Score a Massive 190K Bonus With the Amex Business Platinum Card [Current Public Offer Is 200K]

One of the best-kept secrets when considering applying for a new credit card is that welcome offers can vary over time, depending on where, when, and how you apply for the card. Since it may only be possible to earn a welcome offer once per card, it makes sense to apply for the highest and best welcome offer you can find.

The Business Platinum Card^® from American Express is one of our top picks for a business credit card and is definitely worth considering adding to your wallet. After meeting minimum spend thresholds, you can earn up to 190,000 bonus points.

Though the current public welcome offer is even higher, here are some strategies to be aware of when the public offer decreases.

Amex Business Platinum Card Welcome Offer

One of the best places to look for welcome offers on the Amex Business Platinum card is directly on American Express’ website. Always verify the welcome offer that’s publicly available. That gives you something to compare to when you try some of the other strategies outlined in this article.

The current public offer is: Earn 150,000 200,000 points after spending $20,000 in eligible purchases within the first 3 months.

We know that Amex has given elevated offers on the Amex Business Platinum card and its consumer version, the Platinum Card^® from American Express, directly to targeted applicants. As with all targeted offers, these offers aren’t available to all applicants.

Here’s an example of a targeted offer we’ve seen: Earn up to 190,000 Membership Rewards after spending $15,000 in purchases in the first 3 months of card membership.

Use the CardMatch Tool

If you don’t find the offer you want on the Amex website, checking the CardMatch tool is another option. CardMatch takes a limited amount of your personal information and checks for elevated offers on various cards you might be eligible for. You could find the 190,000 point offer or one that’s even better. The best part is that CardMatch doesn’t conduct a hard pull on your credit.

Look for Targeted Email or Postal Offers

Ensure you’re signed up for American Express email and postal offers. You may receive targeted offers for 190,000 Membership Rewards points or even more. To receive these targeted offers, opt in to receive New Card and Credit Offers in your account’s General Marketing Email Preferences.

Amex Business Platinum Card Benefits

Here are some of the benefits that come with the Amex Business Platinum card.

• Several annual statement credits, including eligible purchases made at Dell Technologies, Indeed, Adobe, U.S. wireless service providers, airline fee incidentals, and a CLEAR Plus membership (enrollment required for some benefits).
• Global Entry or TSA PreCheck application fee credit
• Up to $600 annual hotel credit on prepaid stays with Fine Hotels + Resorts or The Hotel Collection (2-night minimum) booked on AmexTravel.com. You get up to $300 between January and June and up to another $300 from July through December
• Access to over 1,550 lounges at airports around the world, including American Express Centurion Lounges (domestic and international), 10 visits per year to Delta Sky Clubs (with a same-day Delta boarding pass), and Priority Pass lounges (enrollment required)
• Up to a $200 Hilton statement credit (enrollment required)
• Complimentary elite status with Hilton Honors, Marriott Bonvoy, and Leaders Club upon enrollment
• 35% of your points back when you use Pay With Points for a flight on your preselected airline booked through AmexTravel.com (on up to 1 million points per year)
• Annual fee: $895 (rates & fees)

Earning Membership Rewards With the Amex Business Platinum Card

In addition to the outstanding welcome offer and many benefits just for having the card, you also earn valuable Membership Rewards points at the following rates:

• 5x on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com
• 2x points for eligible purchases at U.S. electronic goods retailers (like Apple)
• 2x points at U.S. shipping providers, U.S. software and cloud system providers, and U.S. construction material and hardware suppliers
• 2x points on purchases of $5,000 or more (limited to $2 million per year)
• 1x points are earned on all other eligible spending

Maximizing the 190K Welcome Offer

What can you do with 190,000 American Express Membership Rewards points? Quite a few things, depending on what you’re interested in. Here are 2 ideas to give you some travel inspiration.

Fly Business Class to Europe

Ever dreamed of flying with a friend or loved one to Europe in business class? You have several options to get there in style with Membership Rewards. American Express is a transfer partner of Air Canada and ANA at a 1:1 ratio. You can often find tickets through one of these loyalty programs for between 120,000 and 150,000 points, transferred from Amex.

Take Multiple U.S. Domestic Trips

American Express also transfers 1:1 to British Airways Avios, and you can use Avios to book short-haul flights in the United States with partners American Airlines or Alaska Airlines. British Airways has a distance-based award chart, with shorter flights costing 7,500 or 9,000 Avios per segment. With 190,000 Membership Rewards, you could have enough for 10 or more round-trip flights within the United States.

Final Thoughts

One of the biggest benefits of the Amex Business Platinum card is the superb welcome offers. Following these strategies can help you find a Business Platinum 190,000-point welcome offer or even higher. Make sure to compare any targeted offers you receive to the publicly available offer so you can maximize the value of your new Amex Business Platinum card.