A targeted 300,000-point welcome bonus is floating around for the American Express Business Platinum Card, and it's one of the biggest bonuses we've seen from Amex. While the public offer recently jumped to 200,000 points, select applicants can snag an extra 100,000 points with the right approach.

Here's what you need to know about this deal and how to maximize your chances of getting approved.

What's the Offer?

Earn 300,000 Membership Rewards points after spending $20,000 in the first 3 months of card membership.

That's 100,000 more points than the current public offer of 200,000 points. At our valuation of 2.2 cents per point, this bonus alone is worth $6,600 in premium travel.

The catch? This is a targeted offer, meaning not everyone will see it. But don't worry—there are several strategies you can try to pull this elevated bonus.

How to Find the 300K Offer

Based on recent success stories from the points community, here are the methods that have worked:

Try the incognito/private browsing method. Open a private browser window, search "Amex Business Platinum" on Google, and click the first non-sponsored result. Some people have reported success after a few attempts using this approach.

Use the timeout trick. Navigate to the American Express Business Platinum page. If you see the standard 200,000-point offer, leave the tab open and walk away. After the page times out (typically 1-2 hours), refresh it. A higher offer sometimes appears after the refresh.

Switch up your device and connection. Try different combinations—desktop vs. mobile, home WiFi vs. mobile hotspot, different browsers (Opera has been mentioned as successful). The offer seems to populate differently based on your browsing profile.

Check your Amex account. If you're already an Amex cardholder, log into your account and look under the "Check for Offers" section. Amex sometimes displays elevated offers to existing customers here.

Use CardMatch tool. This free tool doesn't affect your credit score and can show you if you're pre-qualified for elevated offers. It won't guarantee the 300K bonus, but it's worth checking.

Don't ignore mailers and emails. Amex frequently sends targeted offers via direct mail or email. Make sure you're opted into marketing communications in your Amex account settings under General Marketing Email Preferences.

Understanding credit card application rules can help you maximize your approval odds. Check out our guide on Chase 5/24 rule strategy to understand how timing your applications affects your chances with different issuers.

Understanding the "As High As" Language

You might see an offer that says "as high as 300,000 points" rather than a clean 300K offer. Both versions exist, but here's the difference:

The "as high as" version means your actual bonus will be revealed during the application process before the hard credit pull. Most people who see this language do end up getting the full 300,000 points, but there's a small chance you could be offered less.

The clean 300K offer (without "as high as" language) guarantees the full bonus from the start but seems to be rarer.

Either way, Amex will show you the exact bonus you're approved for before you accept the card, so you can back out if the offer isn't what you expected.

Card Benefits Worth Knowing

Beyond the massive welcome bonus, the Business Platinum comes with genuinely valuable perks for business owners and frequent travelers:

Airport lounge access. Entry to over 1,550 lounges worldwide, including Amex Centurion Lounges, Delta Sky Clubs when flying Delta same-day, and Priority Pass lounges (enrollment required).

Up to $600 hotel credit annually. This comes as two semi-annual $300 credits for prepaid stays through Fine Hotels + Resorts or The Hotel Collection on AmexTravel.com. These programs also include breakfast, room upgrades, and late checkout when available.

5X points on travel. Earn 5 points per dollar on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com. That's solid earning for business travel expenses.

Multiple statement credits. The card offers credits for Dell purchases, Adobe, Indeed, U.S. wireless providers, airline fee incidentals, and CLEAR Plus membership. If you use these services anyway, they help offset the annual fee.

Elite status perks. Complimentary Hilton Honors Gold, Marriott Bonvoy Gold Elite, and National Car Rental Executive Elite status upon enrollment.

35% airline bonus. When you use Pay with Points for flights booked through AmexTravel.com with your preselected airline, you get 35% of those points back (up to 1 million bonus points per calendar year).

Want to compare this card against other options? Our comprehensive American Express Business Card comparison breaks down which Amex card makes the most sense for your spending patterns.

The Lifetime Language Problem

Here's the reality check: American Express includes lifetime language on this offer. In plain terms, "you may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card."

In practice, Amex's "lifetime" usually means 5-7 years. If you had the Business Platinum more than five years ago, you might still qualify for the bonus. But if you got a welcome bonus on this card in the past few years, expect to see the dreaded "pop-up" during application letting you know you're not eligible.

The good news? Amex will notify you before processing your application, so you can withdraw it if you're not eligible. That means you can apply without risking a hard credit pull if you're unsure of your eligibility.

If you're new to maximizing credit card bonuses, our beginner's guide to earning points and miles walks through the fundamentals of building a points-earning strategy.

Is the $895 Annual Fee Worth It?

Let's be honest—this card isn't cheap. At $895 per year, it's one of the most expensive business cards on the market.

But if you can use the credits and travel perks, the math works out. Between the hotel credit ($600), Dell credit (up to $400), wireless credit (up to $120), and airline fee credit (up to $189), you're looking at over $1,300 in potential statement credits annually.

Add in the lounge access, elite status perks, and bonus points on business spending, and the card more than justifies its fee for frequent business travelers.

For the first year especially, with the 300,000-point bonus, you're getting incredible value even after accounting for the fee. That bonus alone could book multiple business class flights to Europe or several luxury hotel stays.

Looking at other premium business cards? The Chase Ink Business Preferred offers a different value proposition with 3X points on a broader range of business categories and a lower annual fee.

What You Can Do With 300,000 Points

Here's where this gets exciting. With 300,000 Membership Rewards points, you can:

Book multiple business class flights. Transfer 60,000-80,000 points to partners like Virgin Atlantic or Air France-KLM Flying Blue, and book premium cabin flights to Europe. That's enough for 3-4 one-way business class tickets.

Experience true luxury travel. Use 120,000-160,000 points for first class to Asia through ANA or Singapore Airlines (after transferring to their programs). You'd still have points left over for hotel stays.

Maximize with transfer bonuses. Amex occasionally offers transfer bonuses to partners like Virgin Atlantic (20-30% extra points). With smart timing, 300,000 points could stretch even further.

Keep it simple with Amex Travel. Book directly through AmexTravel.com and redeem points at 1 cent each, getting $3,000 worth of travel without worrying about transfer partners. Not the highest value, but perfectly reasonable.

The flexibility of Membership Rewards points is what makes this bonus so valuable. You're not locked into one airline or hotel chain—you can choose the redemption that makes sense for your travel plans.

New to transferring points to airline partners? Our guide to maximizing Amex Membership Rewards transfer partners explains how to get the most value from your points.

How to Apply If You See the Offer

Once you find the 300K offer, don't wait too long to apply. These elevated bonuses can disappear without warning.

Before you click submit, make sure:

You meet Amex's 2/90 rule (no more than 2 new credit cards in the past 90 days—charge cards don't count).

You haven't received a welcome bonus on this card in the past 5-7 years.

You can realistically meet the $20,000 minimum spend in 3 months. Rent, inventory purchases, quarterly tax payments, or large business expenses can help you hit this threshold.

During the application, Amex will show you the exact bonus amount before performing a hard credit pull. If you see anything less than 300,000 points (or 250,000 if you're willing to accept that), you can withdraw the application without affecting your credit score.

Need help meeting minimum spend requirements? Our strategies for meeting credit card minimum spend offers practical approaches beyond just your everyday spending.

Apply for the American Express Business Platinum Card here

Our Take

The 300,000-point offer on the Business Platinum is absolutely worth pursuing if you're eligible. Yes, the $20,000 minimum spend is steep, but for business owners with regular expenses, it's manageable over three months.

The combination of the massive welcome bonus, valuable travel perks, and ongoing credits makes this one of the strongest business card offers available right now. The key is taking the time to hunt for the elevated bonus rather than settling for the public 200K offer.

Don't expect this offer to stick around forever. Amex has a history of pulling back their best bonuses without notice, so if you've been on the fence about the Business Platinum, now's the time to jump.

Click here to check if you're eligible for the 300,000-point offer

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