Amex Business Platinum Card: Limited-Time 200,000 Points Welcome Offer (September 2025)

Q: Can I have both the personal and business versions of the Platinum Card?

Yes, you can hold both The Platinum Card® from American Express (personal version) and The Business Platinum Card® from American Express simultaneously. American Express considers these to be different products, so having one doesn't disqualify you from receiving the welcome bonus on the other. This can be a valuable strategy for maximizing benefits, as some credits (like the hotel credit and airline fee credit) are available on both cards, effectively doubling your access to these perks.

Offers Amex Business Platinum Card: Limited-Time 200,000 Points Welcome Offer (September 2025)

To the point Amex Business Platinum offers 200K points ($4,000 value) after $20K spend in 3 months, plus $600 hotel credit and enhanced 2X points on key business purchases.

The Business Platinum Card^® from American Express is currently offering its highest-ever publicly available welcome bonus: a remarkable 200,000 Membership Rewards points after spending $20,000 on eligible purchases within the first three months of card membership. For businesses that can meet this substantial spending requirement, this represents an exceptional opportunity to accumulate a massive stash of valuable points.

While the card recently underwent a refresh that increased its annual fee to $895, it also introduced several valuable new benefits that can help offset this cost. Let’s examine the details of this impressive offer and determine if the Business Platinum Card makes sense for your business.

Welcome Offer Details: 200,000 Membership Rewards Points

The Business Platinum Card® from American Express

Unlock Premium Business Travel Benefits with The Business Platinum Card^® from American Express

Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases within the first 3 months of Card Membership!

The Business Platinum Card^® from American Express delivers exceptional value that can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds. With this premium business card, you’ll enjoy:

Access to 1,550+ airport lounges across 140 countries with the American Express Global Lounge Collection^®
Up to $600 in statement credits annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings
Up to $200 Airline Fee Credit with your selected qualifying airline
Up to $200 back annually on eligible Hilton purchases (for Hilton For Business members)
Up to $209 back annually on CLEAR^® Plus Membership
Up to $1,150 in Dell Technologies credits ($150 statement credit plus an additional $1,000 after spending $5,000+)
$250 Adobe credit after spending $600+ per calendar year
Up to $360 back annually for purchases with Indeed
Up to $120 back annually for wireless telephone services

Business Platinum cardholders earn 5X points on flights and prepaid hotels on AmexTravel.com, 2X points on select business categories and eligible purchases of $5,000 or more (up to $2 million per calendar year), and 1X points on other eligible purchases.

With a flexible spending limit that adapts based on your purchase, payment and credit history, The Business Platinum Card^® is designed to support your growing business needs.

Based on recent valuations of Membership Rewards points at approximately 2 cents each, this welcome bonus is worth around $4,000 in travel value. This makes it one of the most valuable credit card welcome offers currently available and the highest ever publicly offered for this card.

While the $20,000 spending requirement is substantial, it’s designed for businesses with significant expenses. If your business regularly spends at least $6,700 per month, you should be able to meet this threshold within the required timeframe comfortably.

new amex business platinum card architect

Eligibility for the Welcome Bonus

American Express follows a “once-in-a-lifetime” rule for welcome bonuses, meaning you’re only eligible for this offer if you’ve never had the Business Platinum Card before. Specifically, you won’t qualify if you:

Currently have the Business Platinum Card
Previously had this card (or earlier versions of it)
Have been flagged by Amex’s systems for other reasons (such as gaming welcome bonuses)

Important eligibility notes:

You can qualify for this bonus even if you have or had other Amex cards, including the personal Platinum Card or the Business Gold Card
The Business Platinum Card is a charge card, not a credit card, so it doesn’t count toward Amex’s typical limit of five credit cards per person
Business cards generally don’t appear on personal credit reports, so this application shouldn’t count toward Chase’s 5/24 rule
Amex’s application system will typically notify you during the application process if you’re not eligible for the welcome bonus

Key Benefits of the Refreshed Business Platinum Card

Following its recent refresh, the Business Platinum Card now offers an impressive array of benefits and statement credits that can help offset its $895 annual fee. Here’s a comprehensive breakdown of what the card offers (enrollment required for select benefits):

Statement Credits (Over $3,100 in Annual Value)

Benefit	Annual Value	How It Works
Hotel Credit	Up to $600	$300 semi-annually for Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel
Dell Credit	Up to $1,150	$150 base credit plus $1,000 after spending $5,000+ at Dell
Airline Fee Credit	Up to $200	For incidental fees on your selected airline
Hilton Credit	Up to $200	$50 quarterly for purchases at Hilton properties (requires Hilton for Business enrollment)
Adobe Credit	$250	After spending $600+ on U.S. purchases directly with Adobe
Indeed Credit	Up to $360	$90 quarterly for Indeed hiring and recruiting services
CLEAR Plus Credit	Up to $209	For annual CLEAR membership
Wireless Credit	Up to $120	$10 monthly for U.S. wireless telephone services
Global Entry/TSA PreCheck	Up to $120	Every 4-4.5 years

Big Spender Bonus ($250K Annual Spend)

Businesses that spend at least $250,000 on eligible purchases in a calendar year will unlock additional benefits for use in the following calendar year:

Up to $1,200 in statement credits for flights booked through Amex Travel
Up to $2,400 in statement credits for American Express One AP monthly fees (Amex’s automated accounts payable platform)

Enhanced Earning Rates

5X points on flights and prepaid hotels booked through AmexTravel.com
2X points on the following categories (up to $2 million in combined purchases annually, then 1X):
- Purchases of $5,000 or more
- U.S. cloud service and software providers
- U.S. construction materials and hardware suppliers
- U.S. electronic goods retailers
- U.S. shipping providers
1X points on all other eligible purchases

The upgrade from 1.5X to 2X points in key business categories represents a 33% increase in earning potential for these purchases.

Premium Travel Benefits

Comprehensive airport lounge access:
- Centurion Lounges
- Delta Sky Clubs (when flying Delta, up to 10 visits per year)
- Priority Pass Select membership
- Plaza Premium lounges
- Select Lufthansa lounges (when flying Lufthansa)
Hotel elite status:
- Hilton Honors Gold status
- Marriott Bonvoy Gold Elite status
- NEW: Leaders Club Sterling status with The Leading Hotels of the World
35% Airline Bonus: Get 35% of your points back when you use Pay with Points for flights with your selected qualifying airline (up to 1 million points annually)
Cellphone protection: Up to $800 per claim (maximum two claims per year) with a $50 deductible
Travel and purchase protections: Including trip delay insurance, baggage insurance, and extended warranty

Maximizing the 200,000-Point Welcome Bonus

With 200,000 Membership Rewards points, you’ll have access to numerous valuable redemption options through Amex’s transfer partners and travel portal. Here are some possibilities:

International business class flights: Transfer to partners like ANA, Virgin Atlantic, or Air Canada for premium cabin experiences worth $5,000-$10,000
Luxury hotel stays: Transfer to Hilton (with a 1:2 ratio) or Marriott for high-end accommodations
Multiple domestic flights: Book through the Amex Travel portal or transfer to partners like Delta or British Airways for short-haul American Airlines flights
Pay with Points + 35% rebate: Book flights through Amex Travel with your selected airline and receive 35% of your points back, effectively getting 1.54 cents per point in value

Example redemptions with 200,000 points:

Round-trip business class from the US to Japan on ANA (75,000-90,000 points each way)
Up to 10 nights at select Hilton properties (after transferring to Hilton at a 1:2 ratio)
Multiple round-trip transcontinental business class flights within the US
Up to $3,080 worth of flights on your selected airline using Pay with Points with the 35% rebate

lufthansa first 747 — Lufthansa First Class

Is the Amex Business Platinum Card Worth the $895 Annual Fee?

With an $895 annual fee, the Business Platinum Card is undoubtedly a premium product. However, for many businesses, the extensive benefits can more than offset this cost:

First-year value: The 200,000-point welcome bonus alone is worth approximately $4,000, making the first year a no-brainer if you can meet the spending requirement
Ongoing value: The card offers over $3,100 in annual statement credits if fully maximized
Additional value: Lounge access, hotel elite status, and travel protections can add thousands more in subjective value
Big spender bonus: Businesses spending $250,000+ annually can access up to $3,600 in additional credits

The card is particularly valuable for businesses that:

Travel frequently and can utilize the lounge access and hotel benefits
Can easily meet the $20,000 minimum spending requirement
Have significant expenses in the 2X bonus categories
Can maximize at least several of the statement credits
Value the flexibility of Membership Rewards points

However, it may not be the best fit if your business:

Doesn’t spend enough to meet the welcome bonus requirement comfortably
Rarely travels or can’t utilize the travel-focused benefits
Would struggle to use enough statement credits to offset the annual fee
Prefers cash back or simpler rewards programs

Bottom Line

The current 200,000-point welcome offer on the Amex Business Platinum Card represents an exceptional opportunity for businesses that can meet the $20,000 spending requirement. With a value of approximately $4,000, this bonus alone more than offsets the card’s $895 annual fee for the first year.

Beyond the welcome bonus, the card’s extensive suite of benefits—including the new $600 hotel credit, enhanced earning rates, and comprehensive travel perks—can provide substantial ongoing value for businesses that travel frequently and can maximize multiple statement credits.

While the high annual fee and significant spending requirement make this card best suited for established businesses with considerable expenses, those that can leverage its benefits will find the Business Platinum Card to be one of the most rewarding business cards available.

Given that this is the highest public welcome offer ever seen on this card, now is an ideal time to apply if you’ve been considering adding the Business Platinum Card to your business’s financial toolkit.

Frequently Asked Questions

How long will the 200,000-point welcome offer be available?

American Express hasn’t announced an end date for this elevated 200,000-point offer. However, limited-time offers like this typically don’t last indefinitely. Since this is the highest publicly available welcome bonus ever offered on the Business Platinum Card, it’s advisable to apply sooner rather than later if you’re interested. American Express can change or withdraw offers at any time without notice.

Do I need a formal business to qualify for the Amex Business Platinum Card?

You don’t necessarily need a registered corporation or LLC to qualify for the Business Platinum Card. Sole proprietors, freelancers, and gig economy workers can also apply. If you sell goods or services with the intent to make a profit, you likely qualify as a business in Amex’s eyes. When applying, you can use your Social Security Number as your business tax ID and your name as the business name if you’re a sole proprietor without formal business registration.

How does the $600 hotel credit work?

The $600 hotel credit is structured as two $300 statement credits per calendar year (January-June and July-December). To use this credit, you must book prepaid stays through American Express Travel at properties in either the Fine Hotels + Resorts program or The Hotel Collection. Fine Hotels + Resorts bookings require a minimum one-night stay, while The Hotel Collection requires a minimum two-night stay. The credit will automatically apply as a statement credit after your eligible purchase posts to your account.

Can I have both the personal and business versions of the Platinum Card?

Yes, you can hold both The Platinum Card^® from American Express (personal version) and The Business Platinum Card^® from American Express simultaneously. American Express considers these to be different products, so having one doesn’t disqualify you from receiving the welcome bonus on the other. This can be a valuable strategy for maximizing benefits, as some credits (like the hotel credit and airline fee credit) are available on both cards, effectively doubling your access to these perks.

What’s the difference between the 2X points categories and the 5X points categories?

The Business Platinum Card earns 5X points on flights and prepaid hotels booked through AmexTravel.com, with no annual spending cap. It earns 2X points on purchases of $5,000 or more, as well as on purchases with U.S. cloud service and software providers, U.S. construction materials and hardware suppliers, U.S. electronic goods retailers, and U.S. shipping providers. This 2X earning rate applies to up to $2 million in combined purchases across these categories per calendar year, after which these purchases earn 1X points. All other eligible purchases earn 1X points.

How do I maximize the Dell and Adobe credits?

To maximize the Dell credit, first use the $150 base credit for smaller purchases, then make a larger purchase of at least $5,000 to trigger the additional $1,000 credit. For business technology needs, this could include servers, workstations, or bulk orders of laptops and accessories. For the Adobe credit, you need to spend at least $600 directly with Adobe to receive the $250 statement credit. This could cover annual subscriptions to Adobe Creative Cloud, Adobe Acrobat Pro, or other Adobe business software. Remember to enroll in these benefits through your American Express account before making purchases.

Jean-Maximilien Voisine

Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.

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