TURN YOUR BUSINESS SPEND INTO POINTS
Earn 120,000 Membership Rewards® bonus points*
*when you spend £12,000 in first 3 months of Cardmembership¹. Terms apply. Available to UK LTD and LLP businesses, signatories must be 18+ and a director/member of the business. The product (and FPO facility) is not regulated under the CCA. Subject to status.
Flexible Payment Option
You can pay your balance in full each month, or you have the choice to use Flexible Payment Option. This allows you to pay part of your balance over time, so when cashflow fluctuates, your repayments can too.
You will receive a line of credit when your Card arrives and you can access this with no additional approvals or paperwork. If you choose to use the line of credit, the purchase rate applies. Click here to learn more about Flexible Payment Option.
Annual fee: £650.³
Purchase rate: 29.1%
Earn 60,000 Membership Rewards® bonus points*
*when you spend £6,000 in first 3 months of Cardmembership¹². Terms apply. Available to UK LTD and LLP businesses, signatories must be 18+ and a director/member of the business. The product (and FPO facility) is not regulated under the CCA. Subject to status.
Flexible Payment Option
You can pay your balance in full each month, or you have the choice to use Flexible Payment Option. This allows you to pay part of your balance over time, so when cashflow fluctuates, your repayments can too.
You will receive a line of credit when your Card arrives and you can access this with no additional approvals or paperwork. If you choose to use the line of credit, the purchase rate applies. Click here to learn more about Flexible Payment Option.
Annual fee: £0 in first year, then £195.¹⁴
Purchase Rate: 29.1%
If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative Card is available - The Basic Business Card.
Have you received communications confirming you're pre-approved? This does not mean that your application is guaranteed, but is an indication that you have met our initial checks. Final approval for this Card is subject to successful completion of our responsible lending, identification, fraud and money laundering checks, applicable to you and your business.
£300 back with Indeed
Our annual Indeed benefit can help you build your best team. You'll get up to £75 in statement credits back every quarter⁴. Enrollment required.
£150 back with Dell
Keep your tech up to date with £75 in statement credits between January and June and again between July and December⁵. Enrollment required.
£200 Amex Travel Voucher
To use on flights, hotels or car when booked through Amex Travel Online⁶.
Terms apply.
Complimentary Lounge Pass Access
Grab a bite and catch up on work with access to 1,550 airport lounges worldwide⁷. Terms apply.
Employee Cards
One complimentary Platinum Employee Card & up to 19 Gold Employee Cards⁸. The main cardmember will be responsible for spend on the Account. Terms apply. 18+.
Up to 54 days to pay, interest free
Your cash can stay in your account for longer, making money management more flexible⁹. Terms apply.
No pre-set spend limit
You can spend as much as you’ve shown us you can afford¹⁰.Terms apply.
Worldwide Travel Insurance
Whether travelling on business or leisure trips - your and your Employee Cards are covered. Enrolment required¹¹. Terms, limitations and exclusions apply.
Have you received communications confirming you're pre-approved? This does not mean that your application is guaranteed, but is an indication that you have met our initial checks. Final approval for this Card is subject to successful completion of our responsible lending, identification, fraud and money laundering checks, applicable to you and your business.
£100 back with Dell
Receive £50 in statement credits between January and June and again between July and December¹⁵. Enrolment required.9
20 Employee Cards
Empower employees to spend securely with up to 20 complimentary Employee Cards. The main cardmember will be liable responsible for spend on the Account⁶. Terms apply. 18+.
No pre-set spend limit
You can spend as much as you’ve shown us you can afford¹⁷. Terms apply.
Up to 54 days to pay, interest free
Your cash can stay in your account for longer, making money management more flexible¹⁸. Terms apply.
THE CARD IS FOR BUSINESS. THE POINTS ARE FOR PLEASURE.
Important Information
The American Express® Business Platinum Card
1. Welcome Bonus Offer
The 120,000 bonus points will be awarded to your Account if you are eligible for the offer and you apply between 25 February 2026 to 11:59pm BST on 5 May 2026, through an application journey where the offer is promoted at the time of your application submission, are approved for the Card, and you have spent and charged a minimum of £12,000 on goods and services to the Account within the first three months of Cardmembership. Cardmembership begins from Card approval. All introductory offers are subject to change and can be withdrawn at any time. Please note that it can take up to one month for bonus points to be awarded to your Account once you have met the required spend.
2. Membership Rewards
Membership Rewards points are earned on every full £1 spent and charged, per transaction. Membership Rewards points are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. Visit https://www.americanexpress.com/en-gb/rewards/membership-rewards/terms/ for full Membership Rewards Terms and Conditions.
3. Annual Fee
Business Platinum Card: a £650 annual Card fee will automatically be charged to your Account from the date of your first statement and then every year after that on or after the anniversary of your Account opening date.
4. Indeed Benefit
Indeed Benefit Limit is capped at £75 in Statement Credit; per every 3 months of the calendar year. The benefit value will reset on 1 Jan, 1 Apr, 1 Jul, 1 Oct of every calendar year until 31/12/2026. You cannot carry any unused benefit value from one period into the next. The benefit only applies to online purchases made at uk.indeed.com. Any purchases not made directly with Indeed are excluded. Excludes Indeed Events, Indeed Hire, Indeed Flex, Resume.com SimplyHired and any Indeed job seeker services. The Benefit is only available to the Primary American Express Business Platinum Cardmember using their American Express Business Platinum Card. Transactions made with a Supplementary Card or Additional Card are not eligible for this Benefit. You must first save the Benefit to your American Express Business Platinum Card before making your purchase to qualify for the benefit. Only qualified purchases made after enrolment are eligible for the benefit. If you use another card to make a purchase at any time, you will not be eligible for the benefit on that card. The benefit will expire on 31/12/2026. American Express can withdraw the benefit at any time by giving you 60 days' notice. Your purchase must be made online at uk.indeed.com to be eligible for the benefit. If you spend in a currency other than Great British Pound (GBP), the amount paid will be converted based on the rate of exchange at the time of the transaction. A non-Sterling transaction fee of 2.99% will apply and this fee does not count towards the benefit. For more information regarding charges made in foreign currencies refer to your Card Member Agreement. If you pay using third party payment providers, such as Buy Now Pay Later providers, third party payment providers or payment processors, you will not be eligible for the benefit. Statement credit(s) should appear on your billing statement within 30 days from the date of qualified purchase but may take longer. Credit(s) are not redeemable for cash or any other payment form. Your purchase of services from Indeed is governed by their respective terms and conditions (including privacy policies). Any and all of Indeed's online and/or mobile services and websites, and software provided by or on behalf of Indeed on or in connection with such services or websites shall be governed and subject to the terms, rules, policies, guidelines, standard and requirements, including, but not limited to, the Privacy Policy and Terms of Service, that may be posted on the Indeed site, available at uk.indeed.com/legal. American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service. Our General Offer Terms also apply to the benefit and contain important additional terms.
5. Dell Benefit
Enrol to the benefit using your eligible American Express® Business Platinum Card. Only the Basic Cardmember on an American Express Business Platinum Card Account can enrol the Card Account into the benefit. Purchases by both the enrolled Basic Cardmember and Supplementary Cardmembers on the enrolled Card Account are eligible for statement credits. Regardless of the date on which the Card Account is enrolled into the benefit, each Card Account is only eligible for up to £75 in statement credits between 1 January and 30 June and up to £75 in statement credits between 1 July and 31 December for a total of £150 per calendar year in statement credits across all Cards on the enrolled Card Account. Valid only on purchases made directly with Dell Technologies in the UK at dell.co.uk/amex or phoning a dedicated Dell Advisors on 0800 169 1745. Not valid on online purchases shipped outside of the UK. Please allow [5 working days] after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account – however this can take up to 60 days. These are the key terms of this benefit. Please make sure you visit https://www.americanexpress.com/uk/business/benefits/platinum-business-card.html for the full Terms and Conditions applicable to this benefit.
6. Annual Travel Credit
The £200 Annual Travel Credit can only be redeemed at time of booking through American Express Travel Online at americanexpress.co.uk/travel. Full terms can be found at americanexpress.com/uk/platinum-travel-credit-terms.
7. Global Lounge Collection
The Primary Platinum Business Cardmember and the first Supplementary Platinum Cardmember are eligible for part of the American Express Global Lounge Collection and will be enrolled automatically. In order to access lounges in the Priority Pass programme, the Cardmember must present a valid Priority Pass membership card in their name, along with a boarding pass for same day travel. The Primary Platinum Business and Supplementary Platinum Business Cardmembers who are enrolled to the programme can each bring 1 additional guest free of charge. Any additional guests will be charged a fee at the prevailing rate – currently per visit, to his or her American Express Platinum Card. Secure your space in a UK Priority Pass lounge with your pre-book entitlements. You have access to 4 complimentary lounge pre-booking entitlements to use in 2025, and another 8 complimentary lounge pre-booking entitlements to use per calendar year between 1 January 2026 to 31 December 2027. Terms Apply. Subsequent years' renewal terms and conditions are at the discretion of Priority Pass. For Priority Pass Conditions of Use visit prioritypass.com. The Cardmember agrees to abide by the Conditions of Use, as detailed at prioritypass.com.
8. Employee Cards
Employee Cards – also known as Supplementary Cards – allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardmember and Company Liability supported by a business personal guarantee applies to charges made on all Employee Card(s). Cardmembers are entitled to one complimentary Business Platinum Card and up to 19 complimentary Business Gold Cards. Employee Cardmembers must be aged 18 or over. Written details available upon request. Approval subject to status and Terms and Conditions
9. Interest Free Payment Period
Business Platinum Card: the maximum payment period on purchases is up to 54 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.
10. Spending Limit
'No pre-set spending limit' is a unique feature that gives you the ability to unlock more purchase power as you use your Card. This means your spending limit is flexible. Unlike a traditional credit card with a set limit, the amount you can spend is personalised to you and based on factors such as your purchase, payment and credit history. Terms and conditions apply. Subject to status. We reserve the right to apply temporary spending limits in accordance with the Cardmember agreement.
11. Worldwide Travel Insurance
Terms and conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply. There are exclusions in your American Express travel insurance policy which cannot be varied or removed. If you have a pre-existing medical condition that falls outside of the list of accepted conditions referred to in the travel insurance terms and conditions, you may be able to obtain alternative or additional insurance via MoneyHelper (visit https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory) or call the advice service on 0800 138 7777 (free from within the UK). Lines are open Monday to Friday, 8am to 6pm.
The American Express® Business Gold Card
12. Welcome Bonus Offer
The 60,000 bonus points will be awarded to your Account if you are eligible for the offer and you apply between 25 February 2026 and 11:59pm BST on 5 May 2026, through an application journey where the offer is promoted at the time of your application submission, are approved for the Card, and you have spent and charged a minimum of £6,000 on goods and services to the Account within the first three months of Cardmembership. Cardmembership begins from Card approval. All introductory offers are subject to change and can be withdrawn at any time. Please note that it can take up to one month for bonus points to be awarded to your Account once you have met the required spend.
13. Membership Rewards
Membership Rewards points are earned on every full £1 spent and charged, per transaction. Membership Rewards points are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. Visit https://www.americanexpress.com/en-gb/rewards/membership-rewards/terms/ for full Membership Rewards Terms and Conditions.
14. Annual Fee
Business Gold Card: The first year's Cardmembership is complimentary and from year two of your membership, a £195 annual Card fee will automatically be charged to your Account on or after the anniversary of your Account opening date.
15. Dell Benefit
Enrol to the Dell benefit using your eligible American Express® Business Gold Card. Only the Basic Cardmember on an American Express Business Gold Card Account can enrol the Card Account into the benefit. Purchases by both the enrolled Basic Cardmember and Supplementary Cardmembers on the enrolled Card Account are eligible for statement credits. Regardless of the date on which the Card Account is enrolled into the benefit, each Card Account is only eligible for up to £50 in statement credits between 1 January and 30 June and up to £50 in statement credits between 1 July and 31 December for a total of £100 per calendar year in statement credits across all Cards on the enrolled Card Account. Valid only on purchases made directly with Dell Technologies in the UK at dell.co.uk/amex or phoning a dedicated Dell Advisors on 0800 169 1745. Not valid on online purchases shipped outside of the UK. Please allow 5 working days after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account – however this can take up to 60 days. These are the key terms of this benefit. Please make sure you visit https://www.americanexpress.com/uk/business/benefits/gold-business-card.html for the full Terms and Conditions applicable to this benefit.
16. Employee Cards
Employee Cards – also known as Supplementary Cards – allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardmember and Company Liability supported by a business personal guarantee applies to charges made on all Employee Card(s). Cardmembers are entitled to up to 20 complimentary Employee Cards only. Employee Cardmembers must be aged 18 or over. Written details available upon request. Approval subject to status and Terms and Conditions.
17. Spending Limit
'No pre-set spending limit' is a unique feature that gives you the ability to unlock more purchase power as you use your Card. This means your spending limit is flexible. Unlike a traditional credit card with a set limit, the amount you can spend is personalised to you and based on factors such as your purchase, payment and credit history. Terms and conditions apply. Subject to status. We reserve the right to apply temporary spending limits in accordance with the Cardmember agreement.
18. Interest Free Payment Period
Business Gold Card: the maximum payment period on purchases is 54 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.