American Express

American Express Business Platinum Card

Business News on this card

Annual fee	$895 Fact
Foreign transaction fee	None
Rewards currency	Membership Rewards Points
Est. point value	2.00¢ Estimate

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Last updated Oct 28, 2026

Checked Oct 28, 2026

Before you apply

2/90. American Express generally approves at most 2 of its credit cards per 90 days. Community-reported.

Once per lifetime. American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language. Issuer-stated.

5 credit card limit. American Express generally limits you to 5 of its credit cards at once. Community-reported.

10 charge card limit. American Express generally limits you to 10 of its charge cards at once. Community-reported.

General American Express policies as commonly reported by applicants, not a prediction about your application.

Sign-up bonus history

5-year best: 300,000 points

$15k spend $20k spend 5-year best

View as a table

Period	Bonus	Spend requirement
Oct 2021 to Jan 2022 · 3 mo	100,000 points	$15,000
Jan 2022 to May 2024 · 2.3 yr	120,000 points	$15,000
May 2024 to Sep 2025 · 16 mo	150,000 points	$20,000
Sep 2025 to Jul 2026 · 10 mo	200,000 points	$20,000
Jul 2026 to now · 3 mo	300,000 points Best	$20,000

Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.

How you earn

Category	Rate	Currency	Cap
Travel (issuer portal) Earn 5X Membership Rewards points on flights and prepaid hotels booked through Amex Travel, including Fine Hotels + Resorts and The Hotel Collection.	5x	n/a	No cap
Key business purchases	2x	Membership Rewards points	$2,000,000/yr
Everything else	1x	Membership Rewards Points	No cap

Conditional earning rates

Rate	When it applies
2x	Earn 2X points on eligible purchases in key business categories, or on purchases of $5K or more, up to $2 million of these purchases per calendar year.

Your elite status

Status This card gives you Preferred Plus status with Avis Preferred. Enrollment required.

Status This card gives you President's Circle status with Hertz Gold Plus Rewards. Enrollment required.

Status This card gives you Gold status with Hilton Honors. Enrollment required.

Status This card gives you Sterling status with Leaders Club. Enrollment required.

Status This card gives you Gold Elite status with Marriott Bonvoy. Enrollment required.

Status This card gives you Executive status with National Emerald Club. Enrollment required.

Recurring credits

Estimated value

Complimentary American Express ZO Membership from Tishman Speyer, including access to ZO locations in select U.S. cities with 4 guest passes per week, 4 complimentary day passes per month at U.S. Studio locations, and up to $500 in statement credits per calendar year toward event space bookings and/or a Dining Club membership. Shared across the account	$2,500/yr (Monthly)
Statement credits up to $300 semi-annually on prepaid bookings through Amex Travel with Fine Hotels + Resorts or The Hotel Collection. Shared across the account Cards that cover American Express Travel Cards that cover 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. Shared across the account	$360/yr (Quarterly)
Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business. Enrollment required. Shared across the account Cards that cover ChatGPT	$300/yr (Calendar Year)
Statement credits up to $219 per calendar year for an auto-renewing CLEAR® Plus Membership, excluding taxes and fees. Shared across the account Cards that cover CLEAR Plus	$219/yr (Calendar Year)
Statement credits up to $200 per calendar year for incidental fees charged by your one selected qualifying airline. Shared across the account	$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. Shared across the account Cards that cover Hilton	$200/yr (Quarterly)
Statement credits up to $150 on U.S. purchases directly with Dell Technologies, per calendar year. Shared across the account	$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. Shared across the account	$120/yr (Monthly)
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. Also for each employee card Cards that cover Global Entry/TSA PreCheck	$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. Shared across the account	$250 (Calendar Year) after $600 spend
Receive a $100 credit towards eligible charges when booking two nights or more with The Hotel Collection via AmexTravel.com. Shared across the account Cards that cover The Hotel Collection	$0/yr (Per use)
An additional $1,000 statement credit after spending $5,000 or more on U.S. purchases directly with Dell Technologies, per calendar year. Shared across the account	$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 facts

Airport Lounges 3

$850 value

Access 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.