The Business Platinum Card from American Express

Annual fee

$895

Welcome bonus

300,000 Membership Rewards pointsElevated offer

Foreign txn fee

Apply at American Express

(Direct link to issuer does not currently earn a commission on this card.)

The Business Platinum Card is Amex's maximalist business charge card: $895 a year buys the deepest lounge access in the game (Centurion Lounges, Priority Pass, and Delta Sky Club visits), 5X on flights and prepaid hotels through Amex Travel, and 2X on big-ticket business purchases ($5,000+) and key categories up to $2 million a year. The fee is meant to be clawed back through a sprawl of credits - hotel, airline, Dell, Adobe, Indeed, CLEAR, Hilton - that reward businesses willing to do the enrollment legwork. You also get Marriott and Hilton Gold status, a Global Entry credit, and a 35% Pay-with-Points airline rebate. Points transfer to Amex's partners. Overkill for light spenders; outstanding for travel-heavy businesses that use the credits.

Welcome bonus

What you get for signing up and hitting the minimum spend.

300,000 Membership Rewards points · $20,000 spend in 3mo

See the offer →

🕐 Limited-time offer

300,000 Membership Rewards points after spending $20,000 in the first 3 months.

Welcome offer is targeted and varies by applicant; American Express shows "as high as 300,000" Membership Rewards points after $20,000 in eligible purchases in the first 3 months. Many applicants see a lower targeted amount.

Earn rates

How many points per dollar across categories.

4 categories · top rate 5x

See the multipliers →

Card-level multipliers. Earn currency: American Express Membership Rewards.

Category	Rate	Notes
Flights	5x	5X on flights booked on AmexTravel.com.
Hotels	5x	5X on prepaid hotels booked on AmexTravel.com.
Business Purchases	2x	2X on key business categories (U.S. construction & hardware suppliers, U.S. electronics/software & cloud, U.S. shipping) or any single purchase of $5,000 or more, on up to $2 million per calendar year.
All other purchases	1x	1X on all other eligible purchases.

Transfer partners

Where you can move your American Express Membership Rewards to airline + hotel programs.

20 partners

Meet the partners →

Points earned with this card transfer to 20 partner programs via American Express Membership Rewards.

To	Ratio	Notes
Aer Lingus AerClub	1:1	1,000 MR = 1,000 Avios
Aeromexico Rewards	1:1.6	1,000 MR = 1,600 AeroMexico Rewards points
Air Canada Aeroplan	1:1	1,000 MR = 1,000 Aeroplan points
ANA Mileage Club	1:1	1,000 MR = 1,000 ANA Mileage Club miles
Avianca LifeMiles	1:1	1,000 MR = 1,000 LifeMiles
Avios	1:1	1,000 MR = 1,000 Avios (The British Airways Club)
Cathay Pacific Asia Miles	1:0.8	1,000 MR = 800 Asia Miles
Delta SkyMiles	1:1	1,000 MR = 1,000 SkyMiles
Emirates Skywards	1:0.8	1,000 MR = 800 Skywards Miles
Etihad Guest	1:1	1,000 MR = 1,000 Etihad Guest miles
Flying Blue	1:1	1,000 MR = 1,000 Flying Blue miles (Air France-KLM)
Club Iberia Plus	1:1	1,000 MR = 1,000 Avios
JetBlue TrueBlue	250:200	250 MR = 200 TrueBlue points (5:4 ratio)
Qantas Frequent Flyer	1:1	500 MR = 500 Qantas Points
Qatar Privilege Club	1:1	1,000 MR = 1,000 Avios (Qatar Privilege Club)
Singapore KrisFlyer	1:1	1,000 MR = 1,000 KrisFlyer miles
Virgin Atlantic Flying Club	1:1	1,000 MR = 1,000 Virgin Points
Choice Privileges	1:1	1,000 MR = 1,000 Choice Privileges points
Hilton Honors	1:2	1,000 MR = 2,400 Hilton Honors points
Marriott Bonvoy	1:1	1,000 MR = 1,000 Marriott Bonvoy points

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

3 programs

Browse the portals →

American Express Experiences

Amex's entertainment portal --- presales, preferred seating on concerts, sports, and Broadway. Available to U.S. Amex cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Premium Events Collection (formerly By Invitation Only)Invite-only

Amex ultra-premium curated events portal: exclusive sports, fashion, cultural, and travel events. Available to Platinum, Business Platinum, and Centurion cardholders only. (Previously branded as By Invitation Only.)

🔒 Access this perk through your cardmember account at the issuer's website or app.

Global Dining Access by Resypremium

Amex x Resy partnership: priority reservations at sought-after restaurants and exclusive dining events. Available to Platinum, Business Platinum, and Centurion cardholders only.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Status

Hotel / airline / partner status this card grants.

4 benefits

See the details →

Marriott Bonvoy Gold Elite Status

Complimentary Marriott Bonvoy Gold Elite status with no stay requirement (enrollment required).

Hilton Honors Gold Status

Complimentary Hilton Honors Gold status (enrollment required).

Leaders Club Sterling Status (LHW)

Complimentary Leaders Club Sterling status from The Leading Hotels of the World (enrollment required).

Car Rental Elite Status (Avis, Hertz, National)

Complimentary premium status with Avis, Hertz, and National car rental programs (enrollment required).

Status accelerators

Perks that unlock at spending milestones.

2 benefits

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$2,400 One AP Credit (at $250k spend)

After spending $250,000 in a calendar year, unlock up to $2,400 in statement credits the following year toward American Express One AP monthly fees.

$1,200 Amex Travel Flight Credit (at $250k spend)

After spending $250,000 in a calendar year, unlock up to $1,200 in statement credits the following year on flights booked at AmexTravel.com.

Lounge access

Airport lounge access conferred by this card.

2 benefits

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The Global Lounge Collection

Access to Centurion Lounges, Priority Pass Select membership (enrollment required), and other partner lounges worldwide.

Delta Sky Club Access

10 complimentary Delta Sky Club visits per year when flying on an eligible Delta flight; unlimited access for the rest of the year after $75,000 in purchases on the account in a calendar year.

Travel credits

Annual travel-spend credits and portal incentives.

3 benefits

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$600 Hotel Credit

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

$200 Airline Fee Credit

Up to $200 per calendar year in statement credits for incidental fees with one selected qualifying airline.

The Hotel Collection Credit

$100 credit toward eligible charges on a 2-night minimum stay booked through The Hotel Collection on AmexTravel.com.

Statement credits

Bill credits and recurring perks that offset annual fees.

8 benefits

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$200 Hilton Credit

Up to $50 in quarterly statement credits on eligible purchases made directly with Hilton (Hilton for Business enrollment required).

$209 CLEAR Plus Credit

Up to $209 per calendar year toward an auto-renewing CLEAR Plus membership.

$1,150 Dell Technologies Credit

$150 in statement credits on U.S. Dell purchases plus an additional $1,000 after you spend $5,000 or more, per calendar year. Enrollment required.

$250 Adobe Credit

$250 statement credit per calendar year after $600 or more in U.S. purchases directly with Adobe. Enrollment required.

$360 Indeed Credit

Up to $90 in quarterly statement credits for U.S. purchases made directly with Indeed. Enrollment required.

Global Entry or TSA PreCheck Credit

$120 statement credit for Global Entry or up to $85 for TSA PreCheck, once every 4 years.

$300 ChatGPT Business Credit

Up to $300 per calendar year in statement credits on U.S. purchases of ChatGPT Business made directly with OpenAI. Enrollment required.

$120 Wireless Credit

Up to $10 in monthly statement credits for wireless phone service purchased directly from a U.S. wireless provider. Enrollment required.

Travel & rental insurance

Trip protection, rental car coverage, baggage, accident coverage.

5 benefits

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Trip Delay Insurance

Up to $500 per trip in covered expenses when a round trip paid with the Card is delayed more than 6 hours (max 2 claims per 12 months).

Trip Cancellation and Interruption Insurance

Up to $10,000 per trip (and $20,000 per card per 12 months) for non-refundable expenses when a covered reason cancels or interrupts a round trip paid with the Card.

Baggage Insurance Plan

Coverage for lost, damaged, or stolen baggage: up to $2,000 checked and up to $3,000 combined checked and carry-on, in excess of the carrier's coverage.

Car Rental Loss and Damage Insurance

Secondary coverage for damage or theft of a rental vehicle when you pay with the Card and decline the counter CDW.

Premium Global Assist Hotline

24/7 medical, legal, financial, and emergency coordination when traveling more than 100 miles from home; emergency medical transportation may be covered if coordinated by the hotline.

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

4 benefits

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Purchase Protection

Covers eligible purchases against accidental damage, theft, or loss for a limited period after purchase (see Guide to Benefits for limits).

Extended Warranty

Adds up to one extra year to eligible original manufacturer warranties of 5 years or less.

Cell Phone Protection

Up to $800 per claim ($50 deductible, 2 claims/12 months) for damage or theft when your line is on a wireless bill paid with the Card.

Return Protection

Refund eligible purchases a merchant won't take back, within the coverage window (see Guide to Benefits).

Portal redemption

Boosted point value when redeeming via the issuer portal.

1 benefit

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35% Airline Pay-with-Points Bonus

Get 35% of your points back when you use Pay with Points for flights with your selected qualifying airline through Amex Travel, up to 1,000,000 points back per calendar year.

Transfer partner perks

Partners this card unlocks for point transfer.

1 benefit

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Transfer to Travel Partners

Transfer Membership Rewards points to Amex airline and hotel transfer partners.

Other

Other perks on this card.

1 benefit

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Platinum Concierge

24/7 concierge for tickets, dining reservations, travel inquiries, and shopping requests.