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Introducing

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

DollarGeek Rating:

(4.1/5)
Apply Now
on American Express's website
All details on the American Express Reserve® has been collected by DollarGeek to help consumers better compare credit cards. The financial institution did not provide the details. The information may change and is not guaranteed.

Fees & APRs

Fees and APRs will vary, always be sure to check with the card issuer.

Annual Fee $595 per year
Balance Transfer Fee N/A
Purchase Intro APR N/A
Transfer Intro APR N/A
Regular APR 100% - 100%

Rewards

Dive into the geeky details and see how you reap the benefits.

  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your 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.
  • 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.
  • 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.
  • Terms Apply.

Geeky Insight

Read through our extensive research on the The Business Platinum Card® from American Express and see if its the best credit card for you.

For business travelers who travel frequently, want luxury perks and don’t mind paying for pleasure will find the Business Platinum Card from American Express as a solid option.

To start – many people won’t be able to get past the card’s $595 annual fee, but there are a lot of rewards and yearly credits to help offset the cost. If you spend at least $15,000 in the first three months of getting this card you will receive up to $600. Cardholders are also eligible to receive up to $400 in credits for airline fees and Dell purchases each year.

This card can be worth it for high-spending business travelers who are constantly on the go. Check out some of the important highlights on this card below.

  • One of the most expensive cards: The American Express Business Platinum Card charges a hefty annual fee of $595. With a cost this high you have to make sure you’ll use this card often and take advantage of all it has to offer.
  • Big travel rewards: This card offers 5 points for $1 spent on airfare and prepaid hotel reservations booked on AmexTravel.com. Business Platinum points that are redeemed for a flight with your chosen airline are worth 35% more.
  • Big initial bonus: The American Express Business Platinum Card offers 75,000 points to new cardholders who spend $15,000 in the first three months.
  • Unimpressive base rewards rate: This card will get you 1 point per $1 spent on most purchases – and that’s not anything to brag about. For big purchases ($5,000 or more) you will earn 1.5 points per $1.
  • Lounge access: The Amex Express Business Platinum Card will give you access to the Global Lounge Collection. This will get you access to more than 1,000 airport lounges across over 120 countries. This is a nice perk for frequent travelers that could help smooth out the annual fee.
  • Travel perks: You’ll be eligible for up to $200 per year in statement credits for incidental fees charged by your chosen airline. Aside from that, the Amex Business Platinum card will cover the cost of applying for TSA Precheck or Global Entry.
  • Automatic Gold status: You’ll earn automatic Gold status in the Hilton and Marriot loyalty programs. This is a great perk that can go a long way if you enjoy Hilton and Marriot properties.
  • Credits for U.S. Dell purchases: Amex Business Platinum gets you up to $100 in statement credits for U.S. Dell purchases twice a year. This benefit can be great for businesses.
  • No financing purchases: This is a charge card, which means you’ll have to pay your bill in full every month to continue making purchases. This is common for business credit cards.
  • No foreign transaction fees: Save money when you travel internationally with no foreign transaction fees.

Bottom line: This card can be great for business travelers who travel frequently, want luxury perks and don’t mind paying for pleasure.

Additional Information

Spend some time reviewing the last details on the The Business Platinum Card® from American Express.

  • Max Late Fee $39 or 2.99% of the past due amount, whichever is greater
  • Max Overlimitfee Not Applicable
  • Max Penalty Apr 29.24% (V)
  • Grace Period 25 days
  • Online Response Yes
  • Cash Advanceapr Not Applicable
  • Cash Advancefee Not Applicable
  • Foreigntransaction Fee 0%
  • Smart Chip Yes, chip-and-PIN
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

Related Credit Cards:

If you are interested in the American Express Credit Card, check out the following credit cards as well:

Capital One® Platinum Credit Card
Applied Bank® Unsecured Classic Visa® Card
American Express Blue Business Cash™ Card
Capital One® SavorOne® Cash Rewards Credit Card

DollarGeek serves as an independent comparison service. Our team works hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (such as the order in which they appear and where they are on the page). The team at DollarGeek tries to present a wide array of offers, but our offers do not represent all financial services companies or products.

Regardless of whether an offering institution is a paid advertiser, the presence of offer information on DollarGeek does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.

Last Updated: Mar 17th, 2020 at 03:08 PT

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