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The Business Platinum Card® from American Express

An Advertising Partner

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on American Express's secure site

The Business Platinum Card® from American Express

An Advertising Partner

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) Over the Past 60 Days!

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on American Express's secure site


  • Regular Purchase APR

    16.49% - 24.49% Variable

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $695

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • 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.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

Card Fees

  • Foreign Transaction Fee

    None

  • Balance Transfer Fee

    N/A

  • Cash Advance Fee

    N/A

Additional Card Details

  • $0 Fraud Liability

    No

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    Yes

  • Roadside Assistance

    Yes

  • Purchase Protection

    Yes

  • Travel Assistance

    Yes

  • Flight Accident Insurance

    Yes

  • Lost Luggage Reimbursement

    Yes

  • Concierge Service

    Yes


Expert Reviews

  • Regular APR

  • Intro APR

  • Fees

    4.0

  • Benefits

    5.0

  • Overall Rating

    4.0 /5

From the LendingTree.com Editorial Team

American Express is known by many customers for their selectivity and premium card membership perks. The Business Platinum Card® from American Express is no different, offering many services, perks and warranty extensions every card owner would want.

To start, there is an excellent Welcome Offer that allows cardholders to receive a large amount of Membership Points®. 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. by making purchases within your first 3 months of Card Membership. American Express Platinum Card members have access to three complimentary airport lounge programs, and with the American Express Global Lounge Collection, cardholders will have access to almost any airport lounge in the world.

Cardholders can earn 1 point per dollar spent on eligible purchases and 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. With large purchases, cardholders can earn up to 1 million bonus points per year. However, staggering annual fee of $695 is something you need to weigh when deciding if this card is right for you and your business.

The Bottom Line

The Business Platinum Card® from American Express is loaded with exclusive rewards and benefits simply for being a card member. If business travel is commonplace for you, the rewards and perks of this card should outweigh the $695 annual fee, depending on how you plan to use this card.

The Good

Card members receive great travel perks like airport lounge access and bonus points on First and Business class flights. Additionally, card holders will enjoy purchase and return protection, extended warranty on purchases, and concierge service.

The Not So Good

This card isn’t for the non-traveler or the businessperson who’s strictly looking for working capital. Again, the annual fee is $695, but if your credit is good enough to get approved, the perks could really be worth it.


Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.

Expert Reviews of the The Business Platinum Card® from American Express

  • Regular APR

  • Intro APR

  • Fees

    4.0

  • Benefits

    5.0

  • Overall Rating

    4.0 /5


Consumer Reviews 4 Reviews

Offer Rating

3.8 out of 5.0

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