The Business Platinum Card from American Express

Compare Edit data

American Express · American Express · business · Amex Membership Rewards

American Express Business Platinum AMEX

Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.

$895

annual fee

foreign txn fee

$1,529

credits/yr realistic ($3,429 face)

$6,000

sign-up bonus ≈ 300000 points after $20,000/3mo

Earning

Airfare (booked direct) Flights and prepaid hotels booked through AmexTravel.com	5x	10%
Amex Travel portal (Issuer travel portal)	5x	10%
Electronics stores 2x on U.S. construction materials & hardware suppliers, electronic goods retailers, software & cloud providers, shipping providers, and any purchase of $5,000+ (to $2M/yr) up to $2,000,000/year, then 1x	2x	4%
Software & cloud up to $2,000,000/year, then 1x	2x	4%
Shipping up to $2,000,000/year, then 1x	2x	4%
Home improvement up to $2,000,000/year, then 1x	2x	4%
Everything else	1x	2%

Right column: value per $ at travel valuation (2¢/pt). Statement credit ~0.6¢ (1.1¢ via Schwab Platinum). Travel value assumes airline transfers.

Credits

$200 Airline incidental fee credit /year · medium to use · enrollment required
Fees on one selected airline
$600 Hotel credit (Amex Travel) /year · medium to use
$300 semiannual on prepaid FHR / Hotel Collection bookings via Amex Travel
$219 CLEAR Plus credit /year · medium to use · enrollment required
CLEAR Plus membership
$200 Hilton for Business credit /year · hard to use · enrollment required
Hilton for Business bookings
$1,150 Dell credit /year · hard to use · enrollment required
Up to $1,150 at Dell Technologies (with $5,000+ Dell spend; enrollment required)
$250 Adobe credit /year · hard to use · enrollment required
Adobe Creative Solutions (with $600+ spend)
$360 Indeed credit /year · hard to use · enrollment required
$90 per quarter on Indeed hiring
$120 Wireless credit /year · easy to use · enrollment required
$10/month on U.S. wireless telephone services
$300 ChatGPT Business credit /year · medium to use · enrollment required
ChatGPT Business subscription
$120 Global Entry / TSA PreCheck /every 4 years · easy to use · enrollment required
Fee reimbursement

Benefits

No foreign transaction fees
Centurion Lounges, Delta Sky Club (10 visits/yr), Priority Pass Select, Escape, Plaza Premium
Marriott Bonvoy Gold and Hilton Honors Gold
Transfers to ~20 partners
35% points back on Pay with Points flights (selected airline / business+first), up to 1M points/yr
Cell phone protection — Up to $800 per claim, 2 claims/yr, $50 deductible

Protections

purchase protection	90 days, up to $10,000 per occurrence / $50,000 per year
extended warranty	+1 year on warranties of 5 years or less
return protection	90 days, up to $300 per item / $1,000 per year
trip cancellation	Up to $10,000 per trip / $20,000 per year
trip delay	Up to $500 per trip after 6 hours (2 claims per year)
lost luggage	Up to $2,000 checked / $3,000 combined
rental car	secondary
cell phone	Up to $800 per claim, 2 claims per year, $50 deductible

Notes

WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/the-business-platinum-card-from-american-express/: $895, 5x Amex Travel, 2x business categories/$5k+ purchases, credits: $200 airline, $600 hotel, $219 CLEAR, $200 Hilton for Business, $1,150 Dell, $250 Adobe, $360 Indeed, $120 wireless, $300 ChatGPT; 300k after $20k; no FTF (Bankrate, Apr 2 2026). Protections still from model knowledge.

Verified 2026-09-08 · confidence high · sources: 1, 2