AMEX Platinum Business Card

Card Benefits & AMEX Point Calculator
5X AMEX Travel Airfare
5X AMEX Travel Hotel
1.5x on $5,000+ Purchases
$200 Airline Incidentals Credit
$200 Dell Credit
$100 Global Entry/TSA PreCheck
35% Point Rebate on Airfare

Review the benefits of the AMEX Platinum Business Card and calculate the cash value of the card based on your monthly/yearly spend, perks, and annual fee.


The Platinum Business 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. Thanks to the 35% rebate the Platinum Business Card offers, you'll be able to easily redeem your points for a minimum value of 1.54 cents each when using the American Express Travel Portal. This is a great way to boost the value of your points earned across other Membership Rewards credit cards.

Bonus Categories

The bonus categories of the AMEX Platinum Business 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
    • Applies to pre-paid bookings (which is normal for airfare).
  • 5x Hotels Booked With AMEX Travel
    • Applies to pre-paid bookings.
    • Great for Fine Hotels & Resort and The Hotel Collection bookings.
  • 1x Non-Category

Perks & Benefits

The AMEX Platinum Business offers a significant amount of elite benefits. Most are similar to the personal version, but there's a few perks and benefits that makes it unique such as Dell credits, a 35% point rebate, and extra points on large purchases.

  • Annual $200 Airline Incidental Credit
    • Applies to your chosen airline that you pick upon receiving the card and every January thereafter.
    • Can be used with the following airlines:
      • Alaska Airlines
      • American Airlines
      • Delta Airlines
      • Frontier Airlines
      • Hawaiian Airlines
      • JetBlue Airways
      • Spirit Airlines
      • Southwest Airlines
      • United Airlines
    • Incidental charges are credited back to your account in the form of a statement credit.
    • Baggage fees, lounge fees, and in-flight purchases count as incidental charges; Can also be triggered by some seat costs (such as paying for an Exit seat).
    • Chosen airline does not have to be the same airline you picked on other cards that feature this benefit.
  • Annual $200 Dell Credit
    • $100 credit January-June and a second $100 credit July-December.
    • Credits do not roll over; Use it or lose it.
    • Purchase on Dell.com, including gift cards, will trigger the credit.
  • $100 Global Entry/TSA PreCheck Credit
  • American Express Global Lounge Collection
    • Grants complimentary access to the following lounges:
      • Centurion Lounges
      • Delta Sky Club Lounge
        • Must be flying Delta and present a same-day Delta ticket.
      • Airspace Lounges
      • Escape Lounges
      • Priority Pass Lounges
        • Priority Pass Select Membership is complimentary.
  • 35% Airline Bonus (Rebate)
    • Can be applied to:
      • Any class ticket with your chosen airline (same that you choose for the $200 airline incidental credit).
      • A first or business class ticket with any airline.
    • These redemptions bump up the AMEX Points Value to 1.54 cents per point.
    • Points are given back in the form of a rebate usually 1 month after purchase.
    • You must have enough points to buy the airfare at normal price.
  • Marriott Bonvoy Gold Status
  • Hilton Honors Gold Status
  • Fine Hotel & Resorts
    • Benefits Include:
      • Noon Check-In
      • Complimentary Room Upgrade
      • Continental Breakfast For Two
      • Complimentary In-Room Wi-Fi
      • Late 4pm Checkout
      • Unique Property Amenity
    • Purchase must be made in full on the Business Platinum or personal Platinum Card.
  • The Hotel Collection
    • When staying 2+ consecutive nights, you will receive:
      • $100 USD hotel credit towards hotel amenities such as dining, drinks, and spa.
      • Room upgrade at check-in.
  • Cruises Privileges Program
    • Receive $100 USD to $300 USD when booking 5+ nights with selected cruise lines.
    • Credit amount is based on cruise line and type of room booked.
    • Participating cruise lines include:
      • Celebrity Cruises
      • Norwegian Cruise Line
      • Holland America Line
      • Princess Cruises
      • Royal Caribbean International
      • Cunard Line
      • Ama Waterways
      • Oceania
      • Regent
      • Azamara
      • Seabourn
      • Crystal
      • Silversea
      • Uniworld
      • Windstar
  • The Travel Collection by Travel Leaders Group
  • Avis Preferred Status
  • Hertz Gold Plus Rewards Five Star Status
  • National Car Rental Emerald Club Executive Status
  • International Airline Program
    • Save on base airfare when buying international first, business, or premium economy tickets through American Express.
    • Can pay using any AMEX Card or use Membership Rewards Points.
    • 35% Airline Bonus (Rebate) can also be applied to these bookings when paying with points.
  • +0.5x Big Purchases
    • Spending $5,000 or more within a single transaction will earn you a bonus 0.5x per $1 spent for a total of 1.5x.
  • +1 American Express Travel Portal
    • Receive an extra point (for a total of 2) for purchases on the AMEX Travel Portal.
    • Does not apply to airfare and hotel booking since they already earn at 5x.
  • AMEX Entertainment Access
    • AMEX Presales
    • AMEX Preferred Seating
    • Access To Exclusive Events
    • By Invitation Only (Platinum Card specific events)
  • Platinum Concierge
  • InCircle
    • Earn 1 InCircle Point for each $1 towards purchases at Neiman Marcus, Bergdorf Goodman, Last Call, Horchow, or Cusp.
    • Redeem 10,000 Points for $100 InCircle Point Card.
  • AMEX Offers
  • Global Dining Collection
  • No Preset Spending Limit (NPSL)
  • Expense Management Tools
    • Vendor Pay by Bill.com, employee cards, account manager, and more.
  • Insurance and Purchase Protections

Do note that authorized users of the AMEX Business Platinum Card will either receive or have access to the majority of the benefits listed. Check out our AMEX Platinum and AMEX Business Platinum Authorized User Benefits write up to get the full details on what your additional cardholders will have access to.

Sign Up Bonus (SUB)

The sign up bonus for the AMEX Platinum Business Card ranges between 50,000 and 75,000 Membership Reward Points, but you can also nail a 100,000-point sign up bonus sometimes as well. The AMEX Platinum Business 100,000-point offer can sometimes be triggered using incognito/private browsing or with the creditcards.com Card Match Tool. It can also be offered via referral links at times too.

If redeemed via the Amex Travel portal for your chosen airline, the 35% rebate perk would make your 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 fantastic. It could be worth more or less depending on if you transfer them to other hotel/airline loyalty programs ($0.06 to $0.02+) or if you redeem them for other things such as gift cards ($0.007 and lower).

I recommend trying to aim for the 75,000-point or 100,000-point sign up bonus if you're going for the card since AMEX signup bonuses are basically once per lifetime.

Fees

Annual Fee

The AMEX Platinum Business annual fee is $550. This is the same price as the personal version and one of the highest annual fee cards in terms of luxury travel cards. While it does have a high pricing point, it does come with a bunch of perks which can easily make the $550 worth it. Lounge access, $400 in annual credits, complimentary hotel elite status, car rental benefits, and much more. You'll have to calculate the cash value of the card based on how much you value the benefits, but the actual cash cost of the benefits far exceeds $550.

Authorized User Fee

The Platinum Business authorized user fee is $300 for each additional Platinum Business Card which is a bit on the high side, but the positive is that all authorized users will gain the majority of the luxury benefits the card offers. This includes lounge access, hotel elite status, the purchase protection, and much more.

What you'll want to keep in mind is that it may be worth cheaper for additional cardholders to get their own card. This will depend on how easy it is to use the credits on the card. If you're a business with a bunch of employees then this may not be an option, but it's a great way for those who have the possibility to do so.

Foreign Transaction Fee

The Platinum Business Card has a 0% foreign transaction fee. This means you'll be able to make international purchases without worry about incurring a fee. The drawback is that you will not earn too much in terms of points since the only bonus categories on the card are tied to the American Express Travel Portal. While there's solid options for personal cards, the AMEX Business Cards don't work as well on international purchases.

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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