At first glance, The Business Platinum Card® from American Express seemxfbs out of reach for the average person due to the high annual fee of $695. Ouch, right? However, today, I will share my American Express Business Platinum Card review and why this card works for me (and might work for you, too).

 

 

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 apply it when it increases. 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 higher than most, so you will want to open it when you have big expenses coming up.

 

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 must choose an airline and enroll in this offer first. I always pick United Airlines because I can buy two $100 TravelBank certificates, pay for them with this card, and receive a statement credit for them. I live near a United hub, so this makes sense for me. 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 credits semi-annually. When you use your business card to purchase items at Dell, you’ll receive a $200 statement 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 receive a statement credit.
• $100 Credit for TSA PreCheck or Global Entry—I have this credit on several cards, so it isn’t as valuable to me, but it may be for you.
• $10/month cell phone credit—This saves me $120/year, so I use it. I charge my cell phone bill to my Business Platinum card and receive a statement credit of $10/month. 
• American Express Global Lounge Collection—This is a huge perk as it provides access to some of the best airport lounges, in my opinion, like Centurion Lounges. The American Express Global Lounge Collection provides access to more lounges available worldwide than any other program. Keep in mind, enrollment is required into the Priority Pass program. 
• Premium Car Rental Coverage
• Marriott Bonvoy Gold status and Hilton Gold status
• There are great category spends and other good features
• Enrollment is required for select benefits

 

 

 

Bottom Line

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

 

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