The Business Platinum Card from American Express

Earn rates · how we got this

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. Amex advertises this as 'as high as' — the offer is targeted and varies by applicant; many see a lower bonus. Check your personal offer before applying. Bonus figure confirmed on the issuer's page 2026-09-14.

Statement credits — $2,249/yr on paper · how we got this

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? · how we got this

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.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:

• Anyone who doesn't spend at American Express Travel (amextravel.com). Its largest printed rate, 5x on flights, pays only at American Express Travel (amextravel.com). Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
• Anyone who won't work the statement credits. The $895 fee is argued for by $2,249 of printed credits, spread across 8 separate credits, 3 of them monthly or quarterly — an unused month is gone, not banked, and 5 that must be enrolled in before they pay. Each one only pays if you were going to spend that way anyway; ignore them and the whole $895 has to come back through earn rates instead.

Compared head-to-head

• The Business Platinum Card from American Express vs Capital One Venture X Business — which earns more?
• The Business Platinum Card from American Express vs American Express Business Gold Card vs Blue Business Plus Credit Card — all three side by side

Don't want the fee any more?

The Business Platinum Card from American Express can normally be product-changed to three 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? →

More from American Express

• The Platinum Card from American Express $895/yr
• The Platinum Card from American Express Exclusively for Charles Schwab $895/yr
• The Platinum Card from American Express Exclusively for Morgan Stanley $895/yr
• The Plum Card $250/yr
• Amazon Business Prime American Express Card
• American Express Business Gold Card $375/yr

All American Express cards →