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 Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
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.
29.24% Variable
14.24% - 22.24% Variable
See Pay Over Time APR
$595 (10/14-1/12/22)
  • 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.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.

At a glance

  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5X Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
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.
29.24% Variable
14.24% - 22.24% Variable
See Pay Over Time APR
$595 (10/14-1/12/22)
  • 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.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
  • See Rates & Fees
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