AT A GLANCE
The American Express Business Platinum Card® powers your business with benefits and rewards built for you for an annual fee of $895¤. With the Business Platinum Card®, you can unlock over $4,000 in annual value‡. Here’s how:
Travel Benefits
- up to $600 Hotel Credit
Statement credits up to $300 semi-annually on prepaid bookings through Amex Travel™ with Fine Hotels + Resorts® or The Hotel Collection®. The Hotel Collection requires a minimum two-night stay‡.
- up to $200 Hilton Credit
Hilton for Business members can get statement credits of up to $50 quarterly on eligible purchases made directly with Hilton. Gift cards are not an eligible purchase. Enrollment required. If you do not already have a Hilton for Business account, you will be registered for one at the time you enroll in the benefit‡.
- $850+ in value with The Global Lounge Collection
Over $850 of annual value with access to Centurion Lounges, 10 complimentary Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges‡.
- up to $200 Airline Fee Credit
Statement credits up to $200 per calendar year for incidental fees charged by your one selected qualifying airline‡.
- up to $219 CLEAR+ Credit
Statement credits up to $219 per calendar year for an auto-renewing CLEAR+ Membership, excluding taxes and fees‡.
- $550 in value with Fine Hotels + Resorts®
Unlock a suite of benefits with an average total value of $5501 when you book Fine Hotels + Resorts through Amex Travel‡.
1Average value based on Fine Hotels + Resorts® bookings in 2025 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available (certain room categories are not eligible for upgrade), $100 credit towards eligible charges (which vary by property), guaranteed 4pm check-out and 12pm check-in when available. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
Business Benefits
- up to $1,150 Dell Technologies Credit
Statement credits up to $150 on U.S. purchases directly with Dell Technologies, and an additional $1,000 statement credit after you spend $5,000 or more on those purchases, per calendar year. Enrollment required‡.
- up to $300 ChatGPT Business Credit
Statement credits up to $300 per calendar year on U.S. purchases of ChatGPT Business subscriptions. Enrollment required‡.
- $250 Adobe Credit
A $250 statement credit per calendar year after you spend $600 or more on U.S. purchases directly with Adobe in a calendar year. Enrollment required‡.
- up to $360 Indeed Credit
Statement credits up to $90 per quarter for U.S. purchases made directly with Indeed. Enrollment required‡.
- up to $120 Wireless Credit
Statement credits up to $10 per month for wireless phone service purchases made directly with a U.S. wireless telephone service provider. Enrollment required‡.
Terms apply.
The American Express® Business Gold Card gives businesses flexible rewards based on their top spending categories for an annual fee of $375¤. The Business Gold Card gives you access up to $845 in statement credits annually on eligible purchases at select business merchants‡. Here's how:
$155 Walmart+ Monthly Membership - Receive a statement credit2 for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card.
2Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$240 Flexible Business Credit - Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
$150 Squarespace Statement Credit - Get up to $150 in statement credits each calendar year on U.S. purchases with Squarespace he Business Gold Card3. Enrollment required.
3Subscription purchases subject to auto-renewal.
$300 ChatGPT Business Statement Credit - Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business4 on the Business Gold Card.
4Subject to auto-renewal.
Whether you’re applying for a Business Platinum or Business Gold, you can earn Membership Rewards points on all eligible purchases — and turn everyday spending into a tool for growth.
For businesses looking to earn Membership Rewards points‡ and receive valuable statement credits with select partners, both the Amex Business Platinum Card and the Amex Business Gold Card are strong contenders. When it comes to deciding which Card to apply for, what matters is where your business spends the most and what your business needs are: Business Platinum provides plenty of travel perks, while Business Gold gives you access to robust rewards and spend accelerators.
This Amex Business Card comparison can help you find the best fit for your unique needs. Terms apply to the benefits listed below, and benefits are subject to change.
Business Platinum Benefits
The Amex Business Platinum Card is great for business owners on the go and comes with a host of business benefits that reward what you’re building, including:
Earn 5X Membership Rewards® points on all prepaid hotel bookings through AmexTravel.com, including Fine Hotels + Resorts and the Hotel Collection. You can also get 5X Membership Rewards® points on all flights booked through AmexTravel.com‡.
35% points back (up to 1,000,000 points back per calendar year) after you use Pay with Points for flights booked through Amex Travel with your selected qualifying airline‡. Terms and cap apply‡.
A $600 Hotel Credit: Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection5 bookings through Amex Travel when you pay with the Business Platinum Card‡.
5The Hotel Collection requires a minimum two-night stay.
- Access to The Global Lounge Collection with over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges‡.
*As of 07/08/2026
Business Gold Benefits
The Amex Business Gold Card is designed to help turn your business spending into rewards Business Gold is ideal for businesses that spend more on operational expenses, with rewards tailored to your top spending categories. With Business Gold, you can earn:
- The $240 Flexible Business Credit: Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required‡.
- 4x points on the 2 categories where your business spends the most each billing cycle from the following 6 categories every month. Points cap applies‡.
◦ Purchases at U.S. media providers for advertising in select media(online, TV, radio)
◦ U.S. purchases made from electronic goods retailers and software &cloud system providers
◦ U.S. purchases at restaurants, including takeout and delivery
◦ U.S. purchases at gas stations
◦ Transit purchases including trains, taxicabs, rideshare services,
ferries, tolls, parking, buses, and subways
◦ Monthly wireless telephone service charges made directly from a
wireless telephone service provider in the U.S.
While your top 2 categories may change each billing cycle based on where your business spent the most, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap.
3x points on flights and pre-paid hotels booked on AmexTravel.com using the Business Gold Card‡.
You’ll also earn 1X points on all other eligible purchases‡ which means you’ll get rewarded for the everyday spending that keeps your business running. Terms and limitations apply‡.
Business Gold vs. Business Platinum: rewards and fee comparison
Both Cards offer Membership Rewards points, but they are designed for different spending patterns. Use this side-by-side view to compare the annual fee and key rewards structure before deciding which Card better matches how your business spends.
| Category | Business Platinum Card | Business Gold Card |
| Annual Fee | $895¤ | $375¤ |
| Membership Rewards |
|
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Which Card is best for your business?
The right Card depends on how your business spends, where you travel, and which benefits you are most likely to use. Consider the following scenarios as a starting point.
You might consider applying for a Business Platinum Card if:
- You frequently travel for your business
- You value premium travel benefits when you’re on the go
You might consider Business Gold if:
- Your top spending categories shift month to month
- You want to earn rewards on day-to-day business spending
Frequently asked questions about our Business Cards
Can you hold both Cards? — Yes. American Express allows businesses to hold more than one Business Card at the same time, including the Business Gold Card and the Business Platinum Card.
What are the potential benefits of a business card? — Business Card benefits may help contribute to your business growth and help improve operational efficiency. These benefits might include Employee Card controls and expense management tools‡.
- How do American Express Membership Rewards points work? — American Express Card Members, will be enrolled in the American Express Membership Rewards® Program-earning one point for every dollar you spend on eligible purchases‡.
Make the most of your Business Card
Finding the best Card for your business needs comes down to two factors: your business spending and your business needs. However you spend, work, and travel, there’s an Amex Card that works for you. If you’re choosing between applying for a Business Gold Card or a Business Platinum Card, reviewing current offers and assessing the benefits of both Cards can help you find your best fit.
¤Business Platinum Card Rates & Fees
‡Business Platinum Card Benefit Terms
¤Business Gold Card Rates & Fees
‡Business Gold Card Benefit Terms
