Pros & Cons

Pros

  • +Welcome Bonus: 300,000 points
  • +Up to 5x on travel
  • +Lounge access included

Cons

  • High annual fee ($895/yr)

Our Review

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

Elevated Welcome Offer: Earn up to 300,000 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.

Rewards

All Spending

1x

American Express Membership Rewards pts per dollar

Travel

5x

American Express Membership Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel5x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

37,200

American Express Membership Rewards/yr

Estimated Value

$372

After Fees

$-523

1st Year Value

$2,477

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 5x9,000 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.24x
Total points earned37,200 pts
Value of points accumulated in the first year$372

Annual benefits

  • $600
  • $200
  • $219
  • $360
  • $120
  • $250
  • $150
Total benefits$0

Perks & Benefits

Airport lounge access

Priority PassUnlimited (Inscription requise.)
Amex Centurion LoungeUnlimited (Inclut aussi les Escape Lounges.)
Delta Sky Club10 visits

NEXUS membership

Included

Fine Hotels + Resorts / Hotel Collection credit

$600

Airline fee credit

$200

CLEAR+ membership credit

$219

Indeed credit

$360

Wireless telephone credit

$120

Adobe credit (min. $600 spend)

$250

Dell credit (base tier)

$150

Additional Benefits

Premium Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; emergency medical transportation/evacuation may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline (Premium Global Assist Hotline Benefit Guide). Return Protection: if you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges, and up to a maximum of $1,000 per Card Member account per calendar year (Return Protection Benefit Guide). Up to $1,150 Dell Technologies Credit; $300 ChatGPT Business Credit; $250 Adobe Credit; up to $360 Indeed Credit; up to $120 Wireless Credit; No Preset Spending Limit; Pay Over Time. Travel benefits: 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; Fine Hotels + Resorts® — a complimentary suite of benefits worth an average total value of $550 per stay; Leaders Club Sterling Status from The Leading Hotels of the World® (enrollment required); Marriott Bonvoy® Gold Elite Status; Hilton Honors™ Gold Status; Car Rental Privileges with Avis, Hertz and National; No Foreign Transaction Fees; 35% Airline Bonus — 35% points back after using Pay with Points for flights booked through Amex Travel with your selected qualifying airline; Trip Delay Insurance (covered delays over 6 hours, up to $500 per trip); Trip Cancellation and Interruption Insurance (up to $10,000 per trip); Baggage Insurance Plan; Car Rental Loss and Damage Insurance. Travel credits: 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®; up to $200 Airline Fee Credit per calendar year for incidental fees charged by one selected qualifying airline; up to $219 CLEAR+ Credit per calendar year; up to $200 Hilton Credit (up to $50 quarterly for Hilton for Business members, enrollment required); The Hotel Collection: a $100 credit towards eligible charges on a two-night minimum stay booked with AmexTravel.com. Fee Credit for Global Entry or TSA PreCheck®: either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® application fee (through a TSA official enrollment provider), every 4 years when charged to the Business Platinum Card. Lounge access: The Centurion® Lounge.

Travel Insurance

Trip Cancellation

Up to $10,000

Trip Interruption

Up to $10,000

Lost Baggage

Up to $3,000

Flight Delay

Up to $500

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+1 years

Mobile Device

Up to $800

Auto Rental Collision (secondary)

Up to $75,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $895
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • Elevated Welcome Offer: Earn up to 300,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
  • See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
  • New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
  • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
  • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
  • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
  • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
  • Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 5X points on flights and prepaid hotels on AmexTravel.com
  • 1X points on other eligible purchases
  • $895 Annual Fee.
  • Terms Apply.

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