American Express Business Platinum Card Review


At first glance, the American Express Business Platinum Card seems out of the average person’s league due to the high annual fee of $695. Ouch, right? However, today I will share my American Express Business Platinum Card review and the reasons this card has worked for me.


Basics of the American Express Business Platinum Card

This card is a business card, so it won’t take a 5/24 spot.

The welcome offer on this card fluctuates; you will want to get it when it increases—approximately 120K-150K points. We seldom have affiliate links with those high offers, but we will always share the best offer, even if we don’t earn a commission. The minimum spend on this card is usually $15K in three months, so you will want to open it when you have big expenses coming up, like paying taxes. 


American Express Business Platinum Card Benefits

This is where the card shines. If you take advantage of these benefits, you can actually come out ahead on the $695 annual fee.

  • $200 Airline Incidental Credit—You have to choose an airline and enroll first. I always pick United Airlines because I can buy two $100 TravelBank certificates, pay for them with this card, and get credited for them. This is by far the best way to use this credit. Here’s what AMEX says about this credit: “Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card.”
  • $400 Dell Credits—This benefit is divided into $200 semi-annually. When you use your business card to purchase items at Dell, you get a $200 credit twice a year. I have bought printers, backpacks, Bose earbuds, and other items with this credit. Again, you have to enroll first before using it.
  • $189 Clear Plus credit—I enjoy using Clear as it gets me through the airport quicker. Just pay for it with your Business Platinum card, and you will get it credited back.
  • $100 Credit for TSA PreCheck or Global Entry—I have this credit on several cards so it isn’t as valuable
  • $10/month cell phone credit—This saves me $120/year, so I use it. It also comes with cell phone protection
  • American Express Global Lounge Collection—This is a huge perk as this is the best airport lounge credit in my opinion. You can’t bring guests in for free, but there are more lounges available worldwide than any other pass.
  • Premium Car Rental Coverage
  • Marriott Bonvoy Gold status and Hilton Gold status
  • There are great category spends and other good features.


My husband uses this card to enter our Denver American Express Centurion Lounge.

The Possibility of Having More Than One Business Card

While American Express cards usually fall under the once-per-lifetime rule, many people (including myself), have been targeted for multiple AMEX business cards (Gold and Platinum). This has made it possible to earn many more American Express Membership Rewards and enjoy these great benefits multiple times.


Bottom Line

If you love American Express Membership Rewards, have a business, and can use the benefits on this card, you may want to consider the American Express Business Platinum Card.


Related Posts

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What Can You Do with 75K American Express Membership Rewards?

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