American Express · Business

American Express Business Platinum

A $895-a-year business card earning Membership Rewards: 5× on Airfare (Portal) and Hotels (Portal), 1× on everything else.

Year one and year two

Is it worth it for you?

Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.

Line	Year one	Year two
Signup bonus 300,000 points · spend $20,000 on purchases on your Card in the first 3 months of Card Membership	$5,700	–
Points on your spend Enter your spending	$0	$0
Credits you’d use None ticked yet	$0	$0
Annual fee Charged each year	−$895	−$895
NetYear one includes the bonus · at your inputs · our estimates*	$4,805	−$895

The bonus needs $20,000 on purchases on your Card in the first 3 months of Card Membership.

Compare whole wallets See how the Business Platinum does beside the cards you already hold.

Earning structure

Category	Points per $1	Worth per $100 (our estimate)*
Airfare (Portal)	5×	$9.50
Hotels (Portal)	5×	$9.50
Electronics / Software Cap $2,000,000 / 12 mo, shared Notes Electronic goods retailers and software & cloud system providers	2×	$3.80
Home Improvement Stores US onlyCap $2,000,000 / 12 mo, shared Notes Construction material and hardware suppliers	2×	$3.80
Large Purchases US onlyCap $2,000,000 / 12 mo, shared Notes Eligible purchases of $5,000 or more (in any category)	2×	$3.80
Shipping Cap $2,000,000 / 12 mo, shared	2×	$3.80
All Other	1×	$1.90

The rest of the card

Card details

Application rules5

Amex 1/10
Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.
Amex 3/90
You'll be declined if you apply for a fourth Amex card in 90 days.
No 2nd Biz
You might not be allowed to get a second card for a separate business (EIN).
No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
No CR
This business card will not show on your personal credit report, so it won't count against your 5/24 status.

Transfer partners18

Ratio is Membership Rewards points to partner miles or points.

Benefits24 · 11 high value

Airport Express Credits High value$120 Global Entry or TSA PreCheck Credit + 1 more airport express credits benefit
Credits & Discounts High value$120 Wireless Credit + 7 more credits & discounts benefits
Earn Perks & Status High value$100 The Hotel Collection Credit + 2 more earn perks & status benefits
Instant Perks & Status High valueCar Rental Privileges - Avis, Hertz, National + 2 more instant perks & status benefits
Lounge Access High valueAmerican Express Global Lounge Collection®
Point Modifiers High value1.54x More Value on Flight Redemptions
Car Rental Insurance SECONDARY Car Rental Loss and Damage Insurance
Cell Phone Protections Cell Phone Protection
Travel Protections Baggage Insurance Plan + 3 more travel protections benefits

Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.

Alternatives

	American Express Business Platinum	American Express Business Green Rewards	American Express Business Gold	Chase Sapphire Reserve Business
Annual fee	$895	$95−$800	$375−$520	$795−$100
Signup bonus	300,000 pts	15,000 pts	200,000 pts	150,000 pts
Top rate	5×Airfare (Portal), Hotels (Portal)	2×Airfare (Portal), Hotels (Portal)	4×1st Highest Spend Category	8×5 categories
Travel value *	1.9¢Membership Rewards	1.9¢Membership Rewards	1.9¢Membership Rewards	1.85¢Ultimate Rewards
Why it’s here	This card	Same issuer and the same Membership Rewards points; business card	Same issuer and the same Membership Rewards points; business card	An annual fee within $100, with transferable points; business card

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