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The American Express Business Platinum Card® is known for its luxury travel perks, generous rewards, and exclusive benefits. It is designed for business owners who travel frequently and want access to over 1,400 airport lounges worldwide. While it charges an annual fee of $695, you can take advantage of over $1,000 in special discounts on various business tools. Keep in mind that balance transfers and cash advance transactions are not allowed.
If you wish to compare one card over another, simply choose a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
When grading travel rewards business credit cards like the American Express Business Platinum Card®, we first consider the ongoing and introductory rewards. We also take into account the travel perks offered, annual fee, introductory and ongoing annual percentage rates (APRs), and other fees.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 25 |
Introductory Rewards | 25 | 25 |
Features | 10 | 10 |
Annual Fee | 3 | 10 |
Other Fees | 8 | 10 |
Introductory APR | 0 | 10 |
Ongoing APR | 5 | 10 |
Total Score | 76 | 100 |
Who the American Express Business Platinum Card® Is Best For
- Business owners who travel frequently: It offers premium rewards points on travel and hotel bookings.
- Business owners who need luxury travel perks: You can enjoy travel perks like airport lounge access, airline fee credits, and upgraded status for Marriott BonvoyTM and Hilton Honors.
- Business owners who can pay their monthly balances in full: Unless you’re eligible for the Pay Over Time feature, you must pay your balance in full each billing cycle.
American Express Business Platinum Card® is our top business credit card with airport lounge access. If it’s not right for you, check out our recommended alternatives below to find a more suitable option.
American Express Business Platinum Card® Rewards
- 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases within the first three months after opening an account
- 5x Membership Rewards® points on flights and prepaid hotels booked through amextravel.com
- 1.5x Membership Rewards® points per dollar (up to $2 million of these purchases per calendar year) for eligible purchases in key business categories, including:
- US construction material and hardware suppliers
- Electronic goods retailers
- Software and cloud system providers
- Shipping providers
- Purchases of $5,000 or more everywhere else
Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1x Membership Rewards® points on all other eligible purchases
Rewards Calculator
Use our rewards calculator below to figure out how much you can earn from American Express Business Platinum Card®. You can calculate your potential rewards based on your projected annual expenses—just enter your expected expenditures, and our calculator will do the rest.
The value of American Express Membership Rewards® points ranges from $0.005 to $0.01 per point, depending on how they are redeemed. For this calculator, we compute points rewards based on the minimum value of $0.005.
How to Redeem Rewards
- Visit American Express’s website
- Choose your preferred rewards from the redemption options (listed below)
- Follow the prompts to complete your redemption
Alternatively, you may call 888-721-1046.
- You can redeem your points as a statement credit—you need at least 1,000 points in your account so that you can apply them to pay for charges on your credit card statement.
- You can also use your points at checkout to pay for purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other retailers.
- You can even redeem your rewards for gift cards from different merchants or transfer points to American Express partner loyalty programs, such as those offered by airlines and hotels.
American Express Business Platinum Card® Additional Features
- The Global Lounge Collection: Access over 1,400 airport lounges across 140 countries.
- Airline fee credit: Receive up to $200 airline fee credit per year for baggage and other expenses on your selected qualifying airline.
- CLEAR® Plus credit: Pay your CLEAR Plus membership using the card, and receive up to $199 in statement credits per year.
- Fine Hotels + Resorts® program: Receive an average total value of $600 in perks with Fine Hotels + Resorts®.
- Global Entry or TSA PreCheck®: Receive a statement credit every
- four years after you apply for Global Entry ($100); or
- four-and-a-half years after you apply for TSA PreCheck® ($85)
- Marriott BonvoyTM Gold Elite Status: Upgrade to Marriott BonvoyTM Gold Elite status automatically without meeting any stay requirements.
- Hilton Honors Gold Status: Become an automatic Hilton Honors Gold Status member, enjoy benefits at hotels and resorts within the Hilton Portfolio, and earn reward stays with Hilton Honors Bonus Points.
- Dell Technologies: Get up to $400 statement credit per year when you use your card to purchase from Dell Technologies.
- Indeed: Receive up to $360 in statement credits per year for purchases with Indeed using your card.
- Adobe Creative Solutions: Enjoy up to $150 in statement credits per year for eligible annual prepaid business plan purchases with Adobe on Creative Cloud for teams or Acrobat Pro DC with e-sign for teams.
- Wireless Credit: Take advantage of up to $120 credits per year for wireless telephone services purchased directly with a United States wireless provider.
- Account management tools: Take advantage of the account management tools available with your card, including mobile device apps, desktop programs, and QuickBooks integration. They can help enhance your cash flow operations and let you manage your cards from your desktop and mobile devices.
- Year-end summary: Receive online year-end summaries and view your purchases made from January 1 to December 31 of the prior year.
- Vendor pay by BILL: Take advantage of the waived monthly fee for the first user with the Basic plan; the second user can use the system for free for the first six months, then a fee of $15 per month will be charged. Learn more about the billing and invoicing solution through our review of BILL.
- Car rental loss and damage insurance: Receive car rental loss and damage insurance of up to $50,000 per rental agreement for the first 30 days of a vehicle rental.
- Purchase protection: Get reimbursed for items purchased using the card in case they’re damaged or stolen within 90 days of the date of purchase, up to $10,000 per claim and $50,000 per card member per year.
- Extended warranty protection: Receive extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- Baggage insurance plan: Get protected with baggage insurance for lost, damaged, or stolen baggage; receive up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage.
- Trip delay insurance: Get covered if your trip is delayed for more than 6 hours if you purchase a round-trip entirely using your card.
- Trip cancellation and interruption insurance: Purchase your round-trip using your card to get covered when your trip is canceled or interrupted due to an eligible reason.
- Cell phone protection: Get reimbursed for the repair or replacement costs of your mobile device following damage or theft for a maximum of $800 per claim, with a limit of two approved claims per 12-month period. Note that a $50 deductible will apply to each approved claim.
American Express Business Platinum Card® Fees
APR
- Introductory: None
- Ongoing: 18.99% to 27.99% variable, which adjusts based on Prime Rate (this only applies to purchases eligible for the Pay Over Time feature)
- Penalty: 29.99% variable, which adjusts based on prime rate—will be applied to your account if you do one of the following:
- Make two or more late payments within a 12-month period
- Don’t pay the minimum payment due by the closing date of the billing period and still don’t pay it by the closing date of the next billing period
- Make a returned payment
Fees
- Annual: $695
- Balance transfer: Transfers not allowed
- Foreign transaction: None
- Cash advance: Cash advances not allowed
- Late payment: $39 or 2.99% of any past due pay in full amount, whichever is greater
- Returned payment: $39
- Direct bank payment: Pay your bills automatically via direct debits, so you don’t have to worry about missing due dates. Provide your bank account details to American Express and let them know the monthly amount you’d like to pay.
- AutoPay: Enroll in AutoPay through your American Express online account. Note that your first AutoPay payment may not be applied to your current billing cycle, and you would need to make your usual payments until your AutoPay begins.
- Online: Make a payment through your American Express online account anytime. Simply choose your payment account and select your bank account and payment date. Note that credit cards and debit cards cannot be accepted as a form of payment.
- Mobile app: Download the Amex Mobile App and enjoy the convenience of paying your bills on the go, anytime.
- Mail: Mail your payment either by check or money order made payable to American Express. Ensure to include your account number at the front of your payment.
Class Mail
American Express
PO Box 650448
Dallas, TX 75265-0448
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
American Express Business Platinum Card® Alternatives
card_name
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
It lets you earn 5x miles when you book hotel stays and car rentals through Capital One Travel and 2x miles on all other purchases. You can redeem your rewards for flights, hotel stays, vacation packages, and more, and even transfer them to any of Capital One’s 15-plus travel partners. Plus, it comes with a $0 annual fee for the first year, then $95 thereafter. These are why it is our leading business card for miles.
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$350
Credit Needed
Excellent, Good
- Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Pros
- $0 foreign transaction fee
- In-flight savings
- Business management tools
Cons
- Charges an annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$350
Credit Needed
Excellent, Good
- Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Pros
- $0 foreign transaction fee
- In-flight savings
- Business management tools
Cons
- Charges an annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
If you prefer to fly with Delta Air Lines primarily, then this card is your best bet. For an annual fee of $350, you can earn premium rewards that can be used for free flights and seat upgrades. It also comes with additional travel benefits, including one free checked bag per flight, up to $100 credit for Global Entry or TSA PreCheck® every 4 to 4.5 years, priority boarding, and $0 foreign transaction fees. While it does not provide free access to the Delta Sky Club® lounges, it is one of our best business credit cards for travel because of those perks.
U.S. Bank Business AltitudeTM Connect World Elite Mastercard®
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
N/A
Regular APR
19.49% - 26.49% Variable
Annual Fee
$0 Intro Annual Fee for the first year, $95 therafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Intro APR
N/A
Regular APR
19.49% - 26.49% Variable
Annual Fee
$0 Intro Annual Fee for the first year, $95 therafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
This card lets you access over 1,300 airport lounges worldwide through its Priority PassTM Digital annual membership, with four complimentary passes per year. On top of that, it lets you earn 2x to 5x points on your purchases. Plus, it features the ExtendPay® Plan Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening. , which lets you pay off your eligible balance without interest, for only a small monthly fee.
Frequently Asked Questions (FAQs)
You can redeem your points rewards for travel by booking your travel through amextravel.com. You can also transfer your points to participating frequent flyer or hotel loyalty programs. On top of that, you can redeem your points for gift cards from more than 100 restaurants, retailers, and travel partners. Plus, you can use your points to cover the travel expenses you already charged on your card.
The Pay Over Time option is a feature that lets you carry a balance with interest on eligible purchases. You will have a Pay Over Time limit, which determines how much charges you can carry to the next billing cycle. Balances that are excluded from Pay Over Time should be paid in full.
The American Express Business Platinum Card has no preset spending limit, which means your spending limit is flexible. The amount you can spend adapts based on your purchase history, payment behaviors, and credit score.
Bottom Line
The American Express Business Platinum Card® is optimal for business owners who travel frequently and enjoy premium travel rewards and perks. These perks justify the high annual fee of $695. What’s more, you can earn premium rewards and a generous welcome offer when you meet the spending requirements.
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