The Business Platinum Card® from American Express

Earn 150,000 Membership Rewards® points

after you spend $20,000 on eligible purchases with your Card within the first 3 months of Card Membership.

Learn How to Apply

Rates & Fees
The Business Platinum® Card from American Express
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Quick Summary

The Business Platinum Card by American Express has a high annual fee but all the bells and whistles needed to justify it. Amazing limited time offer, lounge access, $200 annual airline incidental credit, and more. Once again, you do not need to own a “traditional business” to qualify for one.

Learn How to Apply

How to Earn Rewards


5X Membership Rewards® points on flights and prepaid hotels on


Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.


Earn 1X points for each dollar you spend on eligible purchases.

Annual Fee


Terms Apply. | Rates & Fees.

Our Take

The Business Platinum Card® by American Express is one of the premier business cards on the entire market, and for good reason.

The card is currently offering a generous 120,000 point welcome offer, though many readers are able to find even better offers via personal referrals. Definitely check those first.

Like Chase Ultimate Rewards, American Express Membership Rewards are incredibly valuable because of their ability to be transferred to 17 airline partners and 3 hotel partners or use to book with Amex Travel.

The spend required to earn the bonus on this card is one of the highest on the market but the 5x on travel bookings with Amex is a great perk for business owners who need to book a significant amount of travel.

Amex Business Platinum cardholders also get complimentary access to the Amex Centurion Lounges, which are some of the best airport lounges in the US.

Cardholders also receive Gold status with Marriott and Hilton.

And lastly, American Express has upgraded this card to a new metal version. Not exactly a travel perk, but it certainly beats a plastic card.


35% Points Back

Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 500,000 points back per calendar year.

$200 Airline Fee Credit

Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.

Up to $100 Credit

$100 TSA PreCheck/Global Entry Credit. Enrollment Required.

Statement Credits

Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.

CLEAR® Credit

Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.

Save on Premium Airfare

Get 35% of your points back when you book a first or business class flight, or any flight with your selected airline, up to 500k points back each year. Enrollment required.

Lounge Access

Access to the Global Lounge Collection, allowing you to access 1,300+ airport lounges worldwide. Enrollment required.

Terms Apply

Terms apply

Compared to Other Cards

American Express® Business Gold Card

Welcome Bonus:

70,000 Bonus Points

after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.

Annual Fee:


Terms Apply. | Rates & Fees.

Learn More

The Platinum Card® from American Express

Welcome Bonus:

Earn 80,000 Membership Rewards® points

after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Annual Fee:


Terms Apply. | Rates & Fees.

Learn More

Editorial Note

Content is not provided or commissioned by credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.