At first glance, card_name seems out of reach for the average person because of the high annual fee of annual_fees. Ouch, right? But I’ll share my review of the Business Platinum Card® from American Express and tell you why this card works for me—and might work for you, too.

 

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Annual fee: annual_fees For rates and fees of the Business Platinum Card® from American Express, See rates and fees.  
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Find out your offer on applying.

Basics of the Business Platinum Card® from American Express

This card is a business card, so it won’t take a 5/24 spot.

The minimum spend on this card is higher than most, so you will want to open it when you have big expenses coming up.

 

The Business Platinum Card® from American Express Benefits

This is where the card shines. If you take advantage of these benefits, you can actually come out ahead on the annual_fees annual fee.

Enrollment required for select benefits.

• As high as 300,000 points. Find out your offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new card in your first 3 months of membership. Welcome offers vary, and you may not be eligible for an offer.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card® from American Express is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
• Fly like a pro with a $200 airline fee credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through American Express Travel®.
• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card® and an additional $1,000 statement credit after you spend $5,000 or more on that same card per calendar year.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business on the Business Platinum Card®. Subject to auto-renewal.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card®.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card®. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card®. That’s up to $120 back per year. 
• 2x points on purchases at U.S. construction material; hardware suppliers, electronic goods retailers, and software; cloud system providers; and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5x points on flights and prepaid hotels on AmexTravel.com
• 1x points on other eligible purchases

Terms apply.

The benefits that I use each year easily are the $600 Fine Hotels + Resorts® credit, the airline incidental credit, and the $10 telephone service credit, which has a value of $920—easily over my annual fee. Add on the lounge credit and it is a no-brainer for me.

 

 

 

Bottom Line

If you love American Express Membership Rewards®, have a business, and can take advantage of the benefits on this card, you may want to consider the Business Platinum Card® from American Express.

For rates and fees of the card_name, see Rates and Fees; terms apply.

Opinions, reviews, analyses, and recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities. Terms apply.

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