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American Express · rewards

The Business Platinum Card from American Express

4.6 / 5

Membership Rewards · Business card

The $895 fee is real money, but the $600 hotel credit, $219 CLEAR credit, and unlimited Centurion access can offset most of it if you actually use them. This card rewards businesses that book flights and hotels through Amex Travel, not everyday spenders.

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At a glance

Welcome bonus: 300,000 points; Spend $20,000 in 3 months
Annual fee: $895; Year-one and ongoing
Purchase APR: 17.74% to 28.49%; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

5x points on flights and prepaid hotels via Amex Travel
Unlimited Centurion Lounge and Priority Pass access
Over $1,500 in potential statement credits (Dell, Adobe, hotel, airline, CLEAR)

Cons

$895 annual fee is among the highest for a business card
Most credits require enrollment and specific spending before they pay off in full
2x bonus categories are capped and narrow (construction, electronics, software, shipping)

Earnings

Earn rates

Category	Rate	Notes
Flights & prepaid hotels (Amex Travel)	5x points	5x on flights booked directly with airlines or via Amex Travel (cap $500,000/yr in this category) and on prepaid hotels booked via Amex Travel·cap $500,000
Select business categories	2x points	2x on U.S. construction/hardware, electronics, software & cloud, and shipping purchases, up to $2,000,000/yr combined·cap $2,000,000
All other purchases	1x points

Benefits

Key benefits

$600 Hotel Credit

Up to $600 in statement credits per year ($300 semi-annually) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel.

Global Lounge Collection

Unlimited Centurion Lounge and Priority Pass access, plus 10 Delta Sky Club visits per year (unlimited at $75,000 in calendar-year spend).

5x on Flights and Prepaid Hotels

Earn 5x Membership Rewards points on flights and prepaid hotels booked through Amex Travel.

Dell and Adobe Credits

Up to $1,150 in Dell Technologies credits and up to $250 back on Adobe purchases each calendar year (enrollment required).

$200 Airline Fee Credit

Up to $200 in statement credits each year for incidental fees charged by your selected airline.

Fit

Who this is best for

Frequent business travelers
Amex Travel bookers
Lounge access seekers

FAQ

Frequently asked questions

What is the Business Platinum welcome bonus?

As high as 300,000 Membership Rewards points after you spend $20,000 on purchases on your new Card in your first 3 months of Membership. Offer is personalized and varies by applicant.

Does the Business Platinum charge an annual fee?

Yes. The annual fee is $895 every year.

Does the Business Platinum have a foreign transaction fee?

No. The Business Platinum charges no foreign transaction fee, so it works well for international purchases.

What APR does the Business Platinum charge?

The purchase APR is 17.74% to 28.49% variable.

Who is the Business Platinum best for?

Frequent business travelers. Amex Travel bookers. Lounge access seekers.

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