Editorial and Partnership Disclosure
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 1,550 airport lounges worldwide. While it charges an annual fee of $895, business members can get up to $200 back per calendar year by making eligible purchases at Hilton properties across the globe. 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.
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- 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. Enrollment required.
- Airport screening: Either a $120 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 $150 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
How We Evaluate Travel Rewards Business Credit Cards
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: The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to airport lounges, you have more airport lounge options than any other credit card issuer on the market.
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
- $3,500 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 $3,500 annually in credits on select purchases with the Business Platinum Card®.
- $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- $200 cash back: Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- 2X 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.
- $209 CLEAR® Plus Credit: Use your card and get up to $209 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
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.
American Express Business Platinum Card® Rewards Calculator
Your potential monthly reward earnings are:
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
Travel
- The Global Lounge Collection: Access over 1,550 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 $209 in statement credits per year.
- Fine Hotels + Resorts®: Up to $300 statement credits semi-annually (total up to $600/yr) for prepaid Fine Hotels + Resorts or The Hotel Collection bookings
- Global Entry or TSA PreCheck®: Receive a statement credit every
- four years after you apply for Global Entry ($120); 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.
Enrollment is required for select benefits.
Exclusive Business Value
- Dell Technologies: Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Indeed: Receive up to $360 in statement credits per year for purchases with Indeed using your card.
- Adobe Creative Solutions: Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Wireless Credit: Take advantage of up to $120 credits per year for wireless telephone services purchased directly with a United States wireless provider.
Expense Management
- 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.
Insurance Protection
- 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: 17.74% to 28.49% 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: $895
- 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
How To Make Payments
- 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
Capital One Venture Business
| Intro APR | N/A |
|---|---|
| Regular APR | 24.49% (Variable) |
| Annual Fee | $95 |
| Credit Needed | Excellent |
- 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
- 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.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
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
| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $350 |
| Credit Needed | Excellent, Good |
- Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 7/15/26.
- Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- 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.
- 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.
- 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.
- 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.
- Your first checked bag flies free on international and domestic Delta flights. And now, your second checked bag flies free on domestic Delta flights too.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- 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.
- With the $120 Resy Credit, earn up to $10 per month in statement credits at over 10,000 qualifying U.S Resy restaurants for eligible purchases using your enrolled Card.
- 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.
- 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.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
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, get your first bag checked for free, and access priority boarding. You also get $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
U.S. Bank Business Altitude® Connect Visa Signature® Card
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
- Earn 60,000 bonus points 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 Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- 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 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
This card offers airport lounge access – Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year. You can also earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
Frequently Asked Questions (FAQs)
How can I use Membership Rewards® points for travel?
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.
What is the Pay Over Time option?
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.
What is the credit limit of American Express Business Platinum Card?
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 $895. What’s more, you can earn premium rewards and a generous welcome offer when you meet the spending requirements.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
American Express The Business Platinum Card®
Delta SkyMiles® Platinum Business American Express Card
