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Business Platinum Card® from American Express review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.99% ‐ 25.99% (Variable)
Interest Rate: Purchases
17.99% ‐ 25.99% (Variable)
Balance Transfer
Balance Transfer
1 - 5 points
1 - 5 points
Signup Bonus
120000 points (after spending $15,000)
Signup Bonus
120000 points (after spending $15,000)

Informr score
The Business Platinum Card® from American Express currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 28 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...


Although the annual fee seems steep, the Amex Business Platinum card could be unparalleled if you’re looking for a card with a premium pool of luxury travel perks—including a wealth of annual credits and reimbursements. In fact, the card’s recent update added up to $830 in new statement credits that...

- Garrett Yarbrough, Holly D. Johnson, Bankrate
The Points Guy
The Points Guy

The Business Platinum Card® from American Express is one of the best business rewards cards around thanks to its current elevated welcome bonus and the sheer number of value-added perks it offers cardmembers. While it requires some work to take full advantage of them, the effort can pay off with sav...

- Ethan Steinberg, The Points Guy

The Business Platinum Card’s $695 annual fee is going to be a large expense for many small businesses. For businesses that can take advantage of all of the card’s travel and shopping benefits, that expense will pay off. By maximizing the statement credits, lounge access and hotel elite status, small...

- JT Genter, Becky Pokora, Forbes

The American Express Business Platinum Card best suits business owners who travel often, as travel purchases lead to the highest rewards. Cardholders don’t just enjoy rewards and savings but also have access to exclusive in-airport lounges in more than 140 countries around the world. Those who don’t...

- Joshua Rodriguez, GOBankingRates

Whether this card is worth it to you depends on your situation. For small business owners who have a lot of expenses and who travel a lot, the hefty annual fee can be worth it. There are a lot of travel-related perks that can easily make up for the fee as well, especially if you do a lot of business...

- Miranda Marquit, FinanceBuzz


Interest Rates
Regular APR Interest Rate 17.99% ‐ 25.99% (Variable)

On purchases eligible for Pay Over Time feature

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 $695.00
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 120000 points after spending $15,000

On purchases within the first 3 months.

All Purchases 1 point per $1 spent

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
  • Earn 1.5 points per $1 spent on business categories & purchases of $5000 or more on up to $2 million of these purchases per calendar year.
  • Get 50% More Points on Purchases of $5000 or more.

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

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

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount Yes
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

  • 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 $400 annual Dell statement credit
  • Trip Cancellation and Interruption Insurance
  • Trip Delay Insurance
  • Return Protection
  • Cell Phone Protection
  • Get up to $179 back per year on your membership with CLEAR®
  • Up to $360 annual Indeed statement credit
  • Up to $150 back per year for select subscription purchases with Adobe on the Business Platinum Card. Enrollment required.
  • Up to $120 back per year for wireless telephone service purchases on the Business Platinum Card. Enrollment required.
  • $200 Airline Fee Credit
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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