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Cost and value $895 fee
Sign-up bonus 300,000 points, about $6,000
Earning rates Top rate 5x
- 5x via the issuer portal, about 10.0%
- 5x via the issuer portal, about 10.0%
- 2x Key business purchases
Statement credits $4,679 a year
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$219 a year
resets every year
What counts
Statement credits up to $219 per calendar year for an auto-renewing CLEAR® Plus Membership, excluding taxes and fees.
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$120 every 4 years
What counts
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.
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$2,500 a year
$500 every month
What counts
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.
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$600 a year
$300 every 6 months
What counts
Statement credits up to $300 semi-annually on prepaid bookings through Amex Travel with Fine Hotels + Resorts or The Hotel Collection.
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$200 a year
resets every year
What counts
Statement credits up to $200 per calendar year for incidental fees charged by your one selected qualifying airline.
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$100 per stay
What counts
Receive a $100 credit towards eligible charges when booking two nights or more with The Hotel Collection via AmexTravel.com.
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$300 a year
resets every year
What counts
Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business. Enrollment required.
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$120 a year
$10 every month
What counts
Statement credits up to $10 per month for wireless phone service purchases made directly with a U.S. wireless telephone service provider. Enrollment required.
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$150 a year
resets every year
What counts
Statement credits up to $150 on U.S. purchases directly with Dell Technologies, per calendar year.
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$1,000 per use
after $5,000 spend
What counts
An additional $1,000 statement credit after spending $5,000 or more on U.S. purchases directly with Dell Technologies, per calendar year.
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$360 a year
$90 every 3 months
What counts
Up to $90 in statement credits quarterly for purchases with Indeed on the Card, up to $360 back per year. Enrollment required.
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$200 a year
$50 every 3 months
What counts
Hilton for Business members can get statement credits of up to $50 quarterly on eligible purchases made directly with Hilton. Enrollment required.
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$250 per use
after $600 spend
What counts
A $250 statement credit per calendar year after spending $600 or more on U.S. purchases directly with Adobe. Enrollment required.
Transfer partners 20 partners
Status, lounges and travel Avis Preferred Preferred Plus, Hertz Gold Plus Rewards President's Circle, Hilton Honors Gold, Leaders Club Sterling, Marriott Bonvoy Gold Elite, National Emerald Club Executive, 3 lounge benefits
- Avis Preferred: Preferred Plus after you enroll
- Hertz Gold Plus Rewards: President's Circle after you enroll
- Hilton Honors: Gold after you enroll
- Leaders Club: Sterling after you enroll
- Marriott Bonvoy: Gold Elite after you enroll
- National Emerald Club: Executive after you enroll
- Complimentary suite of benefits worth an average total value of $550 per stay when booking Fine Hotels + Resorts through Amex Travel. $550
- 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. $850
- 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 per calendar year (Feb 1 - Jan 31) when flying an eligible Delta flight; unlock unlimited access after spending $75,000 in eligible purchases in a calendar year.
- 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.
Protection and insurance 7 coverages
- If a round-trip is paid entirely with your eligible Card and a covered reason delays your trip more than 6 hours, reimbursement for certain additional expenses up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive months.
- 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.
- 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.
- 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.
- Up to one extra year added to the Original Manufacturer's Warranty on Covered Purchases with warranties of 5 years or less.
- 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.
- Flexibility in spending that adapts based on purchase, payment, and credit history rather than a set limit.
- If a round trip is purchased entirely with your eligible Card and a covered reason cancels or interrupts your trip, reimbursement for non-refundable expenses up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period.
Lifestyle and other perks 9 perks
- 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.
- 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.
Employee cards Some free
- Baggage insurance plan
- Car rental loss and damage insurance
- Car rental privileges Avis Hertz National (Employee Platinum Card only)
- Cell phone protection
- Centurion lounge access (Employee Platinum Card only)
- Delta Sky Club access (Employee Platinum Card only)
- Extended warranty
- Global Entry or TSA PreCheck fee credit
- Hilton Honors gold status (Employee Platinum Card only)
- Leaders Club sterling status (Employee Platinum Card only)
- Marriott Bonvoy gold elite status (Employee Platinum Card only)
- Purchase protection
- The Global lounge collection (Employee Platinum Card only)
- Trip cancellation and interruption insurance
- Trip delay insurance
Application rules 2/90
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2/90
Community-reported
What counts
American Express generally approves at most 2 of its credit cards per 90 days.
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5 credit card limit
Community-reported
What counts
American Express generally limits you to 5 of its credit cards at once.
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10 charge card limit
Community-reported
What counts
American Express generally limits you to 10 of its charge cards at once.
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Once per lifetime
Issuer-stated
What counts
American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.
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