Card reviewAmerican Express
Updated Sep 11, 2026 · research
Business Platinum Card
American ExpressMembership Rewards

Business Platinum Card

Premium business charge card earning Membership Rewards points with travel and business credits.

LuxuryBusiness
American Express
$895
Annual fee
5x pts flights and prepaid hotels booked on amextravel.com
Top rate
None
Foreign fee

We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.

Current Welcome Offer

Earn 300,000 points

Spend $20,000 in 90 days

Card Offers

We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.

public

Earn 300,000 points

Spend $20,000 in 90 days

Earning Rates

flights and prepaid hotels booked on AmexTravel.com
5xpoints

Booked through American Express Travel including Fine Hotels + Resorts and The Hotel Collection

flights booked on AmexTravel.com
5xpoints

Booked through American Express Travel on AmexTravel.com

Flights on Amex Travel
5xpoints

Booked on Amex Travel

prepaid hotels booked on AmexTravel.com
5xpoints

Prepaid hotels booked on AmexTravel.com including Fine Hotels + Resorts and The Hotel Collection

Prepaid Hotels on Amex Travel
5xpoints

Booked on Amex Travel

eligible purchases in key business categories
2xpoints

Earn 2X on up to $2 million of these purchases per calendar year

eligible purchases in key business categories or single purchases of $5K or more
2xpoints

Earn 2X on up to $2 million of these purchases per calendar year; highest eligible bonus only if multiple apply

single purchases of $5,000 or more
2xpoints

Earn 2X on up to $2 million of these purchases per calendar year

Eligible Business Categories and Large Purchases
1.5xpoints

On select business categories and on single purchases of $5,000 or more, up to $2M in purchases per calendar year

other eligible purchases
1xpoints
Other Eligible Purchases
1xpoints
Other Purchases
1xpoints

All other eligible business purchases

Fees

Fee TypeAmount
Annual Fee$895
Foreign Transaction Fee0%

APR Information

Purchase APR
17.74% - 28.49%
Penalty APR
29.99%May apply if you pay late

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

23 benefits (7 strong or better) including 1 hidden gems

Travel Insurance

Travel Access & Perks

Travel Credits

Elite Status

Purchase Protection

Purchase Protection

Statement Credits

Lifestyle Benefits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

About This Card

Business Platinum Card with $895 annual fee offering 5X on Amex Travel flights and prepaid hotels, 2X on key business purchases up to $2M per year, lounge access, hotel and airline credits, Dell, Adobe, Indeed, wireless, ChatGPT and CLEAR credits, and travel protections.

Ready to Decide?

Apply for the Business Platinum Card

Earn 300,000 points with a $895 annual fee.

Spend $20,000 in 90 days

We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.

Rewards program

Membership Rewards

Earns Points

Card Categories

BusinessTravelTransferable pointsLounge accessNo Foreign Transaction Fee

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them with automated checks.

Last updated:

How it's checked

Analyzed by the Rewardopedia Engine.

Data Quality
  • 22 of 23 benefits rated high confidence
  • 23 source citations across benefits
  • 0 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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