The Business Platinum Card from American Express
$895 annual fee · $2,249/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1x | uncapped |
| Flights at American Express Travel (amextravel.com) only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
Signup bonus: 300,000 points after $20,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $2,249/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Prepaid Hotel Credit (Fine Hotels + Resorts / The Hotel Collection) | $600/year | twice a year |
| Hilton for Business Credit | $200/year | quarterly · enrollment required |
| Airline Fee Credit | $200/year | annual |
| CLEAR+ Credit | $219/year | annual |
| ChatGPT Business Credit | $300/year | annual · enrollment required |
| Adobe Credit | $250/year | annual · enrollment required |
| Indeed Credit | $360/year | quarterly · enrollment required |
| Wireless Telephone Credit | $120/year | monthly · enrollment required |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Spend-gated credits
- Dell Technologies Credit
- American Express One AP Credit
- Amex Travel Online Flight Credit
These require qualifying spend or status, so we exclude them from every total.
Non-cash perks
- Global Lounge Collection: 1,550+ airport lounges including The Centurion Lounge
- 10 complimentary Delta Sky Club visits per year on eligible Delta flights
- Priority Pass Select membership (enrollment required)
- Marriott Bonvoy Gold Elite Status (enrollment required)
- Hilton Honors Gold Status (enrollment required)
- Leaders Club Sterling Status with The Leading Hotels of the World (enrollment required)
- Complimentary elite status with Avis, Hertz, National car rental programs
- Car Rental Loss and Damage Insurance
Does the fee earn out?
The printed statement credits ($2,249/yr) cover the $895 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $895 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
Don't want the fee any more?
The Business Platinum Card from American Express can normally be product-changed to 3 lower-fee cards in the American Express Membership Rewards (business) family instead of being closed — which keeps the account, its age and its credit line.
What does The Business Platinum Card from American Express downgrade to? →
Comparing cards in the same currency? See the best cards that earn Amex Membership Rewards →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.americanexpress.com · thepointsguy.com · www.americanexpress.com. Spot an error? Tell us.