Amex Business Platinum
- Annual fee
- $895
- Earns
- Amex Membership Rewards points
- Point value
- 2 CPP
- Credits a year
- Up to $6,809
Welcome offer
Earn 200,000 Amex Membership Rewards points after you spend $20,000 in 3 months
≈ $4,000 at 2 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel booked through AmexTravel | 5x | 10% |
| Travel | 1x | 2% |
| Dining | 1x | 2% |
| Groceries | 1x | 2% |
| Gas | 1x | 2% |
| Everything else | 1x | 2% |
Return is what each $1 of spend is worth with points valued at 2 CPP.
Credits and benefits
- Airline$200 a calendar year
- Adobe$250 a calendar year
- Clear$209 a calendar year
- Dell$150 a calendar year
- Hotel$300 every 6 months
- Hilton$50 a quarter
- Indeed$90 a quarter
- Wireless Service$10 a month
- Global Entry/TSA PreCheck Credit$120 every 4 years
- Flight Credit >250k$1,200 a calendar year
- One AP Statement >250k$2,400 a calendar year
- Dell >5k Spend$1,000 a calendar year
Up to $6,809 a year if you use every credit. Track them in the benefits tracker
Lounge access
Unlimited Centurion Lounge access (guests $50, $30 for children 2-17, and must be on the same flight; 2 free guests after $75,000 in calendar-year spend), and 10 Delta Sky Club visits per year (Feb 1 to Jan 31) on same-day Delta-operated flights, unlimited after $75,000 in calendar-year spend; extra visits and guests $50 each. Priority Pass Select (enrollment required, lounges only), Escape Lounges and Plaza Premium Lounges allow 2 free guests.
Guests
- Centurion: no free guests, then $50 per guest; 2 free after $75,000 of spend in a year
- Delta: no free guests, then $50 per guest
- Priority Pass Select: 2 free guests
Transfer partners for Amex Membership Rewards points
| Partner | Ratio | Transfer time |
|---|---|---|
| Aer Lingus | 1:1 | Almost Instant |
| AeroMexico | 1:1.6 | 2-12 days |
| Air Canada Aeroplan | 1:1 | Almost Instant |
| ANA | 1:1 | 2-3 days |
| Avianca Airlines | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Cathay Pacific | 5:4 | 1-7 days |
| Choice | 1:1 | Almost Instant |
| Delta | 1:1 | Almost Instant |
| Emirates | 5:4 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Hilton Honors | 1:2 | Up to 24 hours |
| Iberia | 1:1 | 1-3 days |
| JetBlue | 1:0.8 | Almost Instant |
| LHF Leaders Club | 4:1 | Almost Instant |
| Marriott Bonvoy | 1:1 | Almost instant |
| Qantas Airways | 1:1 | Almost instant |
| Qatar Airways | 1:1 | Almost instant |
| Singapore Airlines | 1:1 | 1-2 days |
| Virgin Atlantic | 1:1 | 1-2 days |
Application rules
Once per lifetime
You may not get the Business Platinum's welcome bonus if you have or have had it before. Amex can also withhold the bonus based on your history with Amex and how many cards you've opened and closed, and it tells you before it processes your application, so you can withdraw.
Charge card
This card has no preset spending limit, so it doesn't count toward Amex's limit of about five credit cards or its one-in-five-days and two-in-90-days approval limits. Amex usually allows up to about ten of these cards at once.
Product changes
- Downgrade to Business Gold · You keep your Membership Rewards points. Moving to the Business Gold means you've had it, so you likely won't get its welcome bonus later.
- Downgrade to Business Green · You keep your Membership Rewards points. Moving to the Business Green means you've had it, so you likely won't get its welcome bonus later.
About the Amex Business Platinum
The Amex Business Platinum is a business American Express card from Amex with a $895 annual fee that earns Amex Membership Rewards points. It earns 5x on travel booked through AmexTravel and 1x on everything else. The current welcome offer: earn 200,000 Amex Membership Rewards points after you spend $20,000 in 3 months. It comes with 12 statement credits worth up to $6,809 a year if you use them all. Cardholders get access to Centurion Lounges, Delta Sky Club (10 visits per year when flying Delta) and Priority Pass Select. Points transfer to 20 airline and hotel partners, including Aer Lingus, AeroMexico and Air Canada Aeroplan. AwardHack values Amex Membership Rewards points at 2 CPP.
Frequently asked questions
What is the Amex Business Platinum annual fee?
The Amex Business Platinum has a $895 annual fee. Its statement credits add up to $6,809 a year if you use all of them.
What is the Amex Business Platinum welcome bonus?
Earn 200,000 Amex Membership Rewards points after you spend $20,000 in 3 months. AwardHack values that at about $4,000.
Does the Amex Business Platinum include airport lounge access?
Yes: Centurion Lounges, Delta Sky Club (10 visits per year when flying Delta), Priority Pass Select, Escape Lounges and Plaza Premium Lounges. Unlimited Centurion Lounge access (guests $50, $30 for children 2-17, and must be on the same flight; 2 free guests after $75,000 in calendar-year spend), and 10 Delta Sky Club visits per year (Feb 1 to Jan 31) on same-day Delta-operated flights, unlimited after $75,000 in calendar-year spend; extra visits and guests $50 each. Priority Pass Select (enrollment required, lounges only), Escape Lounges and Plaza Premium Lounges allow 2 free guests.
Where can I transfer Amex Membership Rewards points?
To 20 partners: Aer Lingus (1:1), AeroMexico (1:1.6), Air Canada Aeroplan (1:1), ANA (1:1), Avianca Airlines (1:1), British Airways (1:1), Cathay Pacific (5:4), Choice (1:1), Delta (1:1), Emirates (5:4), Flying Blue AIR FRANCE KLM (1:1), Hilton Honors (1:2), Iberia (1:1), JetBlue (1:0.8), LHF Leaders Club (4:1), Marriott Bonvoy (1:1), Qantas Airways (1:1), Qatar Airways (1:1), Singapore Airlines (1:1) and Virgin Atlantic (1:1).
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Offers, fees and benefits change often. Check the issuer's site before you apply.