American Express
American Express® Business Platinum
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+)
Rates and offer last verified June 17, 2026.
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)
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
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)
How does it rank for your spending?
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