- Annual Fee
- $895
- Ongoing Annual Value
- $1,945
- First-Year Value Estimate
- $4,003
- Net Value
- +$1,050
Sign-up Bonus
Earning Structure
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?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: $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 (8)
- 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
- Lufthansa Business Lounge (Unlimited) — paid guests allowed
- Lufthansa Senator Lounge (Unlimited) — 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
