American Express Business Platinum Card® Review 2019

The American Express Business Platinum Card® is a points rewards charge card that has no interest charge because you’re required to pay your balance in full monthly. It offers 75,000 bonus points when you spend $20,000 in the first three months, 5x points on flights and hotels, and carries a $595 annual fee.

In comparison, some of the best business credit cards provide up to 5x points on purchases, up to 80,000 bonus points, and an introductory no-interest period of nine months. This American Express business credit card offers the maximum rewards of 5x points. Plus, you’ll never be charged interest because it’s a charge card that you’ll need to pay in full monthly. We rate this card 5 stars out of 5 stars.

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How We Evaluated the American Express Business Platinum Card®

The American Express Business Platinum Card® is an excellent travel rewards card. While you’ll pay no interest since it’s a charge card, this is an expensive option as it carries an annual fee of $595 and an additional $300 per employee card, which is much higher than similar cards in the same category. However, business owners can offset this fee by earning 5x points and receiving a $200 airline fee statement credit each year.

Based on the wants and needs of business owners, we considered the following criteria to evaluate this card:

• Ongoing rewards: The reward points you’ll earn while using the American Express Business Platinum Card®. This small business credit card earns 5x points on flights and prepaid hotels booked on amextravel.com. Cardholders can also earn up to a $200 airline credit a year for baggage fees and more.
• Introductory rewards: The points you can earn by meeting a minimum spending requirement over the course of the first few months of your account. The American Express Business Platinum Card® offers up to 75,000 bonus points after spending $20,000 in the first three months.
• Annual fee: How much you’ll pay each year to own the card. The American Express Business Platinum Card® charges $595 annually.
• Additional benefits: Whether the card comes with free perks that may increase its value. This American Express business credit card offers valuable perks like purchase and return protection, premium roadside assistance, and extended warranty protection.
• Intro APR: Whether the card offers an 0% APR introductory period on purchases or balance transfers. The American Express Business Platinum Card® is a charge card, which means it carries no interest and needs to be paid in full every month.
• Ongoing APR: The cost of financing any purchases you make using your card. Since this is a charge card, there is no interest since you need to pay it off each month.

The features and perks it provides are unbeatable and unrivaled among small business credit cards. This card isn’t for everybody, but for the business owner who travels a lot and can take advantage of the premium perks, it’s an excellent choice.

How We Evaluate Points Rewards Business Credit Cards

When grading points rewards business credit cards like the American Express Business Platinum Card®, we weight ongoing and introductory rewards heaviest. We also take into account the annual fee, introductory and ongoing APRs, and card benefits. This American Express business credit card is a charge card, so it has no ongoing APR because it’s due in full monthly.

We graded the American Express Business Platinum Card® using the following methodology:

Based on our 5-star rating system, where 20 points equals one star, the American Express Business Platinum Card® scores above average in the majority of the categories. In cases where cards receive perfect scores in most categories, we may award bonus points to boost the card’s rating.

Our grade of 5 stars on the American Express Business Platinum Card® is appropriate because the additional features and rewards are unlike any other small business credit card. Additionally, it’s important to note that an ongoing APR doesn’t apply to this card because it’s a charge card. With that being said, this is a positive for those cardholders who can afford to pay off their bills every month.

Who the American Express Business Platinum Card® Is Right For

The American Express Business Platinum Card® is best for small business owners who are frequent travelers, charge all their monthly business expenses to their cards, and want to take advantage of premium features. This card must be paid in full every month and isn’t a good option if you think you’ll need to carry a balance.

American Express Business Platinum Card® Costs

The American Express Business Platinum Card® acts like a business charge card. It therefore carries no interest rates because it’s required to be paid off in full on a monthly basis. With an annual fee of $595 and additional employee cards for $300, this American Express business card is an expensive business credit card option in comparison to others on the market.

Financing costs and fees on this American Express business credit card include:

• Introductory APR: None
• Ongoing APR: No APR because it’s a charge card and needs to be paid in full monthly. However, if you use the Pay Over Time feature, the APR is 19.74%, which varies based on the prime rate
• Annual fee: $595
• Balance transfer fee: Transfers are not allowed
• Foreign transaction fee: None
• Cash advance fee: Cash advances are not allowed
• Late payment fee: $39 or 2.99%, whichever is greater
• Returned payment fee: $39
• Penalty APR: None, unless if you use the Pay Over Time feature, in which the APR will be 29.99% (fluctuates with the prime rate)

The American Express Business Platinum Card® has no APR because it’s a charge card that needs to be paid in full month. However, AMEX provides the option to finance large purchases over time at an APR of 19.74%. Conversely, the Chase Ink Business Preferred^SM is a travel rewards credit card, rather than a charge card. What this means is that it carries an ongoing APR between 17.49% and 22.49%, which varies with the prime rate. It’s a much more inexpensive option, as it only carries an annual fee of $95.

American Express Business Platinum Card® Pay Over Time Feature

The Pay Over Time feature offered on the American Express Business Platinum Card® can help alleviate the fact that it’s a charge card. This feature, which allows you to pay eligible charges over time with an APR of 19.74%, is only available by invitation. Once you’re enrolled, American Express will automatically place all eligible charges into a Pay Over Time balance. Any ineligible charges will be held to the pay in full requirement.

If you’re enrolled, your statement will include a Pay Over Time balance. If a statement includes a balance, it will also show a minimum payment due. Your minimum payment due will include the eligible charges that are due in full plus the Pay Over Time minimum due. American Express also offers a similar feature on The Plum Card®, which offers the ability to carry a balance for up to 60 days with no interest.

How to Avoid Paying Interest on the American Express Business Platinum Card®

Since the American Express Business Platinum Card® is a charge card, you will avoid interest charges because the balance is due in full at the end of the month. However, if you’re invited to enroll in the Pay Over Time feature, eligible purchases will always accrue interest until they are fully paid off. With the Pay Over Time option, you can minimize your interest charges by paying off your balance as quickly as possible.

American Express Business Platinum Card® Rewards

The American Express Business Platinum Card® offers introductory rewards up to 75,000 points after spending $20,000 in qualifying purchases within the first three months. On top of that, this card also offers up to 5x points on eligible purchases, a 35% airline bonus, and up to a $200 airline fee statement credit every calendar year.

Introductory Rewards

You will earn the following introductory rewards when using your card:

• 50,000 points: Earn 50,000 Membership Rewards points after you spend $10,000 on qualifying purchases in the first three months.
• Additional 25,000 points: Earn an extra 25,000 Membership Rewards points after you spend an additional $10,000 on qualifying purchases in the first three months.

To put it in perspective, 75,000 American Express points is worth up to $750 in flights, Uber rides, and gift cards, and up to $525 in prepaid hotels. In comparison, the Chase Ink Business Preferred^SM offers up to 80,000 bonus points after you spend $5,000 on purchases in the first three months. That’s up to $1,000 in credit toward travel rewards you can redeem through the Chase rewards portal.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

• 5x points: Get 5x Membership Rewards points on flights and prepaid hotels on amextravel.com.
• 1.5x points: You can get 1.5x Membership Rewards points per dollar for eligible purchase transactions of $5,000 or more.
• 1x points: Earn 1x points on all other purchases.
• 35% airline bonus: Receive 3.5 extra points for every 10 points you redeem for travel through American Express Travel (that’s 35% of your points back), up to 500,000 bonus points per year.
• $200 airline fee credit: Select one qualifying airline and get a statement credit of up to $200 a calendar year for baggage fees and more.
• $200 Dell statement credit: Get up to $100 in statement credits every six months on purchases with Dell for a total of $200 in credits every year.

The 5x rewards offered with the American Express Business Platinum Card® are considered the best in the market. You’ll earn these rewards up to $150,000. To put this in perspective, with the Cash Ink Business Preferred^SM Card, you’ll earn 3x points for every dollar on the first $150,000 spent on eligible purchases. If you redeem your points for travel through the Chase Ultimate Rewards portal, they are worth 25% more.

Rewards Restrictions

The American Express Business Platinum Card® doesn’t reward points for the following purchases:

• Any card associated fees (interest charges)
• Traveler checks
• Buying prepaid cards or reloading prepaid cards
• Any balance transfers or cash advances
• Purchases that you pay for with points
• American Express member services you enroll in
• Gift cards
• Other cash equivalents
• Person-to-person payments

The upside to earning rewards with the American Express Business Platinum Card® is that the points never expire, as long as your account remains active. Reward restrictions here are common across small business credit cards.

How You Can Redeem Your Rewards

There are seven ways to redeem your points with American Express:

• Statement credit: If you have at least 1,000 points in your account, you can apply them to pay for charges on your credit card statement.
• Travel: Redeem a minimum of 5,000 points to book travel on American Express Travel and receive 35% of your points back. You can also transfer points to another frequent flyer program for a fee of 0.0006 cents per point, with a maximum fee of $99.
• Gift cards: Redeem your points for gift cards through www.amexgiftcard.com.
• Amazon.com: After you add your card to your Amazon account and use it at least once, you can use your points on Amazon purchases.
• Ticketmaster: Redeem a minimum of 2,000 points on Ticketmaster to purchase event tickets.
• AXS: Redeem a minimum of 2,000 points on AXS to purchases event tickets.
• Taxi fares: Redeem your points for select taxi fares and tips in New York City.

With the American Express Business Platinum Card®, you can redeem 50,000 points for up to $500 worth of gift cards, flights, and Uber rides and up to $350 worth in prepaid hotels. The Capital One® Spark® Miles for Business card has a similar structure, where 200,000 miles can also be redeemed to cover $2,000 in travel expenses through Capital One.

American Express Business Platinum Card® Features

American Express generally provides some of the best additional card features in the credit card industry. The American Express Business Platinum Card® has a handful of free or affordable additional features. These features include premium roadside assistance, purchase and return protection, extended warranty, travel-related insurance packages, airport lounges, and TSA Pre✓® or Global Entry.

The features the American Express Business Platinum Card® offers are:

Premium Roadside Assistance

American Express Business Platinum Card® members have access to premium roadside assistance for up to four times per year at no additional charge. Available services include going up to 10 miles, winching, jumping your car, tire change if there is a spare, gas delivery up to two gallons, and lockout services.

What’s Covered With the American Express Business Platinum Card® Premium Roadside Assistance

The following services are covered by the roadside assistance:

• Up to 10 miles of towing
• Winching
• Jump starts
• Flat tire change if there’s a spare in good condition
• Lockout service if the key is in the car
• Delivery of up to two gallons of gas

American Express has some of the best premium roadside assistance perks. In comparison, the U.S. Bank Business Select Rewards Card doesn’t provide their cardholders with any included roadside assistance services.

What the American Express Business Platinum Card® Premium Roadside Assistance Excludes

The following vehicles and services are not covered by the roadside assistance:

• Rental vehicles
• Taxis
• Unlicensed vehicles
• Tractors and trucks weighing more than 10,000 pounds.
• Towing of 10 or more miles or any additional services

Unfortunately, American Express won’t cover services for the vehicles listed above. However, this is similar to most competitors. Exclusions here are common across small business credit cards.

Purchase Protection

The American Express Business Platinum Card® provides coverage for purchased items that are damaged or stolen within 120 days of purchase (90 days for New York residents). They will reimburse you for the amount charged to your card. However, the coverage is limited to $10,000 per claim and $50,000 per card member per year.

What’s Covered With the American Express Business Platinum Card® Purchase Protection

The American Express Business Platinum Card® covers purchases made using your American Express business credit card and if they are damaged or stolen within 120 days from the purchase date. This purchase protection coverage is identical to what Chase offers on the Chase Ink Business Preferred^SM (120-day coverage, up to $10,000 per claim).

What the American Express Business Platinum Card® Purchase Protection Excludes

Purchase protection does not cover the following types of purchases:

• Items lost by the card member
• Losses due to normal wear and year
• Consumable and perishable items
• Motorized vehicles and their parts or accessories
• Travelers checks, tickets of any kind, gift cards and certificates, and cash or its equivalent
• Items rented, leased, or borrowed
• Hospital, medical, and dental equipment and devices
• Permanent household fixtures and business fixtures
• Animals or living plants

Both Chase and American Express offer identical purchase protection coverages. Along with what they include, exclusions here are common when comparing both cards. Exclusions are similar among all small business credit cards.

Return Protection

If you try to return an eligible item within 90 days from your purchase date and a store won’t take it back, American Express may refund the purchase price. They limit the refund up to $300 per item and $1,000 per card member account every year. Items are eligible if they are in the original condition you bought them in and they can’t be returned to the original store.

What’s Covered With the American Express Business Platinum Card® Return Protection

The American Express Business Platinum Card® covers purchased items that can’t be returned to the original store within 90 days from the purchase date. The American Express Business Platinum Card® return protection is one of the best among small business credit cards. In comparison, both the U.S. Bank Business Select Rewards Card and Chase Ink Business Preferred^SM don’t offer refunds on return items.

What the American Express Business Platinum Card® Return Protection Excludes

American Express doesn’t cover the following items:

• Animals and living plants
• One-of-a-kind items (antiques, artwork, and furs) and going-out-of-business sale items
• Services and additional costs
• Rare coins
• Motor vehicles
• Perishable items
• Maps, books, and magazines
• Personal hygiene items (toothbrushes, razors, or health devices)
• Tickets of any kind
• Computer software, firmware, compact discs, digital video discs, and videotapes
• Jewelry and watches

The American Express Business Platinum Card® return protection is unique to American Express and is not offered by many competitors. Exclusions here are common across American Express business credit cards.

Extended Warranty Protection

American Express provides additional coverage if the original warranty on purchases is five years or less. There are two scenarios for this coverage. The first is they will match warranties that are less than two years. The second is they will give two extra years if the original warranty is between two and five years. For instance, if you have an item with a one-year warranty, they will offer an additional one year.

What’s Covered With the American Express Business Platinum Card® Extended Warranty Protection

The American Express Business Platinum Card® offers extended warranties on items with an original manufacturer’s warranty of five years or less. In comparison, the Chase Ink Business Preferred^SM extends warranties by an additional year on warranties of three years or less up to a maximum of $10,000 per claim and $50,000 per account.

What the American Express Business Platinum Card® Extended Warranty Protection Excludes

The following purchases are not covered by extended warranty protection:

• Animals or living plants
• Consumable or perishable items
• Products covered by an unconditional satisfaction guarantee
• Items with physical damage or damage as a result of natural disaster
• Software
• Motorized devices and vehicles and their parts
• Business fixtures, land, or buildings
• Items purchased for use as inventory

American Express caps the extended warranty to $10,000 per claim, which can’t exceed $50,000 per year. In comparison, the Capital One® Spark® Miles for Business card also caps their warranty up to $10,000 per claim. Exclusions here are similar among small business credit cards.

Travel Accident Insurance

The American Express Business Platinum Card® provides travel accident insurance up to $500,000, which is significantly higher than the $100,000 provided on the American Express® Business Gold Card. However, American Express will only cover claims where the entire fare was charged to your American Express business credit card.

What’s Covered With the American Express Business Platinum Card® Travel Accident Insurance

The American Express Business Platinum Card® covers if you die or lose a limb, sight, speech, or hearing in regard to any travel fares that were paid for entirely on your card. The travel accident insurance provided on the American Express Business Platinum Card® is double than what is provided on the Capital One® Spark® Miles for Business card. Capital One covers the same instances, but only provides coverage up to $250,000.

What the American Express Business Platinum Card® Travel Accident Insurance Excludes

The following aren’t included in American Express travel accident insurance:

• Losses as a result of war or acts of far
• Self-inflicted injury or threat
• Injuries that occur while driving, riding as a passenger in, boarding, or exiting from a rental or personal vehicle
• Injury received during or as a result of commuting
• Stroke or cerebrovascular accident, cardiovascular accident, myocardial infarction or heart attack, coronary thrombosis, aneurysm, or deep vein thrombosis
• Sickness, physical or mental infirmity, or pregnancy

Although the Capital One® Spark® Miles for Business and American Express Business Platinum Card® offer different coverages, their exclusions are similar. Most small business credit cards that offer travel accident insurance exclude the same instances.

Baggage Insurance Plan

The American Express Business Platinum Card® Baggage Insurance Plan provides coverage between $1,000 and $3,000. The baggage insurance plan covers any lost bags while in transit, carry-on baggage, checked baggage, high-risk items, or both carry-on and checked baggage.

What’s Covered With the American Express Business Platinum Card® Baggage Insurance Plan

The following items are covered on the baggage insurance plan:

• Up to $3,000 for baggage lost in direct transit to a common carrier’s terminal
• Up to $3,000 for lost carry-on baggage
• Up to $2,000 for lost checked baggage
• Up to $3,000 for both lost carry-on and checked baggage
• Up to $1,000 for lost high-risk items (jewelry, sporting equipment, and electronic equipment)

Other American Express small business credit cards offer baggage insurance, including the American Express Blue Business® Plus credit card. Few other small business credit cards offer this benefit.

What the American Express Business Platinum Card® Baggage Insurance Plan Excludes

The following items are not covered by the baggage insurance plan:

• Cash or its equivalent
• Credit cards and other travel documents
• Securities
• Tickets and documents
• Living plants and animals
• Food, consumable, and perishable items
• Eyeglasses, sunglasses, and contact lenses
• Hearing aids, artificial teeth and limbs, and prescription and non-prescription drugs
• Property shipped as freight

For both American Express and Capital One, your entire fare must be charged on your eligible card. In addition, exclusions here are common for both the Capital One® Spark® Miles for Business card and American Express Business Platinum Card®.

Car Rental Loss & Damage Insurance

If you use your American Express Business Platinum Card® for a car rental, you can be protected during the rental period. The American Express Business Platinum Card® provides coverage up to $75,000 per car rental agreement for the first 30 days of a vehicle rental and when rented from a car rental company.

What’s Covered With the American Express Business Platinum Card® Car Rental Loss & Damage Insurance

The lesser of the following is covered by the car rental loss and damage insurance:

• The actual cost to repair the rental vehicle
• The wholesale book value of the rental vehicle, minus salvage and depreciation costs
• The purchase invoice price of the rental vehicle, minus salvage and depreciation costs

Unlike American Express, some other small business credit cards don’t put a monetary cap on the rental insurance. For example, the Chase Ink Business Preferred^SM will provide coverage up to the cash value of the car on rentals of 31 consecutive days or less.

What the American Express Business Platinum Card® Car Rental Loss & Damage Insurance Excludes

The following losses are not covered by the car rental loss and damage insurance:

• Intentional damage by an authorized driver
• Damage that occurred before the rental period
• Manufacturing defects
• Confiscation by authority
• Wear and tear
• Damage due to freezing
• Theft or damage to rental vehicles that are unlocked or not secured
• Theft of or damage to tires

When comparing the Chase Ink Business Preferred^SM and the American Express Business Platinum Card®, exclusions are similar. Even more, exclusions here are common across small business credit cards.

Account Management Tools

The American Express Business Platinum Card® gives its members several different account management tools to enhance their cash flow operations. These tools give business owners the ability to manage their cards from their computers and easily from a mobile device. Plus, employees can upload photos of their receipts to make for easier expense reporting.

The American Express Business Platinum Card® account management tools are:

• Mobile device apps: Allows for account holders to easily manage their account, pay their bill, check their balance, and view their benefits all from their mobile phone or tablet.
• Desktop programs: Recently known as ReceiptMatch, the American Express® Business App gives account holders the ability to manage employee spending and expenses such as viewing transactions, setting spend limits, and flagging any unusual transactions.
• QuickBooks integration: This connects with QuickBooks online and automatically transfers any transactions on your American Express account to your QuickBooks account. You can enroll for this account management tool through your American Express account.

Compared to most small business credit cards, American Express offer extensive account management tools and expense reporting. In addition to these tools, they offer the ability to set account alerts, year-end summaries, and online statements to view your purchase history, prepare reports, and budget your expenses.

Global Entry or TSA Pre✓®

With the American Express Business Platinum Card® you can receive a statement credit every four years after you apply for Global Entry ($100) or every four-and-a-half years after you apply for TSA Pre✓® ($85). If you’re approved for TSA Pre✓®, you will get expedited screening at participating airports. If you’re approved for Global Entry, you will also receive access to TSA Pre✓® at no additional charge.

Each additional card, such as an employee card, is also eligible for these same statement credits. To receive your statement credit, the application fee must be charged entirely on your American Express credit card. This feature is unique to American Express, and it outranks competitors.

Delta Sky Club

The American Express Business Platinum Card® gives cardholders access to airport Delta Sky Clubs. You must be at least 18 years old to access a Delta Sky Club and 21 years old to access locations that have a self-service bar. To enter a Delta Sky Club, you must present a valid American Express card, your government ID, and your airline ticket for that day. In comparison, the American Express Delta Reserve® for Business Credit Card offers complimentary access to Delta Sky Clubs.

Gogo Preferred Program

Each American Express Business Platinum Card® is eligible for up to 10 complimentary single flight passes for Gogo inflight internet each year. A single flight is defined as one takeoff and landing on the same aircraft, with the same flight number, between two cities. To be eligible for this feature, your card must be issued in the United States and be currently active. This feature is unique to American Express and the American Express Business Platinum Card®.

Adding American Express Business Platinum Card® Employee Cards

Once you’ve been approved, you can request up to 99 additional employee cards on your account. There is a $300 fee for each employee card added to your American Express Business Platinum Card® account. In comparison, the American Express® Business Gold Card charges $50 for the first employee card and no fee for additional employee cards.

What the American Express Business Platinum Card® Is Missing

Since this is a charge card, the American Express Business Platinum Card® must be paid off in full every month, unless you’re invited to the Pay Over Time feature. Even if you are invited, the APR is higher than comparable cards.

American Express Business Platinum Card® Reviews

We sourced the web for reviews and in doing so, we found that one of the most helpful positive user reviews says cardholders find the travel perks beneficial, such as airline rebates and airport lounge access. However, a negative review suggests the fee is too high and if you don’t travel frequently, you may not get your money’s worth.

How to Apply for the American Express Business Platinum Card®

You can get a business credit card online. American Express will require you to fill out an application including your basic business and personal information. Typically, you will hear back on your approval instantly. If you’re approved, you will get your card within seven to 10 business days. If your approval isn’t instant, you can check on your application status on the American Express website.

How to Login in to Your American Express Business Platinum Card® Account

By providing your user ID and password, you can login to your American Express account online. If you’re having issues, you can contact American Express business credit card customer service through the American Express website.

Other American Express Business Credit Cards

American Express offers various business credit cards that suit all kinds of spending needs, including travel rewards cards and cash-back cards. There are several different introductory offers, ongoing reward opportunities, and annual fees, which they sometimes waive for the first year.

The other American Express business credit cards are:

• American Express® Business Gold Card: This is a travel rewards card that is best for business owners who are looking to earn rewards points in the two categories they spend the most money in every month.
• The Plum Card® from American Express: The Plum Card® is best for business owners who want to have their annual fee waived over the first year and earn pay early discounts.
• American Express Blue Business® Plus Credit Card: This American Express business credit card offers a no-interest period on both purchases and balance transfers. You can earn rewards points on just about any purchase.
• Hilton Honors American Express Business Credit Card: This credit card is best suited for existing Hilton customers. It offers Hilton Honors Bonus Points after meeting a minimum spending requirement the first couple months of card ownership.
• Marriott Bonvoy Business^TM American Express® Card: This card is best for frequent Marriott Bonvoy hotel customers. It offers introductory bonus points after meeting a minimum spending requirement in the first few months. You can also earn rewards points for every $1 you spend at participating hotels.
• American Express Delta Reserve® for Business Credit Card: This credit card is an excellent option for frequent Delta flyers who want to earn introductory bonus miles and points rewards on all Delta-related purchases.
• American Express Platinum Delta SkyMiles® Business Credit Card: Another excellent card option that is best for business owners who primarily fly Delta. You can earn ongoing rewards for Delta-related purchases.
• American Express Gold Delta SkyMiles® Business Credit Card: Another excellent credit card for business owners who primarily fly with Delta airlines. You can earn introductory bonuses and ongoing rewards for Delta-related purchases.
• Amazon Business Prime American Express Card: This card is only meant for existing Amazon Prime members. You can earn rewards on your purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.
• Amazon Business American Express Card: This is an excellent option for non-Amazon prime members. You can earn rewards on your purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.
• American Express Business Green Rewards Card: This card is best for frequent travelers who may not spend too much annually. You will receive bonus rewards points after your first purchases within the first year.
• American Express Lowe’s Business Credit Card: Best for businesses owners who want to earn rewards for purchased items at Lowe’s and receive potential in-store discounts.

Alternatives to the American Express Business Platinum Card®

Some small business travel rewards cards may offer better spending categories for your business. Business owners may want to consider an alternative if traveling isn’t their focus, if they want to choose their reward categories, or want a card with a lower annual fee.

3 Alternatives to the American Express Business Platinum Card®

For rates and fees on The Business Platinum® Card from American Express, please click here.
For rates and fees on the American Express® Business Gold Card, please click here.
For rates and fees on the American Express Blue Business® Plus, please click here.