Start of menu
Search United Kingdom website
Close Menu

Earn 40,000 Bonus Membership Rewards Points

Deferred payment
Defer payment on purchases for up to 54 days1
Rewards programme
Membership Rewards®
Spending limit
No pre-set spending limit2
Comprehensive travel insurance
Airport lounge access, Concierge service and American Express Invites
Annual fee
£450 annual fee

Welcome Bonus

Welcome bonus of 40,000 Membership Rewards® points if you are approved and spend £6,000 in the first three months of Cardmembership. That's enough for a return flight to New York or Dubai. Terms, taxes, fees and charges apply.3

Comprehensive Travel Insurance

Relax in the knowledge that you and your family and those of your Supplementary Cardmembers will be safeguarded whenever a Cardmember travels, not only for accidents but also for travel inconvenience. 4

Platinum Concierge Service

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 conference facilities in an unfamiliar city.

Maximise Cashflow

Enjoy up to 54 days interest-free credit on purchases.1

No pre-set spending limit provides greater purchasing power.2

Membership Rewards ®

Earn 1 Membership Rewards point for virtually every full £1 you spend on the Card.5    

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.6

Invest in your business by turning expenses into points which can be used to reward your clients, employees and yourself.

Priority Pass Worldwide Airport Lounge Access

Enjoy complimentary access to over 600 airport VIP lounges worldwide, regardless of your choice of airline or class of ticket. 7

Enjoy special Platinum Benefits

Airport Lounge Access

Priority Pass Worldwide Airport Lounge Access

Enjoy complimentary Priority Pass membership at over 600 airport VIP lounges worldwide, whether you’re traveling for business or pleasure. You’ll find airports a great place to work or relax, regardless of your choice of airline or class of ticket.7

Hotel Programmes

The Platinum Card opens the door to many of the world's finest properties


Enjoy exceptional amenities around the globe with access to more than 750 distinguished resorts and hotels, for business or pleasure. Special extras may include daily breakfast for two people, noon check-in, if available upon arrival, and an additional special amenity such as a complimentary US $100 food and beverage credit or a massage for two people (special amenities vary by property).8

Enjoy complimentary Gold Preferred status with Starwood Preferred Guest ®

The Starwood Preferred Guest® program is your access to nine exciting hotel brands with more than 1,000 hotels and resorts in nearly 100 countries. Brands include The Luxury Collection®, Le Méridien®, Sheraton® and W Hotels®.  As a Starwood Preferred Guest® Gold member, experience benefits such as a welcome gift and late check-out (subject to availability upon arrival), and earn 3 Starpoints® for every eligible US dollar spent– a 50% bonus over base-level membership.9

Enjoy complimentary Gold Elite membership in Club Carlson SM

Club Carlson is the global hotel rewards programme from Carlson Rezidor Hotels, including redefined hotel rewards with a collection of superior benefits at more than 1,000 participating hotels worldwide: Radisson Blu, Radisson® Country Inns & Suites By CarlsonSM, Park Inn by Radisson, and Park Plaza® hotels. Gold Elite status benefits include complimentary room upgrade (subject to availability upon arrival), room availability guarantee with at least 72 hour advance reservation, 50% bonus points on every eligible stay, as well as early check-in and late check-out as available upon request.10

Little Extras

Making it our business to help make your life a bit easier and more enjoyable

Platinum Concierge

From arranging business flights, finding you a hotel or even booking events or restaurants for a client, your Platinum Business Concierge is just one call away. Think of them as an extension of your team, bringing real expertise, helping you save time and connecting you with special Platinum value. 

American Express Invites

Whether it's entertaining clients or rewarding your employees, make it a memorable experience with American Express Invites. Enjoy access to some of the most in-demand music, film and theatre events in town, often before they go on general sale. Tell me more 

Enjoy complimentary Hertz Gold Plus Rewards®   Five Star level membership

Platinum Cardmembers can secure Five Star tier membership of the Hertz Gold Plus Rewards® programme, and an exclusive set of benefits including: complimentary one-class upgrade to a better vehicle group, based on availability at time of collection, up to a 4-hour grace period when returning the car, express check-in, up to 15% discount from standard rates, and up to 25% off Prestige Collection rates. With more cars and a wider choice at over 8,500 locations across 150 countries, Hertz is a great partner for the journey ahead.11  

Complimentary Avis Preferred membership

As a Platinum Cardmember, Avis invite you to join the Avis Preferred programme.  Avis will also make your rental even more special by offering complimentary one car-class upgrade to full size, based on availability at time of collection and discounted Avis car rentals worldwide.  Start benefiting with up to 15% discount and other privileges by enrolling into Avis Preferred.12

Make cash flow management for your business easier with the Platinum Business Card.

Beneficial Business Payment Terms

Up to 54 days interest free on purchases1 gives you greater control over your cash flow. Simply pay your balance in full every month.


Dynamic Purchasing Power

No pre-set spending limit provides greater purchasing power, for when you need to make those larger item purchases.2

Supplementary Cards

Apply for Supplementary Cards and extend Cardmember benefits to colleagues and employees. You can apply for a Supplementary Platinum Card and four Supplementary Gold Cards at no extra charge.13

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 statement.

You could also save time when tracking and sorting expenses. 

Pay With Points

Use your points to save money by investing back into your business. Redeem Membership Rewards® points for a statement credit against charges on your account.14

Use Membership Rewards points to offset eligible business travel expenses directly on your statement, helping to reduce your business expenses and improve your cash flow.15   There is a minimum redemption of 1,000 points.

Put more into your business. And your pocket.

The Platinum Business Card from American Express can help you get more from your business expenses by earning you Membership Rewards points, which you can redeem for a great selection of rewards. You will also get access to our American Express Invites Programme and exclusive Cardmember offers with our global partners. 

Earn Membership Rewards Points

Earn one Membership Reward point for virtually every full £1 you spend on the card5, so the more spend you put on the Card, the more points you earn. 

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.6

You will also earn 1 Membership Rewards point for virtually every full £1 spent on Supplementary Cards.

Redeem Membership Rewards Points

Use the points you earn to reward your employees or even treat yourself, with the great range of Memebership Rewards from superb brands and world-class partners.

From business flights and office equipment, to high tech gadgetry and spa day experiences, you will find lots of options to redeem point from. Learn more  

Frequent Traveller Programmes

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.

Our partners include  British Airways,  Club Carlson,  Eurostar and Virgin Atlantic Flying Club

American Express Travel

Earn one additional bonus 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 to pay for your next trip in part or in full including any taxes and charges. 

Exclusive Cardmember Offers

Enjoy access to fantastic offers specially created for American Express Cardmembers, from complimentary flight upgrades to special discounts and extra loyalty points. Many of the offers are specifically negotiated for Business Cardmembers.

Previous partners have included: British Airways,  Eurostar,  Expedia,  Harvey Nichols, Opodo, Starwood Hotels and Virgin Atlantic

Enjoy the peace of mind to travel and make business purchases with confidence.

American Express Platinum Business Cardmembers get protection the world over. Whether you're travelling for business, or taking care of business interests, should the worst happen and your flight or your baggage is delayed, or you need help abroad, you'll be covered with our Comprehensive Worldwide Travel Insurance. And with Purchase and Refund Protection you can shop with confidence.

Comprehensive Worldwide Travel Insurance

Wherever business or pleasure takes you, your Platinum Business Card covers you, your family, or colleagues and employees with Supplementary Cards, travelling together or alone on business and leisure trips of up to 120 days.4 

Medical Assistance, Expenses and Repatriation. Up to £2 million cover for treatment, plus additional cover for extended stay, hospital benefit and more, should the unexpected occur when you travel

Cancelling, Postponing, Abandoning, Cutting Short a Trip. Up to £7,500 per person

Car Rental Benefits. Worldwide cover for theft or damage up to £50,000 and liability cover up to £500,000

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. 

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.4

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 £300.4

Stop looking for more time. Start saving it.

The Platinum Business Card has been specially designed to help you with the everyday running of your business, from managing your finances to offering support at every turn.

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, report your Card lost, damaged or stolen and we will help you replace it. 

Foreign Exchange (FX) International Payments
When it comes to your international payments, you need complete confidence. FX International Payments is American Express’ quick, online service with advanced security that helps you streamline your international payments process.16

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 as a downloadable app for iPhone and Android devices.

Who should apply?

To apply for the Platinum Business Card, you should be able to say yes to the following:

  • The business has been trading for more than 1 year
  • 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 personal income over £20,000
  • You will pay the annual Cardmembership fee of £125
  • 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:

Personal details:

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:

  • Your annual income
  • Any existing American Express Card number (this can help speed up the decision-making process of your application).

Business details: 
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 Trading Address are required where applicable. To complete the application process, we may request additional details for verification and authentification purposes. Do ensure you have the following details to hand, if relevant for your business.

  • 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.
  • 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.

Please read important information below

Read Terms & Conditions
Read Summary Box
Read Insurance Documentation
Your guide to the Lending Code

If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative option is available – the Basic Business Card 

1. The maximum amount of time for deferred payment on purchases is obtained only if you spend on first day of new statement period and repay the balance in full on the due date. 

2. Purchases are approved based on a variety of factors including account history, credit record and personal resources. Proof of resources and security may be required.

3. If you are approved for an account and spend £6,000 on purchases on the account within the first 3 months of Cardmembership, 40,000 bonus Membership Rewards points will be awarded onto your account. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held any other Membership Rewards enrolled American Express Cards in the past 6 months.

4. American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL’s contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms, conditions and exclusions apply. Full details of the insurance benefits currently available can be found in Your Insurance Documentation available on this website and which will be provided with your Card. Please read this document to understand the limits and exclusions that may apply. Information is correct at the time of going to print. Participating business partners may vary from time to time. Offers are subject to availability and may vary.

5. Points are not earned on American Express Travellers Cheques, Foreign Exchange, Express Cash transactions and other Account Charges Including Membership Rewards fees and annual Card fees. Read the full terms and conditions here

6. Membership Rewards points never expire as long as your account is open and in good standing.

7. Present your Priority Pass membership card, boarding pass and passport for access to over 600 lounges in the Priority Pass programme. You (the Primary Cardmember) and your 1st Platinum Supplementary Cardmember need to enrol inthe Priority Pass programme. In order to access Priority Pass lounges, you [or your 1st Platinum Supplementary Cardmember] must present: a valid Priority Pass membership card in your [or your 1st Platinum Supplementary Cardmember´s] name, your [or your 1st Platinum Supplementary Cardmember´s] boarding pass for same day travel, and your [or your 1st Platinum Supplementary Cardmember´s] passport. You and your 1st Platinum Supplementary Cardmember will be charged lounge usage fees for any accompanying guests, at the prevailing rate – currently £15 per person, per visit, to your American Express Platinum Business Card. Subsequent years' renewal terms and conditions are at the discretion of Priority Pass. For Priority Pass Conditions of Use, please visit You agree to abide by the Conditions of Use as contained in the Lounge Listing, please visit

8. Valid for new FINE HOTELS & RESORTS bookings made through Platinum Travel Service or Payment must be made with an American Express Platinum Business Card in the Platinum Business Cardmember’s name. Cardmember must travel on itinerary booked. Noon check-in and room upgrade based on availability and provided at check-in. Breakfast amenity varies by property, but will be at minimum a continental breakfast. Benefit restrictions vary by hotel and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Benefits and promotions are 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 providers and benefits subject to change.

9. Enrolment into the Starwood Preferred Guest programme is required to receive benefits.  Benefits are subject to change. Gold Preferred level amenities may not be combined with the Fine Hotels & Resorts programme. All Starwood Preferred Guest Terms and Conditions apply. For complete Terms and Conditions of the Starwood Preferred Guest programme, visit  American Express reserves the right to instruct Starwood Preferred Guest to cancel your membership if you cease to be a Platinum Cardmember or your account is not in good standing.

10. Enrolment in the Club Carlson programme is required.  Benefits are subject to change. Gold Elite level amenities may not be combined with the Fine Hotels & Resorts programme. All Club Carlson Terms and Conditions apply. To view Terms and Conditions visit  American Express reserves the right to instruct Club Carlson to cancel your membership if you cease to be a Platinum Card member or your account is not in good standing.

11. Benefits vary by market and location of rental, and may be subject to availability.  Hertz Gold Plus Rewards® enrolment is required to enjoy all benefits.  Terms and Conditions apply.  Visit the Hertz Gold Plus Rewards ® website for full Terms and Conditions American Express reserves the right to instruct Hertz to cancel your membership if you cease to be a Platinum Card member or your account is not in good standing.

12. Enrolment in the Avis Preferred programme is required to receive benefits, and enrolment is available by calling the Platinum Concierge Service. Benefits are subject to change. All Avis Preferred Terms and Conditions apply.  To view partner Terms and Conditions, visit American Express reserves the right to instruct Avis to cancel your membership if you cease to be a Platinum Cardmember or your account is not in good standing.

13. Additional Platinum Supplementary Cards beyond this will each carry an annual fee of £170 and additional Gold Cards will carry an annual fee of £45.

14. 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 be applied in all instances. Amounts credited will appear on your next Card statement following redemption of this reward. We may decline a Points for Credit request 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 3 business days, cannot be reversed and is not redeemable for cash via a credit balance refund. 

15. You can redeem points against any of your eligible travel transactions and choose how many points you would like to redeem for a credit. Tripflex credits will appear on your account within three working days.

16. Subject to registering and being approved for an American Express Foreign Exchange International Payments account.  

Information is correct at the time of going to print. Participating business partners may vary from time to time. Offers are subject to availability and may vary.

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. The American Express Platinum Business Card is offered by American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Company Number 1833139. American Express Services Europe Limited is authorised in the United Kingdom by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. American Express Services Europe Limited is an appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.