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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
Earn 150,000 Membership Rewards® pointsWelcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Reward Rates
5XEarn 5X points on flights and prepaid hotels booked on AmexTravel.com.
1.5XEarn 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1XEarn 1X points on other eligible purchases.
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
18.49% - 29.24% Variable
Annual Fee
$695

Highlights

  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
  • Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
  • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
  • 5X points on flights and prepaid hotels booked on AmexTravel.com
  • 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 1X points on other eligible purchases
  • Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
  • $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.