Do These 22 Things When You Get the Amex Business Platinum Card

The Business Platinum Card^® from American Express is the premier Amex business card on the market today. It offers valuable rewards on airfare purchases, elite travel benefits, and fantastic purchase protections. While the annual fee has recently gone up to $895, some useful new benefits mean this card is still a lucrative choice for business owners.

Once you apply and are approved for the Amex Business Platinum card, you’ll want to do a few things to maximize its benefits, especially some of the newly added ones. Here are 23 things you’ll want to do first when your card arrives.

Note that some benefits of the Amex Business Platinum card require enrollment through your American Express account.

American Express Business Platinum Card Overview

If you’ve been considering adding the Amex Business Platinum card to your wallet, here’s a quick overview of the card:

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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!

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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 150,000 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

200,000 points

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$895

APR

18.24% - 28.99% 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 1,550 lounges, along with tons of 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

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Card Highlights

• Elevated Welcome Offer: Earn 200,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum 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 1,550 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 $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• New! 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. 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^® Plus Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• 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.
• 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.
• Enhanced! 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
• $895 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.24% - 28.99% 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 150,000 200,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Once you’ve received your card, here are the top things you should do to take full advantage of the card’s benefits:

1. Sign Up for Hotel Elite Status

Upon enrollment, cardholders can claim elite status with Leaders Club, Hilton Honors, and Marriott Bonvoy. This is an exceptional perk of the card, as it allows you to gain mid-tier loyalty status with both of these large hotel chains.

Leaders Club Sterling Status from The Leading Hotels of the World is one of the card’s newly added benefits. This means you’ll get a 5% Leader Club points bonus on qualifying stays, plus 5 pre-arrival upgrades annually, when available.

Hilton Gold status traditionally requires members to stay 40 nights, 20 stays, or earn 75,000 base points in a year, and comes with perks like:

• 80% bonus on points earned during stays
• Complimentary upgrades to preferred or executive rooms (excluding suites) when available
• Complimentary continental breakfast or a food and beverage credit
• Late checkout (subject to availability)

Marriott Gold Elite status usually requires members to stay 25 nights to qualify, and includes perks like:

• 25% bonus on points earned during stays
• Enhanced room upgrades (subject to availability and excludes suites)
• 2 p.m. late checkout (subject to availability)
• Welcome gift of extra points at check-in (250 to 500 bonus points per stay)

You will need to enroll manually in these programs, which you can do easily through your Amex Business Platinum card benefits page.

Bottom Line:

You will keep your Gold status with both programs each year, even if you don’t qualify every year via stays. That’s right, all of the perks of elite status, without even trying.

2. Make Dinner Reservations Using Platinum Nights by Resy

Getting into the hottest restaurants isn’t always easy, but you can using Platinum Nights by Resy. You’ll get special access to reservations on select nights at participating Resy Restaurants.

To enroll, sign up for Resy. Then, add your Amex Business Platinum card to your Resy profile, and start booking.

3. Start Shopping in Business Categories To Earn Bonus Points

You can earn 2x points per $1 spent in these key business categories in the U.S. for up to $2 million in purchases:

• Construction material and hardware suppliers
• Electronic goods retailers
• Software cloud system providers
• Shipping providers
• Each eligible purchase of $5,000 or more

Hot Tip:

Note that you can also get 5x points per $1 spent on flights and prepaid hotels booked through AmexTravel.com.

4. Activate Your Priority Pass Select Membership

In order to set up your Priority Pass Select membership, you will need to request enrollment in the program on the Benefits page of your American Express account. After you’ve done so, you will be mailed a physical Priority Pass membership card that will grant you access to any lounge that participates in the program.

One of the benefits of the Amex Business Platinum card is membership with the world’s largest lounge network, Priority Pass. Priority Pass operates in over 1,700+ airport lounges worldwide, including over 110 lounges in the U.S. alone.

Cardholders can also bring up to 2 guests into a lounge with them, even if they’re not flying on the same itinerary. However, keep in mind that American Express Priority Pass members can no longer access Priority Pass restaurants or other airport experiences.

Hot Tip:

To access a Priority Pass lounge, you must present either the physical Priority Pass membership card or the digital version via the Priority Pass mobile app. Trying to gain access using your Amex Business Platinum card itself won’t work.

5. Apply for Global Entry or TSA PreCheck

Your Amex Business Platinum card gives you a Global Entry or TSA PreCheck application fee statement credit when you pay for your application with the card.

Not sure which program is right for you? Global Entry gives you an expedited immigration process when re-entering the U.S. and TSA PreCheck gives you an expedited security process when traveling domestically.

The application fee for Global Entry is $120 and $78 for TSA PreCheck. Since those with Global Entry also receive TSA PreCheck, we highly recommend you opt for Global Entry.

This perk doesn’t require enrollment, but you must use your Amex Business Platinum card to pay the application fee.

Hot Tip:

Already have Global Entry or TSA PreCheck? No worries! You can still use this credit to pay for a friend, family member, or business colleague’s application so that they can enjoy an expedited security experience as well. 

6. Enroll in a CLEAR Plus Membership

The Amex Business Platinum card offers up to $209 in annual CLEAR Plus credits. This amount is enough to pay for an annual CLEAR Plus subscription.

All you need to do is visit the enrollment page for CLEAR, use your Amex Business Platinum card to pay for the application fee, and create an account. However, before paying, you’ll first need to enroll in the CLEAR Plus benefit on the Benefits page of your American Express account.

Then, you’ll visit a CLEAR kiosk before your next flight to complete your biometrics and registration. After that, you can begin to use your CLEAR Plus membership.

7. Enroll in Global Entry or TSA Precheck

You can get up to a $120 statement credit every 4 to 4.5 years for Global Entry or TSA Precheck. Many credit cards offer this perk, so you might already have a membership. If you do, Global Entry makes a useful gift for an employee, friend, or family member.

To get the credit, pay for the service using your Amex Platinum Business card. Or, make sure the person you’re gifting it to uses your credit card to pay.

8. Select Your Airline for up-to-$200 Credit and a 35% Points Rebate

Another fantastic benefit of the Amex Business Platinum card is the up to $200 airline incidental credit and 35% Pay with Points rebate.

The up to $200 airline incidental credit can be used to cover charges like baggage fees, seat selection, in-flight Wi-Fi, lounge passes, etc. In order to receive this credit, you must enroll or select an airline to which you’d like the credit to apply. Then, pay for any incidental charges you incur with your Amex Business Platinum card, which will be credited back to you as a statement credit.

You’ll also receive a 35% rebate on point redemptions in any class or cabin via AmexTravel.com on your selected airline, up to 1 million points per year. However, since your Membership Rewards points via AmexTravel.com are worth just 1 cent per point (1.54 cents after the rebate), this generally would result in using more miles than a standard award ticket would and is quite a bit less than our 2.2-cent per point valuation of Membership Rewards points.

For example, a $500 ticket from New York to Los Angeles would cost 50,000 Membership Rewards points. While 17,500 of the points will be redeposited back into your account, you must have all 50,000 available at the time of booking.

There are a few benefits, though. In addition to receiving 35% of those points back, you won’t need to rely on finding available award space. Flights booked with points are also treated as revenue flights by the airlines, meaning they count towards elite status and earn redeemable miles with that airline.

9. Enroll for Rental Car Elite Status and Discounts

With your new Amex Business Platinum card, you’re now going to receive special status and/or discounts with 3 major rental car companies upon enrollment: Avis, Hertz, and National. While the benefits you’ll receive from all 3 chains are definitely welcome, some are certainly better than others.

Here’s a breakdown of what perks your new card will offer with each company:

Avis Preferred American Express Benefits

• Enroll to receive Avis Preferred status, which allows you to save up to 25% off Avis base rates, skip the lines at the counter and go straight to your car, and keep rental preferences on file to track your activity
• Complimentary 1-car class upgrade with coupon #UUNA007 in your reservation

Hertz Gold Plus Rewards President’s Circle Status

• Guaranteed upgrade
• 50% bonus points
• Widest selection from Ultimate Choice, allowing you to choose from more cars
• Dedicated Hertz Rewards line
• Free additional driver

National Emerald Club Executive Status

• Enroll and receive Executive Area/Emerald Aisle access, which allows you to pay the mid-size rate and then choose any car class (full-size and above) from either aisle
• Guaranteed upgrades on mid-sized vehicle rentals in the U.S. and Canada
• No second driver fees
• Free 1-class upgrades at participating National locations in France, Germany, Ireland, Spain, and the U.K.
• Get preferred pricing on upgrades to the Premier Selection cars at the rental lot
• Free rental credit after 6 car rentals

Hot Tip:

As mentioned, all 3 companies provide discounts, but we find the benefits you receive with Hertz or National to be the most valuable. 

10. Use Your Dell Credit

The Amex Business Platinum card gives cardholders up to Dell statement credits. You can earn up to $150 in credits annually on spending, plus get an additional $1,000 if you spend $5,000 or more on U.S. Dell purchases. Dell sells a wide range of products that are useful for your business, including laptops, desktops, monitors, software, printers, headphones, and more.

You must enroll in this credit through your card’s benefits page and then pay for your Dell merchandise using your Amex Business Platinum card.

11. Use Your Hilton Credit

After enrollment, you can receive up to $200 in Hilton statement credits per calendar year (up to $50 per quarter). Purchases must be made directly with a property in the Hilton portfolio using your Amex Business Platinum card, and a Hilton for Business membership is required.

12. Pay Your Cellular Bill

When you pay your cellular bill with the Amex Business Platinum card, you’re eligible to receive up to $10 per month in statement credits towards wireless telephone services, which gets you up to $120 per year in value. You’ll need to enroll in this benefit before you pay your bill.

Here are the notable exclusions for the wireless statement credit:

• Bundled services
• Cellular repair services
• Electronics purchases
• Hardware purchases
• Purchases from authorized retailers, resellers, or third-party sellers
• VoIP services

Additionally, with the Amex Business Platinum card, you’ll qualify for cell phone protection when you put your monthly cellular bill on this card. That way, in the event that your cell phone is damaged or stolen, you can get up to $800 per claim in reimbursements with a $50 deductible per claim.

There’s a limit of 2 approved claims per card account per rolling 12 months.

13. Use Your Amex Fine Hotels + Resorts Program/The Hotel Collection Credit

Another travel benefit of your Amex Business Platinum card is the $600 credit ($300 biannually) on hotel bookings with the Amex Fine Hotels + Resorts Program or The Hotel Collection.

The Amex Fine Hotels + Resorts Program (FHR) allows you to book a stay with any hotel offered on the platform and receive elite status-type benefits for doing so.

When you make a booking through the Fine Hotels + Resorts Program, you’ll receive:

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

When booking The Hotel Collection properties, cardholders get perks like:

• $100 credit to use during your stay
• 12 pm check-in
• Late check-out
• A room upgrade upon arrival if available

Hot Tip:

Take advantage of your Hilton or Marriott Gold status that comes with the card (or any other hotel elite status you may have) by booking these properties on FHR. In addition to FHR benefits, you’ll also get your elite status benefits and earn hotel points, as long as you provide your hotel loyalty number to the property.

14. Visit Lounges Part of the Global Lounge Collection, Like the Amex Centurion Lounges

Remember, as an Amex Business Platinum cardholder, you have options when it comes to lounges. You can visit lounges part of the Global Lounge Collection, which features over 1,550 lounges.

This includes Amex’s own premium lounge network called Centurion Lounges, which is only accessible to those who hold a Platinum Card^® from American Express, the Amex Business Platinum card, Centurion^® Card from American Express, Delta SkyMiles^® Reserve American Express Card (when you book your Delta flight with your Delta Reserve card), and Delta SkyMiles^® Reserve Business American Express Card (when you book your Delta flight with your Delta Reserve Business card).

Centurion Lounges offer travelers free chef-inspired meals, high-end cocktails, and impressive touches that really make for a high-end lounge experience. Some Centurion Lounges even offer shower suites for travelers who’d like to freshen up after a long day.

Fortunately, the lounge access doesn’t stop there, as other lounges part of the Global Lounge Collection inlude Escape Lounges — The Centurion Studio Partner, International American Express Centurion Lounges, Plaza Premium Lounges, select Lufthansa Lounges when flying on a Lufthansa Group flight the same day, select Virgin Clubhouses, 10 visits to Delta Sky Clubs (when flying Delta) with the ability to unlock unlimited visits through spend, and of course, the previously mentioned Priority Pass lounges upon enrollment.

Hot Tip:

As a business owner, be sure to familiarize yourself with all of the benefits and perks of using and earning points and miles.

15. Use Your Card for Purchases That Need Protection

As a business owner, you likely buy plenty of valuable items each year that help you get the job done, and oftentimes, those items might be expensive.

Luckily, the Amex Business Platinum card offers purchase protection on all items you buy with the card. If your item is accidentally damaged, stolen, or lost within 90 days of purchase, American Express will reimburse you for the full purchase price, up to $10,000 per item.

Your coverage on these items is secondary coverage, so any primary insurance policies you have will apply first. If you have no other insurance policy on the item, your Amex insurance will become the primary coverage.

In the event of an incident, your claim must be filed within 90 days of the product being lost or damaged. Keep in mind that you can only receive a maximum of $10,000 in reimbursements per occurrence and up to $50,000 in reimbursements per cardmember account per calendar year.

All purchases made with your Amex Business Platinum card are also eligible for a complimentary extended warranty of 1 additional year, as long as the product has a standard warranty of 5 years or less. Similar to the purchase protection, claims will cover up to $10,000 per item with a maximum of $50,000 in claims annually.

16. Book Travel With Travel Protections

In addition to the 5x Membership Rewards points per $1 on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com you earn with your Amex Business Platinum card, you’ll also receive some top-notch travel protections to help you have peace of mind on your next trip.

The card offers checked and carry-on baggage insurance, which covers 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, and up to $1,000 in reimbursements for high-risk items such as jewelry or electronics.

Trip delay insurance is another benefit as long as you book a round-trip ticket with the card. If your trip is delayed by more than 6 hours due to a covered reason, you will be reimbursed up to $500 for unexpected expenses like meals, lodging, or personal items. You can have up to 2 trip delay claims approved per rolling 12-month period.

The Amex Business Platinum card even offers trip cancellation and interruption insurance when your flight is canceled for a covered reason, like inclement weather, an act of terrorism, jury duty, illness, or injury. If this happens to you, you can receive reimbursement of any non-refundable travel expenses of up to $10,000 per trip, with a maximum of up to $20,000 per eligible account for each consecutive 12-month period.

17. Use Your Amex Platinum Concierge for Special Requests

Your Amex Business Platinum card provides you with access to the American Express Platinum Concierge service, which can assist with arranging lunch or dinner reservations, tracking down event tickets, booking ground transportation, and more. The Platinum Concierge team is available day or night, anywhere in the world.

This benefit does not require enrollment, and to contact a member of the Platinum Concierge team, just call the number on the back of your card.

18. Add Employee Cards

If your business has employees, you may want to consider adding an employee card or an expense card to your account.

The points from all of their purchases will be deposited into the main cardholder’s Membership Rewards account. Employee cards have an annual fee of $400.

19. Recruit Your Next Hire Through Indeed

One of the benefits of the Amex Business Platinum card is the ability to get up to $360 in Indeed credits per year (up to $90 per quarter).

The first thing you’ll need to do is access the Benefits section of your online Amex Business Platinum card account and then enroll in the Indeed benefit.

After that, post a job through your Indeed account and pay using the Amex Business Platinum card to qualify for up to $90 per quarter in statement credits. This can help you get a head start on that next position you’re thinking of filling.

20. Get Discounts on Powerful Business Software Through Adobe

Leveraging software to streamline or optimize your business is crucial. You can score $250 in yearly Adobe credits when spending $600 or more on the Amex Business Platinum card on U.S. Adobe purchases. Adobe offers a suite of software applications that includes Photoshop, Lightroom, Premier Pro, Acrobat Pro, and more.

To get started, enroll in the credit in the Benefits section and pay for your eligible subscription using this link.

21. Request a Limited Edition Mirror Design Card

If you’re happy with your classic, silver Amex Platinum Business card, keep it. The simplest choice is to stick with the traditional card.

For a more contemporary card style, however, request the new shiny mirror design, which is available for both new and existing cardholders. It’s a limited edition, so act fast if you want it.

22. Spend $250,000 on Your Card to Unlock Lucrative Statement Credits

Spending $250,000 on your Amex Business Platinum card comes with some big rewards. You’ll get $1,200 in statement credits for flights booked on AmexTravel.com using your card for the following calendar year.

You’ll also get $2,400 in credits for use in the next calendar year on American Express One AP^® monthly fees.

Note that credits are valid from January 1 to December 31 in the calendar year after the calendar year when you complete the required spend.

Final Thoughts

The Amex Business Platinum card has a lot to offer, and if you’re a new cardholder or are considering applying soon, then this should serve as a great starting point for helping you maximize each card benefit.

Looking for a full list of every benefit offered on the card? Check our guide that shows how cardholders can receive thousands of dollars in value from their Amex Business Platinum card.

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. 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. Visit americanexpress.com/benefitsguide for more details.Underwritten by New Hampshire Insurance Company, an AIG Company.

For the Cell Phone Protection benefit of The Business Platinum Card^® from American Express, 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, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. 

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. 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.