The Business Platinum Card® from American Express Review

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been superb and elevated each my journey and my enterprise. Others have been…effectively, lackluster.

The most effective? The Business Platinum Card® from American Express. It comes with a whole lot of world-class perks and advantages, high quality buyer care, and a stable rewards construction (particularly on massive purchases).

Whereas the annual price is fairly excessive ($695, pay over time out there. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard value carrying. I feel it’s an awesome alternative for enterprise house owners who journey ceaselessly.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Specific?

The Business Platinum Card® from American Express is a journey rewards card geared in direction of enterprise house owners. (Bear in mind: even aspect hustles and freelancing rely as companies so you will get this card even with out being an LLC.) First, let’s go over a few of the finest stuff you get once you join, which make it a no brainer to get for the primary yr:

• Restricted Time Provide: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked instantly with airways or by way of American Specific Journey together with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You possibly can earn one or each of those presents. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go accommodations, and short-term leases and pay as you go flight + resort packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US development materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and delivery suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar yr. Purchases eligible for a number of further level bonuses will solely obtain the best eligible bonus.
• Complimentary entry to the American Specific International Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 nations. Entry is restricted to eligible Card Members.
• As much as $120 in assertion credit for International Entry or TSA Pre-check each 4 years.
• As much as $199 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar yr for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar yr once you make an eligible buy at Hilton properties. (Distributed in as much as $50 increments per quarter. Hilton for Enterprise program membership is required.)
• $150 credit score with Adobe on eligible annual pay as you go marketing strategy purchases of Adobe Artistic Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card by way of 6/30/25.
• As much as $120 per calendar yr in assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 again monthly).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No overseas transaction charges

Utilizing Your Membership Rewards Factors

You’ll earn Membership Rewards factors with The Business Platinum Card® from American Express. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are a few of the most beneficial factors on the market.

These are Amex’s present journey companions:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Membership (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Membership (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Selection Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Visitor (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Membership (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Membership (1:1 ratio)

Most transfers are on the spot, although some can take as much as 48 hours.

You can too use your Membership Rewards factors to e-book flights and accommodations within the Amex Journey portal. I typically wouldn’t do that although because it’s not one of the best use of your factors. It’s at all times higher to switch them out to certainly one of their companions. Nonetheless, you will get 35% factors again once you do e-book by way of their portal so simply examine the factors prices between each earlier than making a choice.

Breaking Down the Enterprise Platinum’s Credit and Advantages

Amex playing cards are well-known for his or her plethora of perks and advantages. They’re an enormous motive I like their playing cards. And, in case you can reap the benefits of all that it has to supply, the Enterprise Platinum boasts over $1,700 value of worth. However, with so many classes and a lot superb print, it may be laborious to maintain observe of whether or not a profit is definitely helpful to your spending habits. So, that can assist you determine if the cardboard is best for you, I need to break down a few of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International Entry/TSA PreCheck)
The most effective issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into a few of the high lounges worldwide, together with the wonderful Centurion Lounges and Delta Sky Golf equipment (once you’re flying Delta, with as much as 10 visits per yr).

On high of that, you’ll get complimentary entry to the large Precedence Go community. If having a quiet house to loosen up, seize a drink, or get some work accomplished is a precedence once you journey, this card has you coated just about wherever.

I additionally recognize that the Enterprise Platinum helps you get by way of the airport quicker. It presents as much as $199 in assertion credit annually for a CLEAR® Plus membership, which speeds you thru safety strains.

You’ll additionally get a credit score for International Entry (as much as $100 each 4 years) or TSA PreCheck (as much as $85 each 4.5 years), relying on which one you select. I personally advocate going for International Entry. It takes just a little extra effort (there’s an interview), however it consists of TSA PreCheck too. It’ll prevent a ton of time in case you journey internationally.

Airline and Lodge Credit
One other travel-related profit is the as much as $200 airline credit score. Sadly, it comes with a good variety of restrictions, making this credit score a bit extra annoying to make use of. It could solely be used on one (pre-selected) airline, and you may solely use it for incidentals, not airfare. However in case you don’t have an airline bank card that gives free baggage, it may be helpful to have. You can too use the credit score for airline bills like paid seat choice or on-board foods and drinks.

The Enterprise Platinum additionally presents just a few Hilton-related advantages. First, you’ll be able to obtain as much as $200 in assertion credit at Hilton properties when booked instantly. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property a minimum of 4 occasions a yr to get the complete worth of this credit score. However in case you’re on the street so much, that may be simple to do.

Second, the Enterprise Platinum presents complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which provide additional perks and advantages when staying at these properties.

Enterprise-Associated Assertion Credit
The Enterprise Platinum card comes with some nice perks to assist lighten the monetary load of working a enterprise. Bills can actually add up in case you’re managing a enterprise whereas touring, so I recognize that the Enterprise Platinum helps offset these prices.

You possibly can rise up to $400 in assertion credit on U.S. Dell purchases (by way of June 30, 2025, break up into $200 chunks each six months). There’s additionally as much as $360 again per yr on Certainly advertisements (as much as $90 every quarter), which is nice in case you’re hiring as your small business grows.

If you happen to use Adobe instruments, there’s a $150 credit score out there once you prepay yearly for eligible Adobe Artistic Cloud or Acrobat Professional plans for groups. And to maintain you linked on the go, you’ll rise up to $120 a yr for purchases made instantly with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Gives
On high of all these useful assertion credit, the Enterprise Platinum provides you entry to Amex Gives, a straightforward method to avoid wasting money or rack up additional factors with a variety of outlets. These offers rotate recurrently and are customized, so what exhibits up for you could be completely completely different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I at all times examine Amex Gives earlier than I buy. (The private card presents this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless advocate shopping for a standalone coverage for medical, this card consists of sturdy built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally consists of cellphone safety for harm or theft, a uncommon however useful perk. For a most of $800 per declare, with a restrict of two authorised claims per 12-month interval, when your cellphone line is listed on a wi-fi invoice and the prior month’s wi-fi invoice was paid by an Eligible Card Account. A $50 deductible will apply to every authorised declare.

So, whilst you may get away with the cardboard’s insurance coverage in case you e-book the journey on the cardboard, I wouldn’t depend on it fully. However it’s higher than most!

Must you get this card?

The Enterprise Platinum is good for frequent vacationers who can profit from perks like smoother airport experiences and resort elite standing. If you happen to can reap the benefits of just a few of the business-related assertion credit, the assertion credit alone make the excessive annual price value it. I get a whole lot of worth from the cardboard by way of the assertion credit that make carrying the cardboard after the primary yr actually value it.

Whereas it’s true you solely get 1x level per greenback spent on something below $5,000 (which isn’t nearly as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex presents, and companions you don’t discover wherever else make this card important for any enterprise proprietor.

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