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welcome offer

Earn 100,000 points after spending $15,000 within 3 months (terms apply). See rates and fees

Bonus Value

Approximately $1500*

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

1 point everywhere else

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 Amex Platinum Business card 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 $200 in statement credits annually for purchases at Dell ($100 credits twice a year). 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)
  • 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
  • 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.

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

100% Approved
774 Avg. Score of those approved
0% Denied
Approved 100%
Denied 0%
Credit limit rangeN/A

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
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).

Hertz Gold Plus status, plus, get free upgrades, an extra 4 hours to return your car, and one free additional driver.

Credits

Get a $200 airline incidental fee credit each calendar year.

Get up to $200 in statement credits annually for purchases at Dell ($100 credits twice a year).

New! Get a $179 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 500,000 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 up to $2,000 per person for lost or damaged luggage. 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.

Covid-19 Temporary Benefits

  • Call Amex for possible great retention offers at 1-800-452-2945 ($0-$550)
  • Earn 4 Bonus Membership Rewards on US wireless purchases, on purchases made on US shipping, on purchases made on US advertising, on purchases made on US gas, and on purchases made on US office supplies. Enroll at Amex offers.
  • Starting 01/10/21, Receive a complimentary night or a $150 credit or more, after you book through Amex Travel for an eligible stay at participating Hotel Collection Properties. Terms apply.
  • Starting 01/10/21, Receive a complimentary night or a $250 credit or more, after you book through Amex Travel for an eligible stay at participating Fine Hotels and Resorts. Terms apply.
  • Starting 01/10/21, Receive up to 20% discounts on select routes, fares, and seats, with participating airlines booked 01/10/21-03/31/21. for travel valid through 05/31/21. Terms apply.

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

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Venture Rewards

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Miles & More

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Hilton Honors Business

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Citi AAdvantage Platinum

Alaska Airlines Visa

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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

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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

Amex Marriott Brilliant

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

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Citi Custom Cash

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Citi Premier Card

Citi Premier Card

*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.

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