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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:4.5 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 Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
Balance Transfers Intro APR
N/A
Purchases Intro APR
See Pay Over Time APR
Regular APR
14.24% - 22.24% Variable
Annual Fee
$595 (10/14-1/12/22)

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.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.

Features

  • Airport Lounge Access
    Airport Lounge Access
  • Annual Travel Credit
    Annual Travel Credit
  • Auto Rental Insurance
    Auto Rental Insurance
  • Business
    Business
  • Concierge Service
    Concierge Service
  • Elite Status
    Elite Status
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • 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
  • Purchase Protection
    Purchase Protection
  • Rewards
    Rewards
  • Roadside Assistance
    Roadside Assistance
  • Travel
    Travel
  • Travel Accident Insurance
    Travel Accident Insurance
  • TSA/Customs Reimbursement
    TSA/Customs Reimbursement
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.5 out of 5

Our take: The Business Platinum Card from American Express offers great travel benefits and a large introductory bonus, but the spending requirement to earn the bonus 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.