Business Platinum
- Annual fee
- $895
- Network
- amex
- Type
- business
It earns American Express Membership Rewards® points, with elevated earning on eligible flights and prepaid hotels booked through AmexTravel.com and on qualifying business purchases, subject to the card’s current terms and limits.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$6,680 of the advertised value — 94% — comes with strings attached.
- $7,129 advertised across 13 benefits.
- $6,680 (94%) needs a booking, enrollment, or deadline.
- Biggest credit — American Express One AP Statement Credit (Spend Tier), $2,400 — comes with conditions.
- $219 CLEAR+ Credit ($219) posts automatically. No hoops.
- No-hoops value covers 50% of the annual fee.
- You'll actually use American Express One AP Statement Credit (Spend Tier).
- You'll actually use $219 CLEAR+ Credit.
- 5× on hotels matches your spend.
- You won't use American Express One AP Statement Credit (Spend Tier).
- You want the fee covered without chasing — $446 short.
Welcome offer
Earn as high as 300,000 Membership Rewards points after spending $20,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary.
- Minimum spend
- $20,000
- Within
- 3 mo
Earning rates
- All other purchases1×ptsMembership Rewards
- Top earnHotelsPrepaid hotels booked through AmexTravel.com5×ptsMembership Rewards · AmexTravel.com
- Top earnFlightsBooked through AmexTravel.com5×ptsMembership Rewards · AmexTravel.com
- Construction materials and hardwareAt US construction material and hardware suppliers, up to $2 million of these purchases per calendar year (cap shared with other 1.5X categories)1.5×ptsMembership Rewards
- ElectronicsAt US electronic goods retailers, up to $2 million of these purchases per calendar year (cap shared with other 1.5X categories)1.5×ptsMembership Rewards
- SoftwareAt US software & cloud system providers, up to $2 million of these purchases per calendar year (cap shared with other 1.5X categories)1.5×ptsMembership Rewards
- ShippingAt US shipping providers, up to $2 million of these purchases per calendar year (cap shared with other 1.5X categories)1.5×ptsMembership Rewards
- All other purchasesOn single eligible purchases of $5,000 or more, up to $2 million of these purchases per calendar year (cap shared with key business categories)1.5×ptsMembership Rewards
On-card benefits & credits
- American Express One AP Statement Credit (Spend Tier)$2400/Annual
Receive up to $2,400 in credits toward American Express One AP monthly fees in the following calendar year. Unlocks after $250,000 calendar-year spend on the card.
- Amex Travel Online Flight Credit (Spend Tier)$1200/Annual
Receive up to $1,200 in statement credits for flights booked through AmexTravel.com in the calendar year after qualifying. Unlocks after $250,000 calendar-year spend on the card.
- Additional Dell Technologies Credit (Spend Tier)$1000/Annual
Receive an additional $1,000 statement credit after at least $5,000 in U.S. purchases directly with Dell Technologies per calendar year. Unlocks after $5,000 calendar-year spend on the card.
- $600 Hotel Credit$300/Semi-annual
Receive up to $300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel; The Hotel Collection requires a two-night minimum stay.
- ChatGPT Business Credit$300/Annual
Receive up to $300 per calendar year on U.S. purchases of auto-renewing ChatGPT Business subscriptions; enrollment is required.
- Adobe Credit$250/Annual
Receive a $250 annual statement credit after spending at least $600 on U.S. purchases directly with Adobe; enrollment is required.
- American Express Venue Collection$250/Annual
On-site perks such as dedicated entrances or fast lanes at select stadiums and arenas. Enrolled Cards also get 10% back on qualifying concessions purchases, up to $250 in statement credits per calendar year. Offer ends December 31, 2026. The 10% back depends on member spend, so it carries no fixed annual dollar value.
- $219 CLEAR+ Credit$219/Annual
Receive up to $219 per calendar year toward an auto-renewing CLEAR+ membership, excluding taxes and fees.
- Airline Fee Credit$200/Annual
Select one qualifying airline and receive up to $200 per calendar year for incidental airline fees charged to the card.
- Dell Technologies Credit$150/Annual
Receive up to $150 annually on U.S. purchases directly with Dell Technologies. An additional $1,000 credit unlocks after $5,000 in eligible annual Dell purchases and is listed separately.
- Global Entry or TSA PreCheck Fee Credit$120/One-time
Receive either a $120 Global Entry application-fee credit or up to $85 for TSA PreCheck every four years when charged to the card.
- The Hotel Collection $100 Credit$100/As needed
Receive a $100 property credit toward eligible charges when booking at least two nights with The Hotel Collection through AmexTravel.com.
- Indeed Credit$90/Quarterly
Receive up to $90 per quarter in statement credits for purchases with Indeed, up to $360 per year; enrollment is required.
- Hilton Credit$50/Quarterly
Hilton for Business members receive up to $50 quarterly on eligible purchases made directly with Hilton; enrollment is required.
- U.S. Wireless Service Credit$10/Monthly
Receive up to $10 per month for wireless phone service purchased directly from a U.S. wireless telephone service provider; enrollment is required.
- Purchase Protection$0/As needed
Protects covered purchases against accidental damage, theft or loss for up to 90 days from the purchase date, subject to per-purchase and annual limits.
- Car Rental Loss and Damage Insurance$0/As needed
Secondary coverage may apply for damage to or theft of an eligible rental vehicle when the entire rental is paid with the card and the rental company’s CDW is declined.
- Return Protection$0/As needed
American Express may accept eligible U.S. purchases the seller will not take back within 90 days, subject to per-item and annual account limits.
- Cruise Privileges Program$0/Annual
Receive amenities on eligible sailings of five nights or more with participating cruise lines when booked through Amex Travel.
- Business Platinum Travel Service$0/Annual
Call a Platinum travel consultant for help booking flights, international trips and other travel experiences.
- Baggage Insurance Plan$0/As needed
Coverage may apply to lost, damaged or stolen checked or carry-on baggage when the entire common-carrier fare is purchased with an eligible card; specific sublimits apply.
- Amex Special Ticket Access$0/As needed
Access to Amex Presale Tickets and Amex Reserved Tickets for select events across sports, music and more, plus additional perks at select events.
- The Hotel Collection Stay Benefits$0/As needed
Bookings of at least two nights through The Hotel Collection include noon check-in and 4 p.m. late checkout when available.
- Centurion Lounge Guest Access (Spend Tier)$0/Annual
Receive complimentary Centurion Lounge guest access for up to two guests per visit after $75,000 in eligible calendar-year purchases. Unlocks after $75,000 calendar-year spend on the card.
- American Express Global Lounge Collection$0/Annual
Access more than 1,550 airport lounges across 140 countries through the American Express Global Lounge Collection; enrollment may be required for some networks.
- No Foreign Transaction Fees$0/As needed
American Express charges no foreign transaction fees when the Business Platinum Card is used abroad.
- Premium Global Assist® Hotline$0/As needed
Provides 24/7 coordination and assistance for select medical, legal, financial and other emergencies while traveling more than 100 miles from home; third-party costs may remain the cardholder’s responsibility.
- Platinum Nights by Resy$0/Annual
Receive special access to reservations on select nights in select cities at participating in-demand Resy restaurants.
- Global Dining Access$0/Annual
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy.
- Hilton Honors® Gold Status$0/Annual
Receive complimentary Hilton Honors Gold status; enrollment is required.
- Trip Cancellation and Interruption Insurance$0/As needed
May reimburse nonrefundable expenses when a covered reason cancels or interrupts a round trip purchased entirely with the card; an aggregate annual card limit also applies.
- Trip Delay Insurance$0/As needed
May reimburse certain additional expenses when a covered reason delays an eligible round trip by more than six hours; maximum two claims per card per 12 consecutive months.
- Cell Phone Protection$0/As needed
Covers eligible repair or replacement costs for a damaged or stolen phone, subject to a $50 deductible and two approved claims per 12-month period, when the prior month’s wireless bill was paid with an eligible card account.
- 35% Airline Bonus$0/Annual
Get 35% of points back after using Pay with Points for flights booked through Amex Travel with the selected qualifying airline, up to 1,000,000 points per calendar year.
- Concierge Service$0/As needed
Concierge can assist with reservations or tickets for client entertainment.
- Leaders Club Sterling Status$0/Annual
Receive complimentary Leaders Club Sterling status from The Leading Hotels of the World; enrollment is required.
- Marriott Bonvoy® Gold Elite Status$0/Annual
Receive Marriott Bonvoy Gold Elite status without meeting stay requirements; enrollment is required.
- Car Rental Premium Status$0/Annual
Complimentary premium status with select car-rental programs, including possible upgrades, discounts, priority service, and other program-specific privileges. Enrollment in each program is required, and eligible rentals must be paid with the Platinum Card. Terms vary by partner.
- Extended Warranty$0/As needed
Extends eligible original manufacturers’ warranties of five years or less by up to one additional year on covered U.S. purchases.
- Platinum Member Airfares$0/Annual
Access reduced fares on select premium international tickets and select economy domestic tickets booked through Amex Travel with participating airlines.
- 10 Delta Sky Club Visits$0/Annual
Receive 10 complimentary Delta Sky Club visits annually when flying on an eligible Delta flight.
- Fine Hotels + Resorts Benefits$0/Annual
Fine Hotels + Resorts bookings through Amex Travel include noon check-in when available and guaranteed 4 p.m. late checkout.
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