Business Platinum Card® from American Express
American Express
Intro Offer
Up to 300,000 Points
Annual Fee
$895
Recommended Credit
740–850
Excellent
Rewards & Earn Rates
5X
Travel
1X
Dining
1X
Grocery
1X
Gas
1X
Other
$120
TSA Pre✓ · every 4 years
5x Membership Rewards® points on flights and prepaid hotels booked through American Express Travel | 2x points on eligible purchases in key business categories | 2x points on purchases of $5,000 or more up to $2M per year | 1x Membership Rewards® points on other eligible purchases
Why We Choose It
The Amex Business Platinum is a premium product, no doubt! But, that premium annual fee also means premium benefits that can very quickly cover the annual fee if you know how to use them.
More About the Business Platinum Card® from American Express
A premium business travel card with extensive lounge access and business-focused credits. Best for businesses with high travel and technology spending who can utilize the specific credits to justify the high annual fee.
Pros & Cons
Pros
- Over $1,500 In Annual Credits Including $600 Hotel And Up To $300 ChatGPT Business Credit
- Access To 1,550+ Airport Lounges Including Centurion
- Enhanced 2X Earning On Business Categories (Improved September 2025)
- Global Entry Or TSA PreCheck Credit
Cons
- $895 Annual Fee (Increased September 2025)
- High $20,000 Spending Requirement For Welcome Bonus
- Credits Require Specific Business Spending
- Only 1X Points On Most Everyday Purchases
See Rates & Fees (Terms Apply)
Some links on this page are affiliate links. We may earn a commission if you apply through our links, at no extra cost to you.
Lounge access
Quoted from the issuer's own benefit terms. Guest rules and enrollment requirements differ by network and change without notice, so nothing here is reworded.
- Unlimited
Guests:$50 fee for each guest (or $30 for children aged 2 through 17, with proof of age) per location unless they have qualified for Complimentary Guest Access. Up to two guests complimentary after spending $75,000 or more on eligible purchases on the Platinum Account in a calendar year.
What Business Platinum Card® from American Express's terms say
U.S. Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Companion Platinum Cards on Consumer Platinum Accounts and Employee Business Expense Cards on Business Platinum Accounts are not eligible for access to The Centurion Lounge. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight and present The Centurion Lounge agent with the following upon each visit: their valid Card and boarding pass showing a confirmed reservation with a seat/boarding zone assignment for a departing flight on the same day on any carrier.
- Unlimited
What Business Platinum Card® from American Express's terms say
To receive complimentary access to a Priority Pass™ lounge, eligible Card Members must first select the button below to enroll in Priority Pass™ online. Once enrolled, Priority Pass will send the Card Member's Priority Pass™ Card in the mail within 10–14 business days. To receive access to Priority Pass™ lounges, Card Members must present their Priority Pass™ Physical or Digital Membership Card and same-day boarding pass. Companion Platinum Cards on Consumer Platinum Accounts and Employee Business Expense Cards on Business Platinum Accounts are not eligible for the Global Lounge Collection benefit.
- Unlimited
What Business Platinum Card® from American Express's terms say
To receive access to Plaza Premium Lounges, Card Members must present their U.S. Platinum Card®, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued ID. Companion Platinum Cards on Consumer Platinum Accounts and Employee Business Expense Cards on Business Platinum Accounts are not eligible for the Global Lounge Collection benefit.
- Unlimited
Guests:Up to two guests, complimentary.
What Business Platinum Card® from American Express's terms say
American Express Centurion®️, Platinum Card®️, Business Platinum Card®️ and Corporate Platinum Card®️ Members - Receive complimentary entry for themselves and up to two guests. Card Members must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier, and government-issued ID. During a layover, Card Members may use the Escape Lounge in the connecting airport at any time.
