American Express
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American Express Business Platinum
American Express
American Express · Premium · Business Card
American Express Business Platinum
Business owners with high travel spend and large one-off purchases who can realistically hit the elevated multiplier thresholds.
Sign-Up Bonus
Up to 300,000 points
after $20,000 spent in the first 3 months — offer is highly personalized; your actual offer may be significantly lower
Estimated value: ~$5,400+ at the maximum stated offer (at 1.8¢/point) — confirm your actual personalized offer before applying
Earn Rates
5x applies to flights and prepaid hotels booked via Amex Travel. 1.5x applies to purchases of $5,000+ (up to $2M/year) and select business categories like shipping and electronics.
5x
Travel
1x
Dining
1x
Groceries
1x
Gas & Transit
1.5x
Everything Else
Estimated redemption value: 1.8¢ per point/mile.
Annual Credits & Perks
~$700/yr realistic value
Amex advertises extensive credits across airline fees, Dell, Indeed, wireless, and CLEAR Plus. Our estimate assumes a business that realistically uses the airline and shipping-adjacent credits, not the full published lineup.
Transfer Partners
Pros & Cons
Pros
- + 5x on flights and prepaid hotels via Amex Travel
- + Strong lounge network shared with the personal Platinum card
- + Large potential welcome offer for high spenders
Cons
- – $895 fee even for a business card
- – Everyday earning outside travel and $5,000+ purchases is weak
- – The advertised welcome offer is frequently far higher than what most applicants are actually offered
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