Business Platinum Card® from American Express

Business Platinum Card® from American Express

The Best Business Charge Card from American Express. Earn 1.25 points on all your purchases, and get unlimited access to airport lounges and reliable insurance.

Take advantage of this limited-time welcome offer!

Welcome Bonus

80,000 points



Best For

Annual Fee


Purchase Rates

Cash Advance Rates

Balance Transfer Rates


  • Earn up to 100,000 bonus Membership Rewards® points: Earn 80,000 bonus Membership Rewards® points when you spend $6,000 in purchases within the first three months of Cardmembership. Plus, earn an additional 20,000 bonus Membership Rewards points when you make a purchase after your 14-month Card anniversary date. That’s $1,000 in statement credits, you can reinvest into 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 1200 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
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges

Fees & Conditions

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


Welcome Bonus 80,000 points
Minimum Spending Required $6,000
Minimum Spending Timeframe 90 day(s)
Rewards Type Travel points
Transferable Points
Transfer Partners Aeroplan, American Express Membership Rewards, British Airways Executive Club, Hilton Honors, Marriott Bonvoy, Asia Miles, Delta Skymiles
Loyalty Program American Express Membership Rewards
All Spending 1.25
Travel 1.25
Local Transport 1.25
Dining and Food delivery 1.25
Groceries 1.25
Convenience Stores 1.25
Gas 1.25
Drugstores 1.25
Office Supplies 1.25
Telecom/Internet 1.25
Entertainment 1.25
Online transactions 1.25
AIR MILES partners 1.25
Air Canada 1.25
Streaming services 1.25
Recurring Payments 1.25


We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:

  • The value of cash back or points earned
  • The value of the benefits or credits earned with the Card
  • The annual fee value (offered or not)

More info on our points and miles evaluation page.

Calculation of the offer’s value in the first year
Value per point 1.7 ¢
Welcome bonus ≈ $1,360
Unlimited access to airport lounges (an estimated $250 value per year) ≈ $250
Annual fee – $499
Value ≈ $1,111



Common Carrier Travel Accident Insurance Amount $500,000
Flight Delay Insurance Amount $1,000
Delayed Baggage Amount $1,000
Lost/Stolen Baggage Insurance Amount $1,000
Trip Cancellation Insurance Amount Per Person $1,500
Trip Interruption Insurance Amount Per Person $1,500
Travel medical insurance up to 64 years old - Amount $5,000,000
Travel medical insurance up to 64 years old - Duration 15 day(s)
Auto Rental Loss/Insurance - Amount MSPP $85,000
Hotel/Motel Burglary Insurance - Amount $1,000
Purchase Protection - Amount $1,000
Purchase Protection - Duration 90 day(s)
Medical Travel Insurance
Extended Warranty
Extended Warranty - Duration 1 year(s)
Insurance Document Learn More


4.70 Milesopedia Rating