The Business Platinum Card from American Express
By Alex Compton · Last verified
Platinum lounge access plus a credit stack built for business spend.
Welcome Bonus
300,000
≈$6,000 value
Spend Requirement
$20,000
in 3 months
Annual Fee
$895
No FTF
Credit Score
740+
(Excellent)
Current offer note: Personalized offer advertised as high as 300k
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 6 tracked offers going back to 2019, nothing has beaten 300k.
Current offer
300k
All-time high
300k
Typical offer
135k
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | 300,000 | $20,000 in 3 mo | Bonus increased: 150,000 → 300,000Personalized offer advertised as high as 300k | American Express business card offers page → |
| 2026-06 | 150,000 | $20,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-10 | 150,000 | $20,000 in 3 mo | Bonus increased: 120,000 → 150,000 · Spend: $15,000 → $20,000 | Archive record · no attached snapshot |
| 2023-03 | 120,000 | $15,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2021-08 | 120,000 | $15,000 in 3 mo | Bonus increased: 75,000 → 120,000 · Spend: $20,000 → $15,000 | Archive record · no attached snapshot |
| 2019-01 | 75,000 | $20,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Correction to prior event summary: personalized offer advertised as high as 300,000 points; $895 fee, 2x categories and current credit stack reconciled
American Express business card offers page → - changed
Personalized offer advertised as high as 300,000 points; fee, 2x categories and current credit stack reconciled
Fields: currentOffer, offerHistory, annualFee, earningRates, credits, benefits, pros, cons, ourTake, lastVerified
American Express business card offers page →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xFlights and prepaid hotels via Amex Travel
- 2xPurchases of $5,000+ and select business categories (up to $2M/yr)
- 1xAll other purchases
Credits ($3,399/yr stated)
- Hotel credit$600
$300 semiannually for prepaid Fine Hotels + Resorts or The Hotel Collection bookings
- Dell Technologies credit$1150
$150 plus another $1,000 after $5,000 in eligible Dell purchases; enrollment required
- ChatGPT Business credit$300
Eligible U.S. purchases; enrollment required
- Adobe credit$250
After $600 in eligible U.S. Adobe purchases; enrollment required
- Indeed credit$360
$90 quarterly; enrollment required
- Airline fee credit$200
One selected airline
- Hilton credit$200
$50 quarterly for enrolled Hilton for Business members
- CLEAR Plus credit$219
- Wireless credit$120
$10 monthly, US providers
Benefits
- ✦Centurion Lounges, 10 Delta Sky Club visits on eligible Delta flights, Priority Pass and select partner lounges
- ✦35% points rebate on pay-with-points flights (up to 1M points back/yr)
- ✦Marriott + Hilton Gold status
- ✦Up to $120 for Global Entry or $85 for TSA PreCheck every four years
- ✦Leaders Club Sterling status at Leading Hotels of the World after enrollment
- ✦$250,000 annual spend unlocks $2,400 in One AP credits and $1,200 in Amex Travel flight credits for the following calendar year
- ✦Pay Over Time can carry eligible balances with interest up to the assigned limit
- ✦Full Membership Rewards transfer access
Lounge Access
This card opens 3 lounge networks. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +Extensive lounge footprint and a business-focused credit stack
- +35% pay-with-points rebate is a real 1.54 cents per point floor
- +The advertised 300k ceiling is worth about $6,000 in transfers at our valuation
Where it costs you
- −$20k spend requirement shuts out small operators
- −1x on most spend means it earns poorly day to day
- −Most credits require enrollment, specific vendors or spending thresholds
The Compound Verdict
For a business that already flies, this is the Platinum built around premium travel and vendor-specific credits. The 35% pay-with-points rebate is unusually useful, but the $895 fee and $20k welcome-offer spend make sense only when the business can use the benefits without manufactured spending.
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