The Business Platinum Card® from American Express

The Business Platinum Card from American Express is a premium travel rewards card that offers many benefits for business owners who frequently travel. With its robust rewards program and extensive perks, this card can provide significant value for the right user. However, its high annual fee and complex structure may not suit all businesses. Terms apply.

Welcome Offer

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Rewards Structure

The Business Platinum Card offers a tiered rewards system that heavily favors travel purchases:

• Earn 5X Membership Rewards® points on flights and prepaid hotels booked through amextravel.com.
• Earn 1.5X points on eligible purchases in select business categories and purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).
• Earn 1X points on all other eligible purchases.

This structure rewards business owners who frequently book travel through American Express but may offer less value for those with diverse spending needs.

Travel Benefits

Where The Business Platinum Card truly shines is in its travel perks:

• Access the American Express Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs (when flying Delta), and Priority Pass Select lounges (enrollment required).
• Complimentary Hilton Honors Gold status and Marriott Bonvoy Gold Elite status (enrollment required).
• Up to $200 in statement credits per calendar year for incidental fees and one qualifying airline charge (enrollment required).
• Fee credit for Global Entry or TSA PreCheck.
• There are no foreign transaction fees. See rates and fees.

These benefits can significantly enhance the travel experience for business owners and their employees.

Business-Focused Perks

The card also offers several benefits tailored to business needs:

• Up to $400 in statement credits annually for U.S. purchases with Dell Technologies (enrollment required). Through 12/31/2024.
• Up to $360 in statement credits annually for Indeed hiring and recruiting products and services (up to $90 per quarter, enrollment required). Through 12/31/2024.
• Up to $150 in statement credits annually for select Adobe purchases (enrollment required). Through 12/31/2024.
• Up to $120 in statement credits annually for wireless telephone services purchased directly from U.S. service providers (enrollment required).

These credits can help offset the card's annual fee and provide value for businesses that use them.

Annual Fee and Other Charges

The Business Platinum Card comes with a $695 annual fee. While this is steep, businesses that can fully utilize the card's benefits may find it worthwhile. Like any credit product, there are other potential fees, such as late payment fees. Refer to the card's Rates and Fees document for the most up-to-date information.

Who Should Get This Card?

The Business Platinum Card from American Express is best suited for:

1. Business owners who frequently travel for work can take advantage of the luxury travel perks.
2. Those who book significant travel through amextravel.com to maximize point earnings.
3. Businesses that can benefit from the various statement credits offered.

Who Should Consider Other Options?

This card may not be the best fit for:

1. Small businesses with limited travel needs.
2. Those who prefer a more straightforward reward structure.
3. Businesses looking for a low-annual-fee card.

The Business Platinum Card from American Express offers premium travel rewards and benefits that can provide significant value for frequent business travelers. However, its high annual fee and complex structure mean it's not for everyone. Carefully consider your business's spending patterns and travel needs to determine if this card suits you.