Points, Miles & Credit Cards

Review: The Business Platinum Card® from American Express

May 12, 2026

9 min read

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Who is The Business Platinum Card® from American Express for?

If you’re an entrepreneur who wants to travel in luxury and style, the Business Platinum Card® from American Express may be the right fit for you. But prepare yourself for some sticker shock when you see the annual fee!

Amex Business Platinum Quick Facts

Annual fee: annual_fees(See Rates and Fees)

Foreign transaction fee: foreign_transaction_fee

Earning rate:

2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.

Pros and cons

Pros:

Card gives you access to airport lounges, including the American Express Global Lounge Collection®
Statement credits for travel perks (see below for more details)

Cons:

Eye-popping annual fee
Few spending categories earn bonus points
Other American Express business cards offer higher earning rates on common spending categories

Our take

The Business Platinum Card offers an impressive range of travel benefits and business statement credits that more than offset the hefty annual fee. Outside of the card perks and welcome offer, there are other cards that are more rewarding for routine business expenses, though.

The Business Platinum Card® from American Express Review

card_name is an excellent option for frequent business travelers. It comes with a sizable annual fee, but this top-of-the-line luxury card comes with all the perks: You’ll get lounge access, statement credits that will let you zip through security and customs, and elite status with several major hotel chains, just to name a few. (Enrollment required.) Plus, the Amex Business Platinum offers a range of statement credits you can use to grow your business.

New cardholders can bonus_miles_full

That’s quite a steep spending requirement, but if you can swing it, the treasure trove of Membership Rewards points you’ll earn from this welcome offer could very well translate into a free flight—or two!

Earning points with the Amex Business Platinum

With this card, you'll earn:

2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases

Redeeming points with The Business Platinum Card® from American Express

One of the best ways to redeem the Membership Rewards points you earn with your American Express Business Platinum is by transferring to American Express travel partners. American Express has 18 airline and 3 hotel partners that you can transfer points to in order to redeem for free travel. Our guide to American Express transfer partners walks you through the process.

You can also redeem your points through American Express Travel, the card issuer’s travel portal.

Additional card benefits

Where the Amex Business Platinum card really shines are in the host of credits and perks that this card offers. They include:

Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
Make the Business Platinum Card(R) work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.