Business Platinum Card: Unlock Exclusive Rewards and Benefits

The Business Platinum Card is a premium credit card designed for business owners who want to take their rewards and benefits to the next level. This card offers a 5x points bonus on eligible purchases in eight categories, including air travel, hotels, and cruise lines.

You can earn a welcome bonus of 100,000 points after spending $15,000 in the first 3 months. This is a great way to get started with your rewards earning potential.

The card also comes with a $200 airline fee credit, which can be used to offset the cost of baggage fees, change fees, and more. This credit can be a huge money-saver for frequent travelers.

Take a look at this: Platinum Card Points

The Amex Business Platinum Card offers a generous rewards program that can help you save money and earn valuable points. You'll earn 5x points on flights and prepaid hotels booked through Amex Travel.

To maximize your rewards, take advantage of the 1.5x points on eligible purchases in select categories, including electronic goods retailers, software and cloud system providers, construction material and hardware suppliers, and shipping providers. These categories are capped at $2 million in purchases per calendar year.

A unique perspective: Amex Platinum Card Points

You can also earn 1.5x points on purchases of $5,000 or more, regardless of the category. This can be a great perk for businesses that make large purchases regularly.

Here are some ways to redeem your Membership Rewards points:

Some redemption options include:

The Amex Business Platinum Card also offers a welcome offer of 150,000 Membership Rewards points after spending $20,000 on eligible purchases within the first three months.

The Amex Business Platinum Card is packed with valuable benefits that can help offset its annual fee. One of the card's major features is its statement credits and benefits, which include up to $200 airline fee statement credits per calendar year.

You can earn 150,000 Membership Rewards points after spending $20,000 in eligible purchases on the card within the first three months. This is a great incentive for businesses that make large purchases.

The card also offers a $200 annual airline fee credit, which can be used toward airline incidentals and fees. You can designate one airline to receive the credit, and you can change your selection in January of each year.

Broaden your view: International Airline Program Platinum Card Benefit

You can use the airline fee credit toward expenses like checked bag fees, seat selection, pet fees, lounge day passes, and inflight food and drink. However, airfare is excluded from the credit.

One of the card's best features is its lounge access. You can enjoy access to over 1,400 airport lounges worldwide, including Centurion Lounges, American Express Global Lounge Collection, and Delta Sky Clubs when flying Delta.

The card also offers a $199 CLEAR Plus credit, which can be used toward a CLEAR membership. CLEAR offers expedited security at select airports in the United States.

Here are some of the card's other benefits:

These benefits can help make the card's annual fee more manageable. However, the value of the card largely depends on your business spending habits and travel frequency.

The Amex Business Platinum Card comes with a hefty $695 annual fee, which might seem daunting at first. However, you can effectively offset the yearly cost by maximizing the Dell, airline incidental fee, and wireless credits, which total up to $720.

You won't pay foreign transaction fees with the Amex Business Platinum Card, which can be a big savings if your business frequently makes international purchases or if you travel overseas.

There's also an authorized user fee of $350 per user, which is steep compared to other cards. Authorized users do receive lounge access perks and most hotel perks, but they don't get additional credits for airline fees, Dell, or CLEAR.

If you're an Amex Business Platinum Card holder, you can receive up to $150 per calendar year in statement credits toward select Adobe purchases.

The Amex Business Platinum Card offers up to $150 per calendar year in statement credits toward select Adobe purchases, including Adobe Creative Cloud and Acrobat Pro DC.

You can use this credit to offset the cost of Adobe software, which can be a significant expense for businesses and individuals alike.

To take advantage of this benefit, simply charge your Adobe purchases to your Amex Business Platinum Card, and you'll receive a statement credit back.

Recommended read: Citi Aadvantage Platinum Select Card Rental Car Coverage

This credit can be a huge money-saver, especially for those who rely heavily on Adobe software for their work.

Here are some examples of Adobe purchases that may be eligible for the credit:

Keep in mind that this credit is only available for select Adobe purchases, so be sure to check with Amex to see if your specific purchase is eligible.

The Amex Business Platinum Card has a hefty annual fee of $695, which is one of the highest annual fee cards out there.

To put this in perspective, the fee is equivalent to the annual cost of a CLEAR membership, which normally costs $199 per year, but can be offset with a statement credit.

You can use the $695 annual fee to calculate the potential savings from other benefits, such as the Dell, airline incidental fee, and wireless credits, which can add up to a total of $720.

A unique perspective: Platinum Card American Express Annual Fee

If you don't plan to use these benefits, the annual fee might be a significant expense.

Here's a breakdown of the annual fee compared to other American Express cards:

Keep in mind that the annual fee is just one aspect to consider when evaluating the Amex Business Platinum Card's value.

Travel benefits are one of the standout features of the Amex Business Platinum Card. You can get up to $120 toward the Global Entry or TSA PreCheck application fee, which can save you a ton of time at the airport.

The card also offers a $200 annual airline fee credit, which can be used toward airline incidentals and fees. You can designate one airline to receive the credit each year from a list of participating airlines.

With the Amex Business Platinum Card, you'll have access to a network of over 1,400 airport lounges across 140 countries, including the American Express Global Lounge Collection, Delta Sky Club lounges, and Priority Pass Select lounges. You can also get access to select Lufthansa Business & Senator Lounges when flying on a Lufthansa Group flight.

Here's a breakdown of the airline partners you can choose from for the $200 annual airline fee credit:

The Amex Business Platinum Card offers a wide range of travel benefits that can make your trips more comfortable and convenient. With this card, you can enjoy access to over 1,400 airport lounges worldwide, including the American Express Global Lounge Collection, Delta Sky Clubs, and Priority Pass Select lounges.

You can also get up to $200 in airline incidental fee credits each calendar year, which can be used towards expenses like checked bag fees, seat selection, and lounge day passes. This credit can be a huge help if you travel frequently.

One of the best perks of the Amex Business Platinum Card is its Global Lounge Collection, which includes access to Amex Centurion lounges, Delta Sky Clubs, and other airport lounges. These lounges offer complimentary cocktails, quality food, and a quiet place to work and relax.

Here are some of the airlines you can choose from for your airline fee credit: Alaska Airlines, American Airlines, Delta Air Lines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines, and United Airlines.

Expand your knowledge: Delta Lounge Platinum Card

The Amex Business Platinum Card also offers a $120 Global Entry Credit, which can be used towards the application fee for Global Entry or TSA PreCheck. This credit can save you a significant amount of money and make your travels more efficient.

You can also get 35% of your points back when you book a first or business class flight, or any flight with your selected airline, up to 1,000,000 points back each year. This is a great way to earn rewards on your flights.

If you're an Amex Business Platinum Cardholder, you're covered with secondary rental car insurance when you use the card to pay for your rental in full and decline the rental company's collision damage waiver.

This coverage is limited to theft or damage only, not liability, so be sure to read the terms to understand what's included and excluded. Some rentals, vehicle types, and countries are excluded, so it's essential to check the details before your trip.

The Amex Business Platinum Card's rental car insurance is a great perk, especially if you're traveling frequently for work.

If this caught your attention, see: Chase Business Credit Card Travel Insurance

The Amex Business Platinum Card offers a range of redemption options for your Membership Rewards points.

You can transfer your points to airline and hotel partners like Delta, Marriott, Air Canada Aeroplan, and British Airways for maximum value.

The card also allows you to book airfare, hotels, rental cars, and more through American Express Travel, with access to airfare discounts through the Amex International Airline Program.

One lucrative benefit for award travelers is a 35% points rebate when redeeming points for first- or business-class tickets, or for any fare with your selected airline through Amex Travel.

This rebate effectively boosts the value of your points to 1.54 cents apiece, making it an excellent option for booking flights.

You can also use your points for non-travel redemptions, including statement credits, merchandise, food delivery, charity donations, gift cards, and more.

Here are some specific redemption rates for non-travel redemptions:

The Amex Business Platinum Card offers a special redemption rate when booking flights through American Express Travel, allowing you to redeem points at a value of ~1.54 cents per point.

The Ink Business Preferred Credit Card from Chase is a great alternative to The Business Platinum Card from American Express. It has an annual fee of $95, significantly lower than the Amex card's steep fee.

This card earns 3x points on shipping purchases, advertising on social media and search engines, internet, cable, and phone services, and travel, up to $150,000 in combined purchases per year. The Ink Business Preferred Credit Card also offers a welcome bonus of 90,000 points after spending $8,000 in the first three months.

If you're considering The Amex Business Platinum Card, think about whether your business consistently makes large purchases, over $5,000 per year. If so, the card might be worth it for the benefits it offers, but for everyday spending, there are better options available.

Related reading: Blue Cash American Express Benefits

If you're not sold on the American Express Business Platinum Card, there are some excellent alternatives to consider. The Ink Business Preferred Credit Card from Chase is a great option, with a $95 annual fee and the potential to earn 90,000 bonus points after spending $8,000 in the first three months.

One of the Ink Business Preferred Credit Card's standout features is its rewards program, which earns 3x points on shipping purchases, advertising, internet, cable, and phone services, and travel. This is a great option for businesses that spend a lot in these areas. You'll also get a welcome bonus of 90,000 points after spending $8,000 on purchases in the first three months.

Another alternative is the American Express Business Gold Card, which has a $375 annual fee but offers a more affordable option for businesses that want to earn rewards without breaking the bank. With this card, you'll earn 4X Membership Rewards points per dollar on the two categories where your business spends the most, on up to the first $150,000 in combined purchases.

Here are some key benefits of the American Express Business Gold Card:

If you're looking for a more budget-friendly option, the Ink Business Preferred Credit Card from Chase may be the way to go. However, if you want to earn rewards on a wider range of categories, the American Express Business Gold Card could be a better fit.

The American Express Business Platinum Card is a complex product that can be worth it for some business owners, but not others. Its value largely depends on your business spending habits and travel frequency.

If your business involves frequent travel, you can easily recoup the annual fee through lounge access and travel credits. High-spending businesses can also earn substantial rewards on large purchases.

However, if your business doesn't involve much travel or high-value purchases, you might find it challenging to justify the annual fee. For example, if your business consistently makes less than $5,000 in purchases, there may be better cards for everyday spending.

To determine if the card is worth it for you, consider the various credits and benefits it offers. These include Marriott and Hilton Gold status, as well as Hertz and National elite status. You should also think about the value of Amex Fine Hotels & Resorts and the International Airline Program, as well as the lounge access perks.

On a similar theme: Amex Platinum Card Annual Fee Increases

Here are some specific factors to consider when evaluating the card's value:

The Amex Business Platinum Card offers a range of benefits that can help offset its annual fee.

The card comes with a welcome offer of 150,000 Membership Rewards points after spending $20,000 in eligible purchases within the first 3 months of Card Membership.

You can earn statement credits in various categories, including up to $200 in airline fees per calendar year, up to $150 at Adobe Creative Solutions, and up to $360 at Indeed.com.

Additionally, you can get up to $100 Experience Credit at The Hotel Collection, but you must book a two-night minimum stay through American Express Travel.

The card also offers credits for other expenses, such as up to $120 for TSA PreCheck or Global Entry application fees, and up to $120 in wireless telephone service purchases made directly with a wireless provider in the U.S.

You can also get up to $400 in statement credits per year toward U.S. purchases with Dell Technologies.

The card is suitable for those with good to excellent credit scores (670-850).

Consider reading: American Express Credit Card Fees