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 wonderful and elevated each my journey and my enterprise. Others have been…properly, lackluster.

Among the finest? The Business Platinum Card® from American Express. It comes with lots of world-class perks and advantages, high quality buyer care, and a strong rewards construction (particularly on massive purchases).

Whereas the annual price is fairly excessive ($695, pay over time out there. 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 awesome alternative for enterprise homeowners who journey incessantly.

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 facet hustles and freelancing rely as companies so you will get this card even with out being an LLC.) First, let’s go over among the finest stuff you get while 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 may earn one or each of those affords. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go resorts, and short-term leases and pay as you go flight + lodge 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 further level bonuses will solely obtain the very best eligible bonus.
• Complimentary entry to the American Specific International Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 nations. Entry is proscribed to eligible Card Members.
• As much as $120 in assertion credit for International 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 while 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 Artistic 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 30 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 worthy 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)
• Selection 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 instantaneous, although some can take as much as 48 hours.

You too can use your Membership Rewards factors to e-book flights and resorts 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. Nonetheless, you will get 35% factors again while you do e-book by way of their portal so simply examine the factors prices between each earlier than making a call.

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 an enormous motive I really like their playing cards. And, in case you can make the most of all that it has to supply, the Enterprise Platinum boasts over $1,700 price of worth. However, with so many classes and a lot advantageous print, it may be exhausting to maintain observe of whether or not a profit is definitely helpful to your spending habits. So, that will help you resolve 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, International Entry/TSA PreCheck)
Among the finest 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 high lounges worldwide, together with the wonderful Centurion Lounges and Delta Sky Golf equipment (while you’re flying Delta, with as much as 10 visits per yr).

On high of that, you’ll get complimentary entry to the massive Precedence Go community. If having a quiet house to loosen up, seize a drink, or get some work executed is a precedence while you journey, this card has you lined just about anyplace.

I additionally recognize that the Enterprise Platinum helps you get via the airport quicker. It affords as much as $199 in assertion credit every year for a CLEAR® Plus membership, which speeds you thru safety traces.

You’ll additionally get a credit score for International 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 advocate going for International Entry. It takes a little bit extra effort (there’s an interview), nevertheless it contains TSA PreCheck too. It’ll prevent a ton of time in case you journey internationally.

Airline and Resort 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 will probably solely be used on one (pre-selected) airline, and you may solely use it for incidentals, not airfare. However in case you don’t have an airline bank card that gives free baggage, it may be helpful to have. You too can use the credit score for airline bills like paid seat choice or on-board food and drinks.

The Enterprise Platinum additionally affords a couple of Hilton-related advantages. First, you possibly can 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 total worth of this credit score. However in case you’re on the street loads, that may be simple to do.

Second, the Enterprise Platinum affords complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which supply additional 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 working a enterprise. Bills can actually add up in case you’re managing a enterprise whereas touring, so I recognize that the Enterprise Platinum helps offset these prices.

You may rise up to $400 in assertion credit on U.S. Dell purchases (via June 30, 2025, cut 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 in case you’re hiring as your small business grows.

In the event you use Adobe instruments, there’s a $150 credit score out there while you prepay yearly for eligible Adobe Artistic Cloud or Acrobat Professional plans for groups. And to maintain you related on the go, you’ll rise up to $120 a yr for purchases made instantly with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Gives
On high of all these useful assertion credit, the Enterprise Platinum offers you entry to Amex Gives, a straightforward manner to avoid wasting money or rack up additional factors with a variety of outlets. These offers rotate often and are personalised, so what exhibits up for you could 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 Gives earlier than I buy. (The private card affords this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless advocate shopping for a standalone coverage for medical, this card contains robust built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally contains mobile phone safety for harm or theft, a uncommon however useful perk. For a most of $800 per declare, with a restrict of two accepted 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 accepted declare.

So, when you may get away with the cardboard’s insurance coverage in case you e-book the journey on the cardboard, I wouldn’t depend on it utterly. Nevertheless it’s higher than most!

Do you have to get this card?

The Enterprise Platinum is right for frequent vacationers who can benefit from perks like smoother airport experiences and lodge elite standing. In the event you can make the most of a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual price price it. I get lots 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 beneath $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 affords, and companions you don’t discover anyplace else make this card important for any enterprise proprietor.

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