The Business Platinum Card® from American Express

Earning Rewards

The AMEX Business Platinum Card earns Membership Rewards points at the following rates:

• 5 points per $1 spent on flights and prepaid hotels on AmexTravel.com.
• 1.5 points per $1 spent 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.
• 1 point per $1 spent for each dollar you spend on all other eligible purchases.

Rewards Value

Perks & Benefits

Here are the main benefits of the AMEX Business Platinum Card:

• $400 Dell Credit: Enroll and get up to $200 in statement credits semi-annually on U.S. purchases with Dell Technologies on the Business Platinum Card through 12/31/24. That's up to $400 back.
• $360 Indeed Credit: Enroll and get up to $360 in statement credits(up to $90 back per quarter) for purchases with Indeed on the Card through 12/31/24.
• $150 Adobe Credit: Enroll and get up to $150 in statement credits for eligible annual prepaid business plan purchases of Adobe Creative Cloud for teams or Adobe Acrobat Pro for teams on the Business Platinum Card through 12/31/24.
• $120 Wireless Statement Credit: Enroll and get up to $120 in statement credits per year for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $10 back per month.
• $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®.
• Global Lounge Collection: Enjoy complimentary access to over 1,400 airport lounges globally, including The Centurion® Lounge, Escape Lounges - The Centurion® Studio Partner, Delta Sky Club® when flying Delta, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges.
• Marriott Bonvoy Status: As a Business Platinum Card Member, you can upgrade to Marriott Bonvoy® Gold Elite status without meeting any stay requirements. Enrollment required.
• Hilton Honors Status: With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points. Enrollment required.
• Fine Hotels & Resorts: When you book through American Express Travel, you’ll receive a suite of benefits with an average total value of $600 in perks, like daily breakfast for two, 4pm check-out, and more.
• Global Entry or TSA PreCheck® Credit: Receive up to a $100 statement credit when you use your Card to pay for a Global Entry or TSA PreCheck application fee.
• And Much More: Car Rental Privileges with Hertz, Avis, and National, Cruise Privileges Program, Global Dining Access by Resy, International Airline Program, Platinum Destinations® Vacations, and The Hotel Collection Program.
• Travel & Purchase Coverage^*: Trip Cancellation Insurance, Trip Interruption Insurance, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Baggage Insurance Plan, Cell Phone Protection, Purchase Protection, and Extended Warranty.

^*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.

Transfer Partners

Card Fees

Annual Fee

The AMEX Business Platinum Card has an annual fee of $695. (See Rates & Fees)

This is a hefty price, but the card offers over $1,400 in annual credits — being able to use just half of these credits every year will pay for the card. On top of that, you have lounge access, complimentary status with hotels and car rental agencies, superb insurance coverage, and a point rebate that bumps the value of Membership Rewards points to 1.53 cents each. In summary, the card is very much worth the price if you travel even a few times per year.

Authorized User Fee

The fee to add authorized users to the AMEX Business Platinum is $350 per card.

Like the annual fee, this is a high cost BUT additional Business Platinum Cardholders receive fantastic benefits. This includes access to all lounges in the Global Lounge Collection program, complimentary elite status with Marriott, Hilton, and several rental car partners, up to $100 credit for a Global Entry or TSA PreCheck application fee, and much more.

So while this may be a little costly, it is well worth it if the users you add frequently travel.

If your employees or additional cardholders don't plan on traveling, you can add additional Employee Business Expense Cards instead which has no annual fee. These cards are strictly for earning Membership Rewards points and do not feature the array of benefits that comes with additional Business Platinum cards.

Foreign Transaction Fee

The AMEX Business Platinum Card has a 0% foreign transaction fee. If your business deals with international purchases or travel, you will not be penalized when making purchases that are not in U.S. Dollars.

Business Platinum Points Calculator

Use the Business Platinum Points Calculator to determine how many AMEX Points you can earn based on the monthly or yearly spending amounts you enter.

Credit Cards

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.

Clicking on Add Selected Card will add it to the calculator.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

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Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

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Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

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Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

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Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

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Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

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No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

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Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

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Loyalty & Memberships

Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.

Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.

Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.

Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.

Category Spending

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Calc Options

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

Change Order

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Clear All Spend

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

Add Categories

Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.

Type at least 3 characters.

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Category Spending Total

The amount of rewards earned from card spending.

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Rewards & Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Rewards & Bonus Total

The amount of rewards earned from card bonuses.

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Total Rewards & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

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Rewards Average Value By Redemption

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Average Value

This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.

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Transfers To Partners

Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.

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Cash Back, Statement Credits

Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.

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Travel

Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).

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Gift Cards

Redemptions to do with using your rewards towards the purchase of gift cards.

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Reward Transfers To Partners

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Currency Worth

Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.

Rewards Cash Value

The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.

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Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Total Cash Value

The total cash value of all listed benefits plus the cash value of rewards earned.

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Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Annual Fee

This is the fee you must pay annually to have the card.

Authorized User Fee

This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.

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Total Card Value

This is the total cash value of each listed card when factoring in all rewards and all fees.

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