24 Benefits of the Amex Business Platinum Card [Over $7,000 in Value]

The Business Platinum Card^® from American Express is one of the most — if not the most — premium cards for businesses. The popular metal credit card provides a slew of benefits for businesses, like lounge access, and a huge points bonus on AmexTravel.com purchases.

With that, though, the card carries a hefty annual fee, which is definitely a large up-front investment, and, unlike typical credit cards, it allows you to carry a balance for certain charges, but not all.

Despite the steep fee, the Amex Business Platinum card is still worth considering, especially for business owners who travel frequently.

Here are all of the benefits of the card and the cash value of each benefit. This will allow you to see the value of the card compared to the annual fee.

Benefits Summary

The Amex Business Platinum has been a staple for business for years. And after taking a look at the value of the benefits, it’s easy to see why. Here’s a quick summary:

The Amex Business Platinum Card’s Travel and Points Benefits

Each of these perks makes your travel experience smoother, more luxurious, and in some cases, cheaper! Remember, though, the valuations you see below are based on moderate use, so you may get more or less value depending on how often you travel and how much you spend on your card.

1. Huge Welcome Bonus Offer [$1,760 to $3,850 or More]

The Amex Business Platinum card is famous for having a high welcome bonus offer for new cardholders. In short, American Express offers a lump sum that’s awarded to new cardholders when they meet a certain spending threshold within a certain amount of time after opening an Amex Business Platinum card.

See the current Amex Business Platinum card welcome bonus below:

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

150,000 200,000 points

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$895

APR

17.99% - 28.74% 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 card application.

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

Read Full Review

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: 17.99% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

Since the welcome offer often fluctuates between 80,000 and up to 175,000 Membership Rewards points, we value the welcome bonus at $1,760 for the purpose of this article. This is based on just a 80,000 Membership Rewards welcome bonus and our valuation of 2.2 cents per point.

2. Earn 5x Points on Select AmexTravel.com Travel Purchases [$100]

Another awesome Amex Business Platinum card perk is earning 5 Membership Rewards points per $1 spent on flights, prepaid hotels, and short-term rentals on AmexTravel.com. You can book nearly any commercial flight and hotel through this portal, so depending on how often you travel, you can rack up serious points.

There are a few downsides to booking with AmexTravel.com, though. Hotels booked through AmexTravel.com aren’t usually eligible to earn hotel points or use elite benefits. This isn’t a big deal for independent hotels, but it can make a difference if you have hotel status. Further, booking through an online travel agent (like AmexTravel.com) can make flight changes harder than booking directly through an airline.

We value this benefit at $100, but the value for you depends on your travel expenses. Before booking through AmexTravel.com, make sure to compare the downsides to the elevated earning rate.

3. Earn 2x on Eligible Purchases and Purchases Over $5,000 [$50]

Further, 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. If you make large purchases frequently, this can help you rack up points quickly.

However, some other Amex cards — namely The Blue Business^® Plus Credit Card from American Express — earn elevated points on all purchases no matter the category or the cost. In the case of the Amex Blue Business Plus card, you earn 2x points on all purchases up to $50,000 per year (then 1x).

With that in mind, we value this benefit at $50. While the elevated earning ratio for large purchases is nice, we recommend using another business credit card for most large purchases. In the end, a card that earns bonus points in specific categories or more points on all purchases gives you a better return on your business expenses, such as the American Express^® Business Gold Card.

Hot Tip:

Interested in how this card stacks up against the Platinum Card^® from American Express? This review pits these 2 cards head to head: The Amex Business Platinum Card vs. The Amex Platinum Card.

Redeeming Valuable Membership Rewards Points

4. Get 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. We generally don’t recommend this, as you can get more value by redeeming through American Express’ various transfer partners. However, Amex Business Platinum cardholders get a 35% rebate when using points to book flights on a preselected airline through AmexTravel.com, on up to 1 million points per year.

Booking a $1,000 flight from New York City (JFK) to London (LHR) would cost 100,000 Membership Rewards points, and you’d get 35,000 Membership Rewards points back as a rebate. You must have the full points required in your Membership Rewards account to redeem this award.

We value this benefit at $50. Even with the 35% rebate, it’s still a poor use of points if you consider our valuation of over 1 cent per point for Membership Rewards. However, this benefit can still be useful if you need to book a flight with no award space.

Travel Benefits

Each of these perks makes your travel experience smoother, more luxurious, and in some cases, cheaper! Our valuations are based on moderate use, so you may get more or less value depending on how often you travel and how much you spend on your card.

5. Complimentary Access to Thousands of Airport Lounges Worldwide [Value Varies]

One of the most valuable Amex Business Platinum card perks is access to thousands of airport lounges worldwide. This is because of the vast lounge network, the American Express Global Lounge Network, with lounge network partnerships worldwide as well as Amex lounges at major hubs.

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

Each of these lounges has different entry rules. Some only allow entry when you’re flying a specific airline, some allow guests, and others only allow the primary cardholder to enter the lounge. This affects how we value each lounge, so we’ll give you a breakdown of the various lounge networks below and assign each its own value.

The Centurion Lounge Network

The Centurion Lounge is the American Express premium lounge offering, with each lounge offering free, chef-curated meals, high-end local cocktails, and carefully designed seating areas with posh furniture and aesthetics. You’ll find these lounges both domestically and overseas.

Even cooler, each of these lounges takes a cue from its locale. For example, if you’re at the LaGuardia Centurion Lounge, you’ll find local New York craft beer at the bar and dishes chosen local chef. Likewise, you can often find barbecue on the Dallas Fort Worth Centurion Lounge buffet. Each Centurion Lounge has a unique feel.

Have your Amex Business Platinum card, government-issued ID, and valid boarding pass in hand when entering a Centurion Lounge, as you need them to enter. 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 2 to 17.

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, so there’s no doubt that you can use them at least a few times per year. This perk is worth even more if you have a Centurion Lounge at your home airport or somewhere you travel to and from frequently.

Delta Sky Club

Amex Business Platinum cardholders also get access to Delta Sky Clubs, but only 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. They can also 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 newer Sky Clubs even have rooftop access and premium beverages for sale (think Champagne, etc.). So if you’re on a layover between Delta flights or just need a place to relax before a big trip, the Delta Sky Club is a nice place to hang out.

We value Delta Sky Club access at $200. Despite there being a Sky Club at almost every major U.S. airport, you can only access it alone and when flying on a Delta ticket. However, those who often fly Delta anyway get much more than $250 in value, 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 have been slowly popping up worldwide, with the U.S. being one of the lounge network’s main focus markets.

Nowadays, Escape Lounges are found at midsize U.S. airports like John Glenn Columbus International (CMH) in Ohio and Oakland International (OAK) in California. American Express and Escape Lounges have partnered to offer Amex Business Platinum cardholders access to all U.S. lounges. All you need is your boarding pass and Amex Business Platinum card to enter.

Even better, you 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, with such a limited number of lounges, we value the Escape Lounge benefit at $50 per year.

Amex Business Platinum cardholders also now have access to U.K. lounges, including those at Manchester (MAN), London-Stansted (STN), and East Midlands (EMA).

Lufthansa Lounges

Amex Business Platinum cardholders can access certain Lufthansa Lounges. If the member is flying business class, he or she can access the more premium Lufthansa Senator Lounges.

You can only access these lounges if you fly on a Lufthansa group flight. This includes flights on Austrian Airlines, Lufthansa, and SWISS. Because of this — and the fact that only “select locations” allow guest entry, we value Lufthansa lounge access at a modest $50 per year.

Plaza Premium Lounges

Plaza Premium is a Hong Kong-based lounge network with locations in various airports around Asia, Europe, the Middle East, and North America. These lounges are known for having solid food and beverages, sleek interior design, and fast internet, making them a dependable place to stop before a flight abroad.

All Amex Business Platinum cardholders can access Plaza Premium Lounges with their card and a valid boarding pass. Even better, you can bring a guest, letting you share the benefit with a lucky friend, family member, or co-worker.

We value this benefit at $100. There are no locations in the U.S., but those who travel abroad frequently can make good use of the Canadian, Hong Kong, and European lounges at least once a year. In many cases, these are better than standard airport lounges, too, so stop by if you stumble upon a Plaza Premium lounge during your travels.

Priority Pass Select

Priority Pass is the world’s largest lounge network. Priority Pass has over 1,700 airport lounges worldwide, spanning every inhabited continent. Further, there are Priority Pass lounges at major U.S. airports like Hartsfield-Jackson Atlanta International (ATL) and John F. Kennedy International (JFK), giving economy passengers and those without airline status access to a predeparture lounge.

» Related: The 7+ Best Credit Cards That Get You Priority Pass Lounge Access [2025]

The Amex Business Platinum card is easily one of the best cards with Priority Pass. You can enroll your card on the benefits page of your American Express account. When you do this, Priority Pass will mail you a physical Priority Pass membership card that you can use at any lounge in its network. You must have your physical Priority Pass card or a digital card in the mobile app to access the lounge.

American Express Priority Pass members are no longer allowed access to Priority Pass restaurants or other airport experiences, so you can only access traditional airport lounges with your included membership.

We value the Priority Pass Select benefit at $250 for most travelers. You’ll find Priority Pass lounges at most airports when traveling abroad, meaning that you’ll almost always have a place to work, relax, or eat before a long flight.

6. Save Money With the International Airline Program [Wild Card]

Amex Business Platinum cardholders can access the American Express International Airline Program. This program offers Amex Business Platinum cardmembers discounted airfare on international flights booked in premium economy, business, and first class through AmexTravel.com on select airlines.

The discount you receive depends on the flight you’d like to book. To illustrate this, we ran a few sample searches in different classes of service.

The first search was for a round-trip flight from New York (JFK) to Tokyo (NRT) in business class. We found a ticket for Newark (EWR) to Toyko (NRT) via Detroit (DTW) on Delta for $3,578 with the International Airline Program discount. The original cost of this ticket through AmexTravel.com was $4,371, meaning that that we would’ve saved just over 18% by using this benefit.

We also searched for a premium economy ticket from New York (JFK) to Madrid (MAD). We found a nonstop option on Iberia priced at $857 through the International Airline program, bringing it down from $1,291 without the discount. This was a massive 44% discount, making the premium economy ticket nearly as cheap as flying standard economy on the route.

It’s hard for us to give this benefit a solid valuation based on how variable it is. After all, if you rarely book paid premium airfare, you will get significantly less value than someone that books it frequently. However, it’s clear that — based on the sample discounts presented here — there’s a ton of value to be had in this program, especially if you’re often booking premium international airfare for employees or contractors.

7. Airline Incidental Fee Credit [Up to $200]

The Amex Business Platinum card — like the Amex Platinum card — includes an up to $200 airline incidental credit. This can be used to cover things like baggage fees, seat assignment costs, and lounge passes for an airline of your choice.

Just charge your eligible purchase to your Amex Business Platinum card to use this credit. It will be automatically refunded to your account in the form of a statement credit within 4 weeks. However, you may need to call American Express if it takes longer. Just make sure to activate the benefit on your card’s benefits page on the American Express dashboard before you make a qualifying charge.

We value this benefit at its face value of $200. While it isn’t as flexible as the Chase Sapphire Reserve^® $300 travel credit, frequent travelers should have no problem using this credit every year.

8. Complimentary Hilton Honors, Marriott Bonvoy, and Leading Hotels of the World Status [$200 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 nice benefits like complimentary space-available upgrades, late checkout, and bonus point earning.

Here’s a look at what benefits both statuses include:

Hilton Honors Gold Benefits:

• 80% points bonus
• Room upgrades (subject to availability)
• Continental breakfast at most full-service properties

Marriott Bonvoy Gold Elite Benefits:

• 25% bonus points
• Welcome gift at check-in (points, etc.)
• 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 rental car Platinum status
• Upgrade priority at arrival
• Daily continental breakfast for two
• Early check-in and late checkout considerations

These benefits can be super valuable to road warriors, especially when you score an upgrade and can take advantage of the food and beverage credit or complimentary continental breakfast at Hilton properties. Further, it 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’ll easily find more than $200 in value from this benefit.

9. Hotel Statement Credit (Up to $600 Value)

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

Your credits are divided into 2 separate 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 a 1-night stay.

While it is not ideal that the credits are broken up biannually, we value this credit at its face value of $600 per year, given that there are many hotels you can book through Fine Hotels + Resorts and The Hotel Collection.

10. American Express Fine Hotels and Resorts Access [$150+]

Speaking of hotel benefits, you can use your Amex Business Platinum card to book hotels through the Fine Hotels + Resorts program.

This is an offshoot of AmexTravel.com for Amex Business Platinum cardholders that includes an array of exclusive benefits. In most cases, these benefits are either Amex-exclusive or similar to what you’d get with top-tier hotel elite status.

When you book through this portal, you earn 5 points per $1 on your purchase and are entitled to 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

Just note that when you book through this portal, you won’t earn traditional hotel points on your stay. Further, you likely won’t be able to use your hotel elite status benefits, so make sure to compare those benefits with what’s included with your Fine Hotels + Resorts booking.

All in all, we value this benefit at $150 per year, but it can be much higher if you frequently book hotel stays through the portal. These benefits are particularly beneficial when you’re staying at independent hotels that aren’t tied to a traditional hotel status program.

11. Complimentary Rental Car Status and Benefits [$200 or More]

Your Amex Business Platinum card includes car rental privileges at 3 major car rental companies: Avis, Hertz, and National. Some of these companies give you full-blown rental car status, while others give you elite-like benefits and a hefty discount when you pay for your rental with your Amex Business Platinum card.

Here’s a look at all of the Amex Business Platinum card’s rental car benefits:

National Emerald Club Executive Status:

• Executive area access: Choose any car class (full-size and above) and only pay the midsize rate.
• Guaranteed upgrades: Get 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: Get a free rental credit after 6 car rentals.

Avis Preferred American Express Benefits:

• Complimentary 1-car class upgrade: Use coupon code #UUNA007 when making a reservation to get a 1-class upgrade when available. Unfortunately, this is not a guaranteed benefit.
• 25% off base rates: Book directly with Avis and use Avis Worldwide Discount 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: This is available for U.S., Canadian, 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. Some countries only let you have a 2-hour grace period.
• 1-car class upgrade: This benefit is based on availability and is not guaranteed.

Our favorite set of benefits is the complimentary National Emerald Club Executive status. This benefit essentially gives you free rein to choose whatever rental car you’d like from National. So if you need a minivan or pickup truck for a special event, you only pay the midsize price. And if you fancy a sports car, you can rent one so long as it’s available in the Emerald Aisle.

The other benefits can be helpful as well. A discount of 20% to 25% at Avis and Hertz can give you incredible savings, especially if you need to rent for an extended period of time. And depending on how often you rent cars for your business, these discounts can have a real impact on your business’s bottom line.

Because of this, we value these perks at $200 for moderate users. However, like most benefits we’ve outlined, it can quickly become worth much more with heavy use.

12. Global Entry Application and Renewal Fee Reimbursement [Up to $120]

Your Amex Business Platinum card reimburses your Global Entry or TSA PreCheck application and renewal fees. The card grants you statement credit for Global Entry once every 4 years, and TSA PreCheck once every 4 1/2 years. If you already have either of these services, you can use your credit to cover a co-worker, family member, or friend’s application fee, too — just make sure to use your Amex Business Platinum card when paying the application or renewal fee.

Hot Tip: We highly recommend using this benefit to cover Global Entry, not TSA PreCheck. When approved for Global Entry, you’re automatically included in TSA PreCheck when you add your Known Traveler Number to your ticket.

Again, we’ll value this benefit at its face value of up to $120. Just note that you only receive this benefit once per 4 or 4 1/2 years.

13. Annual CLEAR Credit [$209]

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

14. Annual Hilton Credit [$200]

You will 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 [Up to $1,150]

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.

Dell has a vast selection of electronics from various brands, including products like Xbox, headphones, and printers. So whether you’re buying for business or pleasure, you should have no problem making the most of this credit twice a year.

16. Indeed Statement Credits [Up to $360]

Indeed helps businesses with a variety of needs, including finding talent. 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 in the form of $90 back each quarter. Enrollment is required to take advantage of this benefit.

17. Adobe Statement Credits [Up to $250]

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 like Creative Cloud for teams or Acrobat Pro DC with e-sign for teams.

18. Wireless Phone Service Statement Credits [Up to $120]

We’ve grown accustomed to seeing Amex Offers on a number of cards for statement credits on wireless telecom services, but now they’re a fixture on the Amex Business Platinum card. Enroll for this credit 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

19. Amex Business Platinum Card Purchase Protection Benefits [$400 or More]

In addition to travel and points benefits, the Amex Business Platinum card comes with a number of purchase and travel protections. These benefits give you peace of mind when buying new tools and products for work, oftentimes reimbursing your for their damage or loss.

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

Purchase Protection [$100 or More]

All purchases you make with your Amex Business Platinum card come with free purchase protection.

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

Just note that all claims must be filed within 30 days of the product being lost or damaged. Further, 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.

One last thing: This coverage is secondary to any personal insurance policies that may apply to your purchased items. You’re reimbursed by American Express for the amount remaining between what’s covered by your primary insurance and the actual purchase price of the product.

However, if you don’t have insurance on the product in question, American Express reimburses the full amount.

We value this benefit modestly at $100 because you likely won’t use it often. However, when you do use it, it can be worth up to $10,000 per use, which can have a real impact on your bottom line.

Return Protection [$100 or More]

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 covers up to $300 per item, up to $1,000 in reimbursements 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 [$100 or More]

Even better, 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 a year of coverage on top of the product’s standard warranty.

There are limits, though. This warranty covers up to $10,000 per item, with a maximum of $50,000 on claims annually. This can be helpful for big-ticket business purchases like computers, servers, and tools, possibly saving you thousands of dollars from a single claim alone.

For the purpose of this article, we value the extended warranty benefit at $100. This is because you’re not likely to have to use this benefit often, but it can save you a lot of money when you do. Just make sure to keep your card open and in good standing so you can use it when the time comes.

Cell Phone Protection [$100 or More]

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

Travel Protections

20. Car Rental Loss and Damage Insurance [$50]

Further, rental cars booked with your Amex Business Platinum receive free secondary car rental loss and damage insurance. If you incur damage to a rental car, American Express pays out whatever your primary insurance won’t pay. Just note that it does not pay out for damage to other vehicles, property damage, or injuries to you or a passenger.

For coverage to apply, you must decline the collision damage waiver when you rent your car. There are certain location and vehicle-type exclusions that can be found in the coverage terms, too. You can find these exclusions on the American Express website or by calling the number on the back of your card.

Because this coverage is secondary, we value this benefit modestly at $50. However, it could come in handy if your primary insurance has low coverage on rental cars. Consider getting a credit card with primary rental car insurance if you want primary, as compared to secondary, coverage.

21. Checked and Carry-On Baggage Insurance [$100 or More]

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

The coverage limits are as follows:

• 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 both carry-on and checked baggage, a maximum of $3,000 total will be paid. Because you’re unlikely to use this benefit often, we value it at $100 for the purpose of this article, but the peace of mind can be invaluable.

22. Travel Accident Insurance [$100 or More]

Finally, travel booked with your Amex Business Platinum card is covered by the Amex Travel Accident Insurance plan. This benefit pays out up to $500,000 if a covered person is killed or dismembered while riding as a passenger on, boarding, exiting from, or being struck by a common carrier.

Coverage is also available for passengers who suffer exposure or disappearance because of a common carrier’s vessel disappearing, wrecking, or sinking.

Just note that this coverage only applies if the entire fare for the trip was paid with your Amex Business Platinum card and a loss of life occurs within 100 days after the accident or injury.

We value this benefit at $100, as you’re unlikely to ever have to use it. However, it can provide serious peace of mind when you’re booking adventures and other types of risky travel.

Extra Credits Unlocked With Annual Spend

23. Amex Travel Flight Credit [Up to $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 credit for flights booked online at AmexTravel.com.

While this benefit requires that you put a sizable amount of business expenses on your card in a calendar year, if you have that amount of business expenses anyway, then getting an additional $1,200 AmexTravel.com statement credit for flights is a big perk.

24. American Express One AP Credit [Up to $2,400 ]

Similarly, if you spend $250,000 on your card in a calendar year, you also receive up to $2,400 in statement credits toward American Express One AP fees when you use your Amex Business Platinum card to pay suppliers.

Again, while we wouldn’t recommend spending $250,000 on the card just to receive this benefit, if this amount of spending wouldn’t be unusual for your business, then you’re receiving an additional $2,400 in statement credit without any added effort.

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

150,000 200,000 points

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$895

APR

17.99% - 28.74% 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 card application.

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

Read Full Review

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: 17.99% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Final Thoughts

The Amex Business Platinum card’s various benefits are worth over $7,000 — and that’s not factoring in the hefty welcome bonus.

With this in mind, the card’s various benefits significantly outweigh the card’s hefty annual fee, making it a great deal for business owners and employees who travel frequently. Furthermore, businesses that make frequent large purchases can take advantage of the card’s purchase protections and elevated points-earning rate on purchases of $5,000 or larger.

If you apply for an Amex Business Platinum card, make sure to activate your airline incidental benefit, hotel statuses, statement credits, and Priority Pass benefits on the card’s benefits page when your card arrives.

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For the car rental loss and damage insurance benefit of The Business Platinum Card^® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. 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, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. 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 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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the return protection benefit of The Business Platinum Card^® from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. 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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of The Business Platinum Card^® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. 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.