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Business Platinum credit card

Amex

Business Platinum

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Card review

Business Platinum

Amex

Last updated October 11, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.

Annual fee

$895

Welcome bonus

See issuer

Est. net value

$1,492/yr

Credit score

Varies

Top earn rate

5x travel

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Business Platinum from Amex carries a $895 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $766.80 in rewards plus $1,620.00 in credits and perks — $1,491.80 net per year before welcome bonuses.

How the points work

5X on flights and prepaid hotels on amextravel.com

1.5X Electronics goods, retailers, software, and cloud service providers

1.5X Construction materials and hardware supplies

1.5X Shipping providers

1.5X on each purchases of $5,000+

1X on all other purchases

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
TravelAirfare on AmexTravel5×
TravelPrepaid Hotels on AmexTravel5×
Everything elseU.S. electronic goods retailers and software & cloud system providers1.5×
Everything elseU.S. construction material and hardware suppliers1.5×
Everything elseU.S. shipping providers1.5×

Credits & benefits

Statement credits and perks we model in net-value calculations.

Credits

  • Airline$200/yr

    $200 annual credit to be used on airline incidental purchases like baggage fees, change fees, etc. with a chosen US airline. Issued every calendar year. Activation required.

  • Dell$400/yr

    Get up to $200 in statement credits between January and June and up to $200 in statement credits between July and December for U.S. purchases with Dell.

  • Global Entry$100/yr

    Get one $100 statement credit for Global Entry every 4 years or one $85 statement credit for TSA Pre-Check every 4.5 years.

  • CLEAR$179/yr

    $179 statement credit to CLEAR membership each calendar year.

  • Indeed$360/yr

    Get $90 each quarter on all Indeed hiring and recruiting products and services to post open positions and find quality talent. Up to $360 total credits each year.

  • Adobe$150/yr

    $150 annual statement credit on select purchases, including Adobe Creative Cloud, the world’s best collection of creative apps and services, and Acrobat Pro DC with e-sign, which makes it easy to send, track and collect trusted e-signatures.

  • Wireless$120/yr

    $10 monthly credit purchases made directly from any US wireless telephone provider. Up to $120 total credits per year

Benefits & perks

  • 35% Airline Bonus

    Receive 3.5 extra points for every 10 points redeemed for a First/Business class flight on any airline, or for flights with a selected qualifying airline using Membership Rewards Pay with Points. Redeem up to 500,000 bonus points per calendar year.

  • Centurion Lounges$50/yr

    Unlimited complimentary access to all locations of The Centurion Lounge. $50 fee for each guest (or $30 for children aged 2 through 17, with proof of age) unless you have qualified for Complimentary Guest Access (by spending $75,000 or more in a calendar year).

  • Delta Sky Club$29/yr

    Complimentary Delta Sky Club access (when flying Delta).

  • Priority Pass $32/yr

    Get lounge access for you and up to two guests for free. (No restaurant credits.)

  • International Airline Program

    Get special discounts on up to eight first class, business class, and premium economy fares when booking through Amex.

  • Hilton Honors Gold

    Get Hilton Gold benefits like free breakfast for two, upgrades (subject to availability), late check-out, 80% bonus on base points, and a 5th night free.

  • Marriott Bonvoy Gold

    Get Marriott Bonvoy Gold benefits like a 25% bonus on points, late check-out, upgrades, enhanced internet, and a welcome gift.

  • Fine Hotels and Resorts (FHR)

    Get benefits like noon check-in, guaranteed 4pm late check-out, room upgrades, daily breakfast for two, free WI-fi, and a special amenity.

  • ShopRunner

    Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.

  • Amex Concert Benefits

    Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.

  • Auto Purchasing Program

    Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.

  • Amex Offers

    Promotions and discounts offered exclusively to card holders.

  • Amex Travel

    Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.

  • Cell Phone Protection

    Receive cell phone protection by paying your bill each month. Max $800 per claim, up to 2 claims per 12-month period, $50 deductible.

  • Global Dining Access

    Receive access to the Resy App, personal dining concierge access.

Transfer partners

Where this card's points can go, and at what ratio. 19 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • ANA Mileage Club1:1
  • Avianca LifeMiles1:1
  • British Airways Avios1:1
  • Cathay Asia Miles5:4
  • Delta SkyMiles1:1
  • Emirates Skywards5:4
  • Etihad Guest1:1
  • Iberia Plus1:1
  • JetBlue TrueBlue5:4
  • Qantas Frequent Flyer1:1
  • Qatar Privilege Club1:1
  • Singapore KrisFlyer1:1
  • Virgin Atlantic Flying Club1:1
  • Aeromexico Rewards1:1.6
  • Choice Privileges1:1
  • Marriott Bonvoy1:1
  • Hilton Honors1:2

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee
−$895
Stated credits
+$1,509
Perks (est.)
+$111
Net after credits & perks
$725

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

WalletFlo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward calculator

Model this card on your spend — adjust categories and compare with others.

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Frequently asked questions

What credit score do I need?
Issuers generally look for good-to-excellent credit; exact thresholds vary.
Is the annual fee worth it?
See the annual fee analysis above, or open the full calculator to model credits and perks against $895 per year.

Ready to apply?

Business Platinum

Apply now