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The Business Platinum Card® from American Express

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Designed for the established business owner and frequent traveler, the esteemed Business Platinum Card from American Express comes with a plethora of travel perks and benefits. From enrollment into Marriott Bonvoy and Hilton Honors Gold statuses to an annual airline fee credit and quality-of-life improvements while traveling, there are many ways to make the annual fee less intimidating.

Enrollment required for select benefits; terms and limitations apply.

American Express is a Credit Card Insider advertiser.

(Rates & Fees)

Our rating
Min. credit level: Good
Annual Fee: $595 ($695 if application is received on or after 1/13/2022)
Regular APR: See Pay Over Time APR

The Business Platinum Card® from American Express

Our rating
Good Min. credit level
$595 ($695 if application is received on or after 1/13/2022) Annual Fee
How To Apply Read Our Review

Highlights & Features

(Rates & Fees)


Spending Rewards
  • 5X Membership Rewards points per dollar on Flights and Prepaid Hotels booked through Amex Travel
  • 2X Membership Rewards points per dollar for other eligible purchases through Amex Travel
  • 1.5X Membership Rewards points per dollar (up to $2 million spent per year) for eligible purchases of $5,000 or more, and eligible U.S. purchases from:
    • Construction material and hardware suppliers
    • Electronic goods retailers and software/cloud system providers
    • Shipping providers
  • 1X Membership Rewards point per dollar on other eligible purchases
Introductory Bonus
  • 120,000 bonus points for spending $15,000 within the first 3 months

American Express Membership Rewards Travel Partners

Airline Partners

  • Aer Lingus
  • Aeromexico
  • Aeroplan
  • Air France / KLM
  • Alitalia MileMiglia
  • All Nippon Airways
  • Avianca LifeMiles
  • British Airways Executive Club
  • Cathay Pacific Asia Miles
  • Delta Sky Miles
  • EL AL
  • Emirates Skywards
  • Etihad Guest
  • Hawaiian Airlines
  • Iberia Plus
  • True Blue JetBlue
  • Qantas Frequent Flier
  • Singapore KrisFlyer
  • Virgin Atlantic Flying Club

Hotel Partners

  • Choice Privileges
  • Marriott Bonvoy™
  • Hilton Honors

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR 29.24% Variable
Late Fee $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Returned Payment Fee $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Discount Portal
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Lost Luggage Reimbursement

American Express Business

American Express Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-243-3888 or

Try a different phone number
See all Issuer Cards

The Business Platinum Card® from American Express carries a lot of prestige and is known as much for its generous rewards as it is for its hefty $595 ($695 if application is received on or after 1/13/2022) 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 flights and hotels 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.

The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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