Business Platinum Card^®

Annual Fee: $895^¤†

Know if you're approved with no personal credit score impact

about potential personal and business credit score impacts.

^♦︎^‡†Offer & Benefit Terms

^¤Rates & Fees

^♦︎^‡†Offer & Benefit Terms

^¤Rates & Fees

Choose your preferred Card design, including classic metal or mirror

Explore solutions designed to back your business:

Learn how you can unlock over $4,000 in annual value:

Elevate your next business trip through premium benefits and rewards.

Up to $219 CLEAR+ Credit

Statement credits up to $219 per calendar year for an auto-renewing CLEAR+ Membership, excluding taxes and fees.^‡

5X Membership Rewards^® Points Through Amex Travel

Earn 5X Membership Rewards^® points on flights and prepaid hotels booked on AmexTravel.com.^‡

POINTS BACK

35% Airline Bonus

Get 35% points back after you use Pay with Points for flights booked through Amex Travel with your selected qualifying airline, up to 1,000,000 points back per calendar year.^‡

Leaders Club Sterling Status from The Leading Hotels of the World^®

Enjoy bespoke benefits at over 400¹ independent luxury hotels across the globe with complimentary Leaders Club Sterling Status from The Leading Hotels of the World^®. Enrollment required.^‡

¹As of 04/25

The Hotel Collection

Receive a $100 credit towards eligible charges¹ when you book two nights or more with The Hotel Collection with AmexTravel.com.²^‡

¹Eligible charges vary by property.
²The Hotel Collection requires a two-night minimum stay.

Fee Credit for Global Entry or TSA PreCheck^®

Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck^® (through a TSA official enrollment provider) application fee every 4 years, when charged to the Business Platinum Card. If approved for Global Entry you will also receive access to TSA PreCheck at no additional cost.^‡

Hotel Perks

Marriott Bonvoy^® Gold Elite Status

As a Platinum Card Member, you can receive Marriott Bonvoy^® Gold Elite Status without meeting any stay requirements. Enrollment required. Terms and limitations apply.^‡

Hilton Honors^™ Gold Status

With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points. Enrollment required.^‡

Travel Insurance

Car Rental Loss and Damage Insurance^♦

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.

Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Trip Delay Insurance – Premium Cards

Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance^‡ can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.¹

¹Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance

Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance^‡ can help reimburse your non-refundable expenses purchased with the same Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.¹

¹Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan^♦

Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle Ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

More Travel Benefits

No Foreign Transaction Fees^¤

Shop like a local.
No matter where you’re traveling, when you use the Business Platinum Card there are no foreign transaction fees from American Express.^‡

Car Rental Privileges - Avis, Hertz, National^‡

Business Platinum Card Members enjoy complimentary premium status for select car rental programs. Business Platinum Card Members can view their specific Car Rental Privileges online by logging into their American Express account. Card Members must enroll through their American Express online account using their eligible Card. Terms and limitations apply.

Power your business with benefits and rewards built for you.

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.^‡

$300 ChatGPT Business Credit^‡

Start using ChatGPT Business for work—with a shared workspace, admin controls, and connectors to your company tools. Get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business¹ on the Business Platinum Card. Enrollment required.^‡

¹Subject to auto-renewal.

NEW

$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

Get up to $90 in statement credits quarterly for purchases with Indeed on the Card. That’s up to $360 back per year. 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.^‡

No Preset Spending Limit

No Preset Spending Limit can give you flexibility in ways traditional credit cards don’t. The amount you can spend adapts based on factors such as your purchase, payment, and credit history. Rather than having a set limit, you could grow your purchasing power the more you consistently use your Card and regularly make payments.^‡

Cash Flow Flexibility

Expense Management

Employee Cards^‡

Stay on top of what employees are buying, when they buy it.
Get real-time Merchant Category Alerts if employees spend outside of merchant types that you've approved, such as U.S. gas stations, U.S. shipping, and U.S. office supply stores.^‡ No annual fee option.^†

Connect to QuickBooks^®^‡

Streamline expenses from your enrolled Business Card when your transactions from the Business Platinum Card are sent to your QuickBooks.^‡

Online Statements

View your purchase history, prepare reports, and budget your expenses.

Account Manager^‡

Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and adding Employee Cards, so you're free to focus on other priorities. Enroll an Account Manager.^‡

Year-End Summary^‡

Organizing your finances can be a time-consuming task. That's why we provide a Year-End Summary^‡ of charges as one of the many features of managing your account online. You can analyze your annual expenses in pie or bar charts by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel. With your charges itemized in one place, the Online Year-End Summary is a great tool you can rely on to help prepare for your taxes and manage your spending. Learn more at americanexpress.com/yes.^‡

Vendor Pay^‡

Take advantage of Vendor Pay by Bill.com by enrolling your Card. With the Basic plan, there is no monthly fee for the first user and no fee for a second user for six months. After six months, the second user will have a fee of $15 per month. Additional fees may apply based on plan type and number of users.^‡

MORE VALUE

on qualifying purchases on the Business Platinum Card.

$1,200 Amex Travel Online Flight Statement Credit

Unlock up to $1,200 in statement credits on flights booked on AmexTravel.com with the Business Platinum Card, for use in the next calendar year¹, after spending $250,000 in eligible purchases in this calendar year. Learn more and explore destinations at AmexTravel.com.^‡

¹Statement credits valid for flights booked on AmexTravel.com between January 1 and December 31 of the calendar year after the calendar year in which you make $250,000 in eligible purchases with the Business Platinum Card.

Choose your preferred card design, either classic metal or mirror when applying for the Business Platinum Card.

Rewards

Learn how you can earn points and redeem for rewards.

35%

POINTS BACK

On Flights

Use Pay with Points for a flight with your selected qualifying airline through Amex Travel, and get 35% of those points back, up to 1,000,000 points back each calendar year.^‡

More Ways to Redeem Membership Rewards^® Points

Pay with Points at Checkout

Turn Membership Rewards^® points into upgrades for your business or rewards for your employees. Use Pay with Points at Checkout when shopping at places like Amazon.com, Saks.com, and more.^‡

Cover Your Charges with Points

Don't miss out on rewarding your business or team. Use Membership Rewards^® points to cover eligible charges – from team lunch to tech essentials. Log in to your account, select eligible charges to cover, and receive a statement credit.^‡

Redeem Points for Gift Cards

With Membership Rewards^® points, you've got options. Redeem for a variety of gift cards from over 75 brands, then put them toward big-ticket tech upgrades, everyday essentials, or much-needed office supplies.^‡

Redeem for Deposits

Make the most of Membership Rewards^® points by reinvesting in your business. With an American Express^® Business Checking account, you can convert points into deposits directly into your account and use those funds as you need to support your business. No monthly maintenance fees and no minimum balance required.^‡

Membership

Access the powerful backing of American Express.

Platinum Travel Service

Platinum Travel Consultants specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.^‡

Customer Service

Premium Global Assist^® Hotline^‡

You can rely on 24/7 medical, legal, financial, and other select emergency coordination and assistance services while traveling more than 100 miles from home. Premium Global Assist^® Hotline^‡ can direct you to medical and legal professionals and help with prescription replacement coordination, emergency hotel check-ins and cash wires, missing luggage, and more. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.

Customer Service

Find ongoing support when you need it - we're here to serve you and your employees with exceptional customer service and trusted account support.

Dining and Entertainment

Platinum Nights^™ by Resy

With Platinum Nights^™ by Resy, you can get special access to reservations on select nights in select cities at participating in demand Resy restaurants with the Business Platinum Card®. Simply add your eligible Card to your Resy profile to discover and book Platinum Nights reservations.

Global Dining Access by Resy

Global Dining Access by Resy provides Business Platinum Card Members with access to exclusive reservations, Priority Notify, and a badge on your Resy profile, letting restaurants know that you are a valued member of the Global Dining Access program. Visit resy.com/globaldiningaccess or the Resy app and add your Business Platinum Card to your Resy profile to begin unlocking your benefits.

Amex Special Ticket Access^‡

Card Members can get access to purchase Amex Presale Tickets^® and Amex Reserved Tickets^® to select can't-miss events and moments across sports, music, and more.¹

¹While supplies last, not all seats may be offered.

Additional Services

Cell Phone Protection

Sometimes the Unexpected Happens
You can be reimbursed, the lesser of, your costs to repair or replace your damaged or Stolen cell phone for a maximum of up to $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim. Additional terms and conditions apply.^1‡

¹Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Extended Warranty^♦

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.

Purchase Protection^♦

Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date. Please read important exclusions and restrictions.¹
¹Up to $10,000 per Covered Purchase, up to $50,000 per calendar year.

Dispute Resolution

If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.^‡

Frequently Asked Questions about the Business Platinum Card^®

Does the Business Platinum Card^® have dining benefits?

Card Members can enjoy premium dining access through Global Dining Access by Resy and Platinum Nights^™ by Resy.

By adding your Business Platinum Card^® to your Resy profile, you can unlock access to sought-after reservations, exclusive dining experiences, and special events at select restaurants. This includes features like Priority Notify and access to curated dining opportunities through the Resy platform.

Will my credit score be impacted if I apply for the Business Platinum Card^®?

The Business Platinum Card^® offers a streamlined application process that allows you to check if you’re approved with no impact to your personal credit score.^¹

Here’s how the approval process works:

1. Apply – Submit your application. There is no impact to your personal credit score at this stage, though there may be an impact to your business credit score.
2. Get a Decision – You’ll receive a decision on your application with no impact to your personal credit score.
3. Accept the Card – If you’re approved and choose to accept the Card, there may be an impact to your personal credit score. ¹This process helps you understand your approval status before making a decision, giving you more control and clarity when applying.

^¹ There is no impact to your personal credit score to check if you’re approved. If you accept the Card, there may be an impact to your personal credit score. There may also be an impact to your business credit score when you apply. This application process may not be available if you leave the page and return later.

Does the Business Platinum Card^® have foreign transaction fees?

Does the Business Platinum Card^® have lounge access?

Yes, the Business Platinum Card^® offers extensive airport lounge access through the Global Lounge Collection.^‡

With access to over 1,550 airport lounges worldwide—more than any other credit card company on the market—you can enjoy a more comfortable travel experience with entry to The Centurion Lounge, Delta Sky Club^® (when flying eligible Delta flights), Priority Pass^™ lounges (enrollment required), and other select partner lounges.

Card Members can enjoy complimentary access to The Centurion Lounge when traveling, as well as Delta Sky Club^® access with 10 Visits each year when flying eligible Delta flights. Additional access opportunities may be available, including the ability to unlock unlimited Delta Sky Club^® access after meeting eligible spend thresholds.

^‡Terms and limitations apply. Visit the Global Lounge Collection page for details on access, participating lounges, and eligibility requirements.

Business Platinum Card®

Explore solutions designed to back your business:

Hotel Perks

Travel Insurance

More Travel Benefits

Cash Flow Flexibility

Expense Management

When you apply for the Business Platinum Card you have the option to choose your Card's design.

Rewards

More Ways to Redeem Membership Rewards® Points

Membership

Platinum Travel Service

Customer Service

Dining and Entertainment

Additional Services

Know if you're approved with no personal credit score impact

Frequently Asked Questions about the Business Platinum Card®

Does the Business Platinum Card® have dining benefits?

Will my credit score be impacted if I apply for the Business Platinum Card®?

Does the Business Platinum Card® have foreign transaction fees?

Does the Business Platinum Card® have lounge access?

Business Platinum Card^®

More Ways to Redeem Membership Rewards^® Points

Frequently Asked Questions about the Business Platinum Card^®

Does the Business Platinum Card^® have dining benefits?

Will my credit score be impacted if I apply for the Business Platinum Card^®?

Does the Business Platinum Card^® have foreign transaction fees?

Does the Business Platinum Card^® have lounge access?