American Express Platinum Business Card

Speak to a specialist: 0800 085 7732

Annual Fees:£595
Cashflow Management:With up to 54 days payment period on purchases. Just pay off your balance in full every month.

Key Benefits

Making business more rewarding

Earn 1 Membership Rewards^® point for every full £1 you spend on the Card. Points can be used to reward yourself, your clients or employees,or to reinvest in your business.

The Global Lounge Collection®

Access to more than 1,200 airport lounges across 130 countries, including The Centurion® Lounges and membership of Priority Pass™.

The Times and The Sunday Times digital subscription

This complimentary annual digital subscription to The Times and The Sunday Times, worth £312 per year, will keep you in the know.

Cashflow Management

The American Express Business Platinum Card could give you up to 54 extra calendar days to pay.

The Card can help provide you with greater control over your cashflow.

If you are currently paying for your expenses by cash, invoice or bank transfer, the payment will leave your account right away. Whereas, with the Business Platinum Card you have up to 54 calendar days until your payment is due so you can keep money in your Account for longer and have more flexibility when managing your finances.5 Just pay your balance in full every month.

No pre-set spending limit

The Business Platinum Card has no pre-set spending limit which gives you the flexibility to vary your purchasing from month to month.3

Your purchasing capacity evolves according to the needs of your business and adjusts based on your current spending patterns, payment history, credit record and financial resources.

Business account management

24-hour online business account management lets you check your balance, past statements, available credit, and keep track of all business purchases made on your Card.

You can also access the most important account information when you’re on the go via our mobile website, or the Amex App for iPhone and Android devices.

Compare our Business Cards

The American Express^® Business Platinum Card

The American Express^® Business Gold Card

The American Express^® Business Basic Card

ANNUAL FEE
£595

ANNUAL FEE

£125

ANNUAL FEE

£0

WELCOME OFFER

Earn 100,000 bonus Membership Rewards® points if you are approved and spend £10,000 in the first three months of Cardmembership1 - enough for four business class return flights from London to Berlin Terms, taxes, fees and charges apply.

WELCOME OFFER

Earn 50,000 bonus Membership Rewards® points if you are approved and spend £5,000 in the first three months of Cardmembership2 - enough for four economy return flights from London to selected European destinations such as Berlin.

WELCOME OFFER

CARD OVERVIEW
Exclusively for Businesses, the Card with premium travel benefits and rewards.

CARD OVERVIEW

Exclusively for Businesses, you could turn business purchases into rewards and keep your cashflow, flowing.

CARD OVERVIEW

A payment card with no pre-set spending limit - this Card offers you the basics you need to make purchases.

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Rewards and Access

The American Express Business Platinum Card can help you get more from your business expenses:

Earn 1 Membership Rewards® point for every full £1 you spend on the Card. There is no limit to the points you can earn, and your points never expire as long as your account is open and in good standing.
Earn 1 Membership Rewards® point for every full £1 spent on Supplementary Cards.

Plus, earn one additional point for every £1 spent when you book your flights, hotels, car hire or experiences through American Express Travel. You can then use your points, your Card or a combination of both to pay for your booking including any taxes and charges10.

Redeeming Points

Use the points you earn to treat yourself, your employees or clients, or to reinvest in your business.

REWARD YOURSELF, YOUR EMPLOYEES OR CLIENTS

From spa day experiences to department store Gift Cards and eCodes, use your points to reward those people going above and beyond for your business. Our partners include House of Fraser, M&S, Laithwaite's Wine, Molton Brown, and SpaFinder Wellness 365 – just to name a few.

REINVEST IN YOUR BUSINESS

You can redeem your points for a statement credit that can support your bottom line. Alternatively you could redeem for rewards from popular brands such as merchandise from Apple or Gift Cards from Currys PC World.

TRAVEL

Transfer points you've earned on your business spend to one of our partner's frequent traveller programmes, and use them to enjoy hotel stays, flights, dining and more - for business or pleasure. Our partners include British Airways, Marriott Bonvoy™, and Virgin Atlantic. Minimum, maximum and increments apply to points transfers and vary by partner. Reward bookings are subject to taxes and fees.

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Business Premium Services, Benefits and Support

The Times and The Sunday Times digital subscription

It’s great to have the latest news at your fingertips. This complimentary annual digital subscription to The Times and The Sunday Times, worth £312 per year, will keep you in the know all year round.

Complimentary Supplementary Cards

You can receive one complimentary Business Platinum Supplementary/Employee Card and unlimited complimentary Business Gold Cards to keep your business moving.

Complimentary Supplementary or Employee Cards are a great way to get more control over expenditure and to earn more rewards across your business. Your Supplementary Cardmembers enjoy the Card benefits and you can set spending limits for each one. Consolidating more of your business expenditure under one Account can save you time when tracking and sorting expenses. Plus, all of your Supplementary Cards earn Membership Rewards points for your Account, helping to bring you rewards, faster.

Dedicated Account Managers

Our dedicated Account Management team are available to help you to get the most from your Business Platinum Cardmembership.

They may also have useful business insights to share from your sector, or from businesses of a similar size or set-up.

Platinum Business Service

It's the personal touches that make all the difference.

With the Business Platinum Card, our dedicated concierge and travel team have the knowledge and experience to help support your business, like buying event tickets for a client, delivering gifts, finding you a hotel or arranging conferences in an unfamiliar city. Let us do things for you so you can take care of business.

Premium Business Travel

Premium travel benefits and access to help make your life more comfortable when you’re travelling for business or pleasure.

The American Express Global Lounge Collection allows you and your Platinum Supplementary Cardmember – and a guest each – to enjoy complimentary access at more than 1,200 airport lounges at 500+ airports across 130+ countries, regardless of your choice of airline or class of ticket8.
Hotel Benefits: Fine Hotels & Resorts offers you an experience above and beyond at over 1,000 supremely stylish five-star sanctuaries scattered across the globe. Receive these complimentary benefits with each booking: noon check-in upon arrival when available, a room upgrade upon arrival when eligible and available, daily breakfast for two people, in-room Wi-FI (exclusions apply), a guaranteed 4pm late check-out and a special amenity such as a US$100 food and beverage credit9.
With our hotel partners Hilton, Marriot Bonvoy™, Meliá Hotels International, Radisson Hotel Group, you and your Platinum Supplementary Cardmembers can receive benefits including complimentary upgrades, early check-in and late check-out, enhanced loyalty points, complimentary Wi-Fi and much more7. Enrolment required after Card approval.
Car Hire Benefits: Enhance your business trips or personal holidays – with Hertz and Avis. you and your Platinum Supplementary Cardmembers can receive benefits such as complimentary upgrades and discounts on bookings.
onefinestay £150 statement credit: You can stay in private homes at some of the most sought-after locations with an unprecedented level of service and receive a £150 statement credit when you book with onefinestay.

World Class Service

Running your business could be made easier with a great range of resources designed to help you maintain control of your business expenses, while also helping to provide some peace of mind.

Our global customer service team is here to help – wherever you are in the world, whatever the time of day.
Global Assist^® – If you’re away on business anywhere in the world and run into trouble, assistance is just a phone call away, 24/7.
Emergency Card Replacement – No matter where your business takes you, if you report your Card lost, damaged or stolen, we’ll help you replace it.

Insurance and Protection

Comprehensive worldwide travel insurance for business or pleasure

You, your family, as well as your Supplementary Cardmembers are covered, whether travelling together or travelling alone on business and leisure trips of up to 120 days when travel is booked on your Card12.

Purchase Protection

If you buy an eligible item on your Card and it’s stolen or damaged within 90 days, we’ll replace or repair it, or refund you up to £2,500 per eligible item.

Refund Protection

Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card’s Refund Protection means that even if the UK retailer won’t refund you, we’ll replace or refund you up to a maximum of £300.

Am I Eligible?

To save time before applying, it’s best to make sure you can say yes to the following:

The business has a current UK Bank or Building Society account
You/The business have/has no County Court Judgements for non-payment of debt
You are aged 18 or over
You have a permanent UK home address

You will pay the annual Cardmembership fee of £595
You will not be eligible for any Welcome Bonus award if you currently hold or have held any Membership Rewards enrolled American Express Card in the past six months.

Need more information?

Speak to a specialist on:

0800 085 7732

Speak to a specialist: 0800 085 7732

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Work for a large business or Corporation?

LEARN MORE ABOUT OUR CORPORATE CARDS & PROGRAMMES

Terms & Conditions

Please ensure that you have read and downloaded these important documents before starting your application.

American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standard Board
Read Terms & Conditions
Read Insurance Documentation
Statement of Lender and Borrower Responsibilities
1. If you are approved and spend £10,000 on purchases on the American Express Business Platinum Card Account within the first three months of Cardmembership, 100,000 bonus Membership Rewards points will be awarded shortly after the end of the three months. Business Gold or Business Platinum Cardmembers who are enrolled or have been enrolled in the Membership Rewards programme in the last six months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time. Apply before 9th April for this limited time offer.
2. If you are approved and spend £5,000 on purchases on the American Express Business Gold Card Account within the first three months of Cardmembership, 50,000 bonus Membership Rewards points will be awarded shortly after the end of the three months. Business Gold or Business Platinum Cardmembers who are enrolled or have been enrolled in the Membership Rewards programme in the last six months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time. Apply before 9th April for this limited time offer.
3. No pre-set spending limit does not mean unlimited spending. Purchasing power can adjust with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. We reserve the right to apply temporary spending limits in accordance with the Cardmember Agreement.
4. Annual Fees

4.1 Platinum Business Card a £595 annual Card fee will automatically be charged to your account on or after the anniversary of your account opening date. Applicants must be UK residents, aged 18 or over. Approval is subject to status and terms and conditions apply.

4.2 Gold Business Card The first year’s Cardmembership is complimentary and from year two of your membership, a £125 annual Card fee will automatically be charged to your Account on or after the anniversary of your Account opening date.
5. Payment Period

5.1 Platinum and Gold Business cards 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.

5.2 Basic Business card the maximum payment period on purchases is 42 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.
6. 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 you will be liable for all charges made on the Supplementary Card(s). Supplementary Cardmembers must be aged 18 or over. Written details available on request. Approval subject to status and Terms and Conditions.
7. Enrolment is required to receive loyalty programme benefits. Benefits are subject to change and availability and may vary by hotel and car hire loyalty programme partner. American Express Terms and Conditions apply. Hotel Loyalty programme benefits may not be combined with the Fine Hotels & Resorts programme. American Express reserves the right to instruct loyalty programme partner to cancel your membership if you cease to be a Platinum Business Cardmember or your Account is not in good standing
8. The Primary Platinum Business Cardmember and the first Supplementary Platinum Cardmember are elegible for part of the American Express Global Lounge Collection and will be enrolled automatically. In order to access over 500+ 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 £20 per person, per visit, to his or her American Express Platinum Card. 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.

The Centurion Lounge
Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum Card account are not eligible for complimentary access. Card Members may bring up to two (2) companions into The Centurion Lounge. To access The Centurion Lounge, the Card Member must present The Centurion Lounge agent with the following upon each visit: his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be of legal drinking age in the location's jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. ©2018 American Express Travel Related Services Company, Inc. All rights reserved.

American Express International Lounges
Business Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. Fees may apply for additional guests. To access American Express Lounges, the Business Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Business Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behavior or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change. In some Lounges the Business Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Age restrictions for the service of alcohol also vary between Lounges. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to the local rules and conditions set by American Express and the Lounge operator. American Express and the Lounge operator reserve the right to revise the rules at any time without notice. For details of individual American Express lounge access requirements please visit americanexpress.com/findalounge

Delta Sky Club
The Business Platinum Card Member must present his or her valid American Express Card, government-issued I.D., and same-day corresponding airline ticket to club ambassador. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Card Members must adhere to all House Rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs.For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclub . All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub .

Escape Lounges
This benefit is available to Business Platinum Card Members. Card Members receive complimentary access to any US location of the Escape Lounges. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) companions into Escape Lounges as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change.
9. Valid only for new FINE HOTELS & RESORTS bookings made through Platinum Travel Service, Business Platinum Travel Service, American Express Travel online at americanexpress.co.uk/travel, or any American Express Travel office. Payment must be made in full with an American Express Card in the UK Platinum Cardmember’s name. Available for UK Platinum Charge Cardmembers. Cardmember must travel on itinerary booked to be eligible for benefits described. Noon check-in and room upgrade are based on availability and are provided at check-in. Certain room categories are not eligible for room upgrade; call Platinum Travel Service for details. Breakfast amenity varies by property, but will be, at a minimum, a continental breakfast. Complimentary Wi-Fi is provided in room, with the exception of select properties where In-Room Wi-Fi is included as part of a mandatory daily resort fee or is not available. In these instances complimentary Wi-Fi will be provided in a common space on property. Call Platinum Travel Service for property specific details regarding Wi-Fi. Benefit restrictions vary by FINE HOTELS & RESORTS property and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Benefits and additional FINE HOTELS & RESORTS promotions are only applied at checkout and expire at checkout. Limit one benefit package per room, per stay. Three room limit per Cardmember, per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating FINE HOTELS & RESORTS properties and benefits are subject to change.
10. Cardmembers will earn one additional Membership Rewards point in addition to their standard earn rate for every full £1 spent on eligible prepaid hotels, flights, car hire and experiences on the American Express Travel UK website americanexpress.co.uk/travel, excluding cruise bookings. Products that are booked on americanexpress.co.uk/travel which are not prepaid, but are paid directly to the supplier are not eligible to earn the additional Membership Rewards points. When paying with a combination of your American Express Card and Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points and Membership Rewards Terms and Conditions found at membershiprewards.co.uk/terms will apply. Please allow up to 10 weeks for Membership Rewards points to be credited to your account
11. The credit will be applied to your primary Card Account. The account balance must be higher or equal to the amount being credited. If you pay your bill through Direct Debit, the Direct Debit amount that appears on your statement will always be collected, even if you redeem your points for a credit on your Card. Please refer to your Card Account statement showing your outstanding balance or minimum balance due which will apply in all instances. Amounts credited will appear on your next Card Account statement following redemption of this reward. A points for credit request may be declined at our own discretion where the Card Account or Cardmembers’ other Accounts are not in good standing or there is not an outstanding balance on the Card. The redemption of points for credit will be applied within three business days, cannot be reversed and is not redeemable for cash via a credit balance refund
12. 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 the Money and Pensions Service (visit https://traveldirectory.moneyadviceservice.org.uk/en) or call the advice service on 0800 138 7777 (free from within the UK). Lines are open Monday to Friday, 8am to 6pm.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority

The American Express^® Business Platinum Card

Terms & Conditions

The American Express® Business Platinum Card

Key Benefits

Making business more rewarding

The Global Lounge Collection®

The Times and The Sunday Times digital subscription

Cashflow Management

The Card can help provide you with greater control over your cashflow.