
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.
| Category | Rate |
|---|---|
| TravelAirfare on AmexTravel | 5× |
| TravelPrepaid Hotels on AmexTravel | 5× |
| Everything elseU.S. electronic goods retailers and software & cloud system providers | 1.5× |
| Everything elseU.S. construction material and hardware suppliers | 1.5× |
| Everything elseU.S. shipping providers | 1.5× |
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
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
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.