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The Business Platinum Card® from American Express

The Business Platinum Card®  from American Express
See Rates & Fees, Terms Apply

Partner Offer

Our rating:4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
120,000 pointsWelcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Reward Rates
5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5XEarn 1.5X points on eligible purchases 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
1X1X points for each dollar you spend on eligible purchases.
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
17.99% - 25.99% Variable
Annual Fee
$695

Highlights

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases 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.
  • 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.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.

Features

  • Airport Lounge Access
    Airport Lounge Access
  • Annual Travel Credit
    Annual Travel Credit
  • Business
    Business
  • Concierge Service
    Concierge Service
  • Elite Status
    Elite Status
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Free Wi-Fi Access
    Free Wi-Fi Access
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
    Points
  • Presale Tickets
    Presale Tickets
  • Private Jet Access
    Private Jet Access
  • Rewards
    Rewards
  • Roadside Assistance
    Roadside Assistance
  • Travel
    Travel
  • TSA/Customs Reimbursement
    TSA/Customs Reimbursement
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.9 out of 5

Our take: The Business Platinum Card from American Express offers great travel benefits and a large introductory offer, but the spending requirement to earn the offer is daunting, and many small business owners may be hard-pressed to spend enough to qualify for all of the card’s benefits.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.