Business Platinum Card® from American Express

Business Platinum Card® from American Express

Welcome Bonus

80,000 Membership Rewards points

Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

Cash Advance Rates

Balance Transfer Rates

Your Monthly Spending


  • Earn 80,000 Membership Rewards® points as a welcome bonus when you spend $6,000 in purchases within the first three months of Cardmembership. That’s $800 in statement credits that can be reinvested in your business.
  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you’re at it.
  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
  • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
  • Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Platinum Cardmembers can enjoy access to specialty services, preferential treatment and a dedicated Concierge team
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 19.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account.

Card Awards

Best Small Business Travel Credit Card

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $499
First Additional Card $199
Other Additional Card $199
Foreign Transaction Fee 2.5%


Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP Lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value


Welcome Bonus amount 80,000 Membership Rewards points
Minimum Spending Required $6,000
Minimum Spending Timeframe (Months) 3 month(s)
Transferable Points
Rewards Type Travel points
Transfer Partners Aeroplan, American Express Membership Rewards, Asia Miles, British Airways Executive Club, Marriott Bonvoy
Loyalty Program American Express Membership Rewards
VIP Lounges $400


Per dollar of purchases

All Spending 1.25 Membership Rewards points
Groceries 1.25 Membership Rewards points
Gas 1.25 Membership Rewards points
Dining and Food delivery 1.25 Membership Rewards points
Convenience Stores 1.25 Membership Rewards points
Drugstores 1.25 Membership Rewards points
Local Transport 1.25 Membership Rewards points
Travel 1.25 Membership Rewards points
Entertainment 1.25 Membership Rewards points
Recurring Payments 1.25 Membership Rewards points
Telecom/Internet 1.25 Membership Rewards points
Streaming services 1.25 Membership Rewards points
Online transactions 1.25 Membership Rewards points
Office Supplies 1.25 Membership Rewards points


Travel Insurance

Insurance Name
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Insurance Document


4.70 Milesopedia Rating