American Express Business Platinum - Find Me a Card

American Express Business Platinum

A great card for business owners who love travel perks (5x on flights and hotels, $200 airline fee credit, 120K points welcome bonus, and many other travel perks) and are ok with the $595 annual fee.

Your total savings: $0 over the next 5 years

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Credit Score Required:
Average (670-739)
American Express
American Express

Rewards & Perks

Reward Highlights

Earning points:

  • 120,000 points welcome bonus (after spending $15,000 in the first 3 months).
  • 5x points on flights and prepaid hotels when you book on the American Express Travel website.
  • 1.5x points on select business categories (construction material, hardware suppliers, electronic goods retailers, software or cloud system providers, and shipping providers).
  • 1.5x points per dollar on qualifying purchases of $5,000 of more.
  • 1 point per dollar you spend on all other purchases.

Elite statuses:

  • American Express Global Lounge Collection benefits: Unlocks access to more than 1,200 airport lounges across 130 countries and counting.
  • Marriott Bonvoy Gold Elite status: Includes 25% points bonus, priority late checkout, Elite phone line, complimentary enhanced internet, upgrades to enhanced rooms, and welcome gifts.
  • Hilton Honors Gold status: Includes 80% points bonus on stays, milestone bonus, fifth night free on reward stays, two complimentary bottles of water per stay, room upgrades, breakfast, and bonus points or another welcome amenity.
  • American Express Fine Hotels & Resorts program: Provides the following elite-like benefits at over 1,000 luxury hotel locations: Room upgrade upon arrival (subject to availability), daily breakfast for 2 people, guaranteed 4pm late checkout, noon check-in (subject to availability), complimentary wi-fi, and a unique property amenity valued at $100 (spa or food and beverage credit).

Other Rewards & Perks

  • $400 in annual credits for Dell purchases: Get up to $200 in statement credits between January and June and up to $200 in statement credits between July and December for U.S. purchases with Dell on your Business Platinum Card, when enrolled.
  • $120 per year in wireless telephone service credits.
  • $150 per year in credits for Adobe subscription purchases.
  • $360 per year in Indeed credits.
  • $179 CLEAR® credit: Up to $179 in fee credits for a CLEAR® airport security service plan. (Enrollment required; credit is a statement credit.)
  • Global Dining Access by Resy: Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy.
  • Business Platinum Card Concierge: Concierge is available day or night, ready to assist you. Whether you need to make arrangements for a client dinner, or you need to find the perfect gift for an associate, you can count on our Concierge to take care of your requests, large and small.
  • Premium business travel service: Elite travel counselors specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.
  • Premium Global Assist Hotline: When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial, or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more.
  • Preferred seating at events: With Preferred seating, you will have access to premium seats for select cultural and sporting events, based on availability. at events: With Preferred seating at events: With Preferred seating, you will have access to premium seats for select cultural and sporting events, based on availability., you will have access to premium seats for select cultural and sporting events, based on availability.
  • Amex Offers: Access to the Amex Offers portal, which has special offers for shopping, dining, travel, and more.
  • Purchase Protection (90 days): Coverage for eligible items you buy with your card if they are lost or stolen within 90 days of your purchase.
  • Lost luggage reimbursement: Up to $1,250 for carry-on luggage and $500 for checked luggage.
  • Global Entry or TSA Pre ✓® fee credit: Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • Other perks include: Fraud protection, premium car rental benefits, car rental loss and damage insurance, trip delay reimbursement, trip cancellation/trip interruption insurance, extended warranty for warranties of 5 years or less, free employee cards (with rewards on employee spending), and account alerts.

Special Signup (Promo) Rewards & Perks

  • 120,000 points welcome bonus (after spending $15,000 in the first 3 months).
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Rates & Fees

Summary of Rates & Fees

  • $595 annual fee.
  • APR on purchases (if you enroll in the "Pay Over Time" feature): 14.24-22.24%. (Otherwise, all charges made on this card will be due and payable when you receive your periodic statement.
  • No foreign transaction fees.

Annual Fee: $595

Interest Rate (“Purchase APR”): 14.24-22.24%

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Other Info

Date Introduced: 2017-03-30

Date Last Updated: 2021-10-14

Notes & Fine Print

All charges made on this charge card are due and payable when you receive your periodic statement (if you are not enrolled in the Pay Over Time feature).

Summary of Penalty Conditions

This APR will vary with the market based on the Prime Rate. This APR will apply to your account if: 1) You make 2 or more late payments in a 12-month period; 2) You do not pay the Minimum Payment due by the closing date of the billing period in which it is due and you still do not pay it by the Closing Date of the next billing period; or 3) You make a payment that is returned. How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for a minimum of 12 billing periods in a row, and will continue to apply until after you have made timely payments, with no returned payments for 12 billing periods in a row.

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