Points · American Express · $895 annual fee
Last verified 2026-09-09. Review issuer source

American Express Business Platinum is a $895-a-year points card from American Express. Its best everyday rates are 1.5x on cloud providers, 1.5x on computer hardware, and 1.5x on electronic stores; everything else earns 1x. The 5x rate applies only to air travel booked through amextravel.com, so treat it as a bonus rather than the reason to apply. Cloud providers is capped at $2,000,000 a year, then drops to the base rate.
On our reference budget of $73,200 a year it earns $1,032, which clears the $895 fee with $137 to spare before any credits or perks. The welcome bonus, 200,000 points after $20,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Earn 5X Membership Rewards® points on flights when you book at AmexTravel.com.
Cap: $2,000,000 per annual
Earn 1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 (then 1X) or more everywhere else, on up to $2 million of these purchases per calendar year.
Cap: $2,000,000 per annual
Earn 1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 (then 1X) or more everywhere else, on up to $2 million of these purchases per calendar year.
Cap: $2,000,000 per annual
Earn 1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 (then 1X) or more everywhere else, on up to $2 million of these purchases per calendar year.
Cap: $2,000,000 per annual
Earn 1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 (then 1X) or more everywhere else, on up to $2 million of these purchases per calendar year.
Earn 5X Membership Rewards® points on prepaid hotels when you book at AmexTravel.com.
Cap: $2,000,000 per annual
Earn 1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 (then 1X) or more everywhere else, on up to $2 million of these purchases per calendar year.
Cap: $2,000,000 per annual
Earn 1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 (then 1X) or more everywhere else, on up to $2 million of these purchases per calendar year.
Earn 200,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your Card within the first 3 months of Card Membership.
A $250 statement credit per calendar year after you spend $600 or more on U.S. purchases directly with Adobe in a calendar year.
Card Members can get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions.
Use Membership Rewards Pay with Points for all or part of an eligible flight booked through American Express Travel and get 35% of those points back, up to 1,000,000 points back per calendar year.Eligible flights include First and Business Class tickets as well as any fare class with your selected qualifying airline booked through American Express Travel.
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.
Build your team, grow your business. Enroll and get up to $360 in statement credits per year (up to $90 back per quarter) for purchases with Indeed on the Business Platinum Card.
Platinum travel counselors specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
With Cell Phone Protection, you can be reimbursed for your repair or replacement costs following damage or theft for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period, when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim.
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck (up to $85) when the application fee is charged to an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee for a five-year membership every 4 years for Global Entry or every 4.5 years for TSA PreCheck. To receive the statement credit, the application fee must be charged on the eligible Additional Card.
When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts. When you book through American Express Travel, you'll receive an average total value of $600 in perks, like daily breakfast for two, 4pm check-out, and more. Plus, book on AmexTravel.com and you can earn 5X Membership Rewards points, or use Pay with Points, on prepaid stays with a minimum 2-night stay required to be eligible for the benefit.Average value based on Fine Hotels + Resorts bookings in 2021 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, noon check-in when available, and complimentary wi-fi. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Business Platinum Card to your Resy profile. Learn more at resy.com/globaldiningaccess, or log into your Resy Account at Resy.com or the Resy iOS app to take advantage.
With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points.
Enjoy bespoke benefits at over 4001 independent luxury hotels across the globe with complimentary Leaders Club Sterling Status from The Leading Hotels of the World®.
Cushion your return to travel with benefits that allow for more flexibility and spontaneity, like late checkouts and member rates. Plus, with Marriott Bonvoy Gold Elite status, you can receive upgrades to enhanced rooms upon check-in when available.
With Preferred Access, you will have access to premium seats for select cultural and sporting events, based on availability. For more information, please visit americanexpress.com/entertainment.
Enjoy complimentary premium status for a number of car rental programs. Once enrolled in a program, receive upgrades when available, discounts, and priority service for your next car rental at participating locations. Enrollment Required. Terms and limitations apply.
With Premium Global Assist Hotline, when you travel more than 100 miles from home, we can provide you with 24/7 medical, legal, financial or other select emergency coordination and assistance services. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.
Make your next trip unforgettable by flying private with Wheels Up. As a Business Platinum Card Member, save on a Wheels Up Connect or Core Membership initiation fee and receive a flight credit to use toward your first Wheels Up flight taken within your first 12 months of Membership. Enrollment required.
Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date. Please read important exclusions and restrictions. Up to $10,000 per occurrence, $50,000 per calendar year.
The American Express Global Lounge Collection can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market.As of 9/2021.
If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
Statement credits up to $150 on U.S. purchases directly with Dell Technologies, and an additional $1,000 statement credit after you spend $5,000 or more on those purchases, per calendar year.
Statement credits up to $10 per month for wireless phone service purchases made directly with a U.S. wireless telephone service provider.
Statement credits up to $200 per calendar year for incidental fees charged by your one selected qualifying airline.
Hilton for Business members can get statement credits of up to $50 quarterly on eligible purchases made directly with Hilton.
Statement credits up to $209 per calendar year for an auto-renewing CLEAR® Plus Membership, excluding taxes and fees.
Statement credits up to $90 per quarter for U.S. purchases made directly with Indeed.
Statement credits up to $300 semi-annually on prepaid bookings through Amex Travel with Fine Hotels + Resorts® or The Hotel Collection®. The Hotel Collection requires a minimum two-night stay.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
The Global Lounge Collection - The American Express Global Lounge Collection® can provide an escape at the airport, with more than 1,400 airport lounges across 650 cities in 140 countries and counting
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Business Platinum®This card · 1.5x on cloud providers | $895 | $1,032 | +$137 | 736th of 752 |
| Business GoldAmerican Express's most-held other card · 4x on advertisements | $375 | $1,848 | +$1,473 | 7th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.