Why I Love the Amex Business Platinum Dell Credit

For business owners who frequently travel, like me, The Business Platinum Card^® from American Express is arguably the best rewards card on the market today.

The Amex Business Platinum card offers a laundry list of perks and benefits, including access to over 1,400 lounges worldwide and numerous statement credits that more than justify carrying the card. It also earns highly valuable American Express Membership Rewards, which have allowed me to fly in premium cabins on the best airlines in the world.

There is also a substantial annual fee. Still, the Amex Business Platinum card offers several statement credits to help offset that fee. One statement credit the card offers, an up to $400 Dell statement credit per calendar year, might just be its most valuable perk.

Here’s an in-depth look at why the Dell statement credit is quite possibly my favorite perk of the Amex Business Platinum card.

Amex Business Platinum Card Overview

ELEVATED 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

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% - 27.49% 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 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 and Prepaid Hotels 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). Access is limited to eligible Card Members.
• 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. Access is limited to eligible Card Members.
• 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^®.
• 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.
• NEW! 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.
• Earn 5X Membership Rewards Points^® on Flights, and Prepaid Hotels Booked through AmexTravel.com
• 1X points on other 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.
• $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^®.
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The Amex Business Platinum card is an intriguing rewards card for business owners who are also frequent travelers. It provides high-end travel benefits (some requiring enrollment) such as comprehensive airport lounge access to over 1,400 lounges worldwide, hotel elite status with 2 major hotel chains, rental car elite status with several agencies, and numerous purchase and travel insurances and protections.

The Amex Business Platinum card currently has an elevated welcome bonus:

• ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.

We value American Express Membership Rewards points at an astounding 2.2 cents apiece, the highest of any transferable points currency. This means 150,000 Amex Membership Rewards points are worth at least $3,300 when redeemed for travel.

However, as you’d expect, the Amex Business Platinum card also has a hefty $695 annual fee (rates & fees). To offset the annual fee, it also provides several statement credits (some requiring enrollment).

One of these statement credits is the Dell statement credit of up to $400, which covers more than half the card’s annual fee. Fortunately, Dell has a great selection of valuable items to choose from.

How the Amex Business Platinum Card’s Dell Credit Works

With the Dell statement credit, you can get up to $200 in statement credits from January to June and another up to $200 in statement credits from July to December. You must enroll for the statement credit to be posted.

The Dell statement credit is valid only on purchases made directly with Dell Technologies or at dell.com in the U.S. and U.S. territories. Dell Technologies must be the merchant of record for the purchase. The credit is not valid on online purchases shipped outside the U.S. or purchases from unauthorized resellers or online auctioneers. Statement credits can take 2 to 4 weeks to post.

Why the Amex Business Platinum Dell Credit Is So Valuable

The Amex Business Platinum card carries a significant annual fee, but it’s easily justified if you make full use of the various statement credits the card offers.

The Dell statement credit is one of the easiest to maximize, as Dell carries various electronics, including monitors, audio equipment, cameras and lenses, video games, smart watches, chargers, storage devices, and Dell computers and accessories.

I use many of these items daily, so taking full advantage of the Dell credit has been easy. In 2025, I used the first semiannual $200 credit to purchase a Microsoft Xbox Elite Wireless Controller Series 2, which has been one of my favorite purchases to date.

Last year, I picked up a 4K Dell UltraSharp webcam for my home office. This was a great addition to my setup as I frequently take video calls and have many work meetings.

Since I only use the statement credits for purchases I plan to make anyway, I consider this a massive perk of the Amex Business Platinum card. Fortunately, Dell has a fantastic selection of items to choose from.

Final Thoughts

The Amex Business Platinum card is a fantastic rewards card, and the high annual fee doesn’t seem so bad when I get up to $200 semiannually for U.S. purchases at Dell.

The Dell statement credit is my favorite of the Amex Business Platinum card’s credits, as I frequently shop for electronics from Dell. By maximizing the Dell statement credit (and nearly every other credit), I can more than justify carrying the Amex Business Platinum card in my wallet.