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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.
Points Earned
37,200
American Express Membership Rewards/yr
Estimated Value
$372
After Fees
$-523
1st Year Value
$2,477
incl. welcome bonus
Breakdown
Annual benefits
- $600
- $200
- $219
- $360
- $120
- $250
- $150
Perks & Benefits
Airport lounge access
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
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
Fees and interest rates
- Annual Fee$895
- Foreign currency conversion fee0%
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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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.
