American Express

Amex Business Platinum

$895/year, earning Membership Rewards Points, on the American Express network.

Card terms last verified against issuer pages on 2026-09-20.

At a glance

The Amex Business Platinum is a $895/year card from American Express earning Membership Rewards Points. It earns 5x on airline (amextravel), 5x on hotel (amextravel), 2x on large purchase ($5,000+) and 1x on everything else. It carries 11 recurring statement credits worth $4,819 a year, listed in full below with the cap and reset date for each.

Annual fee$895

Credits a year$4,819

Base rate1x

Foreign feeNone

Welcome bonus

300,000 Membership Rewards Points — Spend $20,000 within the first 3 months.
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.

What it earns

Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Membership Rewards Points and that price is a judgement, not a fact — see how we source this.

Category	Rate	Notes
Airline (AmexTravel)	5x
Hotel (AmexTravel)	5x
Large Purchase ($5,000+)	2x
Electronics	2x
Shipping	2x
Construction & Hardware	2x
Other	1x	Everything else

Statement credits

$4,819 a year across 11 credits against a $895 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$2,400 One AP Subscription Credit After $250,000 in eligible spend per calendar year, receive up to $2,400 in statement credits toward One AP® subscription fees.

Once a year, resets on the calendar year

$2,400

Fine Hotels + Resorts Credit Up to $600 annual statement credit ($300 semi-annually) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel

Twice a year, resets on the calendar year

$300

$600

$360 Annual Indeed Credit enrol first Get up to $90 in statement credits each quarter when you use your Business Platinum Card on eligible Indeed purchases. That's up to $360 annually. Enrollment required.

Quarterly, resets on the calendar year

$90

$360

ChatGPT Business Credit enrol first Up to $300 in annual statement credits for ChatGPT Business subscriptions on your Business Platinum Card. Enrollment required.

Once a year, resets on the calendar year

$300

Adobe Credit $250 statement credit when you spend $600 or more on Adobe products per calendar year

Once a year, resets on the calendar year

$250

CLEAR Plus Credit You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR Plus Membership (subject to auto-renewal) with your eligible American Express Card.‡

Once a year, resets on the calendar year

$209

$200 Hilton Credit enrol first Get up to $200 in statement credits per calendar year (up to $50 per quarter) when you enroll in the $200 Hilton Statement Credit Benefit with your Business Platinum Card through American Express. Purchases must be made directly with a property in the Hilton portfolio on your Business Platinum Card. Hilton for Business membership is required. If your business does not already have a Hilton for Business account, you will be registered for one at the time you enroll in the benefit. Hilton for Business offers additional travel value such as access to discounted rates, travel management tools, and loyalty benefits. To learn more about Hilton for Business, visit HiltonForBusiness.com.

Quarterly, resets on the cardmember year

$50

$200

Airline Fee Credit enrol first Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags, in-flight refreshments, flight-change fees, overweight / oversize baggage fees, airport lounge day-passes, pet-kennel fees, and phone reservation fees, are charged by the airline to your Platinum Card® account.

Once a year, resets on the calendar year

$200

Dell Credit enrol first Up to $150 annual statement credit on Dell Technologies purchases

Once a year, resets on the calendar year

$150

$10 Monthly Wireless Credit enrol first Up to $120 annual statement credit for wireless phone services ($10 monthly)

Monthly, resets on the cardmember year

$10

$120

Global Entry Credit Statement credit for Global Entry ($120) or TSA PreCheck ($85) application fee

Every 4 years, resets on the cardmember year

$120

$30

Other perks

Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.

Perk	How often	Estimated value
Dell Spend Bonus$1,000 statement credit after spending $5,000+ on Dell Technologies purchases per calendar year	Once a year	~$1,000
Delta Sky Club Access10 complimentary visits per year to Delta Sky Club lounges when flying Delta	Once a year	~$390

Status and included memberships

Hotel Elite Status — Complimentary Hilton Honors Gold and Marriott Bonvoy Gold elite status
Global Lounge Collection — Access to 1,400+ airport lounges including Centurion, Delta Sky Club, Priority Pass, and more
35% Membership Rewards Rebate on Flights — Get 35% of your Membership Rewards points back when you use Pay With Points for all or part of an eligible flight booked through American Express Travel. Eligible flights include First, Business, or Premium Economy class with any airline, or any class with the airline you select as your selected qualifying airline. Rebate up to 1,000,000 points per calendar year.

Questions people ask about the Amex Business Platinum

What is the annual fee on the Amex Business Platinum?

The Amex Business Platinum has a $895 annual fee.

What statement credits does the Amex Business Platinum include?

It carries 11 recurring statement credits worth $4,819 a year in total: $2,400 One AP Subscription Credit ($2,400, resets on the calendar year); Fine Hotels + Resorts Credit ($300 twice a year, resets on the calendar year); $360 Annual Indeed Credit ($90 quarterly, resets on the calendar year); ChatGPT Business Credit ($300, resets on the calendar year); Adobe Credit ($250, resets on the calendar year); CLEAR Plus Credit ($209, resets on the calendar year); $200 Hilton Credit ($50 quarterly, resets on the cardmember year); Airline Fee Credit ($200, resets on the calendar year); Dell Credit ($150, resets on the calendar year); $10 Monthly Wireless Credit ($10 monthly, resets on the cardmember year); Global Entry Credit ($30, resets on the cardmember year). Verified 2026-09-20.

What does the Amex Business Platinum earn?

5x on airline (amextravel), 5x on hotel (amextravel), 2x on large purchase ($5,000+), 2x on electronics, and 1x on everything else, in Membership Rewards Points.

Is the Amex Business Platinum worth the annual fee?

Its recurring statement credits total $4,819 a year against a $895 fee, so the card pays for itself on credits alone if you use 19% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.

Does the Amex Business Platinum charge foreign transaction fees?

No — the Amex Business Platinum has no foreign transaction fee.

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Amex Blue Cash Everyday

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Amex Blue Cash Preferred

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6x Grocery6x Streaming Service3x Gas 1x everything else

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Amex Business Gold

American Express, $375/year, Membership Rewards Points

3x Airline (AmexTravel)3x Hotel (AmexTravel) 1x everything else

$945

a year across 5 credits

All American Express cards

Verify before you apply. Card terms change without much notice, and issuers vary offers by applicant. Everything on this page was last checked on 2026-09-20 against our card database. The issuer's own terms page is the authority.