AMEX Business Platinum Card Cash Value Calculator

AMEX Business Platinum Card

5X Amex Airfare
5X Amex Hotel
1.5x Points on $5,000+ Purchases
$200 Airline Credit
$100 Global Entry/TSA PreCheck
35% Point Rebate on Airfare

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The Business Platinum Card is no stranger to elite travelers. It offers top notch travel perks and benefits along with a great return on both airfare and hotels. The best part of the card is that it offers a wonderful 35% of your points back when redeemed towards qualifying airfare. Of course, it's not the 50% rebate that it used to be, but it's still a great perk since it is the only Membership Reward Points earning card that boosts the value of your points. Holding onto the Business Platinum Card will give your Membership Reward Points a value of 1.54 cents each. This is when redeemed through the American Express Travel Portal. That's 0.04 cents higher than redeeming Ultimate Rewards Points through Chase's travel portal when being a Chase Sapphire Reserve cardholder. While that isn't enough to say one card is better than the other, the Business Platinum card holds its weight in the premium card line up by offering annual airline credit, Global Entry/TSA PreCheck credit, hotel status in two large programs, and access to thousands of lounges worldwide! What sets this card apart from the other premium luxury cards is that Authorized Users also get to enjoy the majority of the Business Platinum Card benefits!

American Express Membership Rewards Points are easily redeemable for 1.54 cents each with the AMEX Business Platinum Card thanks to the 35% rebate it offers on points. You can also get great value from Membership Rewards Points when they are transferred to their many airline and hotel travel partners. Membership Rewards Points can also be redeemed for airfare, hotels, cruises on the AMEX Travel Portal, statement credits, at top retailers such as Best Buy and Amazon during checkout, and much more. The full list of earning partners as well as point redemption calculator, point transfer/conversion calculators, and the list of all available Membership Rewards Point earning cards can be found on our Membership Rewards Points Calculator page. The calculators on that page will convert any amount of Membership Rewards Points to the dollar value for every redemption available.

Bonus Categories

The bonus categories of the AMEX Business Platinum are almost the same as the personal version, The Platinum Card. The only difference is that the personal version allows you to purchase airfare directly from the airline to earn 5x points while the business version does not. This card's categories are tied down to purchases through the American Express travel portal.

5x Airfare Booked With AMEX Travel

Business Platinum Card members will be able to earn 5x on airfare purchases through the American Express travel portal. This bonus only applies to pre-paid bookings (which is usual for airfare). Since Membership Reward Points are easily valued at 1.54 cents apiece, you're looking at a 7.7% return on airfare purchases through their portal. This is an excellent return that cannot be beat by any other Membership Reward Point earning card in AMEX's line up.

5x Hotels Booked With AMEX Travel

Hotels booked through the American Express travel portal with the Business Platinum Card will also earn 5x Membership Reward Points per $1 spent. This will mainly consist of AMEX Fine Hotels & Resort properties since payments for these are due up front. Pre-paid bookings will not be eligible for the 5x hotel category bonus. Again, since the 35% rebate perk bumps up the value of Membership Reward Points, we are looking at a 7.7% return on hotel purchases. This is great for anyone that is not loyal to a particular hotel brand. If you consistently stay at the same one or two hotel brands, you would be better off putting the spend on a co-branded hotel card. For example, when it comes down to spending $2,000 on Hilton Properties, you might get more value out of using one of the Hilton Honors Program Credit Cards since it will come with several perks and may earn more Hilton Honors Points. Plus, your status will be recognized and you will earn stays towards achieving status with a hotel program.

1x Non-Category

All non-bonus category purchases will only earn a single point. Normally, putting spend on a card that earns one point will not be a good idea, but the Business Platinum (as well as the The Platinum Card) has great benefits such as return protection, purchase protection, and extended warranty to name a few. If you're buying a big ticket item or something that you want some extra insurance on at no extra cost, I would recommend using the card. Otherwise, non-category purchases can go on better cards such as The Blue Business Plus Card which earns 2x on all purchases up to $50,000 and has no annual fee. Second to that is the AMEX Everyday Preferred which earns 1.5x on non-category if you've met the 30 transactions within a statement period requirement.

+1 AMEX Travel Portal

As with all AMEX Membership Reward Point earning cards, all purchases in the American Express travel portal that are not featured as a bonus category will earn an additional Membership Rewards Point per $1 spent. This includes purchases such as rental cars, cruises, and vacation packages.

Perks and Benefits

The AMEX Business Platinum shares a great deal of benefits with The Platinum Card. There's a few perks and benefits that make both cards unique in their own way such as the Uber credit. The AMEX Business Platinum does not come with an Uber credit which is why the annual fee remains $100 cheaper than the personal Platinum Card. It can be a tough decision to choose between both. It will come down to the perks and benefits that set them apart from each other.

$200 Airline Credit

The AMEX Business Platinum offers a $200 Airline Credit for incidentals on a chosen airline. Qualifying airlines include Alaska Airlines, American Airlines, Delta Airlines, Frontier Airlines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines, and United Airlines. Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply and incidental air travel fees charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. Types of purchases that usually trigger this credit include baggage fees, lounge fees, and in-flight purchases. This credit can also sometimes be triggered by seat upgrades after you've already purchased the initial ticket. This airline credit is also featured on the personal Gold Card and Platinum Card.

Select an airline for each card eligible to receive the AMEX Airline credit. This is done every January or upon receiving the card for the first time.

Marriott Bonvoy Gold Status

Previously the Business Platinum Card as well as it's personal counterpart granted complimentary SPG Gold status which status matched over to Marriott Gold due to the merger. Now it grants Marriott Bonvoy Gold status within the Marriott Bonvoy Program directly. This allows Business Platinum members to hold on to Gold Status as long as their card is open and it is benefit of the card. Additional cardholders can also acquire Gold Status on their own account as a benefit of being an authorized user on the card. They can call the number on the back of their Business Platinum Card to have it applied to their Marriott account.

Marriott Gold status comes with late checkout, complimentary room upgrades, enhanced internet, and a 25% bonus on Marriott Bonvoy Points. It is normally earned by staying 25 nights but is complimentary to both Marriott Brilliant Card and Ritz-Carlton Credit Card holders. Marriott Gold Elite status can also be obtained by heavy spend on any of the other cards in the Marriott credit card line up including the Marriott Bonvoy Boundless Card or Marriott Bonvoy Business Card.

Hilton Honors Gold Status

Along with Marriott Gold, Business Platinum cardholders will also be granted Hilton Honors Gold in the Hilton Honors Program. Business Platinum members will remain Hilton Gold members as long as the card is opened and it's a benefit of the card. This status is also complimentary to additional card holders and can be triggered by calling the number on the back of the card.

Hilton Gold status is obtained after reaching either 20 stays, 40 nights, or 75,000 Hilton Honor Base Points. The status comes with perks such as complimentary room upgrades, continental breakfast, free bottles of water, and more. Gold status is also complimentary to Hilton Honors Surpass Card and Hilton Honors Business Card members. High spend can also be ran through the no annual fee Hilton Honors Card to obtain Gold.

Car Rental Elite Status

Business Platinum card holders will receive Avis Preferred Status as well as complimentary enrollment in Hertz Gold Plus Rewards and National Car Rental Emerald Club Executive status. This can guarantee some big savings for travelers who rent cars from these companies often. These statuses come with perks such as upgrades, discounts, guaranteed availability and more.

Global Entry and TSA PreCheck

A statement credit of up to $100 will be applied when the Business Platinum Card is used to pay for a TSA PreCheck or Global Entry Application. TSA PreCheck will allow you to get into the expedited security line while Global Entry will make you re-entry into the US a breeze. TSA PreCheck is included with Global Entry, so it's usually best to go for Global Entry if you plan on taking any international trips. The $100 application credit is once per year, every four years. Additional Business Platinum cardholders will receive there own $100 statement credit but must use their own card to trigger their credit.

Lounge Access

This is one of the strongest perks of the Business Platinum card. Cardholders will have complimentary access to Centurion Lounges and Delta Airline SkyClubs (when flying Delta). Centurion Lounge access offer up to two guests. Delta SkyClub allows guests for a fee. Cardholders will also have complimentary Priority Pass Select membership. Priority Pass Select offers up to two guests free of charge. Additional guests are $27 per each (not all lounges allow guests). Centurion Lounges, Delta SkyClubs, and Priority Pass complimentary access only applies to Platinum Card holders. These perks are not available to Gold and Green additional card holders.

35% Point Rebate on Airfare

When redeeming Membership Reward Points on the American Express Travel Portal, Business Platinum members will receive a 35% Rebate On Points Used when they either A) buy any class ticket with their chosen airline or B) buy a first or business class ticket with any airline. These points will be credited back to the users balance (usually takes about a month). This rebate effectively makes Membership Reward Points worth $0.0154 each which is an awesome value. If you earn a bunch of Membership Reward Points between other AMEX cards, grabbing the Business Platinum could add some real value to your points and be worth taking a look at for this perk alone.

1.5x Big Purchases

Making a $5,000 purchase in one transaction on the AMEX Business Platinum will earn an additional 0.5x points per $1 spent (for a total of 1.5x points per $1 spent). There is a maximum 1,000,000 extra points associated with this benefit per calendar year per account. While not a breathtaking perk, it still has the potential to earn some bonus points on big purchases. Do note that for the transaction to count, it must be all under one individual transaction. Broken up transaction will not be eligible.

Additional Perks

The AMEX Business card features many more benefits and perks including Fine Hotels and Resorts access, car rental status, cruise discounts, incircle membership, shoprunner membership, roadside assistance, return protection, Boingo wifi, car rental insurance (secondary), purchase insurance, and more. The full list and the details can be found on their Platinum Card Page.

Sign Up Bonus

The sign up bonus for the Business Platinum Card ranges between 50,000 and 100,000 Membership Reward Points. The AMEX Business Platinum 100k offer can sometimes be triggered using incognito/private browsing or with the creditcards.com Card Match Tool. If redeemed via the Amex Travel portal for your chosen airline, the 35% rebate perk would make Amex points worth $0.0154 each. This would make a 50k-100k sign up bonus worth between $770 and $1,540 which is a pretty good amount. It could be worth more or less depending on if you transfer them to other airline loyalty programs ($0.02+) or if you redeem them for other things such as gift cards ($0.007-). Be sure to check for the AMEX Business Platinum 100k offer before applying since all AMEX sign up bonuses are once per lifetime!

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The AMEX Business Platinum annual fee is $450. This is $100 cheaper than its personal counterpart The AMEX Platinum Card mainly due to the $200 Uber Credit that was added to the personal card. This is the standard fee in the credit card industry for premium cards. The Chase Sapphire Reserve and Citi Prestige have the same price point along with a great deal of other cards.

Authorized User Fee

The Business Platinum authorized user fee is $300 for each additional Business Platinum Card which is a bit on the high side. The positive is that all authorized users will gain the majority of the luxury benefits the card offers. The thing is, the personal Platinum Card offers a lot of the same perks. The Platinum Card is $100 more than the Business Platinum in terms of annual fee (though it has $200 in Uber credits), the additional user cost is only $175 for the first three authorized users and $175 for each user after the first three. If you're going to be adding additional users, I recommend you take a look at the personal Platinum Card first.

Foreign Transaction Fee

The Business Platinum Card does not have a foreign transaction fee. So if you're overseas shopping, you have nothing to worry about except what to buy.

Other Inquiries

AMEX Business Platinum Points Value

Points earned with the AMEX Platinum Card are AMEX Membership Reward Points. These points generally have an easily obtainable value of 1 cent each when redeemed for standard travel through the American Express Travel Portal. The value of AMEX Business Platinum points are 1.54 cents each when redeemed using the 35% Point Rebate. Our Membership Reward Points Calculator will calculate the cash value of Membership Reward Points for all redemption options.

AMEX Business Platinum 100k

AMEX will occasionally offer a sign up bonus of 100,000 Membership Reward Points for the Business Platinum and Personal Platinum cards. 100,000 Membership Reward Points can be easily worth $1,000 ($0.01 rate) when redeemed for standard travel and $1,540 when used with the 35% Airfare Rebate. Transfer this bonus to other loyalty programs and you can possibly get $2,000+ out of them. Sometimes the Business Platinum 100k bonus is given directly by AMEX when applying straightforward through their website. Sometimes you may have to fish for it by either using private/incognito browsing or using the Card Match Tool. Do note that the spend value for this bonus usually ranges between spending $10,000 to $25,000 within the first three months of being approved for the card.

AMEX Business Platinum Uber Credit

Unlike the personal AMEX Platinum Card, the Business Platinum card does not offer an Uber credit.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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Recommended Cards

The Business Platinum Card is a great luxury travel card that provides a lot of perks that's well worth the annual fee. It's hard to beat in the terms of perks, but I've listed a few cards that either come close or compliments this business card.

Platinum Card

The Platinum Card is the personal version of the Business Platinum Card and perks are almost identical. The Platinum Card earns 5x on airfare purchased directly with the airline along with airfare and hotels purchases on the AMEX travel site. It also comes with a $200 Uber credit and the same $200 airline credit for incidentals. Global Entry, Priority Pass, Centurion Lounges, and Delta SkyClub access is also provided to cardholders and authorized users. Unfortunately, the Platinum Card does not offer the awesome 35% rebate perk or the bonus 0.5 points for purchases over $5,000.

Lounge Access

When it comes to lounge access, the Platinum Card and Business Platinum Card is unmatched, but there are several cards that offer a Priority Pass Membership. Several luxury travel cards such as the Chase Sapphire Reserve, Citi Prestige, and Hilton Aspire Card. There are a few cards that also give specific lounge access such as the Delta Skymiles Reserve and Delta Skymiles Business Reserve which allows Delta SkyClub Membership, the Citi AAdvantage Executive Card which grants access to American Airlines Admiral Clubs, and the Chase United MileagePlus Club Card and Chase United MileagePlus Club Business Card which offers United Club Membership.

AMEX Platinum vs Chase Sapphire Reserve vs Citi Prestige

When it comes to finding the best luxury card in the market, the community is usually split between the AMEX Platinum Cards (personal and business), the Chase Sapphire Reserve, and the Citi Prestige. Each card has there own perks and benefits sets it apart from the rest. The Platinum Card and Business Platinum card is good for people who want great return and purchase protection, superior lounge access, Fine Hotels and Resorts benefits, and generally great customer service. The Chase Sapphire Reserve is a great well rounded card thats great for earning Ultimate Rewards Points on travel/dining and a generously large (and easy to use) travel credit. Last, but not least, is the Citi Prestige card which is known for it's Complimentary 4th Night Free which saves hundreds (in some cases thousands) of dollars on hotel nights.

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Page Last Updated: 2019-03-01

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