Who is eligible for the Amex Business Platinum Card?

The Business Platinum Card® from American Express at present options the best welcome bonus it is ever supplied publicly: Earn 200,000 bonus factors after spending $20,000 on eligible purchases inside the first three months of card membership.

These factors are price $4,000, per TPG’s October 2025 valuations, which provide a compelling purpose to think about making use of.

However earlier than you begin filling out your utility, you would possibly surprise when you’re even eligible to benefit from this supply. This can be a small-business card, so there are completely different necessities than if you apply for a private card.

Nevertheless, you would possibly qualify for the Amex Business Platinum Card and that implausible welcome supply with out even realizing it.

Listed here are a number of the methods to find out when you’re eligible to use for the Amex Enterprise Platinum card and whether or not it is sensible to take action.

New Amex Business Platinum cardmembers can earn 200,000 bonus factors after spending $20,000 on eligible purchases inside the first three months of card membership.

That is the best welcome bonus we have ever seen publicly supplied on this card.

Annual payment

The Amex Enterprise Platinum card comes with a $895 annual payment (see rates and fees). Whereas this payment is giant, it is potential to offset this price by maximizing the assertion credit and advantages that include the cardboard.

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Incomes

The Amex Enterprise Platinum earns factors on the following charges:

• 5 factors per greenback spent on flights and pay as you go motels booked on amextravel.com
• 2 factors per greenback spent on eligible purchases at U.S. building materials and {hardware} suppliers, U.S. digital items retailers, U.S. software program and cloud system suppliers and U.S. delivery suppliers, in addition to on purchases of $5,000 or extra (as much as $2 million per calendar yr, then 1 level per greenback spent)
• 1 level per greenback spent on different purchases

Key advantages

The Amex Enterprise Platinum contains quite a few assertion credit, together with:

• Dell assertion credit score: As much as $150 in assertion credit on U.S. purchases made instantly at Dell and an extra as much as $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar yr*
• Resort assertion credit score: As much as $600 hotel statement credit per calendar yr (as much as $300 in semi-annual credit), on pay as you go Amex Tremendous Motels + Resorts or The Resort Assortment bookings via Amex Travel if you pay along with your Amex Enterprise Platinum (Resort Assortment stays require a two-night minimal)
• Certainly assertion credit score: As much as $360 in annual assertion credit on Certainly (as much as $90 per quarter)*
• Adobe assertion credit score: As much as $250 assertion credit score after spending $600 or extra on U.S. purchases made instantly at Adobe every calendar yr (topic to auto-renewal)*
• Clear Plus assertion credit score: As much as $209 in assertion credit per calendar yr towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal)*
• Airline payment credit: As much as $200 every year in assertion credit per calendar yr for prices by the certified airline you choose
• Hilton assertion credit score: As much as $200 assertion credit score per calendar yr (as much as $50 quarterly) on eligible purchases made instantly with a property within the Hilton portfolio (Hilton for Business program membership is required)
• International Entry or TSA PreCheck: As much as $120 in assertion credit for Global Entry or TSA PreCheck functions ($120 for International Entry each 4 years or as much as $85 for TSA PreCheck each 4½ years)
• Wi-fi phone service assertion credit: As much as $120 in annual assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 per 30 days)*
• Amex Journey flights and One AP: As much as $1,200 in Amex Journey flight assertion credit and as much as $2,400 in One AP assertion credit (legitimate from Jan. 1 to Dec. 31 of the calendar yr after assembly the requirement), each after spending $250,000 or extra on eligible purchases in a calendar yr

Different advantages embrace a 35% airline bonus if you use Pay with Points for airfare booked via Amex Journey (as much as 1,000,000 factors again every calendar yr) on the airline that you choose on your annual as much as $200 airline payment assertion credit score, no matter fare class, and complimentary Gold elite status in Hilton Honors*, Gold elite status with Marriott Bonvoy* and Leaders Membership Sterling standing from Main Motels of the World.*

Plus, eligible cardmembers obtain entry to Centurion Lounges, Delta Sky Clubs (when flying Delta)**, Priority Pass™ lounges* (for you and two company) and Airspace lounges.

Because of all these perks, the Amex Enterprise Platinum repeatedly ranks among the many best business rewards cards.

*Enrollment is required.

**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per yr to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.

Associated: Lesser-known benefits of the Amex Business Platinum card

You may be eligible for the Amex Business Platinum, together with its welcome supply, when you’re a first-time applicant.

Even when you’re a freelancer, impartial contractor or have a facet hustle, you may nonetheless get accepted for the Enterprise Platinum. You needn’t make seven figures (and even 5 figures) out of your small enterprise every year to have a small-business card.

Let us take a look at the phrases and situations of the cardboard itself, after which we’ll delve into a number of the extra particular utility guidelines Amex has in place.

Amex Enterprise Platinum utility phrases

Like many different American Express cards, the Amex Enterprise Platinum has strict eligibility guidelines in the case of incomes its welcome supply — particularly for present or former cardmembers.

In accordance with the appliance phrases:

You might not be eligible to obtain a welcome supply when you’ve got or have had this Card or earlier variations of this Card. You additionally might not be eligible to obtain a welcome supply based mostly on numerous elements, corresponding to your historical past with bank card stability transfers, your historical past as an American Specific Card Member, the variety of bank cards that you’ve opened and closed and different elements. If you’re not eligible for a welcome supply, we are going to notify you previous to processing your utility so you’ve the choice to withdraw your utility.

In different phrases, you might be disqualified not just for having had the cardboard earlier than, but additionally when you’ve opened and shut a number of Amex playing cards or carried out lots of stability transfers.

Undecided when you’ve had the cardboard previously? Amex has a useful software through the utility course of that can let when you’re eligible for the welcome supply earlier than your utility is processed.

That mentioned, welcome supply eligibility with Amex is not all the time so reduce and dry — it is based mostly on a spread of inside elements, so your mileage could range.

Amex utility restrictions

American Specific sometimes limits most individuals to holding a most of 5 Amex bank cards without delay — together with each private and enterprise playing cards.

Nevertheless, sure merchandise, just like the American Express Platinum Card® and the Amex Enterprise Platinum, are a bit completely different from conventional bank cards in that they don’t have any preset spending restrict — which signifies that your spending restrict is versatile, not like a standard card with a set restrict. The quantity you may spend adapts based mostly on elements corresponding to your buy, cost and credit score historical past.

As a result of these playing cards fall right into a separate class, they’re probably not topic to Amex’s five-credit-card restrict. That does not assure approval, nevertheless.

Amex additionally considers your general profile, together with creditworthiness and up to date utility historical past, when deciding whether or not to approve you.

Amex additionally sometimes limits approvals to 2 playing cards inside a 90-day interval, so when you’ve not too long ago utilized for one more Amex card, you might want to attend earlier than making use of once more.

If you have already got a number of Amex playing cards with high credit limits, the issuer might not be keen to increase any additional debt to you.

Talking of issuer utility restrictions, when you’re eyeing a Chase card just like the Chase Sapphire Preferred® Card (see rates and fees), you may be frightened about Chase’s 5/24 rule.

However there’s excellent news: Amex enterprise playing cards do not depend towards that restrict. So you may apply for the Amex Enterprise Platinum with out affecting your probabilities of getting a Chase card down the road.

Associated: The ultimate guide to credit card application restrictions

Does it matter if you have already got a private Amex Platinum card?

By no means. The non-public and enterprise variations of the Amex Platinum are thought-about separate merchandise, so already holding the private card will not disqualify you from making use of for the Enterprise Platinum — or from incomes its welcome supply.

Do you want a enterprise to use?

Not essentially. Whereas the Amex Enterprise Platinum is technically a small-business card, you do not want a proper enterprise to qualify. Amex — and different issuers — acknowledge that freelancers, impartial contractors and facet hustlers typically want enterprise bank cards to separate private and work bills.

That mentioned, the Enterprise Platinum is a premium product, so approval is not assured for simply any facet gig. You might want to supply proof of enterprise earnings or supporting particulars like a “doing enterprise as” (DBA) identify, relying in your utility.

Are you able to get the cardboard twice?

In some instances, sure — particularly when you function a number of companies. There are reviews of cardmembers being focused with provides to use for a second Amex Enterprise Platinum with one other welcome supply.

Amex understands that separate companies could require separate playing cards for accounting and expense monitoring. So when you run multiple enterprise — or work for a number of corporations —you possibly can be prequalified for an extra Enterprise Platinum.

These cases are comparatively uncommon, although. When you do obtain one, it is a good suggestion to contact Amex instantly to substantiate your eligibility for the welcome supply earlier than making use of.

Name the reconsideration line

In case your utility for the Amex Enterprise Platinum is declined, do not quit simply but — calling the Amex reconsideration line may give you a second shot at approval. By calling them, you may ask if there have been particular points along with your utility you could tackle over the cellphone or by offering additional data.

Throughout the name, you may ask if there have been particular issues along with your utility and supply to supply further data. Be ready to clarify why you are within the card — past simply the welcome supply — corresponding to particular options or advantages that align with what you are promoting wants.

You may additionally want to provide particulars about what you are promoting, together with earnings verification and enterprise tackle.

When you’re nonetheless denied, do not be discouraged. You might be eligible to use once more sooner or later, particularly if Amex rolls out an elevated welcome supply. Think about it a platinum lining.

The Amex Business Platinum stays one of many prime small-business rewards playing cards in the marketplace — particularly with its present elevated welcome supply. When you’re interested by making use of, take a second to learn the eligibility necessities to offer your self the very best likelihood of approval.

Apply right here: The Business Platinum Card from American Express

For charges and costs of the Amex Enterprise Platinum, click on here.