The Business Platinum Card® from American Express

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Card Details and Application Link
The Business Platinum Card® from American Express
 
 
 
150K points
150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)
Click Here to Apply

$695 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.Targeted online offer of 120K points after $15K spend in the first 3 months + 10x at office supply and hardware stores up to $7500 in spend See this post for details.

 
 

FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.

Card Type: Amex Pay Over Time Card

Base
Travel
Other

Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ⚬ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ⚬ 1X elsewhere ⚬ Terms apply.

Noteworthy perks: Up to $200 a year in statement credits for airline incidental fees (select one qualifying airline and then receive up to $200 in statement credits per calendar year for qualifying charges) ⚬ Up to $400 a year in statement credits for Dell purchases ($200 Jan-June; $200 July-Dec) ⚬ Up to $120 in wireless services credits per year ($10 per month) ⚬ Up to $360 per year in credit with Indeed (up to $90 per quarter ⚬ Up to $150 per year in purchases with Adobe for annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign ⚬ $100 Global Entry fee reimbursement.⚬ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status. ⚬ $189 CLEAR fee reimbursement annually (cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year when you charge your CLEAR membership to your Business Platinum card) ⚬ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits

See also: Amex Platinum Guide

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

Related Cards (Membership Rewards)

Card Offer
The Platinum Card® from American Express
 
 
 
150K points + $200 in statement credits
150K after $6K spend in 6 months + $200 in statement credits for purchases in the first 3 months. Terms apply.
(Offer Expires 6/7/2023)

$695 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Resy Offer: 100K after $6K spend in 6 months plus 10x dining for 6 months on up to $25K spend. Terms apply.

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

 
 
The Business Platinum Card® from American Express
 
 
 
150K points
150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.Targeted online offer of 120K points after $15K spend in the first 3 months + 10x at office supply and hardware stores up to $7500 in spend See this post for details.

 
 
American Express® Gold Card
 
 
 
90K points + $200 in statement credits
90K points after $4K in purchases in the first 6 months + $200 statement credit for purchases in the first 3 months. Terms apply. (Rates & Fees)
(Offer Expires 6/7/2023)

$250 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 90K after $4K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22]

 
 
American Express® Green Card
 
 
 
60K Points
60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. Terms apply. See Rates & Fees

$150 Annual Fee

 
 

Recent better offer: This is the best we've seen

 
 
American Express® Business Gold Card
 
 
 
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

 
 

Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

 
 
The Blue Business® Plus Credit Card from American Express
 
 
 
15K points
15K after $3K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee

 
 

Alternate offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

 
 
The Amex EveryDay® Preferred Credit Card from American Express
 
 
 
15K Points
15K after $1K spend in 3 months. Terms apply.

$95 Annual Fee

 
 

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.

Recent better offer: 30K after $2K in first 3 months

 
 

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[…] you can find this on a Business Platinum card it would be possible to stack this with the Amex Business Platinum $200 Dell credit. This offer is part of Amex’s “Semana of Members”, so you must register for […]

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Lance

My referral link is consistently 150k if used in a private browser. Does anyone else have this. It is 120k in most normal browsers

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Mat Maliack

@Greg or others, thinking about applying for the business platinum card. Do you know if gift card purchases will qualify for the $200 airline credit and $200 Dell credits?

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Mat maliack

So I found out that Dell does not dell sell gift cards but you can buy Xbox gift cards through dell.com, would those qualify for the credits?

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Jeremy

Greg,
I mistakenly made a large charge to business platinum’s authorized user’s card while working on $15K min-spend. (I should have charge it to the main card.) Will that charge still be counted toward the min-spend?

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Greg The Frequent Miler

Yes it will count

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Frank

Greg,
I want to add P2 as an authorized user (they call it an employee card) to my business platinum card for the purpose of allowing me to transfer my MR points to her airlines or hotels.

Online I can do this and am given a choice:

  • Employee Business Platinum Card @ $300 annual fee
  • Employee Business Gold Card @ $45 annual fee
  • Employee Business Green Card @ $0 annual fee

I want to minimize the cost, but I don’t know if the Green card allows me to transfer my points to her airlines/hotels. I am pretty sure the other 2 are OK. I know $45 isn’t much but why pay every year unless necessary.

What do you think?

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Greg The Frequent Miler

Go green. Yes it will allow point transfers. Keep in mind that it takes 90 days before point transfers are enabled.

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Frank

Thank you Greg! What would we do without you?

The only reason for the Gold Business card would be the 4x on dining (I don’ buy much in the other categories. But I can usually get 3x there and often even 5x anyway.

Decided: I will take the environmental option.

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Greg The Frequent Miler

Actually the AU / employee cards have the same earn rate as the primary Platinum card. Their names Gold and Green are deceiving because the benefits don’t correspond with the cards with the same names that you can sign up for separately

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Frank

Oh, great, now I feel even better. And thanks for the fast response – I will count the days to 90.

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Frank

I have a business Platinum card (well, more than one actually) but I would like to add P2 as an authorized user so that I can transfer my points to one of her hotel or airline accounts.

Is there a way to get a bonus for adding her?

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Greg The Frequent Miler

Yes, often a bonus shows up when you log into your account. If not, call Amex and ask.

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Frank

I recently found an offer online for more than 100,000 points for this card. It had the language about once in a lifetime and I had this card about 5 or 6 years ago, but this is for a different business. No warning came up when I applied, so I went ahead and was approved. How confident should I be that I will get the bonus? Any way to confirm this? I would hate to spend $15K and get no bonus.

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Vince

There are available referral links for the Amex Business Plat for 110K points with 15K spend. additionally some 5x categories for the first 3 months (gas, office, shipping, wireless). This must be the highest SUB ever for this card? the 5x categories are generally covered by other cards (Ink cash, freedom Q2, etc), so that is a wash. But I am going to guess you would say that this is a no brainer for those in the hunt for MR points

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Greg The Frequent Miler

That’s very good, but 100K offers for the business Platinum card are common. This is better than the usual, but not by a huge margin in my opinion (unless the 5X stuff is meaningful to you).

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Frank

I know you can pay federal taxes but what if you spend $5,000 on taxes? Will you get 1.5 x points? In other words, would this count as an “eligible” expense? Has anyone done this?

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Greg The Frequent Miler

Yes that will work. Note that the credit card processing fees are often charged separately and so you’ll need to pay at least $5K for taxes themselves for that payment to qualify. In other words, it wouldn’t work to pay $4950 in taxes + ~$100 in fees since each of those “purchases” are less than $5K

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Frank

Great, thanks. We will see.

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Frank

Greg, why do you always say Federal Taxes and not also State Taxes (I know that not all states allow credit card payments). Would this be an issue with AMEX?

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Greg The Frequent Miler

Only because there are services that allow you to pay federal taxes for about 2% in fees. Options for paying state taxes vary by state. I don’t believe Amex would have any issues with it

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Frank

Thanks.

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Art Leyenberger

Frank-just thinking out load and maybe you’ve already thought of this- The AMEX BBP card gives 2% on everything (irrespective of amount charged) if I’m not mistaken (I just got it). Why not use that?

Last edited 11 months ago by Art Leyenberger
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Frank

Because I need to complete the spend of $15K in 3 months for 150,000 MR points. Otherwise I would use my BofA Premium VISA and get a small profit (2.625% cash back).

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trackback

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[…] $595 Business Platinum card is loaded with perks.  Standard perks include, among other […]

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[…] Let’s quickly compare the credits available in 2020 (note that some of these are May to December 2020 only) on the consumer version of the Platinum card and the Business Platinum: […]

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[…] at many stores. Some stores have increased rates that aren’t quite so high. For example, Business Platinum cardholders will be glad to see Dell at 10x / 10% given the increased credit being offered for […]

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[…] are there any requirements to how we buy it?  For example, could we pay with points with an Amex Business Platinum card in order to get a 35% point […]

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[…] is a newly-increased offer on the Business Platinum Card from American Express that is only available via referral and is good for up to 100,000 Membership Rewards points, […]

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[…] good for 10% back at Dell. This offer is showing up on Amex business cards. I found it on a Business Platinum card, which is awesome because one of the key features of that card is a semi-annual $100 credit […]

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[…] is a newly-increased offer on the Business Platinum Card from American Express that is only available via referral and is good for up to 100,000 Membership Rewards points, […]

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[…] Business Platinum Card offers a 35% Airline Bonus: Get 35% of your points back when you redeem points through Amex Travel […]

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[…] Tumi sale for big savings on a Tumi bag. Dell presents an opportunity for those with the Business Platinum card to stack their semi-annual $100 credit with the ability to earn a thousand easy miles. […]

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[…] Membership Rewards: The Business Platinum card offers a 35% Airline Bonus.  When you redeem points through Amex Travel for either a First or […]

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[…] from American Express offer a $50 credit for Sak’s Fifth Ave purchases twice a year. The Business Platinum card from American Express offerings a twice-annual $100 credit for Dell purchases. Stacking those credits with 14% back lets […]

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[…] to new applicants) both offer automatic Marriott Gold status.  Similarly Amex Platinum and Business Platinum cards offer free Gold status (you must […]

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[…] of Feb 1 2019, the American Express Business Platinum Card offers up to $200 per year in statement credits for Dell purchases.  Cardholders who enroll in […]

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[…] to new applicants) both offer automatic Marriott Gold status.  Similarly Amex Platinum and Business Platinum cards offer free Gold status (you must […]

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[…] 10 passes per calendar year good for either domestic or international flights.  Available only to Business Platinum cardholders. Click here to […]

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[…] “2x”, it’s really an extra 1x. For example, if you made a $5,000 purchase on a Business Platinum card, you would only earn 2.5x total on this order (1.5x for purchases of $5K or more on that card […]

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[…] the Chase Sapphire Reserve card or via the Amex Travel portal, which would cost even less after the Business Platinum pay-with-points […]

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[…] The Business Platinum Card from American Express: 1.54 cents per mile.This card offers a 35% airline bonus: “Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 500,000 points back per calendar year.”  This bonus means that you can book certain flights for 1.54 cents per point after the rebate. […]

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[…] Express has sent out an email to Business Platinum cardholders advising them of changes coming to that card in 2019, including an increased annual […]

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[…] Gogo Infight Wi-Fi: 12 in-flight passes per year per card.  If you have 3 authorized users, you can load all 48 passes to your Gogo account if you want to, or each cardholder can get 12 of their own.  Each pass only works for one flight segment and they do not work for international flights (for international Gogo passes, you’ll want the Amex Business Platinum card). […]

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[…] addition to the perks listed under “Standard Platinum Benefits”, above, the Amex Business Platinum Card offers the following primary […]

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[…] those thinking long-term can also consider the chance that you could see an upgrade offer for the Business Platinum card down the road. For example, I opened my Business Gold Rewards card under a similar offer a few […]

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[…] in the US and US territories. Still, it amounts to 20% back on $300 spend. I found this offer on my Business Platinum card and both SPG […]

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