The Business Platinum® Card from American Express

The Business Platinum Card from American Express OPEN carries a lot of prestige and is known as much for its generous rewards as it is for its hefty $450 annual fee.

It has an attractive introductory offer, as well as a bevy of other benefits that are sure to make frequent fliers smile, such as bonus points for trip purchases and complimentary airport lounge access. But with such a large annual fee and rewards aimed mostly at travelers, this card is not for every business owner.

This card is best for established businesses with a positive cash flow, a strong credit history and two or more years in business.

This card is one of our picks for the Best Credit Cards for Freelancers.

Card Quick Facts

Card Quick Facts

  • Welcome Offer: Get up to 75,000 Membership Rewards points after you spend $20,000 in purchases within your first 3 months of Card Membership.
  • The Business Platinum Card’s premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses, and access to one-of-a-kind events.
  • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back.
  • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.
  • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.
  • Terms & Restrictions Apply

Manage My Card

Want to pay a bill or check your balance?

Card Details



  • Earn 5X Membership Rewards points per $1 spent on flights and prepaid hotels on the American Express Travel website
  • Earn 1.5X Membership Rewards points per $1 spent on eligible purchases of $5,000 or more (an extra .5 points per dollar, up to 1 million extra points per year)
  • Earn 1X Membership Rewards point per $1 spent on all other purchases
How to Redeem

Introductory Bonus

  • 50K Membership Rewards points for spending $10,000 and an extra 25K points for spending an additional $10,000, all in the first 3 months
Card Stats

Card Stats

Annual Fee $450
Additional Cards Annual Fee -
Regular Purchase APR Not Applicable - Paid in Full Monthly
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38 or 2.99%, whichever is greater
Returned Payment Fee $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $200 Annual Airline Fee Credit

    Covers incidental fees, such as checked bags and in-flight refreshments. Must be charged by the airline to your card. Applies to one selected, qualifying airline per year

  • 35% Airline Bonus

    Get 35% of your points back when you use Pay With Points for all or part of an eligible flight. Up to 500,000 bonus points per year. Applies to Business and First class on any airline, or flights from the selected qualifying airline.

  • Amex Global Lounge Collection

    Provides access to The Centurion℠ Lounges, Delta Sky Clubs®, and Airspace Lounges. You can also enroll in Priority Pass™ Select for free.

  • Gogo Internet

    Offers 10 Gogo inflight internet passes annually.

  • Boingo Internet

    Provides unlimited WiFi at Boingo hotspots when you enroll your card.

  • Fee Credit for Global Entry or TSA Pre✓TM

    Apply for Global Entry ($100) or TSA Pre✓TM ($85) with your card to get a statement credit for it every 4 years. These services provide expedited screening at certain airports.

  • International Airline Program

    Save on companion tickets when you purchase an international ticket.

  • Starwood Preferred Guest® Program

    Cardholders get SPG Gold Preferred Membership automatically. Includes hotel room upgrades whenever they are available, late checkouts, and the opportunity to earn nights and free flights with SPG Flights.

  • Hilton Honors Gold Status

    Get complimentary Hilton Honors Gold Status. Provides benefits, services, and reward stays at hotels and resorts in the Hilton Portfolio.

  • Fine Hotels & Resorts

    Provides a suite of benefits at participating locations. Includes room upgrades and daily breakfast for two.

  • The Hotel Collection

    Get a hotel credit and room upgrade at participating hotels.

  • Preferred Seating Program

    Exclusive seating at sports, concerts, and other entertainment events at leading venues. You also get tickets before other people to eligible events.

  • DEPARTURES Magazine

    Get an exclusive magazine that’s published 7 times a year for Platinum Card Members. It focuses on travel, style, culture, shopping, dining, and the interesting, inspiring, and unexpected.

  • Car Rental Privileges

    Special upgrades and discounts on premium car rental programs of Avis, Hertz, and National Car Rental.

  • Global Dining Collection

    Exclusive access to reservations and experiences at restaurants. Includes meetings with chefs and special table access.

  • Premium Private Jet Program

    Visit Delta Private Jets to book charter flights flights Delta Private Jets. Includes a 20% discount on certain commercial flights.

  • Business Platinum Card Concierge

    Provides non-emergency assistance of many kinds, at any time.

  • Tier One Program

    Eligible businesses, spending at least $5 million per year, may be invited to join this program for enhanced benefits.

  • Amex Offers

    Get significant discounts at specific participating merchants.

  • Entertainment Access®

    Exclusive access to ticket presales and cardmember-only events in your city.

OPEN Business Services

  • Reports to Business Credit Bureaus

    Amex business cards report positive activity to Small Business Financial Exchange. Negative activity is reported to Dun & Bradstreet, Experian, Equifax, and TransUnion.

  • Employee Cards

    No additional annual fee for employee cards. Every card can earn points. Up to 99 employee cards available.

  • Account Manager

    Ability to give other people permission to manage your account.

  • Spend Manager

    Use this feature to get a handle on your spending by adding receipts and notes, via desktop or mobile.

  • OPEN Forum®

    Online community for small business owners to connect with each other.

  • OPEN Savings®

    Extra savings on eligible purchases from participating merchants.

  • ReceiptMatchSM with QuickBooks®

    Track expenses with ReceiptMatch with QuickBooks®.

  • Account Alerts

    Get alerts about account information on your phone.

  • Relationship Care Service

    24/7 customer support by calling the number on your card. You’ll speak with a specially-trained business representative.

  • Dispute Resolution

    Help with fraudulent transactions.

  • Extended Warranty

    For warranties of 5 years or less you can get up to one extra year added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    If the merchant won’t take back an eligible item that you purchased on your card within 90 days from the date of purchase, American Express may refund the purchase price, minus shipping and handling, for up to $300 per item, up to $1000 per year for each account.

  • Global Assist® Hotline

    When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Baggage Insurance Plan

    When you buy a Common Carrier ticket on your card, eligible lost, damaged, or stolen bags are covered up to $3,000 for carry-on baggage & checked bags together and up to $2,000 for checked baggage only.

  • Travel Accident Insurance

    Added financial security if accident or death is caused when traveling by plane, train, ship, or bus; up to $500,000.

  • Car Rental Loss and Damage Insurance

    Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. American Express covers your charges 4 times. You cover third party costs after that. Restrictions Apply.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

The Insider

Susan Shain
No Credit Check Credit Cards (And Why We Don’t Recommend Them)
Susan Shain | Dec 07, 2018

Looking for a no credit check credit card that also offers instant approval? Here are our recommendations — plus why you should proceed with caution.

Read More
Brendan Harkness
Review of the Victoria’s Secret Angel Card
Brendan Harkness | Dec 01, 2018

The Victoria's Secret Angel Card and PINK card are popular for their rewards. But are these store cards worth getting? Read our review to find out.

Read More
Susan Shain
What Are Contactless Credit Cards? And How Do I Get One?
Susan Shain | Nov 29, 2018

Contactless credit cards are finally catching fire in the U.S. Here’s how to use this futuristic technology — and start paying with a wave of your hand.

Read More