The Business Platinum Card® from American Express
The Business Platinum Card serves businesses whose owners travel and whose budgets already include the credited vendors. It earns 5X points on flights and prepaid hotels booked on AmexTravel.com and 2X on key business categories and purchases of $5,000 or more, on up to $2 million per calendar year. Lounge access matches the personal Platinum. The $895 fee demands active use of the Dell, ChatGPT, Adobe, Indeed, wireless, hotel and airline credits.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Lounge access matching the personal Platinum: Centurion Lounges, 10 Delta Sky Club visits per year, Priority Pass Select
- Up to $1,150 per year in Dell credits, including $1,000 after $5,000 in Dell spend
- Up to $300 ChatGPT Business, $250 Adobe and up to $360 Indeed credits per year
- Up to $600 in prepaid hotel credits plus up to $200 airline fee credit per year
- Up to $200 Hilton for Business and up to $120 wireless credits per year
- 35% points back on Pay with Points flights, up to 1,000,000 points per calendar year
- 5X on AmexTravel.com flights and prepaid hotels
- Annual fee: $895, additional Business Platinum Cards $400 each
- Pay Over Time APR: 17.74% - 28.49% Variable
- Intro APR: N/A, this is a pay-in-full charge card with Pay Over Time on eligible charges
- Balance transfers: not offered on this card
- Cash advances: not offered on this card
- Late payment fee: $39 or 2.99% of any past due Pay In Full amount, whichever is greater
- Returned payment fee: $39
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You or your team fly regularly and will use lounge access on business routes
- Your budget already covers Dell hardware, ChatGPT, Adobe, Indeed hiring or wireless service, so the credits refund real spending
- You book large purchases of $5,000 or more and want the automatic 2X on them
- Your redemptions center on flights, where the 35% Pay with Points rebate stretches the balance
- You should skip it if your business rarely travels, the Business Gold or Blue Business Plus deliver more per fee dollar
The Business Platinum Card® from American Express Review
The Business Platinum Card carries the same $895 fee as the personal Platinum but answers it with business-shaped credits: Dell, ChatGPT, Adobe, Indeed and wireless service alongside hotels and lounges. Whether it pays depends on how many of those vendors are already in your budget. This review runs that math.
How You Earn
Earning favors Amex Travel bookings and large transactions.
- The 2X rate covers key business categories and any eligible purchase of $5,000 or more
- 2X applies on up to $2 million of these purchases per calendar year
| Category | Earn rate |
|---|---|
| Flights and prepaid hotels on AmexTravel.com | 5X |
| Key business categories and purchases of $5,000+ | 2X |
| All other eligible purchases | 1X |
How You Redeem
Transfers to travel partners and Pay with Points flights are the high-value paths.
- 35% points back on eligible Pay with Points flights, up to 1,000,000 points per year
- Transfer to about 20 airline and hotel partners
- Statement credits return less value
Benefits and Protections
The benefits stack is the business version of the Platinum playbook: lounges plus vendor credits.
- Over 1,550 lounges including Centurion Lounges
- Dell, ChatGPT, Adobe, Indeed, wireless, Hilton, hotel and airline fee credits, enrollment required
- Global Entry or TSA PreCheck application fee credit
- Premium travel and purchase protections
Who This Card Is For
Owners who travel monthly, buy from the credited vendors and put large invoices on the card. The fee is high and the credit list is long, so it rewards operators who track benefits. Light travelers should step down a tier.
- Consultancies and agencies with frequent flights
- Businesses buying Dell, Adobe and AI tooling
- High-volume spenders using Pay Over Time
Comparison
| Feature | The Business Platinum Card® | U.S. Bank Business Leverage® Card | Citi® / AAdvantage Business™ Card |
|---|---|---|---|
| Annual Fee | $895 | $0 intro for the first year, then $95 | $0 intro for the first year, then $99 |
| Welcome Offer | As high as 300,000 pts, $20,000 in 3 mo | Up to $600 after $6,000 in 120 days | 65,000 miles after $4,000 in 4 mo |
| Rewards Rate | 5X Amex Travel flights and hotels | 2X top two categories automatically | 2X American Airlines and select categories |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | See issuer terms | None |
| Best For | Lounges and vendor credits | Low-fee flexible earning | American Airlines flyers |
Issuer Comparison
| Feature | The Business Platinum Card® | American Express® Business Gold Card | The Blue Business® Plus Card |
|---|---|---|---|
| Annual Fee | $895 | $375 | $0 |
| Welcome Offer | As high as 300,000 pts, $20,000 in 3 mo | As high as 200,000 pts, $15,000 in 3 mo | 15,000 pts after $3,000 in 3 mo |
| Rewards Rate | 5X Amex Travel flights and hotels | 4X top two categories, capped | 2X on everything up to $50,000 per yr |
| Key Credits | Dell, ChatGPT, Adobe, Indeed, hotel, airline | ChatGPT, Squarespace, Walmart+, FedEx | None |
| Best For | Business travelers | Concentrated category spend | No-fee everyday earning |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.