The Business Platinum® Card from American Express

For People with
Excellent Credit

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American Express is a Credit Card Insider advertiser

(Rates & Fees)

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 annual fee (Rates & Fees).

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 (Rates & Fees) 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.

Card Quick Facts

Card Quick Facts

  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on
  • Get 50% more Membership Rewards® points. That’s 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 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, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply
  • See Rates & Fees

For People with
Excellent Credit

Apply Now

American Express is a Credit Card Insider advertiser

(Rates & Fees)

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Card Details



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

Introductory Bonus

  • 50K Membership Rewards points for spending $10,000 and an extra 50K points for spending an additional $15,000, all in the first 3 months (expires 12/4/19)
Card Stats

Card Stats

Annual Fee $595
Additional Cards Annual Fee -
Regular Purchase APR N/A
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee See Terms
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.

  • Amex Global Lounge Collection

    Provides complimentary access to The Centurion Lounges, Priority Pass Select, Delta Sky Clubs®, Escape Lounges, Airspace Lounges, and American Express International Lounges. Authorized users receive mostly the same access, though this may be limited depending on the lounge.

  • Fee Credit for Global Entry or TSA Pre✓

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

  • 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.

  • SPG Gold Status

    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.

  • Platinum Global Access from WeWork

    Get a year of Platinum Global Access from WeWork and gain access to over 300 premium, select workspaces in over 75 cities.

  • $200 Dell Statement Credit

    Enroll to get up to $200 in statement credits per year for U.S. purchases with Dell: $100 from January through June, and $100 from July through December.

  • Premium Private Jet Program

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

  • Gogo Internet

    Offers 10 Gogo inflight internet passes annually.

  • Boingo Internet

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

  • International Airline Program

    Save on companion tickets when you purchase an international ticket.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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

  • Employee Cards

    Up to 99 employee cards available, at different levels. Business Platinum cards costs $50; Executive Business costs $200; Business Gold costs $45; Business Green has no fee.

  • 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.

  • 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 five 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.

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