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The Business Platinum Card® from American Express

Advertiser Disclosure: 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. Commissions do not affect or prioritize placement within our 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.
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Bonus Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply. (Rates and Fees).


Bonus Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply. (Rates and Fees).

★ This card earns bonus points for spend in the following bonus categories:

Airfare5x
Hotels5x
Large Expenses (Over $5,000)1.5x
Shipping1.5x

Best for:

Business owners that will utilize its many benefits and statement credits as well as Centurion airport lounge access.

Card Features and Benefits:

    The Business Platinum Card® from American Express is a great Amex card for flights and prepaid hotels which earn 5x American Express Membership Rewards points, and for large expenses over $5,000 which earn 1.5x American Express Membership Rewards points.

    But the Business Platinum Card is more about the benefits...

    Looking for a no-annual fee business credit card? We recommend the Chase Ink Unlimited Business Credit Card and the Chase Ink Business Cash credit card

    The Amex Business Platinum Card is Loaded with Benefits

    • Hilton Gold status (enrollment required)
    • Marriott Gold status (enrollment required)
    • Receive up to $100 as a statement credit every 4 years after you apply for Global Entry or every 4.5 years for TSA Pre✔®
    • Access to the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access (enrollment required)
    • Fine Hotels and Resorts benefits
    • $200 airfare credit for incidentals like luggage fees on your chosen airline. (enrollment required). Terms apply.
    • $200 in Dell statement credits twice annually, up to $400 total (Jan-June and July-Dec; Enrollment required / terms apply).
    • Up to $120 a year in wireless credits; up to $10 per month, Enrollment required / terms apply.
    • Up to $360 in Indeed credits ($90 per quarter; enrollment required, Terms Apply)
    • Up to $150 in credits with Adobe on annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign, enrollment required, Terms Apply.
    • Up to $189 in fee credits for a CLEAR® airport security service plan. (Enrollment required; credit is a statement credit.)

    (Note: Both the 10 annual Gogo wifi passes and the WeWork Global Access benefits expired on Dec 31, 2019.)

    The Amex Business Platinum Card earns Membership Rewards Points

    Membership Rewards points earned on Amex cards can be transferred to 19 airlines and hotels. Amex is the only transferable credit card currency that can transfer to Japanese airline ANA, which offers great award rates on "Round The World" bookings in Business Class. See all transfer partners and read a guide to spending Amex Membership Rewards.

    Amex Business Platinum Card Earn Rate and Review

    • 5X Membership Rewards points on flights and prepaid hotels booked via AmexTravel
    • 1.5X Membership Rewards points on any single purchase that is over $5,000
    • 1.5X Membership Rewards at Construction material and hardware suppliers, Electronic goods retailers and software & at cloud system providers, and with Shipping providers
    • 1X Membership Rewards points on other purchases

    (1.5X purchases are capped at $2,000,000 in spend per calendar year.)

    Also, when you redeem your points for travel through the American Express Travel portal, you will get 35% of your points rebated on one airline of your choice for economy tickets and on all airlines for Business Class and First Class tickets.

    This card has a lot of features and benefits that you need to make sure you both understand and register for, but once you do the annual fee can be well worthwhile.

    The card is best to utilize for its many benefits and on flights/prepaid hotels via AmexTravel while largely utilizing other credit cards for bonus category spend to maximize your earnings. An example is using the Amex Blue Business Plus for non-bonus category expenses since it earns 2X Membership Rewards points on everything on up to $50,000 a year. Points can be pooled between Amex accounts.

    Also see: Credit Cards that Earn American Express Membership Rewards points

    Related Credit Cards

    Rates and Fees for the The Business Platinum Card(R) from American Express

    Disclaimers:

    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.

    • 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 Delay Insurance

    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

    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.

    Extended Warranty
    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

    Return Protection

    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.

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

    Please visit americanexpress.com/benefitsguide for more details.

    Purchase Protection

    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.

Business Platinum Card from American Express

Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply. (Rates and Fees).

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