Current offer
Earn as high as 300,000 points
After spending $20,000 in the first 3 months from account opening. Welcome offers vary and you may not be eligible for an offer. Offer terms apply.
Estimated first year value
Based on our valuation of this card.
Compare with another card
See how this card stacks up side by side.
Current offer
Earn as high as 300,000 points
After spending $20,000 in the first 3 months from account opening. Welcome offers vary and you may not be eligible for an offer. Offer terms apply.
The point.me verdict
The Business Platinum Card® from American Express earns its keep on the 35% airline bonus: book award flights with points through Amex Travel and get 35% back, up to 1,000,000 points a year. Add Centurion and Delta lounge access, 2x on select key business purchases and an $895 fee. The catch: near four figures, and a coupon book to work. Show rates & fees.
What we love
- 35% airline bonus rebate on points bookings through Amex Travel, up to 1,000,000 points a year
- Centurion® Lounge and Delta Sky Club® access, plus credits that can outrun the $895 fee
- 2x on select key business categories up to $2,000,000 a year
What we don't
- $895 annual fee, near four figures
- Coupon-book effort: many credits to track to justify the cost
Amex Membership Rewards
American Express Membership Rewards points for US-issued cards can be transferred to more than 20 airline and hotel partner programs, offering members a wide variety of redemption paths. A few especially noteworthy partners include ANA Mileage Club, Delta SkyMiles, and Hilton Honors, the latter of which stands out thanks to its favorable 1:2 transfer ratio that stretches points further.
Rewards on this card
- 5xFlights booked through AmexTravel.com
- 5xPrepaid hotels booked through AmexTravel.com
- 2xU.S. construction material & hardware suppliersCap of $2 million is combined across all 2X categories (U.S. construction material & hardware suppliers, electronic goods retailers, software & cloud system providers, shipping providers, and single purchases of $5,000 or more) per calendar year. Only the highest eligible bonus applies when a purchase qualifies for multiple bonuses
- 2xElectronic goods retailersU.S. electronic goods retailers. Cap of $2 million is combined across all 2X categories per calendar year. Only the highest eligible bonus applies when a purchase qualifies for multiple bonuses
- 2xSoftware & cloud system providersU.S. software & cloud system providers. Cap of $2 million is combined across all 2X categories per calendar year. Only the highest eligible bonus applies when a purchase qualifies for multiple bonuses
- 2xShipping providersU.S. shipping providers. Cap of $2 million is combined across all 2X categories per calendar year. Only the highest eligible bonus applies when a purchase qualifies for multiple bonuses
- 2xSingle eligible purchases of $5,000 or moreCap of $2 million is combined across all 2X categories per calendar year. Only the highest eligible bonus applies when a purchase qualifies for multiple bonuses
- 1xAll other eligible purchases
Card Benefits
Discover the perks included with this card, on top of what you earn.
- $1,150
Dell Technologies Credit (enrollment required)
Up to $150 in statement credits on U.S. purchases directly with Dell Technologies, plus an additional $1,000 statement credit after spending $5,000 or more on that same Card per calendar year. Enrollment required.
- $850
American Express Global Lounge Collection® Access
Complimentary access to more than 1,550 airport lounges across 140 countries through the American Express Global Lounge Collection®.
- $600
Fine Hotels + Resorts® / The Hotel Collection Credit
Up to $300 in statement credits semi-annually (up to $600 per calendar year) on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
- $500
ZO Membership & Credit
Complimentary American Express® ZO Membership from Tishman Speyer, including access to premium ZO Clubhouses and Lounges in select U.S. cities, 4 complimentary day passes per month at U.S. Studio spaces, and up to $500 in statement credits each calendar year for event space bookings and/or a Dining Club membership.
- $360
Indeed Credit (enrollment required)
Up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card, totaling up to $360 back per year. Enrollment required.
- $300
ChatGPT Business Credit (enrollment required)
Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business (subject to auto-renewal). Enrollment required.
- $250
Adobe Credit (enrollment required)
A $250 statement credit after spending $600 or more on U.S. purchases directly with Adobe per calendar year. Enrollment required.
- $219
CLEAR+ Credit
Up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- $200
Hilton for Business Credit (enrollment required)
Up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- $200
Airline Fee Credit (enrollment required)
Up to $200 back per year on baggage fees and other incidentals when you select one qualifying airline.
- $120
Wireless Telephone Service Credit (enrollment required)
Up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S., totaling up to $120 back per year. Enrollment required.
Dollar values shown are estimates used to calculate the card’s first-year value, not the actual value of each benefit.
See what you’d earn
Set your monthly spend to see what you’d earn in year one, and what it’s worth.
Assumes caps apply per year and capped spend falls back to the base rate.
330,600 pts ≈ $5,620
Your first year in annual value
