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American Express® Business Platinum
American Express

American Express® Business Platinum

A $895-a-year travel rewards card from American Express.

Transfers to airlines & hotels
Annual fee
$895/yr
Welcome bonus
Up to 300,000 Membership Rewards® Points
Min spend
$20,000 in 3 months
Recommended credit
Excellent (720+)
Network
Amex
Foreign transaction fee
None
Apply on American Express site8.3/10Our rating · review ›

Rates, fees, and full terms are set by American Express and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: American Express application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $895 annual fee.

Earning rates

5x Membership Rewards® points on flights and prepaid hotels booked via Amex Travel
1.5x on eligible purchases of $5,000 or more (up to $2M per year)
1x on all other purchases
35% points back when using Pay with Points for flights (up to 1M points/yr)

Best ways to earn & redeem

Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its travel rate is among the stronger ones you will find in that category.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$200 airline fee credit annually
$200 hotel credit (Fine Hotels + Resorts or The Hotel Collection)
Up to $400 Dell Technologies credit ($200 Jan to Jun, $200 Jul to Dec)
Up to $360 Indeed credit ($90/quarter)
Up to $150 Adobe credit annually
Up to $120 wireless telephone credit
Global Entry or TSA PreCheck application fee credit
Delta SkyClub access when flying Delta (up to 15 visits/yr)
No foreign transaction fees
Primary rental car coverage
Trip cancellation/interruption insurance and trip delay insurance
Cell phone protection up to $800
Purchase protection and extended warranty
Complimentary Hertz President's Circle, Avis Preferred, and National Emerald Club Executive elite rental status

Lounge access

The Centurion Lounge and Sidecar by The Centurion Lounge
Priority Pass Select membership, airport lounges only (U.S. Amex cards no longer include Priority Pass restaurants)
Delta Sky Club when flying Delta same-day: 10 visits per year, unlimited after $75,000 in annual spend; no free guests ($50 per guest)
Escape, Plaza Premium, Airspace and other Global Lounge Collection lounges (1,550+ lounges across 500+ airports)

Statement credits

$200 airline fee credit annually
$200 hotel credit (Fine Hotels + Resorts)
$400 Dell Technologies credit
$360 Indeed credit
$150 Adobe credit
$120 wireless telephone credit
Global Entry or TSA PreCheck fee credit (~$100)

Transfer partners

Your Membership Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Marriott Bonvoy, Hilton Honors, The Leading Hotels of the World

You can check the live points price for a specific stay on rooms.aero.

See the full American Express ecosystem, card lineup, and live transfer bonuses →

Alternatives to the American Express® Business Platinum

Pairs well with

The American Express® Business Platinum is an American Express transfer hub. Pair it with these strong Membership Rewards earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the American Express® Business Platinum lands.

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