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 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.

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

  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.

  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.

  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.

  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.

  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.

  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).

  • Terms Apply.

Rates, fees & offers

  • Annual fee

    $595 (10/14-1/12/22)

  • Rewards rate

    1x-5x

  • Bonus offer

    Earn 120,000 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

    See Pay Over Time APR

  • 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 (10/14-1/12/22)

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

See Pay Over Time APR

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 (10/14-1/12/22)

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 120,000 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.