Business Platinum Card® from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
Balance Transfer
1 - 5 points
Signup Bonus
75000 points (after spending $15,000)

Informr score
The Business Platinum Card® from American Express currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 21 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Business Platinum Card® from American Express is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Isn’t an everyday credit card, nor is it ideal for most people. But if you have excellent credit, a penchant for travel and a liberal budget, it’s at least worth a closer look given its assorted accoutrements.

- John S Kiernan, WalletHub
Credit Card Insider

Frequent travelers could get a lot out of this card because it can be used with a wide variety of airlines, hotels, and loyalty programs. No matter which airline or hotel you prefer, you could probably use this card to get some extra perks there.

- Brendan Harkness, Credit Card Insider

The Business Platinum card from American Express is built for big-spending business owners who travel nearly constantly. At $595, the card’s annual fee is steep, but it can still pay off for businesses who spend enough in its bonus categories. If your goal is to earn points while enjoying lush trave...

- Mitchell Strohm, Investopedia

Designed for business travelers who want to earn generous rewards and take advantage of premium travel benefits. This card could be a good fit if you travel often enough to earn back the annual fee in rewards value. On the other hand, a more basic travel card might be better if you don't want to pay...

- Rebecca Lake, MyBankTracker

The card offers a lot of value for a specific type of business owner: someone who spends a lot and travels frequently. Earning potential aside, the card offers an incredible suite of travel perks. But while it might be nice to flash the prestige an Amex Platinum Card provides, it’s not worth its fee...

- Ben Luthi, Cardcruncher


Interest Rates
Regular APR Interest Rate

No interest charges because you pay your balance in full each month.

Balance Transfer Interest Rate

No interest charges because you pay your balance in full each month.

Cash Advance Interest Rate

No interest charges because you pay your balance in full each month.

Rates & Fees
Annual Fee $595.00
Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Or 2.99% of any past due Pay in Full amount, whichever is greater.

Sign up bonus 75000 points after spending $15,000

On purchases within the first 3 months.

All Purchases 1 point per $1 spent
  • Earn 1.5 points per $1 spent on purchases of $5,000 or more.
  • Earn up to 1 million additional points per year.
Restaurants No
Gas No
Groceries No
Hotels 5 points per $1 spent

On purchases made when you book on the American Express Travel website

Travel 5 points per $1 spent

On purchases made when you book on the American Express Travel website

Pharmacy No
Bills No
Additional Details
  • Get 50% More Points on Purchases of $5k or more.

  • Use points for flights and Get 35% Points Back.
Features & Benefits
Additional Card Holders Yes

The maximum number of Additional Cards issued on each Account is 99.

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits

  • $200 Airline Fee Credit

  • Baggage Insurance Plan
  • Access to The American Express Global Lounge Collection
  • Fee Credit for Global Entry or TSA Pre✔
  • Starwood Gold Elite Status
  • Hilton Honors Gold Status
  • Preferred Seating Program
  • Up to $200 annual Dell statement credit
  • Trip Cancellation and Interruption Insurance
  • Trip Delay Insurance
  • Return Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments Other Names (AKA): Enhanced Business Platinum Card from American Express OPEN

Terms & Conditions Official Terms & Conditions
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