Business Platinum
American Express$895 a yearNo foreign transaction feeIssuer's page
Already have it? Keep it.
Welcome bonus
Up to300,000points
after $20,000 in purchases in the first 3 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
At the advertised maximum.
| First-year value | Amount |
|---|---|
| Welcome bonus (up to)300,000 points at 1.5¢ | $4,500 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Credits you'll likely useof $950 face value | +$587 |
| Annual fee | −$895 |
| Meeting the $20,000 minimumearns 1.5% here vs 2% on Double Cash | −$100 |
| First year at the advertised maximum | $4,092 |
| Each year after | +$697 |
Not counted in the first year: lounge access, status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Prepaid hotel+flight packages booked through Amex Travel | 7.5% |
| 5X | Flights booked through Amex Travel | 7.5% |
| 5X | Prepaid hotels booked through Amex Travel | 7.5% |
| 5X | Prepaid short-term rentals booked through Amex Travel | 7.5% |
| 1X | Everything else | 1.5% |
+ 4 more rates
| Rate | Category | Return |
|---|---|---|
| 2X | U.S. construction material and hardware suppliers | 3% |
| 2X | U.S. electronic goods retailers and software & cloud system providers | 3% |
| 2X | U.S. shipping providers | 3% |
| 2X | Purchases of $5,000 or more | 3% |
Noteworthy perks
- The Hotel Collection$600 a year
- American Express Centurion Lounge
- Airline Fees$200 a year
- Hilton Honors Gold (enrollment required)
Business card · Earns American Express Membership Rewards · Authorized user fee $400
Benefits
Credits & Perks (13)
- CLEAR Plus: $219 (Annual Calendar Year)
Covers full cost of CLEAR Plus membership. Enrollment required.
- ChatGPT Business: $300 (Annual Calendar Year)
Enrollment required. Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions made directly with OpenAI, where OpenAI is the merchant of record.
- The Hotel Collection: $300 (Semi Annual Calendar Year)
Earn up to $300 back in statement credits semi-annually (January through June, and July through December) on prepaid Fine Hotels + Resorts or 2+ nights with The Hotel Collection booked through Amex Travel.
- Dell: $150 (Annual Calendar Year)
Enrollment required.
- Dell after $5,000 spend: $1,000 (Annual Calendar Year)
Enrollment required. Requires spending $5K or more with Dell
- Adobe: $250 (Annual Calendar Year)
Enrollment required. Requires spending $600 or more with Adobe
- Wireless: $10 (Monthly)
Enrollment required. Wireless telephone service purchases made directly with US wireless providers.
- Hilton: $50 (Quarterly Calendar Year)
Statement credits for purchases made directly with properties in the Hilton portfolio. Includes dining and shopping at Hilton properties. Effective January 31, 2026, Hilton gift card purchases will no longer be considered an eligible purchase, and you will not receive the statement credit for any Hilton gift card purchases. Enrollment required.
- Airline Fees: $200 (Annual Calendar Year)
Choose eligible US airline annually in January. Covers incidental fees like baggage fees, seat selection fees, and in-flight purchases on the selected US airline. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Amex Travel Flight Credit: $1,200 (Annual Calendar Year)
Unlocked after spending $250,000 in a calendar year. Use in the next calendar year on flights booked on AmexTravel.com.
- One AP: $2,400 (Annual Calendar Year)
After spending $250,000 on eligible purchases in a calendar year, unlock up to $2,400 in statement credits for use in the next calendar year on monthly fees for American Express One AP®, American Express’ digital accounts payable product that automates supplier payments on one platform.
- Indeed: $90 (Quarterly Calendar Year)
Get up to $90 in statement credits quarterly for purchases with Indeed on your Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Lounge Access (6)
- American Express Centurion Lounge (Unlimited): paid guests allowed ($50/adult)
- Priority Pass Select (Unlimited): 2 free guests, paid guests allowed
- Delta Sky Club (10 visits/year): paid guests allowed ($50/adult)
- Plaza Premium Lounge (Unlimited): 1 free guest, paid guests allowed
- Airspace Lounge (Unlimited): 2 free guests, paid guests allowed
- Escape Lounge (Unlimited): 2 free guests, paid guests allowed
Elite status (6)
- Marriott Bonvoy: Gold
- Hilton Honors: Gold
- LHW Leaders Club: Sterling
- Avis Preferred: Preferred Plus
- Hertz Gold Plus Rewards: President's Circle
- National Emerald Club: Executive
Protections (9)
- Trip Cancellation/Interruption, up to $10,000, Coverage for trip cancellation and interruption up to $10,000 per trip, $20,000 maximum per card per 12-month period. Pay for round trip travel in full with your card to be eligible for this benefit. This includes award ticket fees or points.
- Trip Delay, up to $500, Coverage for trip delays over 6 hours, up to $500 per trip. Pay for round trip travel in full with your card to be eligible for this benefit. This includes award ticket fees or points.
- Lost Luggage, up to $3,000, Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. $2,000 for checked bags. Pay for the full cost of transportation with your Amex card to be eligible for this benefit.
- Emergency Evacuation, Emergency medical evacuation coverage with no limit. There is no requirement to pay for any part of your trip with your Amex card to use this benefit.
- Purchase Protection, up to $10,000, 90 days coverage for theft/damage, up to $10,000 per occurrence
- Extended Warranty, up to $10,000, Extends warranty by up to 1 year
- Return Protection, up to $300, Up to $300 per item when retailer won't accept return
- Car Rental Insurance (secondary), up to $75,000, Secondary coverage up to $75,000 for rental car damage/theft (primary coverage available for additional fee of $19.95-$24.95 per rental). Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Australia, Italy, New Zealand.
- Cell Phone Protection, up to $800, Coverage for your cell phone when you pay your monthly bill with your card. Up to $800 per claim with a $50 deductible, limit of 2 approved claims per 12-month period. Excludes cosmetic damage.
Other Perks
- Global Dining Access by Resy
- Platinum Nights by Resy
- Premium Global Concierge
- 35% airline bonus when using Pay with Points for flights booked through Amex Travel with your selected qualifying airline, up to 1,000,000 points back per calendar year. Qualifying airlines: Alaska, American, Delta, Hawaiian, JetBlue, Spirit, Southwest, United. As of 9/18/25, the rebate no longer applies to First and Business Class tickets booked with non-selected airlines
The American Express Business Premium family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply. [boardingarea_quinstreet_cc id=4028.1K key=rates_fees to You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply.Oct 14, 2026
- changed from You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply. to You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply. [boardingarea_quinstreet_cc id=4028.1K key=rates_feesOct 13, 2026
- changed from null to no_preset_limitOct 11, 2026
- changed from You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply. (Rates & Fees) to You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply.Oct 11, 2026
- changed from null to Amex Business PlatinumOct 8, 2026
- changed from null to Additional Business Expense Cards (employee cards without Platinum benefits) have no annual fee.Sep 30, 2026
- changed from null to chargeSep 2, 2026
- changed from You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply. (Rates & Fees) to You may be eligible for as high as 300K Membership Rewards® Points after spending $20k in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary, and you may not be eligible for an offer. Terms apply. (Rates & Fees)Aug 28, 2026
- changed from null to 20000Aug 13, 2026
- changed from null to 90Aug 13, 2026