Amex Business Platinum Card vs. Chase Sapphire Reserve Card [Detailed Comparison]

Key Takeaways

• The Business Platinum Card^® from American Express earns 5x points on flights, prepaid hotels, short-term rentals, and prepaid flight and hotel packages booked through AmexTravel.com. It also has travel benefits and travel and business-focused statement credits.
• The Chase Sapphire Reserve^® earns 8x points on travel booked through Chase Travel, 4x points on flights and hotels booked directly, and 3x on dining worldwide. The card comes with statement credits for select purchases and excellent travel insurance.
• The Amex Business Platinum card has more transfer partners, but the Chase Sapphire Reserve card has more ways to earn points.

When it comes to premium travel rewards cards, there’s a short list of cards that stand out from the others. The Amex Business Platinum card and the Chase Sapphire Reserve card are frequently mentioned in this category.

A premium rewards card can deliver elevated earnings on your purchases, provide travel benefits that make your trip more comfortable, and offer redemptions that maximize your hard-earned rewards. Both cards we’re comparing today accomplish all of this and more.

If you’re considering a new premium rewards card and have reviewed either or both the Amex Business Platinum card or the Chase Sapphire Reserve card, you know there’s value to be found.

That potential value is why we’ve chosen these 2 popular cards for our comparison. Our article today examines how these cards provide value in the categories that matter most to travelers, while also considering the additional benefits that sweeten the deal.

Business Card vs. Personal Card

The Amex Business Platinum card is an Amex business card, and the Chase Sapphire Reserve card is a personal consumer card. You should consider a business card, such as the Amex Business Platinum card, to separate business and personal purchases and simplify expense organization. If your expenses are more personal, a personal travel rewards card, cash-back card, or card that earns rewards on everyday purchases, such as the Chase Sapphire Reserve card, would be more appropriate.

If you’re ready to select just a single card and it could be either of our featured cards, our comparison will help you immensely with your decision.

Overview

Before we dive into the details of each card, let’s get a high-level overview of how the cards compare overall.

Some benefits of the Amex Business Platinum card and the Chase Sapphire Reserve card require enrollment or registration through your online card account or adding your card as a payment method to the associated provider.

Current Welcome Offer Comparison

You typically earn welcome bonus offers on cards when you meet minimum spending requirements within the specified period after being approved for the card. These bonuses can be substantial and serve to jump-start your rewards account. These welcome offers fluctuate, so you should always thoroughly review the most current offer before applying for any card.

Here’s a snapshot of the welcome offers for the Amex Business Platinum card and the Chase Sapphire Reserve card:

Amex Business Platinum Card

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

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.

150,000 points

UP's Offer Valuation*:

Up to $3,300

Annual Fee

$695

APR

18.49% - 29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

• 5x Membership Rewards points per $1 on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked through Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection (as of 10/2024).
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card 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.

Financial Snapshot

• APR: 18.49% - 29.24% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Chase Sapphire Reserve Card

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 100,000 bonus points + $500 Chase Travel promo credit after you spend $5,000 on purchases in the first 3 months from account opening. Get more than $2,700 in annual value with Sapphire Reserve.

100,000 points + $500 Chase Travel credit

UP's Offer Valuation*:

$2,000

Annual Fee

$795

APR

20.24% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 20.24% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Membership Rewards points can typically be redeemed for 1 cent each. With the Amex Business Platinum card, you may receive significantly greater potential value when transferring points to travel partners or redeeming for travel via AmexTravel.com.

Ultimate Rewards points have a base redemption value of 1 cent each for travel booked via the Chase Travel portal and up to 2 cents each when using Points Boost on select flight and hotel redemption options. Points also have the potential for greater value when transferred to Chase airline and hotel transfer partners.

Bottom Line: The Amex Business Platinum card may have a welcome offer that exceeds the value of the Chase Sapphire Reserve card offer. However, the value of your welcome bonus offer depends on how points are redeemed. Additionally, welcome offers and point values can vary, so check current offers and values before applying. 

Membership Rewards Points vs. Ultimate Rewards Points

The Amex Business Platinum card earns Membership Rewards points, while the Chase Sapphire Reserve card earns Ultimate Rewards points.

Determining which points are more valuable is challenging, as value is based on your redemption preference. You can be confident that your rewards will be some of the most valuable, regardless of which card you select.

Let’s examine how the cards compare in terms of earning potential and redemption options.

Earning Potential

Selecting a card that matches your spending profile is key to maximizing earnings. Let’s examine how our featured cards earn rewards on your purchases.

Here is how the Amex Business Platinum card and the Chase Sapphire Reserve card earn rewards.

If you spend heavily on select business expenses, including U.S. construction materials and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, you’d earn more on the Amex Business Platinum card than the Chase Sapphire Reserve card. Eligible purchases of $5,000 or more, up to $2 million per calendar year, excluding travel, also earn 1.5x.

The Chase Sapphire Reserve card earns well on travel, whether purchased through the Chase Travel portal or directly from the airline or hotel. You earn 8x points on travel in the Chase Travel portal and 5x on airfare and hotels booked directly with the airline or hotel.

Bottom Line:

The Amex Business Platinum card earns well on select travel booked via AmexTravel.com and on purchases that fall into the select business bonus categories. The Chase Sapphire Reserve card is the stronger card when it comes to overall earning potential, including travel purchases.

Redemption Options

While the associated rewards programs have differences, there are similarities when redeeming your points for good value.

Here’s how the Amex Business Platinum card and Chase Sapphire Reserve card stack up when you’re ready to redeem your rewards.

Both of our featured cards have a base redemption value of 1 cent per point when redeeming via their associated travel portals. However, you can realize a greater value if Amex Business Platinum cardholders utilize the 35% points rebate. The same applies to Chase Sapphire Reserve cardholders, whose points may be worth as much as 2 cents each when booking through Chase Travel using Points Boost.

The best potential value for your points in either program is to transfer points to the associated airline or hotel partners.

Bottom Line: You get the maximum potential redemption value with either Membership Rewards points or Ultimate Rewards points by redeeming for travel via the associated proprietary travel portals or by transferring rewards points to airline and hotel partners. When considering redeeming points for statement credits or cash, the Chase Sapphire Reserve card is superior.

Comparing Statement Credits

Statement credits provide direct value by reimbursing you for specific purchases.

Here are the statement credits (enrollment required for some) you can expect to see on the Amex Business Platinum card and the Chase Sapphire Reserve card:

Bottom Line: While the Amex Business Platinum card and the Chase Sapphire Reserve card offer several options for receiving statement credits for select purchases, the Chase $300 travel credit may be easiest to utilize, as the definition of travel is very broad. The better card for statement credits is ultimately the one that has the most offers you can actually use. 

Air Travel Advantages

Worldwide Airport Lounge Access

You won’t find broader lounge access benefits than those offered on the Amex Business Platinum card and its consumer version, The Platinum Card^® from American Express.

The Chase Sapphire Reserve card also offers a respectable worldwide lounge access benefit. Although it does not match that of American Express, it still provides access to numerous lounge properties, and its footprint is expanding quickly.

Here are the worldwide lounge options offered by both cards.

Amex Business Platinum Card

The Amex Business Platinum card offers the cardholder access to over 1,400 lounge properties worldwide and includes the following networks:

• Centurion Lounges (U.S. and abroad)
• 10 visits a year to Delta Sky Club (when flying Delta same day, plus the ability to unlock unlimited visits by spending $75,000 on eligible purchases in a year)
• Escape Lounges – the Centurion Studio Partner
• Select Lufthansa Lounges (when flying on a same-day Lufthansa Group ticket)
• Plaza Premium Lounges
• Priority Pass Select (upon enrollment)
• Select Virgin Clubhouses

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card comes with worldwide lounge access and a Priority Pass Select membership that includes access to over 1,300 properties.

• Priority Pass Lounges (upon enrollment)
• Chase Sapphire Lounge by the Club for Chase Sapphire Reserve cardholders via their Priority Pass membership.
• Chase Sapphire Terrace locations
• Select Air Canada Maple Leaf lounges

The Chase Sapphire Reserve card also allows 2 additional guests access to most lounges, based on availability.

Bottom Line: Both of our featured cards offer worldwide lounge access. The Amex Business Platinum card features a more expansive lounge network, including the exclusive Centurion Lounges and Delta Sky Club access. 

Card-Specific Airline Benefits

Amex Business Platinum Card

While there are limited airline-related perks offered on our featured cards, the Amex Business Platinum card does offer these associated benefits:

• International Airline Program: Get discounted international airfare when purchasing eligible round-trip business or first-class airline tickets
• Delta Sky Club access: 10 visits a year for cardholders when flying same-day on Delta flights (plus the ability to unlock unlimited visits)

Chase Sapphire Reserve Card

You get A-List status and $500 in Southwest Airline credit when you spend at least $75,000 on your Chase Sapphire Reserve card each year. See the high-spender benefits below.

Hotel Program Perks

Amex Business Platinum Card

With special benefits at 2 unique hotel collections and complimentary hotel elite status in 2 popular programs, the Amex Business Platinum card delivers value that cardholders can use at thousands of properties.

• Hilton Honors and Marriott Bonvoy Gold Elite status upon enrollment
• American Express Fine Hotels + Resorts benefits include:
  • Room upgrades, when available
  • Daily breakfast for 2
  • Early check-in and late checkout
  • Free Wi-Fi
  • Unique local amenity worth $100 or more
• The Hotel Collection benefits for 2-night stays or longer
  • $100 per room credit to use onsite
  • Upgraded room when available

Chase Sapphire Reserve Card

Although the Chase Sapphire Reserve card does not offer hotel program elite status, it does come with elite-style benefits through the Edit by Chase Travel, provided you book at least a 2-night stay.

• The Edit benefits include:
  • $100 on-site amenity unique to the property, such as dinner, spa, resort credit, etc.
  • Early check-in and late checkout, when available
  • Upgraded room at check-in, if available
  • Daily breakfast for 2
  • Free Wi-Fi

Additionally, the card comes with an annual statement credit of up to $500 for the Edit, delivered in 2 separate $250 credits, January through June, and July through December.

Bottom Line: Although both cards offer plenty of benefits at various boutique hotel collections, the Amex Business Platinum card edges out the Chase Sapphire Reserve card with complimentary Hilton Honors and Marriott Bonvoy Gold elite status.

Car Rental Privileges

Amex Business Platinum Card

• National Emerald Club Executive status
• Avis Preferred American Express Benefits
• Hertz Gold Plus Rewards President’s Circle status

Chase Sapphire Reserve Card

Cardholders receive several car rental program discounts and enhanced benefits such as car upgrades with partner car rental companies, including Avis and National.

Bottom Line: The Amex Business Platinum card comes out ahead of the Chase Sapphire Reserve card when comparing hotel, airline, and rental car program benefits. 

Notable Travel Insurance and Protection Benefits

While the travel insurance that comes with your credit card doesn’t replace the need to consider purchasing travel insurance, you will find coverage that can be sufficient for trips that don’t involve a significant non-refundable investment.

Here’s how our featured cards compare with the travel insurance coverages offered:

Bottom Line: While both cards do a good job of providing travel insurance benefits and protections, the edge goes to the Chase Sapphire Reserve card, with its primary auto rental coverage, baggage delay, emergency medical and dental insurance, premium roadside assistance, and travel accident insurance. 

Shopping Showdown: Benefits and Protections

Extended Warranty

• Amex Business Platinum card: Adds 1 year to manufacturer’s warranties of 5 years or less; maximum of $1,000 per eligible item, up to $50,000 per calendar year
• Chase Sapphire Reserve card: Extends the manufacturer’s warranty of 3 years or less for eligible products purchased with the card for 1 additional year; maximum $10,000 per claim, $50,000 per year

Purchase Protection

• Amex Business Platinum card: Purchase protection includes coverage for theft, damage, or loss on eligible purchases for 90 days from the purchase date; maximum $10,000 per purchase and $50,000 per calendar year
• Chase Sapphire Reserve card: Purchase protection includes theft, damage, and accidental parting for 120 days from the date of purchase, up to $10,000 per claim, $50,000 per calendar year

Return Protection

• Amex Business Platinum card: If the merchant will not accept a return within the first 90 days of an eligible item being purchased with your card, you could receive up to $300 per item, up to $1,000 per year
• Chase Sapphire Reserve card: Returns not accepted by the merchant within 90 days of purchase could qualify for up to $500 per item, up to $1,000 maximum per year for eligible items

Shopping Offers

In addition to shopping benefits and protections, both Amex and Chase offer statement credits and elevated earnings offers via Amex and Chase Offers.

• Amex Offers: Sign in to your online Amex card account, scroll down the page, and find up to 100 Amex offers that can save you money or provide elevated earnings when you add them to your account (enrollment required).
• Chase Offers: Although not typically as lucrative as Amex Offers, Chase offers also earn cash-back on specific purchases after adding them to your account.

Additional Benefits for High Spenders

Amex Business Platinum cardholders get complimentary guest access for up to 2 guests after spending $75,000 or more in a calendar year. This spending threshold also unlocks unlimited access to Delta Sky Clubs when flying with Delta Air Lines.

The Chase Sapphire Reserve card offers these additional benefits for cardholders who spend $75,000 or more in a calendar year.

• Southwest Airlines A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
• $250 credit to the Shops at Chase
• IHG One Rewards Diamond Elite status

Which Is Best for You?

While both cards offer premium benefits, respectable earning opportunities, and redemptions, one of these cards may be a better fit for your situation over the other.

Here’s our take on which card might have the edge in each category:

• Best for earning points: The Chase Sapphire Reserve card appears to be the winner when it comes to earning rewards, as it offers more ways to earn. However, if you spend a lot on the select business categories or make large purchases of $5,000 or more, you may do better with the Amex Business Platinum card.
• Best for redemptions: While both cards offer the potential for excellent value when redeeming points for travel, the Amex Business Platinum card has more lucrative transfer airline partners than the Chase Sapphire Reserve card. Additionally, both cards offer bonus value when redeeming through their respective travel portals.
• Best for statement credits: Both the American Express Business Platinum card and the Chase Sapphire Reserve card offer a long list of statement credits for select purchases. However, the $300 travel credit on the Chase card may be the most easily utilized.
• Best for worldwide lounge access: The Amex Business Platinum card offers greater lounge access, with access to Centurion Lounges and the Delta Sky Club in addition to the Priority Pass lounges also offered by the Chase Sapphire Reserve card.
• Best for travel insurance and protections: With primary car rental coverage, better baggage insurance, ancillary medical and dental coverage, and $1 million in travel accident insurance, the slight edge goes to the Chase Sapphire Reserve card.
• Best for shopping benefits: Both cards offer similar shopping benefits and protections.

Please note that this summary is an overview only. The actual value you receive depends on your spending. Additionally, we have not included every benefit offered on each card but have instead highlighted the core benefits that provide the most value.

Final Thoughts

Both of our featured cards offer excellent earning and redemption options, worldwide lounge access, and plenty of travel and shopping benefits.

The best card for you is the one that best matches your spending and redemption goals and offers benefits that will deliver value.

If you’re a business traveler who travels internationally, the American Express Business Platinum card could provide significant value. If your travel is more personal in nature, but you still want premium travel benefits, the Chase Sapphire Reserve card may be a better fit.

In the end, you won’t go wrong with either of these premium cards.

*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

For the secondary rental car coverage benefit of The Business Platinum Card^® from American Express, Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance benefit of The Business Platinum Card^® from American Express, Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the premium global assist benefit of The Business Platinum Card^® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the purchase protection benefit of The Business Platinum Card^® from American Express, Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Business Platinum Card^® from American Express, when an American Express^® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip cancellation and interruption insurance benefit of The Business Platinum Card^® from American Express, the maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of The Business Platinum Card^® from American Express, up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the return Protection benefit of The Business Platinum Card^® from American Express, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express^® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by Card. Terms, Conditions and Limitations Apply.

For the cell phone protection benefit of The Business Platinum Card^® from American Express, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.