The Enterprise Platinum Card from American Specific overview
The Business Platinum Card® from American Express is among the finest enterprise rewards playing cards round, due to its massive welcome bonus and the sheer variety of value-added perks. Whereas it requires some work to take full benefit of them, the trouble can repay, with financial savings of a whole lot and even hundreds of {dollars} per 12 months. Card ranking*: ⭐⭐⭐⭐
* Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With premium cards on the forefront of the bank card market, many individuals are snug paying annual charges of over $400.
The Business Platinum Card from American Express is Amex’s high enterprise card providing. The cardboard was just refreshed, including new assertion credit and advantages and bettering its bonus class incomes charges. Plus, for these concerned with limited-edition card designs, there is a new mirror card design that might give the Centurion Card from American Express a run for its cash.
The knowledge for the Centurion Card from American Specific has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Nevertheless, the cardboard did see a 29% annual charge improve to $895 per 12 months (see rates and fees). Present cardmembers will see it take impact Dec. 2, 2025.
Whereas the upper annual charge may very well be robust to abdomen, the cardboard’s annual assertion credit and advantages go above and past and may help to offset that yearly price.
That mentioned, this card actually will not be appropriate for each small enterprise — particularly ones that do not journey steadily or ones with major spending areas not coated by this card’s bonus categories.
We suggest candidates have an excellent to wonderful credit score to extend their probabilities of getting accepted.
Reward your inbox with the TPG Each day publication
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Let’s dive into the cardboard particulars so you’ll be able to determine if it is a good match for your corporation.
Associated: How to get a business credit card
Amex Enterprise Platinum professionals and cons
| Professionals | Cons |
|---|---|
|
|
**Enrollment is required for choose advantages.
Amex Enterprise Platinum welcome supply
Proper now, for a restricted time, new Amex Business Platinum candidates can earn 200,000 bonus factors after spending $20,000 throughout the first three months of card membership.
TPG’s September 2025 valuations peg the Membership Rewards points this card earns at 2 cents apiece. So, for those who can handle this supply’s excessive spending requirement, you may obtain $4,000 in worth.
That is the best public welcome supply we’ve seen on this card, making now a good time to use for those who’ve been contemplating this card.
It is necessary to notice that Amex has application restriction rules, together with a once-in-a-lifetime rule. In case you have or have held this card previously, you will not be eligible to obtain a welcome supply.
Whereas $20,000 in three months may not be exhausting for companies with plenty of money stream, in case your enterprise is smaller, you can contemplate prepaying as many bills as you’ll be able to afford throughout your first three months to assist earn your welcome supply.
A number of years in the past, I met the minimal spending requirement by paying my taxes and protecting some house enchancment bills for members of the family that I used to be later reimbursed for.
Then again, if this kind of spending is out of your league, one other enterprise card with a decrease bonus threshold, a smaller annual charge and extra focused incomes classes is likely to be a greater match for you in the long term.
Amex Enterprise Platinum advantages
The Amex Business Platinum has a number of assertion credit simply totaling over $3,500 in annual worth. These may help cardmembers doubtlessly offset the preliminary shock of that prime annual charge.
This is a detailed take a look at all of them (enrollment is required for choose advantages).
Assertion credit
| Assertion credit score | Annual quantity | The way it works |
|---|---|---|
| Lodge | As much as $600 per calendar 12 months | A press release credit score of as much as $300 semiannually from January to June and July to December on pay as you go American Specific Tremendous Lodges + Resorts or The Lodge Assortment bookings with Amex Journey once you pay together with your Amex Enterprise Platinum (Lodge Assortment stays require a two-night minimal) |
| Dell | As much as $150 per calendar 12 months, plus a further $1,000 in assertion credit after assembly a spending requirement per calendar 12 months | As much as $150 in assertion credit on U.S. purchases made instantly at Dell and a further $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar 12 months |
| Certainly | As much as $360 per calendar 12 months | As much as $90 per quarter in assertion credit |
| Adobe | $250 per calendar 12 months | $250 assertion credit score after spending $600 or extra on U.S. purchases made instantly at Adobe every calendar 12 months (topic to auto-renewal) |
| Hilton | As much as $200 per calendar 12 months | A press release credit score of as much as $50 per quarter on eligible purchases made instantly with a property within the Hilton portfolio (Hilton for Business program membership is required) |
| Wi-fi phone providers | As much as $120 per calendar 12 months | Assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 per thirty days) |
| Clear Plus | As much as $209 per calendar 12 months | A press release credit score towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal) |
| Airline charge | As much as $200 per calendar 12 months | An annual airline charge credit score of as much as $200 for expenses by the airline you choose every calendar 12 months |
| World Entry or TSA PreCheck | As much as $120 | A press release credit score for World Entry ($120) each 4 years or TSA PreCheck (as much as $85) each 4½ years |
| Amex Journey flights and One AP | As much as $1,200 in flight credit and as much as $2,400 in One AP credit | $1,200 in Amex Journey flight assertion credit and $2,400 in One AP assertion credit (legitimate from Jan. 1 to Dec. 31 of the calendar 12 months after assembly the requirement), each after spending $250,000 or extra on eligible purchases (spending in your card this 12 months counts towards the requirement) |
Lounge entry
Together with the plethora of assertion credit you could (or might not) have the ability to use, the Amex Enterprise Platinum shines by way of with its different journey perks.
Other than providing entry to Amex’s Centurion Lounges, your card will open the door to the in depth American Express Global Lounge Collection (entry is restricted to eligible cardmembers). It’s composed of greater than 1,700 lounges worldwide, together with Delta Sky Clubs, which you’ll be able to enter when you may have an eligible same-day flight on that airline, Priority Pass areas (enrollment is required; restaurant areas are excluded), Escape lounges and Lufthansa lounges when you may have a same-day flight on Lufthansa.
Nevertheless, it is value noting that you simply’re limited to 10 total Delta Sky Club visits per 12 months — except you spend $75,000 in a calendar 12 months to unlock limitless entry.
Lodge and automobile rental standing
As for advantages that turn out to be useful when you attain your vacation spot, this card permits you to register for complimentary Gold standing with Hilton Honors and Marriott Bonvoy, which offer increased earnings and elevated advantages throughout stays with these two manufacturers.
You too can now enroll for Leaders Membership Sterling standing from The Main Lodges of the World. LHW is a group of independent hotels throughout the globe. With standing, you may obtain advantages like upgrades and the flexibility to earn factors.
Cardmembers additionally take pleasure in complimentary elite car rental status with a number of applications, together with Avis Most well-liked, Hertz Gold Plus Rewards and Nationwide Emerald Membership. Enrollment could also be required.
Purchasing protections
As you may think, the Amex Enterprise Platinum Card can also be nice for enterprise purchases. It options extended warranty protection‡ that prolongs eligible U.S. producer warranties of 5 years or much less by a further 12 months, saving enterprise homeowners money and time if one thing occurs to an merchandise they purchase.
Moreover, the cardboard’s buy safety‡ covers unintended harm or theft for as much as 90 days after buy (as much as $10,000 per coated buy and $50,000 per cardmember account per calendar 12 months), so it is an important alternative for costly gadgets.
Different notable advantages
The cardboard’s different standout perks embrace:
My ideas on these advantages
This refresh did not add a lot to the advantages aspect other than the brand new $600 hotel credit (as much as $300 again in assertion credit semiannually on pay as you go Fine Hotels + Resorts or The Hotel Collection bookings by way of American Express Travel®), which matches the one discovered on The Platinum Card® from American Express. The Lodge Assortment requires a minimal two-night keep.
The American Specific Journey flight credit score and the Amex One AP credit score are good for those who can organically attain the spending requirement, however they should not be a needle mover for many.
I battle to make use of a lot of the credit on this card and would have most popular some extra normal credit. The brand new Leaders Membership Sterling standing is a welcome addition, however I doubt I’ll achieve any actual worth from it since I hardly ever keep at impartial resorts. These new additions, to me, do not justify the $200 annual charge improve.
‡Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm.
§Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Associated: Is the Amex Business Platinum worth the annual fee?
Incomes factors on the Amex Enterprise Platinum
Amex Business Platinum Card holders will earn:
- 5 factors per greenback spent on airfare and pay as you go lodge purchases with American Specific Journey (10% return, based mostly on TPG’s valuations)
- 2 factors per greenback spent on as much as $2 million in eligible purchases within the U.S. per calendar 12 months (then 1 level per greenback thereafter) within the following classes: eligible purchases of $5,000 or extra, U.S. cloud service suppliers, U.S. building supplies and {hardware} provides, U.S. digital items retailers, U.S. transport suppliers and U.S. software program^ (4% return)
- 1 level per greenback spent on all different purchases (2% return)
^Beforehand, cardmembers used to earn 1.5 factors per greenback spent.
As a cardmember, I am disenchanted this refresh did not broaden incomes charges on the flights and resorts class. Solely incomes 5 factors per greenback spent on flights and resorts booked by way of Amex Journey is a bit too restrictive for my liking.
I would want the choice to decide on how I guide, particularly when playing cards just like the Chase Sapphire Reserve for Business℠ (see rates and fees) supply elevated earnings on resorts and flights booked instantly.
The incomes charges make it robust to justify protecting this card 12 months after 12 months, even with all of the assertion credit, as I basically simply use it as a coupon guide and for lounge entry.
Associated: Amex Business Platinum vs. Chase Sapphire Reserve for Business: Which premium business card takes the crown?
Redeeming factors on the Amex Enterprise Platinum
We suggest transferring your Membership Rewards factors to any of Amex’s hotel and airline partners for max worth.
You too can redeem your factors for service provider present playing cards or to cowl expenses in your invoice. Nevertheless, these choices considerably devalue your rewards to 1 cent per level or much less, so we do not suggest utilizing your factors this manner.
The best redemption possibility that also presents first rate worth is Amex Journey’s Pay with Factors characteristic. Like I discussed earlier than, having this card permits you to obtain a 35% bonus once you use factors towards any cabin flight in your designated airline.
This boosts your redemption worth for these purchases from 1 cent to 1.54 cents per level.
Simply be aware that the 35% bonus is capped at 1 million factors again per calendar 12 months, and you should have the total variety of factors for the usual redemption in your account on the time of reserving. Any factors you are getting again with this profit will arrive inside two billing cycles.
Transferring factors on the Amex Enterprise Platinum
You’ll be able to unlock much more worth out of your earnings by transferring your Membership Rewards points to any of Amex’s 20 airline or lodge companions. Most transfers happen at a ratio of 1:1 and are processed immediately.
Going this route might require some analysis, however a little bit work may help improve the worth of your factors considerably above our valuations.
You may additionally wish to look ahead to Amex’s common transfer bonuses, which might additional improve the worth of your factors.
I steadily obtain outsize worth by transferring factors to Air Canada Aeroplan to guide lie-flat seats on Star Alliance partners, resembling United Polaris business-class flights to Europe. I additionally wish to switch factors to Air France-KLM Flying Blue to reap the benefits of this system’s frequent award promo sales.
Which playing cards compete with the Amex Enterprise Platinum?
In case you really feel that your corporation may not have the ability to get the total worth out of the Enterprise Platinum, you may wish to contemplate different choices:
- If you need a decrease annual charge and better incomes charges: The American Express® Business Gold Card presents comparable redemption choices to the Enterprise Platinum however for a decrease annual charge of $375 (see rates and fees). It is a good selection when you’ve got all kinds of enterprise bills, because it adjusts to your high two spending classes every billing cycle. To study extra, please learn our full review of the Amex Business Gold.
- If you don’t need business-specific advantages: The Amex Platinum Card is the non-public model of this card. You may nonetheless earn priceless Membership Rewards factors, obtain vital worth in annual assertion credit and achieve entry to the identical in depth community of airport lounges worldwide. To study extra, please learn our full review of the Amex Platinum.
- If you wish to earn Chase Final Rewards factors: The Chase Sapphire Reserve for Business has a barely decrease annual charge of $795. It is a good selection for those who just like the sound of a versatile $300 annual journey credit score and spend lots on promoting, in addition to flights and resorts booked instantly. To study extra, please learn our full review of the Sapphire Reserve for Business.
For added choices, take a look at our full checklist of the best business credit cards.
Learn extra: Amex Business Gold vs. Amex Business Platinum: Battle of the premium small-business cards from American Express
Backside line
Regardless of a latest refresh with a brand new increased annual charge, the Amex Business Platinum Card continues to be a superb alternative for enterprise vacationers who spend lots in its bonus classes and with the retailers coated by its assertion credit.
Whereas it may not be value it for all enterprise homeowners, its journey perks are exhausting to beat for the best cardmember.
Apply right here: The Business Platinum Card from American Express
For charges and charges of the Amex Enterprise Platinum, click on here.
For charges and charges of the Amex Enterprise Gold, click on here.
Trending Merchandise
