The Business Platinum Card from Amex
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 150,000 Membership Rewards bonus points after spending $20,000 in eligible purchases within the first 3 months of Card Membership (~$3,000 at 2 cents/point transfer-partner valuations; standard public offer, with targeted offers occasionally reaching as high as 300,000 points after $25,000 spend).
Benefits and fees last verified Jun 2026against the issuer's published terms.
Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.
Earning Rates
At a glance
- 150k MR bonus
- $910 in shopping credits
- Centurion lounge access
- 35% flight rebate
Important considerations
- Annual fee to offset
This card carries a $895 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
- High spend to earn the bonus
You must spend $20,000 within 3 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified Jun 2026.
Earning rates
4- 5xlodging
5X Membership Rewards points on flights and prepaid hotels booked through AmexTravel.com (up to 1 million points per calendar year on each category)
- 1.5x
1.5X Membership Rewards points on eligible US purchases of $5,000 or more, on up to $2 million in combined purchases per calendar year
- 1xeverything else
1X Membership Rewards points on all other eligible purchases with no cap
- 1x
Free additional employee cards earning 1X Membership Rewards points on the same account (employee card spend counts toward the welcome bonus and threshold credits)
Statement credits
16- $200Airline Fee CreditYearly
$200 airline incidental fee credit annually
- $150Dell CreditYearly
Up to $150/year in statement credits at Dell Technologies (annual structure since July 2025; was previously $200 semi-annually). Note: separate spend-based bonus tiers may apply, verify current terms.
- $360Indeed CreditQuarterly
$90 quarterly Indeed statement credit
- $250Adobe CreditYearly
Up to $250/year in statement credits at Adobe (raised from $150 effective July 2025).
- $200Up to $200 per year airline incidental fee credit on one selected qualifying US airline (baggage fees, in-flight food and beverages, lounge day passes; does NOT cover airfare or award taxes; enrollment required)
- $200Up to $200 per calendar year Hilton for Business credit on eligible purchases at any Hilton property worldwide (gift cards excluded; enrollment required)
- $300Up to $300 per calendar year in CLEAR Plus credit, fully covering the $209 annual CLEAR membership (subject to auto-renewal; enrollment required)
- $120Up to $120 every 4 years in Global Entry application fee credit, or up to $85 every 4
Up to $120 every 4 years in Global Entry application fee credit, or up to $85 every 4.5 years for TSA PreCheck
- $300Up to $300 per calendar year Dell Technologies credit ($150 in statement credits from January through June, plus $150 from July through December; US purchases only; enrollment required)
- $300Up to $300 per calendar year ChatGPT Business credit on US purchases (subject to auto-renewal; enrollment required)
- $250Up to $250 per calendar year Adobe credit, issued as a statement credit after $600 or more in US purchases directly with Adobe (enrollment required)
- $360Up to $360 per calendar year Indeed credit ($90 in statement credits each quarter on Indeed.com purchases; unused quarterly amounts do not roll over; enrollment required)
- $120Up to $120 per calendar year wireless telephone service credit ($10 in statement credits each month on US wireless purchases made directly with a wireless provider; enrollment required)
- $100Access to American Express Fine Hotels + Resorts (FHR) with daily breakfast for two, noon check-in when available, guaranteed 4 PM late checkout, room upgrade when available, and a $100+ property credit on every stay
- $100Access to The Hotel Collection with $100 property credit and one-category room upgrade when available on stays of 2+ consecutive nights
- Amex Offers
Amex Offers: targeted statement credits and bonus point offers on enrollment with merchants
Perks & memberships
8- Lounge accessComplimentary access to American Express Global Lounge Collection: Centurion Lounges worldwide, Escape Lounges (The Centurion Studio Partner), Plaza Premium Lounges, select Virgin Atlantic Clubhouses, Priority Pass Select lounges (enrollment required, unlimited visits with guests subject to lounge rules)
- Elite statusComplimentary Marriott Bonvoy Gold Elite status upon enrollment (room upgrades when available, 25% bonus on Marriott points, 2 PM late checkout when available)
- Elite statusComplimentary Leading Hotels of the World Sterling status upon enrollment
- Elite statusComplimentary Hertz Gold Plus Rewards President's Circle elite status upon enrollment (free upgrades when available, choice of car in select locations)
- Elite statusComplimentary Avis Preferred status upon enrollment
- Elite statusComplimentary National Car Rental Emerald Club Executive status upon enrollment
- No foreign feesNo foreign transaction fees on purchases made outside the United States
- Payment flexibilityPay Over Time and Pay It Plan It flexibility on eligible business charges
Travel & purchase protections
8- Cell phone protection: up to $800 per claim against damage or theft (maximum 2 claims per 12-month period, $50 deductible) when you pay your monthly wireless bill with the card
- Primary Car Rental Loss and Damage Insurance for theft or accidental damage to rental vehicles when you pay with the card and decline the rental company's CDW
- Trip Delay Insurance: up to $500 per covered trip when your common carrier trip is delayed more than 6 hours (maximum 2 claims per 12 consecutive months)
- Trip Cancellation and Interruption Insurance: up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive months when round-trip is purchased with the card
- Baggage Insurance Plan: up to $2,000 per bag (carry-on or checked), with a $10,000 aggregate maximum per covered trip when you pay common-carrier fare with the card
- Extended Warranty: extends original US manufacturer warranty by up to 1 additional year on warranties of 5 years or less
- Purchase Protection: covers eligible purchases against theft, damage, or accidental loss for up to 90 days from the purchase date (up to $10,000 per occurrence)
- Global Assist Hotline: 24/7 medical, legal, financial, and other emergency referrals when traveling more than 100 miles from home (card-member pays for any third-party services)
More benefits & fine print (1)ShowHide
- Send & Spend American Express checks for vendor payments where cards aren't accepted
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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Transfer Partners
Full guide →Amex Membership Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $20,000 in the first 3 months to earn the 150,000 Membership Rewards points bonus.
See the Current Offer
Earn 150,000 Membership Rewards points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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