The Business Platinum Card from Amex

Earning Rates

Key Benefits

• 150k MR bonus
• $910 in shopping credits
• Centurion lounge access
• 35% flight rebate

All Benefits

• 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 Membership Rewards points on eligible US purchases of $5,000 or more, on up to $2 million in combined purchases per calendar year
• 1X Membership Rewards points on all other eligible purchases with no cap
• Up 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)
• Up to $200 per calendar year Hilton for Business credit on eligible purchases at any Hilton property worldwide (gift cards excluded; enrollment required)
• Up to $300 per calendar year in CLEAR Plus credit, fully covering the $209 annual CLEAR membership (subject to auto-renewal; enrollment required)
• Up to $120 every 4 years in Global Entry application fee credit, or up to $85 every 4.5 years for TSA PreCheck
• Up 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)
• Additional $1,000 statement credit after you spend $5,000 or more on US purchases directly with Dell Technologies per calendar year (stackable with the $300 base Dell credit; enrollment required)
• Up to $300 per calendar year ChatGPT Business credit on US purchases (subject to auto-renewal; enrollment required)
• Up to $250 per calendar year Adobe credit, issued as a statement credit after $600 or more in US purchases directly with Adobe (enrollment required)
• Up 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)
• Up 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)
• Complimentary 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)
• Complimentary access to Delta Sky Clubs when flying Delta same-day (with the ability to unlock unlimited Delta Sky Club visits after $75,000 in eligible purchases per calendar year)
• Complimentary Marriott Bonvoy Gold Elite status upon enrollment (room upgrades when available, 25% bonus on Marriott points, 2 PM late checkout when available)
• Complimentary Hilton Honors Gold status upon enrollment (80% bonus points, daily food and beverage credit at US Hilton properties, space-available room upgrades)
• Complimentary Leading Hotels of the World Sterling status upon enrollment
• Complimentary Hertz Gold Plus Rewards President's Circle elite status upon enrollment (free upgrades when available, choice of car in select locations)
• Complimentary Avis Preferred status upon enrollment
• Complimentary National Car Rental Emerald Club Executive status upon enrollment
• Access 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
• Access to The Hotel Collection with $100 property credit and one-category room upgrade when available on stays of 2+ consecutive nights
• After spending $250,000 or more on the card in a calendar year, unlock up to $3,600 in additional annual statement credits: $1,200 Amex Travel credit, $2,400 toward American Express One AP monthly fees when paying suppliers, and other threshold bonuses
• Membership Rewards points transfer to 17+ airline partners (Delta SkyMiles, Air Canada Aeroplan, ANA Mileage Club, British Airways Avios, Air France/KLM Flying Blue, Virgin Atlantic, Singapore KrisFlyer, Cathay Pacific, Qantas, Etihad, Emirates, Iberia, Avianca LifeMiles, Aer Lingus AerClub, Hawaiian) and 3 hotel partners (Marriott Bonvoy, Hilton Honors, Choice Privileges) at varying ratios
• 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)
• No foreign transaction fees on purchases made outside the United States
• Free additional employee cards earning 1X Membership Rewards points on the same account (employee card spend counts toward the welcome bonus and threshold credits)
• Pay Over Time and Pay It Plan It flexibility on eligible business charges
• American Express Business App, Vendor Pay by Bill.com, QuickBooks integration, spend management dashboards for business cardholders
• Amex Offers: targeted statement credits and bonus point offers on enrollment with merchants
• Send & Spend American Express checks for vendor payments where cards aren't accepted
• Not offered: no airline elite status conferral (unlike some travel cards)
• Not offered: no Walmart+ membership credit (that benefit is exclusive to the consumer Platinum, not Business Platinum)
• Not offered: no Uber Cash or Uber VIP (that benefit is on the consumer Platinum only)
• Not offered: no Saks Fifth Avenue credit (consumer Platinum only)
• Not offered: no Equinox+ credit (consumer Platinum only)
• Not offered: IHG One Rewards Platinum Elite is NOT included on Business Platinum (only on the consumer Platinum and a few co-brand cards)
• Not offered: no cell phone trip-deductible reduction or replacement value (coverage is capped at $800/claim, not full retail)

Amex Membership Rewards points transfer to these loyalty programs:

Delta SkyMiles

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Air France/KLM Flying Blue

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British Airways Avios

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Singapore KrisFlyer

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ANA Mileage Club

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Air Canada Aeroplan

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Emirates Skywards

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Avianca LifeMiles

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Hilton Honors

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Marriott Bonvoy

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