Select Page

The Business Platinum Card from American Express

Stay updated on new credit card offers

welcome offer

Earn 120,000 points after spending $15,000 within the first 3 months. See rates and fees

Bonus Value

Approximately $1200 - $1560

Annual Fee

Card Rewards

5 points on flights and prepaid hotels booked on Amex travel

1.5 points on credit card swipes totaling $5,000 or more and for swipes at US construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers.

1 point everywhere else

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

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!

Card-Smart Tips & Advice
  • 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)
  • Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
  • 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)

96% Approved
740 Avg. Score of those approved
4% Denied
Approved 96% (27)
Denied 4% (1)
Credit limit rangeN/A
Approved 96% (27)
Denied 4% (1)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Welcome Offer Eligibility
You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application. 
Card Details And Benefits
Rewards

– 5 points on flights and prepaid hotels booked on Amex travel
– 1.5 points on credit card swipes totaling $5,000 or more and for swipes at US construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers.
– 1 point everywhere else

Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

Complimentary Hilton Gold Status.

Marriott Gold Status.

National Emerald Club Executive Status.

Avis Preferred Club Status (publicly available).

New! Hertz President Circle. Plus get an extra 4 hours to return your car (For the 4-hour grace period you need to use the Amex Platinum CDP )

Credits

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.

Extra Redemption Value

Earn 35% of your points back when you book an eligible flight on Amex travel using your membership reward points (up to 1,000,000 points back per calendar year).

Global Entry and TSA pre-check

Get a statement credit for Global Entry or TSA Pre-Check every 4-4.5 years.

Lounge Access

Access to 1,200+ airport lounges, with a complimentary membership to Priority Pass Select:

Centurion Lounges

AirSpace Lounges

Escape Lounges

Delta Skyclub lounges (when flying Delta)

Select Lufthansa lounges (when flying Lufthansa, Austrian Airlines, or Swiss)

Trip Cancellation Insurance

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.

Auto Rental Collision Insurance

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.

Lost Luggage Reimbursement

Get covered for lost or damaged luggage up to $2,000 per person for checked baggage and up to $3,000 per person for checked and carry-on baggage combined. Max $10,000 per trip for NY residents.

Trip Delay Reimbursement

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.

Return Protection

Max $300 per claim, max $1,000 per year.

Extended Warranty Protection

Get one additional year to your original manufacturer's warranty time. Max $10,000 per claim, $50,000 per year.

Cell Phone Protection

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.

Purchase Protection

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.

How can the points be redeemed?

Cashback: The following are your options for redeeming Amex Points for cashback:

Amex Travel: You can use your points to book airfare, hotels, car rentals, and more on Amex Travel. You will get 1 penny per point for flights and 0.7 cents per point towards all other travel.

With The Business Platinum Card from American Express you can get 35% of your points back when booking a flight on Amex  (up to 1,00,000 points back per calendar year).

In order to qualify for the 35%  points back promo, the flight needs to be one of the following: 

  1. Flights booked on your preferred airline – this is a single airline you choose once a year in January as your preferred airline. You can choose any of the following U.S. airlines:
  • American
  • Southwest
  • United
  • Delta
  • JetBlue
  • Alaska
  • Frontier
  • Hawaiian
  • Spirit
  1. You will also receive a 35% rebate when you book a first or business-class ticket on any airline (regardless of the airline you choose as your preferred airline)

Transfer to airline and hotel programs:  You can transfer your points to any of the following Amex Travel partners.

Airline partners:

Transfer Ratio Transfer Time
Aer Lingus, AerClub 1:1 Instant
AeroMexico 1:1.6 2-12 days
Air Canada 1:1 Instant
ANA 1:1 3 days
Air France/KLM 1:1 Instant
Avianca LifeMiles 1:1 Instant
British Airways 1:1 Instant
Cathay Pacific 1:1 Up to 1 week
Delta Airlines 1:1 Instant
Emirates 1:1 Instant
Etihad Airways 1:1 Instant
Hawaiian 1:1 Instant
Iberia 1:1 1-3 days
JetBlue 1:0.8 Instant
Qantas 1:1 Instant
Singapore Airlines 1:1 1-2 days
Virgin Atlantic 1:1 1-2 days

Hotel partners:

Ratio Transfer Time
Choice Privileges 1:1 Instant
Hilton Honors 1:2 Instant
Marriott, Bonvoy 1:1 Instant

Additional Resources

Targeted Offers

These links may have higher targeted offers. (You can try the links through incognito tabs or different browsers).
Please note, these links are not affiliated links and we do not earn commission through applications submitted via these links. Please only use these links if you have been targeted for a higher offer.

*No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

People also viewed:

Ink Business Preferred

Chase Sapphire Preferred

United Explorer

Chase Sapphire Reserve

Citi Premier Card

Ink Business Cash

Spark Miles Business

Venture Rewards

United Business

Miles & More

Amex Gold Delta

Amex Platinum Delta

Barclays Aviator

Barclay Aviator Business

Amex Hilton Surpass

Hilton Honors Business

AAdvantage Platinum Business

Citi AAdvantage Platinum

Alaska Airlines Visa

Alaska Airline Business

JetBlue Business

JetBlue Plus

Hawaiian Airlines

Hawaiian Business

Premium Rewards Card

Chase Freedom Unlimited

Amex Gold

Citi Prestige

Amex Platinum

Customized Cash Rewards

Citi Costco Anywhere

Wells Fargo Propel

Southwest Premier

Southwest Priority

IHG Premier

Marriott Bonvoy Boundless

Amex Cash Magnet

Gold Delta Business

Platinum Delta Business

Travel Rewards Business

Business Cash Rewards

Avianca Vida

Avianca Vuela

Southwest Rewards Plus

Amex Gold Business

U.S. Bank Business Leverage

United Club Infinite

British Airways

Aer Lingus Visa

Marriot Bold

Iberia Visa

World of Hyatt

IHG Rewards Traveler

Radisson Rewards

Amex Green

Marriott Bonvoy Brilliant(R)

Hilton Aspire

Delta Reserve

Business Green Rewards

Delta Blue

Delta Reserve Business

Priceline Rewards

Wyndham Rewards

Wyndham Rewards

Walmart Rewards

Marriott Bonvoy Business®

SparkMiles Select Business

Costco Anywhere Business

Expedia Voyager

Expedia Rewards

AAdvantage Executive Club

AAdvantage MileUp

Altitude Reserve Infinite

FlexPerks Gold

Customized Cash Rewards Secured

Asiana Airlines

Virgin Atlantic

Amtrak Guest Rewards

Sonesta

Air France KLM

Allegiant

Spirit Airlines

Norwegian Cruise Line

Discover It Miles

Hilton Honors

Verizon Visa

Freedom Flex

Emirates Skywards Rewards

Emirates Skywards Premium

United Gateway

Wyndham Earner Business

Wyndham Earner

Wyndham Earner Plus

Southwest Performance Business

Southwest Business Premier

RCI Elite

Fly Card Preferred

Amex Platinum Schwab

Free Spirit® Travel

United Quest Card

Frontier

JetBlue

Altitude Connect

Choice Privileges

Citi Custom Cash

United Club Business

Morgan Stanley Platinum

TD Business Solutions

World Of Hyatt Business

Business Customized Cash

Priceline VIP Rewards

Amex Platinum

Premium Rewards Elite

IHG Premier Business

Bilt Mastercard

Brex Cash

Wells Fargo Autograph

Ink Business Premier

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

See rates and fees

Download link sent
succesfully

Got it *please check your promotional inbox

Error sending download link

Try Again