The Business Platinum Card® from American Express

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Pros

Access to multiple airport business lounges, $200 annual airline fee credits, elite status with hotel and rental car programs, and strong purchase protection policies
This card also earns points in Amex’s excellent Membership Rewards program.

Cons

This card has a steep annual fee.

Rates and fees

Terms, Rates & Fees

Intro APR

N/A

Purchase APR

17.74% - 28.49% Variable

Annual Fee

$895

Foreign Transaction Fee

None

Rewards Rate

5X points on flights and prepaid hotels on AmexTravel.com. 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. 1X points on other eligible purchases

Welcome Offer

You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 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.

Details

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 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.
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 $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
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. Gift cards are not an eligible purchase. 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+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
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.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
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.
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
Terms Apply.

Nav's Verdict

Bottom line: Earn elite status membership and premium perks for business travel.

Apply now

The Business Platinum Card® from American Express. is a great option for business owners who frequently spend money on airfare, hotels stays, and other travel expenses. This card offers a competitive rewards program as well as numerous travel-focused benefits including airline fee credits access to American Express lounges around the world.

Not looking for a travel-specific rewards program? You may want to consider one of the other American Express business cards currently available. Many of these cards are specifically designed to reward you for common business expenses like office supplies, internet or phone service, and purchases at restaurants and gas stations.

Card Review Details

The Business Platinum Card® from American Express was designed for business owners who spend a lot of time jet setting from place to place. 5X points on flights and prepaid hotels on AmexTravel.com. 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. 1X points on other eligible purchases

In addition, this card offers a ton of annual perks, including airline credits, hotel credits, and even a $200 annual statement credit for making purchases directly with Dell. Cardholders can also take advantage of the Pay Over Time feature (on eligible purchases), which makes it possible to carry balances, with interest, on purchases over $100.

Overall, these benefits can make The Business Platinum Card® from American Express a truly valuable addition to your wallet. Unfortunately, there is one significant catch -- a $895 annual membership fee.

Despite that, for business owners who have some serious travel expenses, this card can very well be worth the steep fee, but you’ll need to crunch some numbers and compare your spending to the rewards and benefits before you make that decision.

Prefer a card with a lower annual fee? You may want to consider alternative American Express business cards, like the The American Express Blue Business Cash™ Card. Or, if you’re loyal to Delta and are looking for an airline-specific card, you may also want to consider one of the American Express Delta Business Cards.

Not looking for a rewards program? You may want to consider , which allows business owners to finance purchases for up to 60 days.

Is The Business Platinum Card® from American Express worth it?

There are plenty of perks associated with The Business Platinum Card® from American Express, and many of them are specifically designed to reward customers who use the card for all or a significant portion of their travel expenses. That’s particularly true thanks to the points program, which allows you to get the most out of your travel expenses when you book through amextravel.com.

That said, the new $895 annual membership fee is quite steep and places The Business Platinum Card® from American Express at the top of the charts when it comes to fees, so business owners will need to weigh to benefit against this annual financial obligation.

If you plan on using it to book the majority of your travel, and plan to take advantage of the other benefits, like the Dell purchase credit, then it can be worth the fee, but for many business owners, that won’t be the case.

The Business Platinum Card® from American Express vs Gold - Which is better?

American Express offers numerous business cards, but two of the most popular are the Platinum and the . Though each has benefits, which one is best for you often depends on your spending habits.

The Business Platinum Card® from American Express is designed specifically for business owners with significant travel expenses. Both the rewards points tiers and the benefits can be valuable, but only if you plan on booking travel and using points to do the same. Conversely, the is designed for business owners who have more eclectic spending needs. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 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..

Finally, before making a decision, it’s important to note that the Amex Business Gold card also carries a lower annual fee $375). This can make it a better option for those who may not use the Platinum card, or its benefits, enough to merit a $895 fee.

What are The Business Platinum Card® from American Express requirements?

American Express does not provide a list of specific requirements; however, you typically must be a business owner who can provide both business and personal information. This typically includes basic business information, like years in business, industry type, and company structure, as well as your estimated annual revenue.

Further, you must be able to provide your Federal Tax ID. If you’re a sole proprietor or own an LLC, then you can use your SSN. If your business is a Partnership or Coproration, then you will be required to enter your EIN.

Further, though American Express does not offer a minimum credit score requirement, customers typically have Excellent credit.

Will I get approved for The Business Platinum Card® from American Express?

Approval is based on a variety of factors including your credit history and revenue. Generally, applicants are more likely to be approved if they have an excellent credit score.

How do I earn 5X Points Rewards?

To earn 5X points, you must use The Business Platinum Card® from American Express to make travel purchases through the Amex Travel portal. Eligible purchases included the following:

Scheduled flights
Prepaid hotel stays
Prepaid hotel+flight packages

Is The Business Platinum Card® from American Express metal?

Yes. The Business Platinum Card® from American Express is made out of high-quality metal.

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