The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

on American Express's website

The Business Platinum Card® from American Express

American Express is a NerdWallet Partner

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

on American Express's website

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Card details

  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.

  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.

  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.

  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.

  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.

  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.

  • Terms Apply.

Rates, fees & offers

  • Annual fee

    $595

  • Rewards rate

    1x-5x

  • Bonus offer

    Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms Apply.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 14.24% - 22.24% Variable APR

    Penalty APR: 29.24%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$595

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

14.24% - 22.24% Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

NerdWallet review

By Paul Soucy

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • Lounge membership

  • Transfer partners

  • Bonus categories

  • Automatic elite status

  • Premium travel protections

Cons
  • Has annual fee

  • Complicated rewards

  • Requires good/excellent credit

The Business Platinum Card® from American Express comes with rewards and perks galore, many relevant to the traveling small-business owner. But they come at the price of a large annual fee: $595

Among its rewards, this card earns 5 points on flights and prepaid hotels booked through the American Express Travel website; 1.5 points per dollar on individual purchases of $5,000 or more; and 1 point per dollar spent on everything else. Terms apply.

There's also an enticing welcome bonus: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms Apply.

It showers you with relevant perks, too, such as:

--$200 airline fee credit.

--Reimbursement for applications to Global Entry or TSA Precheck.

--Airport lounge access.

--Terms apply.

If you don’t travel or spend much, you might have difficulty reaping enough value to compensate for the sizable annual fee. But road warriors who spend big might find The Business Platinum Card® from American Express worth it.

For more information, see our full review of this card.