American Express Business Cards Are Showing “As High As” Offers — Up to 300,000 Points

That’s right — Up to 300,000 Points!

American Express has made its elevated welcome offers publicly accessible on two of its top business cards. For a while, catching offers like these meant opening tab after tab in incognito browser windows and hoping for the best. That’s no longer the case.

Right now, you can follow our “As High As” links below to see the exact offer you qualify for — no tricks required.

We’re covering two cards: the The Business Platinum Card® from American Express and the American Express® Business Gold Card.

The Business Platinum Card® from American Express — As High As 300,000 Points

This is the headline offer. Here’s the official language:

You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

The previous high on this card was 200,000 points for the same spend requirement — so 300,000 points represents a meaningful jump. Not everyone will see the top-tier offer. It’s the best available and will be in high demand.

One thing worth emphasizing: if you pull the 300,000-point offer and you’re ready to meet the spend, take it immediately. Offers aren’t guaranteed to stick around if you navigate away and come back. We’ve seen people pull a record offer on a personal Amex card, wait to apply, and end up with a lower number the next time they checked.

Click here to check your offer on the Business Platinum Card®

The Business Platinum Card® from American Express

How to apply Card Details

🔔 Notify me of bonus offer changes

American Express is an Advertising Partner

The Business Platinum Card® from American Express

(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:

$895 (Rates and fees)

👑 Best Ever Offer

You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer. Terms Apply.

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• 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 $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• 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. Gift cards are not an eligible purchase. 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+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• 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.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• 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.
• 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
• Terms Apply.

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• 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 $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• 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. Gift cards are not an eligible purchase. 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+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• 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.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• 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.
• 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
• Terms Apply.

Pros

• Robust 5x Membership Rewards® on flights and prepaid hotels at Amex Travel
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass™ Select membership, and more.
• Unlock over $4,000 in business and travel value annually on the Business Platinum Card.

Cons

• High annual fee of $895
• While there are variety of generous statement credits, they are mostly specific to certain merchants: i.e. Dell, Adobe, Indeed, etc.
• Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.

Annual Fee: $895 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren’t ideal, they can transfer to Marriott and Hilton as well. 

ANA provides almost unbeatable value for booking a Round the World flight all in Business Class.

The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents.

We’ve also created a Guide to American Express Membership Rewards.

Point Value:

$0.017

APR: 17.74%-28.49% (Variable)

• 2x

  Single Charges over $5,000

  
  On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
• 2x

  U.S. Electronic Goods Retailers / Software / Cloud System Providers

  
  On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
• 2x

  Shipping

  
  On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
• 1x-5x

  Airfare

  
  Must be booked via Amex Travel to earn 5X; otherwise earn 1X
• 1x-5x

  Hotels

  
  Must be booked via Amex Travel to earn 5X; otherwise earn 1X
• 1x

  All Other Eligible Purchases

American Express® Business Gold Card — As High As 200,000 Points

The Business Gold Card has a strong offer running as well:

You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

The Business Gold Card earns 4X Membership Rewards points on your top two eligible spending categories each billing cycle, from this list:

• 4X on U.S. purchases from electronic goods retailers and software & cloud system providers
• 4X on monthly wireless telephone service charges made directly from a U.S. wireless provider
• 4X on transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• 4X at U.S. media providers for advertising in select media (online, TV, radio)
• 4X at U.S. gas stations
• 4X at U.S. restaurants, including takeout and delivery

The 4X rate applies to up to $150,000 in combined eligible purchases per year. After that, you earn 1X on those categories. All other eligible purchases earn 1X as well.

Same advice applies here: if you see the 200,000-point offer, that’s the ceiling. It won’t go higher, but it can go lower.

Click here to check your offer on the American Express® Business Gold Card

American Express® Business Gold Card

How to apply Card Details

🔔 Notify me of bonus offer changes

American Express is an Advertising Partner

American Express® Business Gold Card

(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:

$375 (Rates and fees)

👑 Best Ever Offer

You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer. Terms Apply.

• As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
• Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• Terms Apply

• As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
• Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• Terms Apply

Pros

• You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
• Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
• Card membership includes the very well regarded American Express customer service

Cons

• The high annual fee, despite being worth it for high spenders
• If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
• Car rental CDW coverage is secondary to your own auto insurance

Annual Fee: $375 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren’t ideal, they can transfer to Marriott and Hilton as well. 

ANA provides almost unbeatable value for booking a Round the World flight all in Business Class.

The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents.

We’ve also created a Guide to American Express Membership Rewards.

Point Value:

$0.017

APR: 17.74%-28.49% (Variable)

• 4x

  Gas Stations

  
  Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
• 4x

  Dining Out / Food Delivery

  
  Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
• 4x

  Advertising (Online / TV / Radio)

  
  Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
• 4x

  U.S. Electronic Goods Retailers / Software / Cloud System Providers

  
  Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
• 4x

  Cellular Phone Service

  
  Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
• 4x

  Transit

  
  Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
• 3x

  Airfare

  
  3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
• 3x

  Hotels

  
  Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
• 1x

  All Other Eligible Purchases

We have a Guide to American Express Membership Rewards points that goes into all the amazing ways you can spend these points.

Here are a few ways you might spend a chunk of your 300,000 points:

• Emirates First or Business Class (yes, the on board shower…)

• Japan Airlines (JAL) First Class (book using Cathay Pacific, a oneworld partner and Amex transfer partner).

• Fly the famous Qatar “QSuites” Business Class

• 300,000 Amex points would convert to 600,000 Hilton Honors points. Since this card comes with Hilton status, you get the 5th night free on an award. And with the spend to earn the Welcome Bonus you are actually at well over 300,000 points. 640,000 points would get you 5 nights at the Conrad Maldives Rangali Island!

I could go on and on and on….

The point is: 300,000 points buys a LOT of luxury travel!! So this deal is worth jumping on if you are eligible. You are eligible if you have a business (even a side business – must have some sort of business income reported on your taxes or have a new business that will) and if you haven’t had the card you are applying for. 

(Note that if you last had one and closed it 7+ years ago, you’ll generally be approved.)

Click here to check your offer on the Business Platinum Card®

Click here to check your offer on the American Express® Business Gold Card

Questions About Either Card?

If you want to dig into the benefits, figure out long-term suitability, or just talk through either card, Dave and a team of moderators — along with over 48,000 members — are available around the clock in our Facebook Group.

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