American Express Business Platinum
The welcome offer, every credit and its catch, what it earns, the insurance, and whether the $895 fee pays for itself.
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Business travel cards · American Express
Welcome offer
As high as 300,000 points
Annual fee
$895
As high as 300,000 Membership Rewards points after $20,000 in eligible purchases in the first 3 months. Amex shows the exact offer after the application and before approval; it can be less than 300,000, and some applicants get none; anyone who has or has had this card may not be eligible. Offers vary by applicant and by advertisement.
Employee cards: $400 each for Employee Platinum cards; Employee Business Expense cards have no feeForeign transaction fees: NoneRewards: Amex Membership Rewards
The Atelier Take
Worth its fee for a business that flies often and would pay Dell, Indeed, Adobe or OpenAI anyway; as an everyday earner it is ordinary.
Who it suits
Owners who fly several times a year, value lounge access and are happy to book flights and hotels through Amex Travel. Strongest for businesses already spending at Dell, Indeed, Adobe or on ChatGPT Business.
Who should skip it
Businesses whose spending is mostly advertising, dining or everyday purchases: the Business Gold earns 4x in its top two categories for $375. Also anyone who books flights directly with airlines, which earns 1x here.
Every credit, and the catch
Nine credits with a face value of $3,399 a year, plus a Global Entry or TSA PreCheck credit every four years. Most need enrollment, several are paid monthly or quarterly, and unused amounts do not roll over. Two more unlock the following year after $250,000 of spending in a calendar year.
Dell Technologies credit
Up to $1,150 a year
U.S. purchases directly with Dell only. The $1,000 part needs $5,000 of Dell purchases on the card in the same calendar year.
Hotel credit
Up to $600 a year
Only prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel count, and The Hotel Collection needs a two-night stay. These rates can be higher than booking the hotel directly.
Indeed credit
Up to $360 a year
Only purchases made directly with Indeed in the U.S. Each quarter’s $90 is lost if unused.
ChatGPT Business credit
Up to $300 a year
ChatGPT Business bought directly from OpenAI in the U.S. only; the subscription renews automatically.
Adobe credit
Up to $250 a year
Paid only after $600 of U.S. purchases directly with Adobe in the calendar year.
CLEAR+ credit
Up to $219 a year
Only worth something to people who would pay for CLEAR+ anyway.
Hilton credit
Up to $200 a year
Charges made directly with a Hilton property, including incidentals billed to the room. Bookings through travel websites do not count, and enrolling creates a Hilton for Business account.
Airline fee credit
Up to $200 a year
Covers incidental fees such as checked bags on the one chosen airline. Airfare, upgrades and miles do not count.
Wireless credit
Up to $120 a year
Monthly service bills paid directly to a U.S. wireless carrier; phones, Google Fi and resellers are excluded. An unused month is lost.
Global Entry or TSA PreCheck
$120 every 4 years
Up to $120 for Global Entry or up to $85 for TSA PreCheck, whichever is paid for first.
Amex Travel flight credit
Up to $1,200 the following year
Only after $250,000 of eligible purchases in a calendar year, and only on flights booked on AmexTravel.com or the Amex Travel App the next year.
One AP credit
Up to $2,400 the following year
Also needs $250,000 of spending in a calendar year, and only covers fees for Amex’s One AP supplier-payment service.
What it earns
Rewards: American Express Membership Rewards points, which transfer to 16 airline and 4 hotel programs, most at 1:1, including Delta SkyMiles, Air Canada Aeroplan, British Airways and Marriott Bonvoy.
5x
Flights and prepaid hotels booked through Amex Travel
Flights online at AmexTravel.com or the Amex Travel App; prepaid hotels online or by phone. Flights booked directly with airlines earn 1x
2x
U.S. construction material and hardware suppliers, U.S. electronics retailers and software and cloud providers, and U.S. shipping providers
Up to $2 million of 2x purchases a calendar year, then 1x
2x
Single purchases of $5,000 or more
Shares the $2 million yearly cap; a purchase the merchant splits into smaller charges does not count
2x
Cruises booked through Amex Travel
Online at AmexTravel.com or by phone. Prepaid car rentals on AmexTravel.com earn 1x on this card
1x
Everything else
Including dining, gas and advertising
TPG values Membership Rewards points at 2.0¢ each, when transferred to airline and hotel partners. On that basis 5x returns about 10¢ per dollar, 2x about 4¢ and 1x about 2¢. The 35% Airline Bonus gives back 35% of the points used with Pay with Points on flights with the chosen airline, a redemption benefit rather than earning. Transfers to U.S. airlines carry a fee of $0.0006 a point, capped at $99.
Lounges, status and other benefits
Centurion Lounges
Unlimited visits for the cardholder, arriving up to 3 hours before departure, plus Sidecar by The Centurion Lounge. Guests cost $50 each ($30 for children 2 to 17) unless the account spends $75,000 in a calendar year, which unlocks two free guests.
Delta Sky Club
10 visits a year per Business Platinum card when flying Delta the same day; Basic Economy excluded. Visits reset on February 1. $75,000 of spending in a calendar year unlocks unlimited visits.
Priority Pass
Priority Pass Select membership, enrollment required. Up to two guests free in lounges that admit guests.
Other lounges
Escape Lounges, Plaza Premium and other Global Lounge Collection partners. Access to Lufthansa lounges ended on October 1, 2026.
35% Airline Bonus
Pay with Points for a flight with the chosen airline through Amex Travel and get 35% of the points back, up to 1,000,000 points a calendar year. The airline must be the one picked for the airline fee credit; at least 5,000 points per redemption.
Fine Hotels + Resorts
On eligible bookings through Amex Travel: daily breakfast for two, a $100 property credit, guaranteed 4pm checkout, noon check-in and a room upgrade when available, and Wi-Fi.
Hotel status
Hilton Honors Gold and Marriott Bonvoy Gold Elite (enrollment required), plus Leaders Club Sterling at The Leading Hotels of the World.
Car rental status
Elite status with Avis, Hertz and National, once enrolled.
Will the $895 fee pay off?
Enter what would go on this card. The result values points at TPG’s valuation, adds the credits that would actually be used and, in year one, the welcome offer, then sets the total against a no-fee card that pays 2% back on everything.
1 · Spending on this card
Example figures are filled in; replace them with real ones.
AdvertisingOnline, social media and search engines
1x
ShippingU.S. shipping providers
2x
Internet, cable and phone
1x
Office supplies
1x
Software and cloud servicesU.S. providers, and U.S. electronics retailers
2x
Construction materials and hardwareU.S. suppliers
2x
Single purchases of $5,000 or moreNot already in a bonus category
2x
Flights booked on AmexTravel.com
5x
Flights booked directly with airlines
1x
Hotels prepaid through Amex Travel
5x
Hotels booked any other way
1x
Cruises through Amex TravelOnline or by phone
2x
Dining
1x
Gas
1x
Everything else
1x
2 · Credits that would be used
Tick only what would be used anyway, at full value.
3 · Assumptions
The result
Not counted: lounge access, hotel and car rental status, the 35% Airline Bonus and the insurance. 2x applies to the first $2 million of 2x purchases a year. Transfers to U.S. airlines carry a fee of $0.0006 a point, capped at $99, not deducted here.
Insurance and protections
Pay for the trip or purchase with the card to be covered. Cover is secondary: it pays after any other insurance. Amex’s Guides to Benefits have the full terms and exclusions.
Trip delay
Up to $500 per trip after a delay of more than 6 hours, for up to 2 claims per 12 months. The round trip must be paid entirely with the card. Secondary.
Trip cancellation and interruption
Up to $10,000 per trip and $20,000 per card per 12 months, for covered reasons such as illness or severe weather. Secondary.
Car rental loss and damage
Up to $75,000 for theft or damage to a rental car, for rentals up to 30 days, when the rental company’s damage waiver is declined. Not available in Australia, Italy or New Zealand, and no liability cover. Secondary.
Baggage insurance
Up to $2,000 for checked bags and $3,000 for carry-on bags, with a $3,000 total per person per trip; high-risk items are limited to $1,000. Secondary.
Cell phone protection
Up to $800 per claim for theft or damage, after a $50 deductible, for up to 2 claims per 12 months. The previous month’s wireless bill must be paid with the card. Secondary.
Purchase protection
Theft or accidental damage within 90 days of purchase: up to $10,000 per item and $50,000 a year.
Extended warranty
Adds up to one year to manufacturer warranties of five years or less: up to $10,000 per item and $50,000 a year.
Return protection
If a store won’t take back an eligible item within 90 days, Amex may refund up to $300 per item and $1,000 a year.
Pros and cons
Pros
- Lounge access is among the broadest of any business card: Centurion, Priority Pass, Delta Sky Club and more
- 5x on flights and prepaid hotels booked through Amex Travel
- 2x on electronics, software, shipping, construction suppliers and purchases of $5,000 or more, up to $2 million a year
- Strong insurance, including $500 trip delay cover after 6 hours and cell phone protection
Cons
- The $895 fee only pays off if several business-specific credits match spending already planned
- Flights booked directly with airlines earn 1x, unlike the personal Platinum
- 1x on dining, gas, advertising and most everyday spending
- Credits need enrollment and are split monthly, quarterly or twice a year
Card terms change often and some offers are personalized; the issuer’s page is the final word.