This website is an independent, advertising-supported comparison service. We have financial relationships with some of the products and services found on this site and may be compensated if you choose to use any of these links. Some card offers that appear on this site are from companies from which this website receives compensation. This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.
Use our Best Rewards Credit Card Finder Tool to find the highest credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly spend amounts you enter.
Use our Best Rewards Credit Card Finder Tool to find the highest business credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly expenses you enter.
Calculate the transfer of points and miles between various loyalty programs worldwide and find out which credit card partners will earn you the most rewards.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
This card is not available through The Point Calculator.
Earning Rates
Earn 5X points on flights and prepaid hotels on AmexTravel.com.
Earn 1.5X points in key business categories and on eligible purchases of $5K or more everywhere else, on up to $2 million of these purchases per calendar year.
Earn 1X points for each dollar you spend on all other eligible purchases.
Intro Bonus
Main Benefits
Over $1,400 in annual credits, complimentary global lounge access (Centurion Lounges, Delta SkyClub Lounges, Priority Pass Lounges, and more), 35% point rebate on airfare booked via AMEX Travel, complimentary status with Marriott and Hilton, access to Fine Hotels & Resorts and The Hotel Collection, travel coverage, and much more.
Some benefits may require enrollment.
Rewards Details
Membership Rewards Points earned with the American Express Business Platinum Card are worth up to 1.53 cents each when redeemed towards airfare via American Express Travel due to the 35% Airline Bonus (rebate) you'll receive.
The Business Platinum Card offers a long list of top notch travel perks, useful business credits, and a great return on airfare and hotels booked through American Express Travel. Thanks to the 35% rebate the Card offers, you'll be able to easily redeem your points for a minimum value of 1.53 cents each towards airfare using amextravel.com which is a great way to boost the value of your points earned across all Membership Rewards credit cards.
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 eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
1 point per $1 spent for each dollar you spend on all other eligible purchases.
Rewards Value
Loading Info
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.
$189 CLEAR Plus Credit: Use your card and get up to $189 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
Loading Info
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.
Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
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.
Loading...
Loading...
Loading...
Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Search Cards
Search for a credit card by name, rewards program, or the rewards currency it earns.
Search Results Display Here
Family Cards
These cards are part of the same family and generally earn the same type of rewards.
Loading...
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.
Loading...
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.
Loading...
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.
Loading...
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.
Loading...
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.
Loading...
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.
Loading...
Loading...
Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
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.
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 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.
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.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
-
-
-
-
-
-
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.
-
-
-
-
-
-
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).
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.
-
-
-
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.
-
-
-
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.
-
-
-
Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
-
-
-
Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
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.
-
-
-
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.
-
-
-
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.
#
-
#
-
#
-
Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
-
-
-
Learn More
Learn more about the card through our partners.
Our Top Credit Card Picks
We've run the calculations and checked them twice — here are the credit cards that consistently provide outstanding value to our users:
CardMatch matches you with personalized credit card offers based on your credit profile. It's free, secure, and doesn't impact your credit score! Get results in seconds.
