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The Business Platinum Card® from American Express

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The Business Platinum Card® from American Express

A high-end travel rewards card for small business owners, full of generous perks and credits - and, of course, Centurion Lounge access.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The Business Platinum Card® from American Express

A high-end travel rewards card for small business owners, full of generous perks and credits - and, of course, Centurion Lounge access.

BONUS 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. Terms apply.

💵 Your Projected Rewards Value
Year 1 tbd
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Key facts

At first glance, the The Business Platinum Card® from American Express may have an annual fee that induces sticker shock but with just a little bit of effort, savvy small business owners can maximize the card’s many premium perks and travel benefits — and even come out ahead.

Annual Fee:

$695 (Rates and fees)

AVG Point Value:

$0.017 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

19.49%-28.49% Variable

Foreign Transaction Fee:

0%

Besides premium travel benefits like airport lounge access, elite status with hotels and rental car companies, and other privileges, the Business Platinum card comes with a plethora of statement credits that may actually help defray small business costs. These include more than $1,500 in potential statement credit towards things like wireless service providers, Dell, Adobe, Indeed, and more.

Reward multipliers

Amex Business Platinum card members earn 1.5X per dollar on up to $2 million in eligible purchases in the U.S., per calendar year, in the following select business categories:

  • Electronic goods retailers
  • Software
  • Cloud system providers
  • Construction materials and hardware supplies.
  • Shipping providers.
  • Purchases of $5,000 or more.

Similar to The Platinum Card® from American Express, the Business Platinum card variant also earns 5X per dollar on airfare and prepaid hotel purchases with American Express Travel.

However, it’s important to note that the Business Platinum card does not earn a 5X bonus when booking airfare directly with airlines (as it does with the personal Platinum card from American Express).

It earns 1X on all other eligible purchases.

Earns bonus points for spend in the following bonus categories:

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

5x
Airfare

Estimated Rewards Value: 8.5%

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

5x
Hotels

Estimated Rewards Value: 8.5%

1.5x
Single Charges over $5,000

Estimated Rewards Value: 2.55%

1.5x
U.S. Electronic Goods Retailers / Software / Cloud System Providers

Estimated Rewards Value: 2.55%

1.5x
Shipping

Estimated Rewards Value: 2.55%

1x
Everything Else

Estimated Rewards Value: 1.7%

Key features

1

Unique Card Benefits

‘Pay With Points’ Rebate

Amex Business Platinum card members get a 35% rebate when you use ‘Pay with Points’ through Amex Travel to cover a first- or business-class flights on any airline or an economy ticket on one selected airline of your choice (up to 1 million points back per calendar year). Note that only this Business version of the Platinum card offers this feature. The personal version does not.

Amex Fine Hotels + Resorts

amex fine hotels and resorts, hotel, luxury, premium travel, credit card benefit

Business Platinum cardholders get access to Amex Fine Hotels + Resorts (FHR), an elite status-like program providing hotel benefits like complimentary breakfast for two, noon check-in when available, a guaranteed 4:00 p.m. late checkout, free Wi-Fi, room upgrades when available and a benefit specific to each hotel worth at least $100.

Global Dining Access by Resy

Business Platinum cardholders get Global Dining Access by Resy, a benefit designed to allow members to eat out at sought-after restaurants around the world. This includes exclusive reservations through the Resy app and priority notifications for reservation slots at over 9,000 restaurants.

American Express International Airline Program

With the American Express International Airline Program (IAP), Business Platinum cardholders have access to exclusive first class, business class, and premium economy fares with participating carriers. You’ll need to be logged in to your Business Platinum card account and book through the Amex Travel portal.

Wheels Up Premium Private Jet Program

A niche but unique benefit, the Business Platinum card gives access to a discounted Wheels Up (private jet) memberships. You’ll also get a $500 or $2,000 credit added to your Wheels Up account to use toward an initial flight within the first year, depending on your selected membership.

2

Annual Statement Credits

The American Express Business Platinum comes with a wide array of statement credit opportunities, from travel perks to reimbursed small business expenses, that can completely offset the card’s annual fee (if maximized properly). Here’s a closer look at all of them.

  • Up to $200 in annual airline fee credit, covering incidental fees with one pre-selected qualifying airline.
  • Up to $120 in statement credits each year for wireless phone services purchased directly with a U.S. wireless provider ($10 per month)
  • Up to $400 in statement credits toward U.S. Dell purchases. You get up to $200 in statement credits from January to June and up to another $200 in statement credits from July to December for Dell purchases.
  • Up to $360 in annual Indeed statement credit, broken down as $90 each quarter.
  • Up to $150 in statement credits each year for select prepaid subscriptions with Adobe (like Adobe Creative Cloud).
  • Up to $100 credit towards a Global Entry or TSA PreCheck application fee every 4 to 4.5 years.
  • Use your Card and get up to $189 back per year on your CLEAR® Plus membership – subject to auto-renewal.

For all of the above: Enrollment required. Terms apply.

If you do the math, that’s over $1,500 in statement credit potential without even getting into the other perks of this business card. And while several of these perks may be a bit too niche for cardholders (after all, how many folks will be using a perk such as Indeed), there may be some surprises as well. For instance, there are a wide array of entertainment and home office items you can purchase with the Dell statement credit.

3

Airport Lounge Access

The Amex Business Platinum card comes with access to the Global Lounge Collection, with more lounge location options than any other credit card or airline program.

American Express’s network includes over 1,400 lounges across 140 countries and includes Amex’s proprietary Centurion Lounges and Centurion Studio partner locations. All primary American Express Business Platinum cardholders, as well as authorized users, get complimentary access to Centurion Lounge within three hours of a departing flight (or during layovers). In addition, cardholders receive a Priority Pass membership, access to Airspace lounges, Plaza Premium lounges and Delta Sky Clubs (when traveling on same-day Delta flights).

Only Priority Pass, Airspace Lounges, and Plaza Premium lounges allow for you to bring up to 2 guests. Centurion Lounges are for card members only, unless you either pay a $50 per visit fee per guest (or $30 for children ages 2 to 17) or spend $75,000 on your Platinum card in the previous calendar year. Delta SkyClubs also require a per guest fee of $50.

4

Grants Car Rental Status

With the American Express Business Platinum card, you’ll get some great perks if you rent cars with any frequency.

This includes Hertz Gold Plus Rewards Rewards President’s Circle, Avis Preferred Plus and National Emerald Club Executive Elite elite statuses. At many rental airport locations, you’ll be able to get to choose from a wide selection of cars on the lot and be eligible for upgrades.

5

Grants Hotel Status

hilton, hotel, building

Those with the American Express Business Platinum card get complimentary access to Hilton Honors Gold and Marriott Bonvoy Gold elite statuses.

After enrolling for these perks, you’ll enjoy status without needing to meet usual stay or spend requirements.

Benefits may include additional points on paid stays, room upgrades, late checkout, and with Hilton, breakfast or a daily food and beverage credit (in the U.S.).

6

Earns Transferable Points

Card Membership with the American Express Business Platinum means earning valuable Membership Rewards points. There are a number of ways to redeem Membership Rewards points, including directly through Amex Travel, statement credits, gift cards, donations to charity, etc.

However, transferring your points to the right airline or hotel program is usually the best way to maximize your Membership Rewards points‘ value. Point transfers are instant to a majority of the 18 airline and three hotel partners.

Here is the full list of transfer partners and their respective transfer ratio:

American Express Membership Rewards Transfer Partners
Transfer RatioApproximate Transfer Time *
Aeromexico1:1.6 (1,000 Amex = 1,600 Aeromexico)~4-7 days
Aer Lingus1:1Instant
Air Canada Aeroplan1:1Instant
Air France Flying Blue1:1Instant
ANA1 : 1 (transfers only from Amex and Marriott)~2-3 days
Avianca1:1Instant
British Airways Avios1:1Instant
Cathay Pacific Asia Miles1:1~1-2 days
Delta1:1 (subject to excise tax)Instant
Emirates1:1Instant
Etihad Guest1:1Instant
Hawaiian Airlines1:1 (transfers only from Amex and Marriott; subject to excise tax)Instant
Iberia Avios1:1~1-2 days
JetBlue TrueBlue250 : 200 (subject to excise tax)Instant
Qantas1:1Instant
Qatar Airways Avios1:1Instant
Singapore Airlines KrisFlyer1:1~ 1-2 days
Virgin Atlantic1:1Instant
Choice Hotels1:1Instant
Hilton1:2 (frequent transfer bonuses - look for a better ratio if considering)Instant
Marriott1:1Instant

7

Global Entry / TSA PreCheck Reimbursement

With this Card benefit, Business Platinum card members get $100 in statement credits for either TSA PreCheck or Global Entry, once every 4 to 4.5 years.

8

Trip Protections

Trip Delay Insurance

With air travel being such a crap shoot, it’s reassuring to know that those with the American Express Business Platinum card are covered under a fairly generous trip delay policy. If your trip ends up being delayed, you may be covered as follows:

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance

Plans change, and thankfully, American Express has a robust trip cancellation and interruption insurance policy. If you end up needing to alter a trip because of a covered reason, you may be eligible to be reimbursed.

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan

Amex Business Platinum Baggage Insurance

Frequent travelers, including those who go on many business trips, are well aware of the possibilities of lost luggage. when checking a bag. Thankfully, the American Express Business Platinum is a card that has a solid protection plan.

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip.  For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

9

Cell Phone Protection

It’s worth paying for your phone bill on the Amex Business Platinum for two reasons. First, there’s an up to $120 statement credit opportunity ($10 per month) by using the card with a U.S. wireless telephone provider. Additionally, the card comes with a generous cell phone protection policy.

Terms

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

10

Secondary Car Rental CDW Waiver

If you’re renting a car with the Amex Business Platinum, you’ll get some level of protection but it won’t be the best out there. With Amex, coverage is secondary.

(We list credit cards with Primary Car Rental coverage here).

Terms

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

11

Extended Warranty

Whether making business purchases or personal ones, this business credit card offers a generous extended warranty policy.

Terms

When an American Express Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

12

Purchase Protection

On select purchases made with the Business Platinum, you’ll be covered if something goes wrong.

Terms

Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

13

Return Protection

Return Protection

Bought something on the card but decided you want to return it? If the original merchant won’t process the refund, this card’s return protection benefit will refund the full purchase price up to $300 per approved claim (up to $1,000 per calendar year) within 90 days of purchase.

return protection

Terms:

With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

14

Does Not Report Credit Line to Personal Credit Profile

While American Express may pull your personal credit to qualify you for the card, it will never appear on your personal credit file in any way unless you are delinquent.
In fact, if you have an existing relationship with American Express, they may not even pull your credit report, instead relying on their past relationship with you – but that’s not a guarantee.

15

Concierge Services

American Express Business Platinum card members can utilize the card’s travel and lifestyle concierge service, providing personalized assistance over the phone by calling the number on the back of the card.

Terms

You can rely on the Premium Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
  • Please visit americanexpress.com/benefitsguide for more details.

If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

16

Has No Preset Spending Limit

The Business Platinum card is unique in that it doesn’t have a preset spending limit. No Preset Spending Limit means your spending limit is flexible.

Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. Keep in mind you must still pay your bill in full each month or be subject to fees.

17

Metal Card

The American Express Business Platinum card is metal and weights approximately 18 grams or so.

18

Free Access to Credit Score

Available when you opt-in to their free “MyCredit Guide.” Find this on the Amex website under My Account >> Free Credit Tools and Support.

19

Amex Offers

Save money on exclusive offers that are constantly changing with Amex Offers.

Earn more rewards by combining credit cards

The Business Platinum Card® from American Express
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Pros & cons

  • Robust 5x Membership Rewards on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass Select membership, and more.
  • More than $1,500 in statement credits that can help your small business and travel- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers. (Terms apply.)
  • High annual fee of $695
  • While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
  • Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.

The Business Platinum Card® from American Express

Learn How To Apply Rates and fees

Our review

The Amex Business Platinum is the one of the most expensive travel rewards cards on the market today. However, while its annual fee might be a bit on the higher side, the perks that come along with it are second to none, both from the business perspective as well as the travel angle.

For small business owners that hit the road (or skies) regularly, there really isn’t another card quite like this one.

On the travel perks side of things, the Amex Business Platinum has a laundry list of embedded extras from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection. (See the key features and benefits above.)

However, this is a business card, after all, and where this card shines is in its statement credits. If you have business expenses that are with specific merchants, such as Indeed, Dell, and Adobe, the Business Platinum can tangibly help cut reduce costs. In addition, card holders get an extra half point per dollar (1.5X) on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, and purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. While a 1.5X bonus isn’t huge, it’s helpful that this spans a wide variety of business categories (and is capped at $2 million).

The Amex Business Platinum isn’t a card for everyone — that’s for sure. But for high-spending business owners who travel often (either for business or pleasure), this just might be the card for you.

Rates and fees for The Business Platinum Card® from American Express

Frequently asked questions

1

Does The Business Platinum Card® from American Express have an annual fee?

Yes, the annual fee on this card is $695 (Rates and Fees)

2

Does The Business Platinum Card® from American Express get you into airport lounges?

Yes, card members get access to the American Express Global Lounge Collection. This includes over 1,400 lounges at select airports across 140 countries, the largest of any issuer. This includes Amex’s proprietary Centurion Lounges and Centurion Studio partner locations (formerly Escape Lounges). The American Express app will show you all available lounges at a nearby airport.

All primary American Express Business Platinum cardholders, as well as authorized users, get complimentary access to Centurion Lounge within three hours of a departing flight (or during layovers). In addition, cardholders receive a Priority Pass membership, access to Airspace lounges, Plaza Premium lounges and Delta Sky Clubs (when traveling on same-day Delta flights).

3

Is it hard to get The Business Platinum Card® from American Express?

While the American Express Business Platinum card is a premium card product, it likely isn’t any harder to get than most other high-end cards. You’ll need a decent income and a good-to-excellent credit score of at least 700 or higher.

4

Is it worth getting The Business Platinum Card® from American Express?

For small business owners looking for a high-end business credit card with perks galore, this is the card to get. You could easily offset the fee with the annual statement credits alone, but this card also offers boosted earnings through Amex Travel, select business categories, as well as elite status and airport lounge access.

5

How do I earn points with The Business Platinum Card® from American Express?

Amex Business Platinum card members earn 1.5X per dollar on up to $2 million in eligible purchases in the U.S., per calendar year, in the following select business categories:

  • Electronic goods retailers
  • Software
  • Cloud system providers
  • Construction materials and hardware supplies.
  • Shipping providers.
  • Purchases of $5,000 or more.

In addition, you’ll earn 5X per dollar on airfare and prepaid hotel purchases with American Express Travel.

6

Does The Business Platinum Card® from American Express charge foreign transaction fees?

No, the card does not charge foreign transaction fees.

7

Does The Business Platinum Card® from American Express have car rental coverage?

Yes, the card has secondary car rental insurance coverage.

8

Does The Business Platinum Card® from American Express come with any elite status?

Yes, the card comes with Hilton Honors Gold and Marriott Bonvoy Gold elite statuses. For rental cars, you’ll get Hertz Gold Plus Rewards Rewards President’s Circle, Avis Preferred Plus and National Emerald Club Executive Elite elite statuses.

9

Does The Business Platinum Card® from American Express offer extended warranty?

Yes, the card offers extended warranty protection. When an American Express Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less.

Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. See the key features above for more details.

10

Does The Business Platinum Card® from American Express offer purchase protection?

Yes, the card offers purchase protection. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Please see the key features above for more details.

11

Does The Business Platinum Card® from American Express offer trip protections?

Yes, the card offers trip protections, such as Trip Delay, Trip Cancellation and Interruption Insurance as well as a Baggage Insurance plan. See the key features above for more details.

12

What credit score do I need to get The Business Platinum Card® from American Express?

For the best odds of being approved for the the card, you need to have a good or excellent credit score. This means you should have a credit score of at least 700.

13

What can I do with the points earned for spending on The Business Platinum Card® from American Express?

With American Express Membership Rewards points, there are a number of ways to redeem including directly through Amex Travel, transferring your Membership Rewards points to the a number of excellent airline or hotel program, statement credits, gift cards, donations to charity, and more.

14

Does The Business Platinum Card® from American Express have Cell Phone Protection?

Yes, the card comes with cell phone protection. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit.

The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.  See the key features above for more details.

15

How does The Business Platinum Card® from American Express compare to the The Platinum Card® from American Express?

16

How does The Business Platinum Card® from American Express compare to the The Business Gold Card® from American Express?

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