The Business Platinum Card
300,000 points welcome · 5x on flights (via portal) · $895/yr
The Business Platinum is built for a business that travels and spends heavily: 5x points on flights and prepaid hotels booked through Amex Travel, Centurion Lounge and Priority Pass access, and a welcome offer that recently jumped from 200,000 to 300,000 points after $20,000 in spending in the first three months. Beyond travel, it earns 2x at U.S. construction and hardware suppliers, electronics and software retailers, shipping providers, and on purchases of $5,000 or more, up to $2 million a year across those 2x categories. The catch is the $895 annual fee, which only pencils out if you actually use a long list of enrollment-heavy credits: $300 for ChatGPT, $360 for Indeed, $250 for Adobe after $600 in spend, $200 in airline fees, $200 at Hilton, $150 at Dell, $120 for wireless service, CLEAR Plus, and semi-annual hotel credits on Fine Hotels + Resorts or Hotel Collection bookings. Ordinary spending outside those categories earns only 1x, so this is a poor fit as a general-purpose card. Get it if your business already pays for several of those services and books travel through Amex; otherwise the fee is hard to justify.
Earn rates & credits
| Category | Rate |
|---|---|
Flights (via Portal) Flights booked through Amex Travel | 5x |
Hotels (via Portal) Prepaid hotels booked through Amex Travel | 5x |
Home Improvement U.S. construction material and hardware suppliers; up to $2 million per calendar year across all 2x purchases, then 1x on first $2,000,000/yr, then 1x | 2x |
Electronics Stores U.S. electronic goods retailers and software and cloud system providers; up to $2 million per calendar year across all 2x purchases, then 1x on first $2,000,000/yr, then 1x | 2x |
Shipping U.S. shipping providers; up to $2 million per calendar year across all 2x purchases, then 1x on first $2,000,000/yr, then 1x | 2x |
Everything Else 2x on each eligible purchase of $5,000 or more, sharing the $2 million calendar-year cap with the 2x categories | 1x |
| Benefit | Value |
|---|---|
ChatGPT Credits $300 in annual ChatGPT credits for AI-powered productivity tools | $300 /yr |
Airline Fee Credit Select one qualifying airline per year for incidental fee credits like baggage and seat upgrades | $200 /yr |
Dell Technologies Credit Up to $150 back on U.S. Dell purchases, plus another $1,000 after $5,000 in annual Dell spend | $150 /yr |
Hilton for Business Credit Up to $50 per quarter on eligible purchases made directly with Hilton portfolio properties | $50 /qtr |
Indeed Credit $90 per quarter in statement credits for Indeed job postings and sponsored jobs | $90 /qtr |
Adobe Creative Solutions Credit $250 statement credit after $600 or more in annual U.S. purchases made directly with Adobe | $250 /yr |
Wireless Telephone Credit $10/month in statement credits toward wireless telephone services purchased directly from U.S. providers | $10 /mo |
Global Entry / TSA PreCheck Credit Statement credit every 4 years for the $120 Global Entry application fee or up to $85 for TSA PreCheck | $120 every 4 yr |
CLEAR Plus Credit Up to $219 in statement credits per calendar year for CLEAR Plus airport security membership | $219 /yr |
Hotel Credit Statement credits up to $300 semi-annually on prepaid bookings through Amex Travel with Fine Hotels + Resorts or The Hotel Collection (Hotel Collection requires a two-night minimum) | $150 / 6 mo |
The Hotel Collection Credit Statement credit of $100 towards eligible charges when you book two nights or more with The Hotel Collection on AmexTravel.com | $100 |
| Total annual credits | $2,129 |
Card details
Regular APR | 17.74%–28.49% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
The Business Platinum CardBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.