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
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.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 5 tracked offers going back to 2019, nothing has beaten 150k.
Current offer
150k
All-time high
150k
Typical offer
120k
In place since
October 2024
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
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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
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
- +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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