Loading cards…
American Express · charge
Last updated
Typically needs excellent credit (guideline, not a guarantee)
Is the Amex Business Plat worth keeping when the fee hits? →
Welcome offer — 150,000 Membership Rewards points after $20,000 spend in 3 months (offer varies) Inferred by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Recently changed — 1 update. See below ↓
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Personalize this for you → add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 5× | Flights & prepaid hotels via Amex Travel — Booked through Amex Travel Inferred by source |
|---|---|
| 1.5× | Purchases of $5,000+ — Up to $2,000,000/year, then 1x Inferred by source |
| 1× | Everything else Inferred by source |
Amex Membership Rewards points transfer to these loyalty programs. Mostly 1:1 (Hilton 1:2). Inferred by source
| Airlines (16) | |
|---|---|
| Hotels (3) |
Recent transfer changes
| Dell Technologies | $400/yr · semiannual Inferred by sourceenroll |
|---|---|
| Indeed | $360/yr · quarterly Inferred by sourceenroll |
| Adobe (select subscriptions) | $150/yr · annual Inferred by sourceenroll |
| US wireless carriers | $120/yr · monthly Inferred by source |
| Airline incidental fee credit | $200/yr · annual Inferred by sourceenroll |
| CLEAR Plus | $209/yr · annual Inferred by sourceenroll |
| Global Entry / TSA PreCheck | $120/yr · one-time Inferred by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
Heads up: Delta Sky Club access is conditional: you must be on a same-day Delta-operated flight, and visits are capped per year (e.g. 10/yr on the Amex Platinum — unlimited at $75k annual spend). Delta-branded cards have their own limits.
Heads up: Priority Pass isn't automatic — the card makes you eligible, but you must enroll and activate your Priority Pass membership through your card's benefits portal first. Without that step you won't get in, even with the card.
| Fine Hotels & Resorts | Free breakfast, room upgrade, noon check-in, 4pm checkout, ~$100 property credit on 2+ night stays Estimated by source |
|---|---|
| Marriott Bonvoy Gold Elite | Complimentary status (enrollment required) Estimated by source |
| Hilton Honors Gold | Complimentary status (enrollment required) Estimated by source |
| Rental car CDW | Up to $75,000 theft/damage (secondary) Inferred by source |
|---|---|
| Trip delay | Up to $500/trip (>6 hrs), max 2 trips/12 months Inferred by source |
| Trip cancellation | Up to $10,000/trip, $20,000/12 months Inferred by source |
| Baggage | Checked $2,000 / carry-on $3,000 per person Inferred by source |
| Purchase protection | Up to $10,000/item, $50,000/calendar year; covers theft, loss, and accidental damage for 90 days from purchase Verified by source |
| Extended warranty | Adds up to 1 year beyond original manufacturer's warranty of 5 years or less; up to $10,000/item, $50,000/year Verified by source |
| Return protection | Up to $300/item, $1,000/year if merchant won't accept return within 90 days; item must be in original condition Verified by source |
| Cell phone protection | Up to $800/claim for theft and accidental damage (including cracked screens) when monthly bill paid with card; $50 deductible; max 2 claims per 12-month period Verified by source |
| Emergency evacuation & transportation | Emergency medical transportation at no cost when authorized through the Premium Global Assist Hotline; no stated dollar cap; must be pre-authorized through the hotline Inferred by source |
Live figures above reflect what's true today; announced changes are flagged, not pre-applied. See all recent changes →
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The The Business Platinum Card® from American Express has a $895 annual fee.
Using its non-spend-gated credits fully, the The Business Platinum Card® from American Express returns about $1,559 in value against its $895 annual fee — a net of +$664 per year. It can pay for itself if you actually use the credits.
The The Business Platinum Card® from American Express earns 5x on flights & prepaid hotels via amex travel, 1.5x on purchases of $5,000+, 1x on everything else.
Yes. The The Business Platinum Card® from American Express grants access to Centurion, Priority Pass, Delta Sky Club.
No — the The Business Platinum Card® from American Express has no foreign transaction fee, so it's a good card to use abroad.
150,000 Membership Rewards points after $20,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.
Yes. Most recent change (announced 2026-05-12): Added a $300 ChatGPT Business statement credit (Business Platinum & Business Gold).