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The Amex Business Platinum Card – How To Use the $120 Wireless Credit [2024]

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Victoria M. Walker

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As anyone running a business can attest, there are a lot of monthly costs. One expenditure there’s just no avoiding, however, is the phone bill. 

But did you know that The Business Platinum Card® from American Express has a neat statement credit for eligible wireless telephone services, which includes cell phone bills?

Read on to see how you can maximize the wireless credit benefit and how your business can save up to $120 per year.

How Does the Amex $120 Wireless Credit Work?

With the Amex Business Platinum card, you’ll receive up to $120 in statement credits per year (up to $10 back per month) for wireless telephone service purchases made directly with a wireless provider in the U.S. You’ll need to enroll in this benefit in order to receive the statement credit.

You’ll want to make sure you’re making the correct purchases (more down below), or you won’t receive the statement credit. You’re only eligible for the statement credit on purchases for monthly wireless telephone service charges made directly from a wireless telephone service provider. 

The easiest way to earn this statement credit is by paying your phone bill using your Amex Business Platinum card. For instance, if your phone bill costs $140 per month, you’ll save $10 monthly (dropping your bill to $130) simply by moving the bill over to your Amex Business Platinum card.

There aren’t too many restrictions on who can use the benefit, as the primary cardmember and employee card members are eligible for the monthly statement credit. However, you’re still only eligible for up to $10 in statement credits per month.

The following purchases won’t count:

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

Enrolling in the benefit is simple. First, you will log into your Amex online account. On the top menu, click Rewards & Benefits, then click View All Benefits on the right-hand side of the blue ribbon near the top of the page.

Amex Benefits Page
Image Credit: American Express

You’ll then see the Wireless Credit box. Click that button, hit Get Started, and you’ll be enrolled in no time.

Wireless credit Amex Business Platinum
Image Credit: American Express

And that’s it! You’ll receive your statement credit 6 to 8 weeks after an eligible purchase is charged to your card, but in our experience, statement credits typically post sooner than then.

Amex Cell Phone Protection

By paying for your wireless services with your Amex Business Platinum card, you’ll receive up to $1,600 in cell phone protection. The coverage is for up to $800 per claim with a limit of 2 claims per card account each 12-month period, and a $50 deductible applied to each claim.

Your monthly cell bill must be charged to your eligible card, and the coverage begins on the first day of the month following the initial card payment.

Covered losses include theft of the cell phone, which requires a police report to be filed within 48 hours, and damage to the cell phone, including a cracked screen. There is a list of exclusions, and some additional terms and conditions will apply. 

Getting the Amex Business Platinum Card for Your Business

ELEVATED OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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!

Learn More(at Amex's secure site)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
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
$3,300
$695
19.49% - 28.49% Variable
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 (670-850)

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
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • 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 (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • 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.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • 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 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

The Amex Business Platinum card is perhaps one of the best business cards to have in your wallet. That’s true whether you run a large business or have just a few employees.

With the Amex Business Platinum card, you’ll earn the following:

  • Earn 5x points on flights and prepaid hotels booked through AmexTravel.com
  • Earn 1.5x points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in these purchases every calendar year)
  • Earn 1x points on other purchases

And those Amex points can go a long way. We value Amex Membership Rewards points at a whopping 2.2 cents each, which is among the highest valuations for a transferable points currency

Hot Tip:

One feature unique to the Amex Business Platinum card is when you book eligible flights through AmexTravel.com using Pay with Points, you’ll get a 35% airline bonus (~1.54 cents per point). Note that you can get up to 1 million points back per calendar year.

The Amex Business Platinum card is a true travel card. Similar to The Platinum Card® from American Express, the card includes Hilton Honors Gold and Marriott Bonvoy Gold Elite status upon enrollment. Gold status with both programs gets you benefits such as upgrades (when available) and late checkout.

As an Amex Business Platinum cardholder, you’ll also have access to Amex Fine Hotels + Resorts and The Hotel Collection, offering some of the best hotels in the world, where you’ll receive perks like:

  • Room upgrade upon arrival (when available)
  • Daily breakfast for 2
  • Noon check-in (when available)
  • Guaranteed 4 p.m. late checkout
  • Complimentary Wi-Fi
  • A unique amenity valued at $100, like a food and beverage credit

After enrollment, you’ll also get rental car perks with Avis, Hertz, and National Car Rental. With Hertz, you’ll also receive top-tier President’s Circle status, which confers perks such as a 24-hour advance reservation airport guarantee and guaranteed 1-class upgrades.

The Amex Business Platinum card is also an excellent travel card to have at the airport. That’s because you have American Express Global Lounge Collection access, which means you can visit these airport lounges worldwide (some lounges may have restrictions):

Similar to the Amex Platinum card, the Amex Business Platinum card comes with a slew of statement credits, though they are more focused on business purchases. With the Amex Business Platinum card, you’ll receive the following each year:

You’ll also have several travel protections when holding the card, such as trip delay insurance, trip cancellation and interruption insurance, baggage insurance, and car rental insurance.

Finally, the Amex Business Platinum card boasts several shopping benefits like Global Dining Access by Resy (offering exclusive reservations), purchase protection (up to $10,000 per item and $50,000 per year), and extended warranty protection.

Final Thoughts

Given the other benefits of the Amex Business Platinum card, the wireless credit might not be a benefit you utilize or have even heard of. But it’s a great way to save a bit of money — something every business owner is mindful of — especially when using it on your phone bill purchases. 

It’s a pretty simple process — you’ll register for the benefit, make your eligible purchase using your Amex Business Platinum card, and then wait for the statement credit to post. We hope this guide to using the Wireless Credit for the Amex Business Platinum card was helpful!


For the trip delay insurance 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 trip cancellation and interruption insurance 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 baggage insurance plan 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 AMEX Assurance Company.

For the car rental loss and damage insurance 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 AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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 rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of The Platinum Card® from American Express, click here.

Frequently Asked Questions

How do I use the Amex Business Platinum card's $120 wireless credit?

The wireless credit of up to $120 is broken down into 12 $10 monthly statement credits. You can use the credit on wireless telephone services, such as a cell phone bill.

Does the Amex Business Platinum card come with travel benefits?

Yes, the Amex Business Platinum card offers many travel benefits. These include airport lounge access, hotel elite status, car rental benefits, business statement credits, purchase protection, and more.

What is the Amex Business Platinum card's annual fee?

The Amex Business Platinum card has an annual fee of $695.

Do electronics purchases count towards the Amex Business Platinum card's $10 wireless credit?

No, electronics purchases do not count toward the up to $10 monthly wireless credit—only wireless telephone services purchases count.

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About Victoria M. Walker

Victoria holds a B.A. in Broadcast Journalism from the Howard University School of Communications and is an award-winning journalist, travel reporter, and the founder of the “Carrying On with Victoria M. Walker” newsletter.

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