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The Business Platinum Card from American Express is a super luxury business card. You will earn 5 points on travel booked with Amex travel. and 1.5 points on purchases of $5,000 or more. Plus get 35% of your points back when you book an eligible flight on Amex travel using your Membership Reward points (up to 500,000 points back per calendar year). Extra luggage fee? Upgrade fee? No worries, the card comes with a $200 incidental credit each calendar year. Some great travel benefits include Global Entry, TSA precheck, complimentary Hilton and Marriot Gold status, and free access to over 1,200 airport lounges worldwide. You will get up to $400 in statement credits annually for purchases at Dell ($200 credits twice a year), a $120 wireless credit, and many more credits (see details below). The card also has many great travel and purchase protections like return protection, baggage insurance, and more!
- Credit: Good credit needed
- Step by step guide how on to apply without an LLC or C-Corp
- Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards.
- Max cards: You can only get approved for up to-and including- 10 Amex No Preset Spending Limit* cards. (This rule is not always enforced)
- Not reported on personal credit reports: Amex will not report business credit cards on personal credit reports
- Credit bureau: Amex will usually pull your Experian credit report
- Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
- Check application status: You can check your application status here or call 1 800 567 1083
- Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex Platinum physical cards will automatically be expedited and delivered overnight.
- Downgrade options: The Amex Business Platinum card can be downgraded to the Amex Business Gold ($295) or to the Amex Business Green ($95). Please note, it is not recommended to downgrade an Amex card before 12 months of account opening.
Approval Monitor (submitted by HelpMeBuildCredit users)
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No foreign transaction fee.
Complimentary Hilton Gold Status.
Marriott Gold Status.
National Emerald Club Executive Status.
Avis Preferred Club Status (publicly available).
Hertz Gold Plus status, plus, get free upgrades, an extra 4 hours to return your car, and one free additional driver.
Get a $200 airline incidental fee credit each calendar year.
Enhanced! Get up to $400 in statement credits annually for purchases at Dell ($200 credits twice a year).
New! Get $360 indeed credit per year. Get up to $90 each quarter for purchases made at Indeed.
New! Get $150 credit annually for an Adobe subscription.
New! Get a $120 credit for wireless purchases. Get up to $10 per month on wireless purchases made on your card.
Get a $189 CLEAR statement credit per year.
Earn 35% of your points back when you book an eligible flight on Amex travel using your membership reward points (up to 500,000 points back per calendar year).
Get a statement credit for Global Entry or TSA Pre-Check every 4-4.5 years.
Access to 1,200+ airport lounges, with a complimentary membership to Priority Pass Select:
Delta Skyclub lounges (when flying Delta)
Select Lufthansa lounges (when flying Lufthansa, Austrian Airlines, or Swiss)
Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $10,000 per person per trip, $20,000 per year for non-refundable travel expenses including flight tickets, hotels, and more.
Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $75,000. You can purchase a premium plan from Amex that will offer primary coverage up to 42 days. Max $100,000.
Get up to $2,000 per person for lost or damaged luggage. Max $10,000 per trip for NY residents.
If your flight is delayed for 6+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items. Up to 2 claims per year.
Max $300 per claim, max $1,000 per year.
Get one additional year to your original manufacturer's warranty time. Max $10,000 per claim, $50,000 per year.
Get reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone is damaged or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Platinum Business credit card. Max 2 claims per year.
Get refunded if your purchase is damaged, lost, or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.