American Express Business Platinum Card
| Annual fee | $895 Fact |
| Foreign transaction fee | None |
| Rewards currency | Membership Rewards Points |
| Est. point value | 2.00¢ Estimate |
Last updated Sep 12, 2026
Checked Sep 12, 2026
Before you apply
General American Express policies as commonly reported by applicants, not a prediction about your application.
📈 Sign-up bonus history
5-year best: 300,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Sep 2021 to Jan 2022 · 4 mo | 100,000 points | $15,000 |
| Jan 2022 to May 2024 · 2.3 yr | 120,000 points | $15,000 |
| May 2024 to Jul 2024 · 2 mo | 150,000 points | $20,000 |
| Jul 2026 to now · 2 mo | 300,000 points Best | $20,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Travel | 5x | Membership Rewards Points | No cap |
| Other | 2x | Membership Rewards Points | $2,000,000/yr |
| Everything else | 1x | Membership Rewards Points | No cap |
Your elite status
Recurring credits
Estimated value| Statement credits up to $300 semi-annually on prepaid bookings through Amex Travel with Fine Hotels + Resorts or The Hotel Collection. | $600/yr (Semiannual) |
| Up to $90 in statement credits quarterly for purchases with Indeed on the Card, up to $360 back per year. Enrollment required. | $360/yr (Quarterly) |
| Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business. Enrollment required. | $300/yr (Calendar Year) |
| Statement credits up to $219 per calendar year for an auto-renewing CLEAR+ Membership, excluding taxes and fees. | $219/yr (Calendar Year) |
| Statement credits up to $200 per calendar year for incidental fees charged by your one selected qualifying airline. | $200/yr (Calendar Year) |
| Hilton for Business members can get statement credits of up to $50 quarterly on eligible purchases made directly with Hilton. Enrollment required. | $200/yr (Quarterly) |
| Statement credits up to $150 on U.S. purchases directly with Dell Technologies, per calendar year. | $150/yr (Calendar Year) |
| Statement credits up to $10 per month for wireless phone service purchases made directly with a U.S. wireless telephone service provider. Enrollment required. | $120/yr (Monthly) |
| Receive a $100 credit towards eligible charges when booking two nights or more with The Hotel Collection via AmexTravel.com. | $100/yr (one-time/annual) |
| Receive a $120 statement credit for Global Entry or up to $85 for TSA PreCheck application fee every 4 years when charged to the card. | $30/yr (one-time/annual) |
| A $250 statement credit per calendar year after spending $600 or more on U.S. purchases directly with Adobe. Enrollment required. | $250 (Calendar Year) after $600 spend |
| An additional $1,000 statement credit after spending $5,000 or more on U.S. purchases directly with Dell Technologies, per calendar year. | $1,000 (Calendar Year) after $5,000 spend |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsAccess to Centurion Lounges, 10 complimentary Delta Sky Club visits when flying eligible Delta flights, Priority Pass Select membership, and other select partner lounges, valued over $850 annually.
Complimentary access to The Centurion Lounge when traveling, part of the Global Lounge Collection with over 1,550 airport lounges worldwide.
10 complimentary Delta Sky Club visits each year when flying eligible Delta flights, with option to unlock unlimited access after meeting spend thresholds.
Complimentary suite of benefits worth an average total value of $550 per stay when booking Fine Hotels + Resorts through Amex Travel.
Complimentary premium status for select car rental programs including Avis, Hertz, and National. Enrollment required.
Hilton Honors Gold status providing benefits at hotels and resorts within the Hilton Portfolio and faster reward stays. Enrollment required.
Receive Marriott Bonvoy Gold Elite Status without meeting any stay requirements. Enrollment required.
Complimentary Leaders Club Sterling Status from The Leading Hotels of the World, offering bespoke benefits at over 400 independent luxury hotels. Enrollment required.
24/7 medical, legal, financial, and other select emergency coordination and assistance services while traveling more than 100 miles from home.
Platinum Travel Consultants specialize in providing custom itineraries and tailored recommendations for travel.
Get 35% points back after using Pay with Points for flights booked through Amex Travel with your selected qualifying airline, up to 1,000,000 points back per calendar year.
Access to purchase Amex Presale Tickets and Amex Reserved Tickets to select events across sports, music, and more.
Access to exclusive reservations, Priority Notify, and a badge on your Resy profile indicating Global Dining Access membership.
Special access to reservations on select nights in select cities at participating in-demand Resy restaurants.
Covers new purchases against theft, damage, or loss for up to 90 days, up to $10,000 per purchase and $50,000 per calendar year.
Up to one extra year added to the Original Manufacturer's Warranty on Covered Purchases with warranties of 5 years or less.
Reimbursed for repair or replacement of damaged or stolen cell phone up to $800 per claim, limit 2 approved claims per 12-month period, $50 deductible applies.
Flexibility in spending that adapts based on purchase, payment, and credit history rather than a set limit.
Coverage for lost, damaged, or stolen baggage up to $2,000 for checked baggage and up to $3,000 combined for checked and carry-on baggage when purchasing the entire fare on an Eligible Card.
Reimburses non-refundable expenses up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period for covered cancellations or interruptions.
Reimburses certain additional expenses up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period, if a covered reason delays trip more than 6 hours.
Coverage for damage to or theft of a rental vehicle when using the card to reserve and pay for the entire rental and declining the CDW. Secondary coverage, no liability coverage.
Assign a trusted team member to oversee your American Express account, handling payments, transactions, and Employee Cards.
Streamline expenses by sending Business Platinum Card transactions to QuickBooks.
Ability to carry a balance with interest up to your Pay Over Time Limit.
No monthly fee for first user and no fee for second user for six months when enrolling in Vendor Pay by Bill.com.
Real-time Merchant Category Alerts for employee spending outside approved merchant types; no annual fee option available.
Between 25 to 53 days to pay with no interest if prior and current statement balances are paid in full by the due date.
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.