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It’s The Best Time Of The Year To Get The Amex Platinum Business Card. Triple Dip The Credits Plus Lock In The Lower Annual Fee.

- Dec 13, 2021 Credit Card Info1 comment

This time of the year is the best time to get an Amex Platinum Business card as you can triple dip the annual credit while only paying the annual fee once. 

Here is how

Once the annual fee is charged to your card, you have 30 days from when the next billing cycle ends to cancel the card, and not have to pay the annual fee.

This makes the beginning of December the best time of the year to apply for a Platinum card

Applicants that apply now can earn a total of $600 in airline incidental fee credits, while only paying the annual fee once. 

Here is how:

  • Earn $200 from now till January 2022
  • Earn $200 from January 2022 till January 2023. 
  • Mid-December (2022), you will be charged the second annual fee
  • Collect $200 in January 2023. 
  • Cancel the card mid-January (2023) to avoid paying the second annual fee!

Because you have 30 days (after you’re billed) to cancel the card, you can still collect $200 in January 2023. 

The same thing will be true with the $400 Dell credit. If you apply today for the Amex Platinum Business card you can maximize a total of $800 worth of Dell credits while only paying the annual fee once! 

Here is how

  • Earn $200 from today till the end of December 2021
  • Earn $200 from January till June 2022 
  • Collect $200 from June till the end of December 2022
  • Final $200 in January 2023, before you cancel the card.

On an interesting note, the same seems to go for the $179 Clear credit. The credit is per calendar year. If you apply today for the Amex Platinum Business card you can maximize a total of $537 worth of Clear credits, triple dipped.

Here is how

  • $179 from now till the end of December 2021
  • $179 Clear credit in 2022
  • Get $179 again in 2023 (sign up a spouse or friend).

You can also play it the other way around

  • Use one $179 Clear credit now till the end of December 2021 to signup a spouse or friend
  • Get another $179 Clear credit in 2022 for you
  • Get $179 again in 2023 for your second year of Clear


Lock in the lower annual fee

In October, Amex announced that the annual fee will be going up to $695 starting on 01/13/22 (currently $595). If you get the Amex Platinum Business  card today you can still lock in the lower annual fee!

Great welcome bonus

The welcome bonus is currently pretty mega as well. With the current offer, you will earn 120,000 points after spending $15,000 within the first 3 months. Plus get intro 0% APR for 12 months on purchases.


All this should make today the perfect time to get the Amex Platinum Business card. You triple the annual credits! Lock in the lower annual fee! Plus, get a great welcome bonus! 

Get yours today >>

Card Details
Welcome Bonus

Earn 120,000 points after spending $15,000 within the first 3 months. Intro 0% APR on you PayOverTime purchases for up to 12 months (after that 14.24% - 22.24% variable). (terms apply).


- 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 construction material, hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers.

- 1 point everywhere else

Foreign Transaction Fee

No foreign transaction fee.

Authorized User Fee

Platinum level $300, Gold level $45, Green level $0

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.


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 $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.

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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  1. Any NLL links pulling 150k?


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