.

Earning Rewards

You’ll earn all your rewards through Amex’s Membership Rewards program. Earn 5x on flights and prepaid hotels through Amex Travel, 1.5x points on eligible purchases in select business categories as well as  on each purchase of $5,000 or more; on up to $2 million of these purchases per calendar year and 1x on other purchases.

Frequently asked questions

  • Is the Business Platinum Card from American Express worth it?

    If you have thousands of dollars in business spend, this card will not only help you earn bonus points on your purchases but snag you luxury travel perks that are hard to find elsewhere. With the high annual fee, you’ll want to take a deep dive and see if you can take advantage of all the Amex Business Platinum has to offer, whether it’s finding value from the statement credits or travel benefits that come with the card.

  • How long does it take to get the Business Platinum Card from American Express?

    You should receive your new card in seven to 10 days. You’ll find your new card in a white envelope that has the American Express logo with an Omaha, Neb. return address.