How I Used My Amex Business Platinum $400 Dell Credit This Year

As 2024 quickly winds down, now’s the time to make use of an important credit on the The Business Platinum Card^® from American Express before it expires.

The card offers up to a $400 Dell statement credit per calendar year, which is split into up to $200 from January to June and up to $200 from July to December upon enrollment. Since my husband and I both have the Amex Business Platinum card, we’ve saved a grand total of $800 on Dell purchases this year.

Here’s a closer look at what we bought and how we maximize this useful credit every single year.

How the Amex Business Platinum Card Dell Credit Works

While there are many great benefits of the Amex Business Platinum card, the one we’ll focus on in particular is the up-to-$400 Dell statement credit.

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The Business Platinum Card^® from American Express

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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!

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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 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 Bonus Valuation*:

$3,300

Annual Fee

$695

APR

18.74% - 27.74% 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.

Good to Excellent (670-850)

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 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

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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.
• 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 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.
• $199 CLEAR^® Plus Credit: Use your card and get up to $199 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: 18.74% - 27.74% Variable
• Foreign Transaction Fees: None

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American Express Membership Rewards

This credit is valid only on purchases made directly with Dell Technologies or at dell.com in the U.S. and U.S. territories where Dell Technologies is the merchant of record for the purchase. Gift cards don’t count.

While Dell hasn’t necessarily been on my regular shopping rotation, I quickly realized that the credit is an excellent way to buy electronics such as video games, smart watches, chargers, and Dell computers and accessories.

This year, I used my semi-annual Dell credits to buy a mirrorless camera and smart home gadgets. My husband and I have collectively saved $800 in 2024 alone.

Saving $400 Off a Canon Mirrorless Camera

For the past year, I’d been considering compact, full-frame mirrorless cameras for travel, but I didn’t want to pay full price. Then, I spotted a Canon EOS R8 camera that caught my interest on Dell’s website.

After comparing prices from other retailers, I decided to make the purchase since Dell’s prices were competitive. Additionally, I knew I could easily get $400 back using both of our Amex Business Platinum cards.

The camera cost us $1,839.17 after tax. However, I used both of our Amex Business Platinum cards to split the purchase and received $200 in statement credits for a final price of $1,439.17.

Smart Home Upgrades for 50 Cents

In the second half of the year, I didn’t have any high-cost items on my Dell wish list. However, I wanted to make the most of our credits while keeping my out-of-pocket expenses low.

Then, I found the perfect item. I needed to upgrade some of our thermostat sensors and wanted to add more outdoor cameras to our home, and Dell had perfect solutions for both — a 2-pack of smart thermostat sensors cost $99.99.

I had roughly $300 in credits left to use from both of our Amex Business Platinum cards, so I also purchased a 3 pack of outdoor battery-powered cameras for $269.99 (and it’s even further discounted at the time of writing!).

Including taxes, the total for the sensors and cameras was $400.50. By strategically splitting the payment across our two Amex Business Platinum cards, I received $200 in statement credits from each, bringing the final cost down to just $0.50.

How I Split Payments on Our Amex Business Platinum Cards

By splitting payments on a big-ticket purchase across 2 Amex Business Platinum cards, I was able to save $400 on a single transaction rather than $200 on 1 purchase and $200 on another. Fortunately, Dell allows for split payments at checkout.

With multiple payment methods enabled, I selected how much I wanted to apply to each card. (I also had the option to redeem American Express Membership Rewards points, which results in a poor value.)

Planning My Dell Credits for 2025

I’ll have more credits to burn as soon as the clock strikes midnight in 2025, and I’m already considering what might be a good way to use them. Like this year, I’m likely to purchase something fun, then something practical. 

For the January to June credit in 2025, I’m looking at arcade gaming machines, which start around $400 on Dell.com.

With my shopping credit for July through December in 2025, I’ll likely purchase more small electronic items, such as fast wall charging plugs.

Final Thoughts

The Dell credits on the Amex Business Platinum card made it simple to get a significant discount on a mirrorless camera and upgrade our smart home devices. Although I don’t regularly shop on Dell.com, I’ve found plenty of options that are a good use of my shopping credits.