The Business Platinum Card from American Express
Platinum lounge access plus a credit stack built for business spend.
Welcome Bonus
150,000
≈$3,000 value
Spend Requirement
$20,000
in 3 months
Annual Fee
$695
No FTF
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xFlights and prepaid hotels via Amex Travel
- 1.5xPurchases of $5,000+ and select business categories (up to $2M/yr)
- 1xAll other purchases
Credits ($909/yr stated)
- Dell credit$400
$200 semiannually, enrollment required
- Airline fee credit$200
One selected airline
- CLEAR Plus credit$189
- Wireless credit$120
$10 monthly, US providers
Benefits
- ✦Centurion Lounges, Delta Sky Clubs (when flying Delta), Priority Pass
- ✦35% points rebate on pay-with-points flights (up to 1M points back/yr)
- ✦Marriott + Hilton Gold status
- ✦Global Entry / TSA PreCheck credit
- ✦Full Membership Rewards transfer access
Why it earns its spot
- +Same lounge footprint as personal Platinum at a lower fee
- +35% pay-with-points rebate is a real 1.54 cents per point floor
- +150k offers are worth $3,000+ in transfers
Where it costs you
- −$20k spend requirement shuts out small operators
- −1x on most spend means it earns poorly day to day
- −Dell and wireless credits demand deliberate use
The Compound Verdict
For a business that already flies, this is the cheaper way into the Platinum ecosystem. The pay-with-points rebate quietly outvalues most of the coupon book. If you cannot clear $20k in three months, wait for a lower-spend targeted offer.
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