25 Benefits of the Amex Business Platinum Card (Over $5,000 Value)

The Business Platinum Card^® from American Express is a premium business card with an annual fee of $895 (rates & fees). It offers extensive benefits, including lounge access and a large points bonus on purchases made on AmexTravel.com.

This guide examines its earning rates, travel benefits, statement credits, and protections with independent Upgraded Points valuations so you can weigh the card’s value against the annual fee.

Quick Overview: Amex Business Platinum Card Benefits

The Amex Business Platinum card has an $895 annual fee and a welcome offer as high as 300,000 points when you spend $20,000 within the first 3 months. Major benefits of the card include lounge access with the Amex Global Lounge Collection, more than $3,300 in annual statement credits, hotel and rental car elite status, and 5x earning on flights and prepaid hotels via AmexTravel.com. It has an estimated potential first-year value of more than $7,000 with the welcome offer and the value of the card’s credits, lounge access, earning rates, status benefits, and protections. Some credits require enrollment and are use it or lose it, so the value you get from the card depends on your spending and how much you use the benefits.

Benefits Summary

The Amex Business Platinum card can offer more than $7,000 in first-year value:

Earning Rates

Statement Credits

Credits Unlocked With $250,000 Annual Spending

Travel and Protection Benefits

Note: Some benefits require enrollment through your American Express account. Terms Apply.

Earn Valuable Membership Rewards Points

1. Generous Welcome Offer ($1,760 in Value)

The Amex Business Platinum card earns a welcome offer based on spending when you open the card. The current Amex Business Platinum card welcome offer is:

NEW OFFER

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

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 300,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $6,600

Annual Fee

$895

APR

17.74% - 28.49% 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 card application.

Good to Excellent

Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points 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 $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• 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. Gift cards are not an eligible purchase. Benefit enrollment required.
• 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.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• 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.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• 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.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• 2X points on purchases at U.S. 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.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• Terms Apply.

Financial Snapshot

• APR: 17.74% - 28.49% 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 as high as 300,000 points with the Amex Business Platinum card. Find out your offer. Terms Apply.

The welcome offer often fluctuates between 80,000 and 175,000 Membership Rewards points, but it can be as high as 300,000 points. For 80,000 Membership Rewards points, which Upgraded Points values at 2.2 cents per point, the bonus is worth $1,760.

2. Earn 5x Points on Select AmexTravel.com Travel Purchases ($100)

The Amex Business Platinum card perk earns 5 Membership Rewards points per $1 spent on flights and prepaid hotels on AmexTravel.com. Hotel reservations that aren’t prepaid, car rentals, cruises, vacation packages, and most other travel purchases don’t earn 5x points.

We value this benefit at $100, but the value depends on your travel spending.

3. Earn 2x on Eligible Purchases and Purchases Over $5,000 ($50)

You can earn 2x points on eligible purchases in key business categories (including U.S. electronic goods retailers, U.S. software and cloud system providers, U.S. shipping services, and U.S. construction material and hardware suppliers), as well as on purchases of $5,000 or more everywhere else, on up to $2 million in purchases per calendar year.

Some other Amex cards earn more points on all purchases, such as The Blue Business^® Plus Credit Card from American Express, which earns 2x points on all purchases up to $50,000 per year (then 1x). A card that earns bonus points in specific categories or more points on all purchases will give you a better return on your business expenses, such as the American Express^® Business Gold Card.

We value this benefit at $50. While the higher earning rate for large purchases is nice, we recommend using another business credit card for most of them.

Hot Tip: Interested in how this card stacks up against the Platinum Card^® from American Express? This review pits The Amex Business Platinum Card against the Amex Platinum Card.

Redeeming Valuable Membership Rewards Points

4. Get a 35% Rebate When Redeeming for Airfare with Pay With Points ($50)

All American Express cardholders can redeem Membership Rewards points at 1 cent per point toward paid flights through AmexTravel.com, which offers a lower value than when you redeem points through American Express’ various transfer partners. However, Amex Business Platinum cardholders get a 35% rebate when using points to book flights on their selected qualifying airline through AmexTravel.com, on up to 1 million points per year.

Booking a $1,000 flight from New York (JFK) to London (LHR) would cost 100,000 Membership Rewards points. However, you could get 35,000 Membership Rewards points back as a rebate.

We value this benefit at $50 because you can likely get a better value with a transfer partner. However, this benefit can be useful if you need to book a flight with no award space.

Travel Benefits

5. Complimentary Access to More Than 1,550 Airport Lounges Worldwide (Value Varies)

One of the most valuable Amex Business Platinum card perks is access to more than 1,550 airport lounges worldwide with the American Express Global Lounge Collection (Source: American Express).

Amex Business Platinum cardholders have access to the following airport lounges:

• The Centurion Lounge Network
• 10 visits to Delta Sky Clubs (when flying Delta) with the ability to unlock unlimited visits through spend
• Escape Lounges – The Centurion Studio Partner and Escape Lounges
• Lufthansa Lounges
• Plaza Premium Lounges
• Priority Pass Select (upon enrollment)
• Aspire Lounges

The Centurion Lounge Network

The Centurion Lounge is American Express’ premium lounge offering available worldwide, with nicer meals, high-end local cocktails, and carefully designed seating areas. Local cues include a New York craft beer bar at the LaGuardia Centurion Lounge and barbecue at the Dallas Fort Worth Centurion Lounge.

Amex Business Platinum cardholders can bring up to 2 guests into the lounge with them per visit after spending $75,000 in a calendar year. Additional guests cost $50 per day for adults and $30 for children ages 2 to 17. As of July 8, 2026, cardmember guests must be traveling on the same flight as the cardmember to enter the lounge, and cardmembers may access the lounge during a layover up to five hours before their departing flight.

We value Centurion Lounge access at $250 for anyone who travels with moderate frequency. Many U.S. hubs already have Centurion Lounges, and more are being built worldwide. This perk is worth more if you have a Centurion Lounge at your home airport or at a destination you travel to and from frequently.

Delta Sky Club

Amex Business Platinum cardholders also get access to Delta Sky Clubs when traveling on a Delta Air Lines flight. With Delta Sky Club Access, Cardmembers receive 10 visits to the Delta Sky Club to be used from February 1 until January 31 of the following calendar year, and can unlock unlimited Delta Sky Club access by spending $75,000 in eligible purchases on their card in a calendar year.

All Delta Sky Clubs have complimentary food, alcoholic and nonalcoholic beverages, and Wi-Fi. Some Sky Clubs offer rooftop access and premium beverages for sale.

We value Delta Sky Club access at $200 because you can only access it alone and when flying on a Delta ticket. However, you can get more than $200 in value if you fly Delta Air Lines frequently, especially when you consider that a Delta Sky Club subscription is well over $500 when purchased outright.

Escape Lounges – The Centurion Studio Partner and Escape Lounges

Escape Lounges are often found at midsize U.S. airports like John Glenn Columbus International (CMH), Oakland International (OAK), and Phoenix Sky Harbor International (PHX). There are also U.K. lounges, including at Manchester (MAN), London Stansted (STN), and East Midlands (EMA).

Amex Business Platinum cardholders can bring up to 2 guests into the Escape Lounge, making it a good alternative to Centurion Lounges and Delta Sky Clubs when traveling with a friend or family member. However, given the limited number of lounges, we value the Escape Lounge benefit at $50 per year.

Lufthansa Lounges

Amex Business Platinum cardholders can access some Lufthansa Lounge locations when flying on a Lufthansa group flight, including Austrian Airlines, Lufthansa, and SWISS. Cardholders flying business class can access the more premium Lufthansa Senator Lounges.

We value Lufthansa lounge access at a modest $50 per year.

Plaza Premium Lounges

Plaza Premium is a Hong Kong-based lounge network at airports across Asia, Europe, the Middle East, and North America. These lounges are known for having solid food and beverages, sleek interior design, and fast internet.

All Amex Business Platinum cardholders can access Plaza Premium Lounges and can bring 1 guest.

We value this benefit at $100. While there are a limited number of U.S. locations, frequent travelers can make good use of the Canadian, Hong Kong, and European lounges at least once a year.

Priority Pass Select

Priority Pass is the world’s largest lounge network. Priority Pass has over 1,400 airport lounges worldwide available to Amex Business Platinum cardholders upon enrollment, spanning every inhabited continent. There are Priority Pass lounges at major U.S. airports, such as Hartsfield-Jackson Atlanta International (ATL) and New York City’s John F. Kennedy International (JFK), giving economy passengers and those without airline status access to a predeparture lounge.

The Amex Business Platinum card is easily one of the best cards with Priority Pass, although American Express Priority Pass members are no longer allowed access to Priority Pass restaurants or other airport experiences. Members can bring up to 2 guests.

We value the Priority Pass Select benefit at $250 for most travelers.

6. Save Money With Platinum Member Airfares (Varies)

Amex Business Platinum cardholders can access American Express’ Platinum Member Airfares, which offers Amex Business Platinum cardmembers discounted airfare on select international flights booked in premium economy, business, and first class through AmexTravel.com on several airlines, as well as select domestic economy bookings.

The discount you receive depends on the flight you book. For example, a ticket for Newark (EWR) to Toyko (NRT) via Detroit (DTW) on Delta could cost $4,371, or $3,578 with the Platinum Member Airfares discount, saving just over 18% by using this benefit.

For a premium economy ticket from New York (JFK) to Madrid (MAD), a nonstop option on Iberia might be priced at $857 through Platinum Member Airfares, down from $1,291 without the discount — a 44% discount.

It’s hard for us to assign a solid valuation to this benefit, given its variability. If you rarely book paid premium airfare, you would get significantly less value than someone who books it frequently.

7. Airline Incidental Fee Credit ($200 Value)

The Amex Business Platinum card, like the Amex Platinum card, includes an up-to-$200 airline incidental fee credit. The credit can cover baggage fees, seat assignment costs, and lounge passes for your chosen airline.

Activate the benefit, then charge your eligible purchase to your Amex Business Platinum card, and it will automatically be refunded to your account as a statement credit within 4 weeks.

We value this benefit at its face value of $200. While it isn’t as flexible as the Chase Sapphire Reserve^®‘s $300 travel credit, it’s useful for frequent travelers.

Hot Tip: This benefit isn’t available with the Amex Business Gold card. Wondering how else these 2 cards differ? Check out our analysis of The Amex Business Platinum Card versus the Amex Business Gold Card.

8. Complimentary Hilton Honors, Marriott Bonvoy, and Leading Hotels of the World Status ($200 Value or More)

Upon enrollment, Amex Business Platinum cardholders are entitled to complimentary Hilton Honors Gold, Marriott Bonvoy Gold Elite status, and Leaders Club Sterling status with their card membership. These complimentary elite statuses give cardholders benefits such as complimentary, space-available upgrades, late checkout, and bonus points.

Status benefits include:

Hilton Honors Gold Benefits:

• 80% points bonus
• Room upgrades (subject to availability)
• Continental breakfast or daily food and beverage credit

Marriott Bonvoy Gold Elite Benefits:

• 25% points bonus
• Welcome gift at check-in
• Room upgrades (subject to availability)
• Complimentary in-room internet, even when not booking directly with Marriott
• Priority 2 p.m. late checkout

Leaders Club Sterling Benefits:

• 5% stay bonus on points earned
• 5 prearrival upgrades annually
• Sixt Platinum status
• Upgrade priority at arrival
• Daily continental breakfast for 2 guests
• Early check-in and late checkout considerations

This benefit lets you switch among Hilton, Marriott hotels, and Leading Hotels of the World properties without worrying about losing status benefits or not requalifying for the next year.

We value this Amex Business Platinum card benefit at $200. If you stay at Hilton, Marriott, or Leading Hotels of the World properties more than a couple of times per year, you can get more than $200 in value from this benefit.

9. Hotel Statement Credit ($600 Value)

The Amex Business Platinum card offers up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts and The Hotel Collection bookings through AmexTravel.com when you pay with your card.

It’s divided into 2 credits, with up to $300 between January and June and up to $300 between July and December. Booking through The Hotel Collection requires a minimum 2-night stay, while bookings through Fine Hotels + Resorts can be for a single night..

We value this credit at its face value of $600 per year, as there are many hotels you can book through Fine Hotels + Resorts and The Hotel Collection.

10. American Express Fine Hotels + Resorts Access ($150 Value or More)

When you use your Amex Business Platinum card to book hotels through American Express’ Fine Hotels + Resorts program, you can receive elite-like benefits.

When you book an FHR property, you earn 5 points per $1 on your purchase and receive the following benefits:

• Complimentary Wi-Fi
• Daily breakfast for 2 people
• Guaranteed 4 p.m. late checkout
• Noon check-in (subject to availability)
• Room upgrade upon arrival (subject to availability)
• A unique property amenity valued at $100

We value this benefit at $150 per year, but it can be much higher if you frequently book qualifying hotel stays. These benefits are particularly beneficial when you’re staying at independent hotels not tied to a traditional hotel status program.

Hot Tip: See our comparison of Amex Fine Hotels + Resorts versus The Hotel Collection to understand the differences and get the most value from both.

11. Complimentary Rental Car Status and Benefits ($200 Value or More)

Amex Business Platinum cardholders get car rental privileges at 3 major car rental companies upon enrollment: Avis, Hertz, and National, with benefits including:

Avis Preferred American Express Benefits:

• Complimentary 1-car-class upgrade: Use coupon code #UUNA007 when making a reservation, and get a 1-class upgrade when available. This is not a guaranteed benefit.
• 25% off base rates: Book directly with Avis and use Avis Worldwide Discount (AWD) code #756900 for the discount.

Hertz Gold Plus Rewards Benefits:

• 20% off standard rates: You must use code #633306 to take advantage of this discount and other benefits.
• 25% off premier rentals when a Saturday night is included: Available for U.S., Canada, and European Hertz premier rentals
• 4-hour, no-charge grace period: You can return a rental up to 4 hours late with no penalty in most countries, though Hertz locations in some countries only offer a 2-hour grace period.
• 1-car-class upgrade: This benefit is based on availability and not guaranteed.

National Emerald Club Executive Status:

• Executive area access: Choose any car class (full-size and above) and only pay the midsize rate.
• Guaranteed upgrades: Guaranteed upgrades on midsize vehicle rentals in the U.S. and Canada
• No second-driver fees: Add a second driver for no additional charge.
• Upgrades in Europe: Free 1-class upgrades at participating National locations in the U.K., Ireland, France, Spain, and Germany
• Special pricing on Premier Selection cars: Get preferred pricing on upgrades to the Premier Selection cars at the rental lot.
• Faster free rentals: A free rental credit after 6 car rentals

Complimentary National Emerald Club Executive status essentially gives you free rein to choose whatever rental car you’d like from National. Getting 20% to 25% off at Avis and Hertz can offer significant savings, especially if you need to rent for an extended period.

We value these perks at $200 for moderate users, though they can be more valuable if you rent cars frequently.

12. Global Entry Application and Renewal Fee Reimbursement ($120)

You can get a reimbursement for Global Entry or TSA PreCheck application and renewal fees with the Amex Business Platinum card every 4 years.

Hot Tip: We recommend using this benefit to cover Global Entry. When approved for Global Entry, you’re automatically eligible for TSA PreCheck when you add your Known Traveler Number to your ticket.

We value this benefit at its face value of $120, but you only receive it once every 4 years.

13. Annual CLEAR+ Credit ($209)

CLEAR+ is an expedited security program available at select U.S. airports and stadiums. Amex Business Platinum cardholders receive an annual statement credit for a CLEAR+ membership worth $209.

14. Annual Hilton Credit ($200)

You can earn up to $200 in statement credits annually (up to $50 per quarter) when you enroll in the $200 Hilton statement credit offer with your Amex Business Platinum card. Eligible purchases must be made directly at Hilton portfolio properties, and a Hilton for Business membership is required.

Shopping Perks

15. Dell Statement Credit ($1,150 Value)

Get up to $150 annually for U.S. purchases with Dell. Enrollment is required through your American Express account.

You can receive a second $1,000 credit after you spend $5,000 or more on the card in a calendar year on purchases with Dell, giving you a total of up to $1,150 in statement credits per year.

Once you activate the benefit on your card’s benefits page, you can shop on dell.com, pay with your Amex Business Platinum card, and receive a statement credit automatically.

16. Indeed Statement Credits ($360 Value)

Use your Amex Business Platinum card to purchase products and services related to hiring and recruiting and receive up to $360 per year in statement credits, up to $90 back each quarter. Enrollment is required to take advantage of this benefit.

17. Adobe Statement Credits ($250 Value)

After you enroll your Amex Business Platinum card and spend $600 or more on purchases directly with Adobe, you can receive $250 back annually as a statement credit. This can be helpful if you purchase Adobe subscriptions, such as Creative Cloud for teams or Acrobat Pro DC with e-sign for teams.

18. ChatGPT Business Credits ($300 Value)

Enroll, then use your Amex Business Platinum card for ChatGPT Business purchases in the U.S. to get up to $300 back in statement credits each calendar year. ChatGPT Business plans are subject to automatic renewal.

19. Wireless Phone Service Statement Credits ($120 Value)

Enroll in this credit on your card’s benefits page and receive up to $120 in statement credits per year when you use your card to pay for wireless phone services with a U.S. carrier. The credit is distributed as a $10 statement credit each month.

Shopping Protections

20. 4 Types of Shopping Protection (Value Varies)

In addition to travel and points benefits, the Amex Business Platinum card offers purchase and travel protection, covering purchases against damage and loss.

Here’s a look at all of the Amex Business Platinum card’s purchase protection benefits.

Purchase Protection

All purchases made with your Amex Business Platinum card are covered by purchase protection.

American Express offers reimbursement for the full purchase price if your item is accidentally damaged, stolen, or lost within 90 days of purchase. So if you buy an employee a $1,500 new laptop and they immediately spill a cup of coffee on it, American Express can reimburse you for the cost.

All claims must be filed within 30 days of the product’s loss or damage. There is a maximum of $10,000 in reimbursements per occurrence, and you can claim up to $50,000 in reimbursements per cardmember account per calendar year.

This coverage is secondary to any personal insurance policies that may apply to the items you purchased, and it reimburses the amount remaining between what’s covered by your primary insurance and the actual purchase price.

We value this benefit modestly at $100 because it’s not used often but can be worth up to $10,000 per use.

Return Protection

All purchases made with your Amex Business Platinum card are eligible for return protection within 90 days of purchase. If the merchant won’t accept your return within this 90-day window, American Express will reimburse you up to $300 per item and up to $1,000 per calendar year.

We value this benefit at $100 if used at least once, but it can be worth up to $1,000 if you make returns often.

Extended Warranty

All purchases made with your Amex Business Platinum card are eligible for a complimentary extended warranty. So long as the product purchased with your card has a standard warranty of 5 years or less, American Express adds an additional year to the product’s standard warranty.

The warranty covers up to $10,000 per item, with a maximum of $50,000 in claims annually.

We value the extended warranty benefit at $100 because it’s unlikely you’ll use it, but it can save you a lot of money when you do.

Cell Phone Protection

Amex Business Platinum cardholders get up to $1,600 in cell phone protection (2 claims per year, up to $800 per claim) against theft and damage, including cosmetic damage (like a cracked phone screen). Each claim has a $50 deductible, and your monthly phone bill must be paid with your Amex Business Platinum card for you to receive coverage.

Travel Protections

21. Car Rental Loss and Damage Insurance

Rental cars booked with the Amex Business Platinum card receive secondary car rental loss and damage insurance. For coverage to apply, you must decline the collision damage waiver when you rent your car. There are location and vehicle-type exclusions.

Because this coverage is secondary, we value this benefit at $50. Consider getting a credit card with primary rental car insurance if you want primary coverage rather than secondary.

22. Checked and Carry-On Baggage Insurance

When you book a flight with your Amex Business Platinum card, your baggage is insured against loss. Coverage includes the cardmember, the cardmember’s spouse, and the cardmember’s children under 23 years old.

The coverage limits are:

• Up to $3,000 in reimbursements for your baggage while you are traveling to and from your carrier’s terminal
• Up to $3,000 in reimbursements for the cost of carry-on baggage
• Up to $2,000 in reimbursements for the cost of checked baggage
• Up to $1,000 in reimbursements for high-risk items such as jewelry, precious metals, electronics, etc.
• If your loss includes carry-on and checked baggage, a maximum of $3,000 will be paid.

We value this benefit at $100.

23. Travel Insurance

Travel booked with your Amex Business Platinum card is covered by travel accident insurance, trip cancellation insurance, and trip interruption insurance.

Travel accident insurance provides up to $500,000 in travel coverage, and trip cancellation insurance can reimburse you for up to $10,000 per covered trip and up to $20,000 per eligible card in a 12-month period. Trip delay coverage reimburses up to $5,000 per covered trip for eligible expenses when your trip is delayed by more than 6 hours (Source: American Express).

We value this benefit at $100, as it’s unlikely you’ll use it, but it can provide peace of mind.

Extra Credits Unlocked With Annual Spend

24. Amex Travel Flight Credit ($1,200)

If you spend $250,000 on your Amex Business Platinum card in a calendar year, you unlock an additional statement credit that offers you a $1,200 Amex Travel credit for flights booked online at Amex Travel.

This benefit requires that you put a sizeable amount of business expenses on your card in a calendar year but offers an additional $1,200 AmexTravel.com statement credit for flights.

25. Amex One AP Credit ($2,400)

Cardholders who spend $250,000 on the card in a calendar year receive up to $2,400 in statement credits toward Amex One AP fees when using the Amex Business Platinum card.

We don’t recommend spending $250,000 on the card just to receive this benefit, but it offers an additional $2,400 in statement credits.

Final Thoughts

The Amex Business Platinum card’s benefits can exceed the $895 annual fee if you use the travel credits, lounge access, and statement credits. The value you get from this card depends on how much you can use the benefits, as the earning structure is limited beyond AmexTravel.com.