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The Platinum Business Card

40,000 Membership Rewards® points if you spend £6,000 in the first 3 months of Cardmembership
Annual Fee £450

Spending limit
No pre-set spending limit
Cashflow management
With up to 54 days payment period on purchases
Annual fee
If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative option is available –
The Basic Business Card

Key Benefits


Get more from your Platinum Card by letting us do things for you. Our experienced concierge team have the knowledge and experience to help take care of the little but important things, from buying and delivering gifts, finding you a hotel or arranging conferences in an unfamiliar city.


Enjoy complimentary access to over 600 airport VIP lounges worldwide, regardless of your choice of airline or class of ticket.


No pre-set spending limit provides greater purchasing power.

Premium business rewards

The Platinum Business Card can make doing business even more rewarding as every time you use it, it gives you something back. So whether its business travel, client entertainment, or even the Christmas party, put it all on the Card and watch how fast your points grow.
  • Welcome Bonus
  • Pay with points
  • Lounge access
  • Elite tier membership
  • Earn points for virtually every pound spent
  • Transfer points
  • Fine Hotels & Resorts programme
  • Supplementary Cards
Read more

Business benefits

  • Beneficial business payment terms
  • No pre-set spending limit
  • Comprehensive worldwide Travel insurance
  • Apply for complimentary Supplementary Cards
  • American Express Invites
Read more

World-class service

The Platinum Business Card puts a whole host of personalised business services, benefits and support at your disposal. And they’re there, whenever you need them, to help make the running of your business simpler and easier. You’ll also enjoy all the protection and reassurance you need to conduct all your business affairs with complete confidence.
  • Platinum Business Concierge Service
  • Refund Protection
  • Global Assist®
  • Purchase Protection
  • Easy, secure business account management
  • Emergency Business Card Replacement
Read more
Premium business rewards
New Cardmember Welcome Bonus
New Cardmember Welcome bonus of 40,000 Membership Rewards points, if you are approved and spend £6,000 in the first three months of Card membership.
Pay With Points
Use points you’ve earned on your Platinum Business Card to pay for travel booked online with American Express Travel. Pay for your trip in part or in full with your points, including any taxes and charges. There is a minimum redemption of 1,000 points.
Lounge Access
Business lounge access means that wherever your business, pleasure or rewards take you, you’ll enjoy complimentary Priority Pass membership to over 600 airport business lounges worldwide.
Elite Tier Membership
Enhance your business trips or personal holidays with Elite tier membership with Starwood Preferred Guest® Gold, Club Carlson℠ Gold Elite and Hertz #1 Club.
Membership Rewards programme
Earn one Membership Rewards point for every full £1 of your business spend. You can then choose to redeem your points for a wide selection of rewards – from flights for your business travel to computers for the office, to staff incentives, corporate entertaining and gifting
Transfer points
Transfer points you’ve earned on your business spend to one of our partner’s frequent traveller programmes and use them to enjoy complimentary stays, flights, dining and more – for business or pleasure.
Fine Hotels & Resorts
Our Fine Hotels & Resorts programme means that wherever you travel - with business or family – you get access to complimentary benefits such as complimentary room upgrades, daily breakfast for two people, and early check-in and late check-out.
Supplementary Cards
Make the most of your Platinum Card membership by sharing your benefits with up to five others. Purchases on Supplementary Cards will also earn you Membership Rewards points.
100,000+ points
Shopping - iPad 2 with Wi-Fi + 16GB + 3G
Travel - Five night stay at a category 6 Starwood hotel or resort, like the W New York, Times Square

Experience - £500 gift voucher for which can be used on once in a lifetime experiences or a fantastic range of gifts.
60,000 points
Shopping - TomTom Go Live 1005 GPS with World maps
Experience - Smartbox Gourmet Escapes giftbox - 50 awe-inspiring, overnight, gourmet getaways for two in our regal selection.
40,000 points
Shopping - New Tomtom Go Live 820 with Europe maps or a £200 gift certificate**
Travel - £200 Hertz Car Hire voucher

Experience - Smartbox Delicious Retreats giftbox (40,280) - enjoy a delicious retreat at one of 50 hand-picked hotels.
20,000 points
Shopping - £100 gift card at Currys PC World, Homebase, House of Fraser, M&S or a £100 gift certificate**
Travel - £100 East Coast trains eVoucher - Return Business class flight from London to Paris, Berlin, or amsterdam with British Airways*

Experience - Smartbox Unusual Excapes giftbox; choose from up to 50 hand-picked unusual escapes such as sleeping in a yurt or a log cabin.
10,000 points
Shopping - £50 gift card at Currys PC World, Homebase, M&S or a £50 gift certificate**
Travel - Return economy flight from London to Paris, Berlin or Amsterdam with British Airways*

Experience - Smartbox Adventure giftbox - choose from 200 of the best adventure activities the UK has to offer, from off-road driving, canyoning or rock climbing.
Examples representative of redeeming Membership Rewards points.
*Terms, taxes and fees apply. Subject to availability.

** is not a sponsor of this promotion. Amazon,, the logo, and the smile logo are trademarks or registered trademarks of Amazon EU SARL or its affiliates. Gift Certificates (“GCs”) may be redeemed on the website or affiliated website towards the purchase of eligible products listed in our online catalogue and sold by or any other seller selling through GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. is not responsible if a GC is lost, stolen, destroyed or used without permission. See for complete terms and conditions. GCs are issued and © 2012 by Amazon EU Sarl.
Business benefits
Beneficial business payment terms
With a payment period of up to 54 days on purchases, this gives you greater control over your cashflow. Simply pay your balance in full every month.
No pre-set spending limit
No pre-set spending limit gives your business greater purchasing power.
Comprehensive worldwide Travel insurance
Comprehensive worldwide Travel insurance wherever business or pleasure takes you. You, your family, or colleagues and employees with Supplementary Cards are covered, whether travelling together or travelling alone on business and leisure trips of up to 120 days.
Apply for complimentary Supplementary cards
Apply for complimentary Supplementary Cards for your colleagues and employees. With all business expenditures coming out of the one business account, you'll be able to see exactly where the money is going on your statements. You'll also save time when sorting through expenses claims.
American Express Invites
Entertain clients and reward employees with American Express Invites. Enjoy access to some of the best tickets at in-demand music, theatre and film events, often before they go on general sale.
World-class service
Platinum Business Concierge Service
It’s the personal touches that make all the difference. From arranging business flights, finding you a hotel or even booking events tickets for a client, just one call and consider it done.
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.
Worldwide 24-hour customer service with Global Assist®
If you’re away on business and run into trouble anywhere in the world, assistance is just a phone call away – in your own language, 24/7.
Purchase Protection
If you buy an 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.
Easy, secure business account management
24-hour secure online access lets you check your balance, past statements, available credit, and keep track of all business purchases made on your Card.
Emergency Business Card Replacement
No matter where your business takes you, you’ll never be stranded. Report your Card lost, damaged or stolen we’ll help you replace it.
To apply for the Platinum Business Card, you should be able to say yes to the following:
  • The business has a current UK bank or building society account
  • I/ The business have/ has no County Court Judgements for non-payment of debt
  • I am aged 18 or over
  • You have a permanent UK home address
  • You will pay the annual Cardmembership fee of £450.
  • 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.
To ensure timely completion of the application for your Platinum Business Card, it’s best to make sure you have the following information with you before you start to apply for the Card:
Starting an application
To ensure timely completion of the application for your Gold Business Card, it’s best to make sure you have the following information with you before you start to apply for the Card:
  • The Your Personal Details section is where you tell us about yourself. Please provide your accurate home address to ensure timely processing of your application. In addition to this you’ll need to provide
  • The Business Details section is where you tell us about your business. When completing the application, please note that the Business Trading Address and the Registered Address is required where applicable. To complete the application process, we may request additional details for verification and authentication purposes. Do ensure you have the following details to hand, if relevant for your business:
  • Your annual personal income
  • The details of all individuals who own or control 25% or more of the company’s shares or voting rights, even if these interests are held indirectly
  • Any existing American Express Card number (this can help speed up the decision making process of your application)
  • The details of up to 4 Directors/Partners/Committee Members/Officers (where applicable). If the business is run by a sole trader, you will need to provide the details for the sole trader.
Product Terms
Please ensure that you have read and downloaded these important documents before starting your application.
If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative Card is available - The Basic Business Card.

American Express adheres to The Standards of Lending Practice which are monitored and enforced by the
Lending Standards Board

Ready to apply?

40,000 Membership Rewards® points if you spend £6,000 in the first 3 months. Annual Fee £450.
The Platinum Business Card is offered by American Express Services Europe Limited. Click here for more information