The Business Platinum Card® from American Express Review

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been superb and elevated each my journey and my enterprise. Others have been…properly, lackluster.

The most effective? The Business Platinum Card® from American Express. It comes with plenty of world-class perks and advantages, high quality buyer care, and a stable rewards construction (particularly on giant purchases).

Whereas the annual charge is fairly excessive ($695, pay over time obtainable. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard price carrying. I believe it’s an excellent alternative for enterprise homeowners who journey regularly.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Specific?

The Business Platinum Card® from American Express is a journey rewards card geared in direction of enterprise homeowners. (Bear in mind: even aspect hustles and freelancing depend as companies so you will get this card even with out being an LLC.) First, let’s go over among the greatest belongings you get whenever you enroll, which make it a no brainer to get for the primary yr:

• Restricted Time Provide: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked instantly with airways or via American Specific Journey together with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You possibly can earn one or each of those provides. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go inns, and short-term leases and pay as you go flight + resort packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US building materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and transport suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar yr. Purchases eligible for a number of extra level bonuses will solely obtain the very best eligible bonus.
• Complimentary entry to the American Specific World Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 nations. Entry is restricted to eligible Card Members.
• As much as $120 in assertion credit for World Entry or TSA Pre-check each 4 years.
• As much as $199 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar yr for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar yr whenever you make an eligible buy at Hilton properties. (Distributed in as much as $50 increments per quarter. Hilton for Enterprise program membership is required.)
• $150 credit score with Adobe on eligible annual pay as you go marketing strategy purchases of Adobe Inventive Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card via 6/30/25.
• As much as $120 per calendar yr in assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 again per thirty days).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No international transaction charges

Utilizing Your Membership Rewards Factors

You’ll earn Membership Rewards factors with The Business Platinum Card® from American Express. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are among the most dear factors on the market.

These are Amex’s present journey companions:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Membership (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Membership (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Alternative Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Visitor (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Membership (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Membership (1:1 ratio)

Most transfers are on the spot, although some can take as much as 48 hours.

You can even use your Membership Rewards factors to e book flights and inns within the Amex Journey portal. I typically wouldn’t do that although because it’s not the perfect use of your factors. It’s all the time higher to switch them out to considered one of their companions. Nevertheless, you will get 35% factors again whenever you do e book through their portal so simply examine the factors prices between each earlier than making a choice.

Breaking Down the Enterprise Platinum’s Credit and Advantages

Amex playing cards are well-known for his or her plethora of perks and advantages. They’re a giant cause I like their playing cards. And, if you happen to can benefit from all that it has to supply, the Enterprise Platinum boasts over $1,700 price of worth. However, with so many classes and a lot tremendous print, it may be onerous to maintain monitor of whether or not a profit is definitely helpful to your spending habits. So, that can assist you determine if the cardboard is best for you, I need to break down among the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, World Entry/TSA PreCheck)
The most effective issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into among the prime lounges worldwide, together with the superb Centurion Lounges and Delta Sky Golf equipment (whenever you’re flying Delta, with as much as 10 visits per yr).

On prime of that, you’ll get complimentary entry to the large Precedence Cross community. If having a quiet house to calm down, seize a drink, or get some work executed is a precedence whenever you journey, this card has you coated just about wherever.

I additionally admire that the Enterprise Platinum helps you get via the airport sooner. It provides as much as $199 in assertion credit annually for a CLEAR® Plus membership, which speeds you thru safety strains.

You’ll additionally get a credit score for World Entry (as much as $100 each 4 years) or TSA PreCheck (as much as $85 each 4.5 years), relying on which one you select. I personally suggest going for World Entry. It takes somewhat extra effort (there’s an interview), however it consists of TSA PreCheck too. It’ll prevent a ton of time if you happen to journey internationally.

Airline and Lodge Credit
One other travel-related profit is the as much as $200 airline credit score. Sadly, it comes with a good variety of restrictions, making this credit score a bit extra annoying to make use of. It may solely be used on one (pre-selected) airline, and you’ll solely use it for incidentals, not airfare. However if you happen to don’t have an airline bank card that provides free baggage, it may be helpful to have. You can even use the credit score for airline bills like paid seat choice or on-board food and drinks.

The Enterprise Platinum additionally provides a couple of Hilton-related advantages. First, you’ll be able to obtain as much as $200 in assertion credit at Hilton properties when booked instantly. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property at the least 4 instances a yr to get the complete worth of this credit score. However if you happen to’re on the highway quite a bit, that may be straightforward to do.

Second, the Enterprise Platinum provides complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which supply further perks and advantages when staying at these properties.

Enterprise-Associated Assertion Credit
The Enterprise Platinum card comes with some nice perks to assist lighten the monetary load of operating a enterprise. Bills can actually add up if you happen to’re managing a enterprise whereas touring, so I admire that the Enterprise Platinum helps offset these prices.

You possibly can stand up to $400 in assertion credit on U.S. Dell purchases (via June 30, 2025, break up into $200 chunks each six months). There’s additionally as much as $360 again per yr on Certainly adverts (as much as $90 every quarter), which is nice if you happen to’re hiring as your small business grows.

If you happen to use Adobe instruments, there’s a $150 credit score obtainable whenever you prepay yearly for eligible Adobe Inventive Cloud or Acrobat Professional plans for groups. And to maintain you linked on the go, you’ll stand up to $120 a yr for purchases made instantly with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Presents
On prime of all these beneficial assertion credit, the Enterprise Platinum offers you entry to Amex Presents, a simple means to avoid wasting money or rack up further factors with a variety of outlets. These offers rotate commonly and are personalised, so what reveals up for you may be completely completely different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I all the time verify Amex Presents earlier than I buy. (The private card provides this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless suggest shopping for a standalone coverage for medical, this card consists of robust built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally consists of mobile phone safety for injury or theft, a uncommon however beneficial perk. For a most of $800 per declare, with a restrict of two permitted claims per 12-month interval, when your mobile phone line is listed on a wi-fi invoice and the prior month’s wi-fi invoice was paid by an Eligible Card Account. A $50 deductible will apply to every permitted declare.

So, whilst you might get away with the cardboard’s insurance coverage if you happen to e book the journey on the cardboard, I wouldn’t depend on it fully. Nevertheless it’s higher than most!

Do you have to get this card?

The Enterprise Platinum is good for frequent vacationers who can take advantage of perks like smoother airport experiences and resort elite standing. If you happen to can benefit from a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual charge price it. I get plenty of worth from the cardboard via the assertion credit that make carrying the cardboard after the primary yr actually price it.

Whereas it’s true you solely get 1x level per greenback spent on something underneath $5,000 (which isn’t nearly as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex provides, and companions you don’t discover wherever else make this card important for any enterprise proprietor.