American Express
Business Platinum Card
Estimated value every year on typical spending
$161/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Hotel Credit $600 → $300 · Airline Fee Credit $200 → $100 · Hilton Credit $200 → $70 · Lounge Access (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the American Express Business Platinum Card returns about $1,056 a year in rewards and usable credits, which covers its $895 fee with $161 to spare.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- None
- Top perk
- $600 Hotel Credit
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 5X points on flights and prepaid hotels booked through American Express Travel
- 2X points on key business purchases
- 1X points on other eligible purchases
Sign-up bonus
300,000 Membership Rewards Points after you spend $20,000 in purchases on your new Card within the first 3 months of Card Membership.
Best for
- Business spending
- Big spenders on travel
- Travelers who redeem points
Not ideal for
- Light or occasional spenders
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for.
Worth knowing
- Annual fee
- $895
- Intro APR
- Not listed
- Regular APR
- Not listed
- $300/mo on travel earns about $144/year (4x).
- $1200/mo on everyday spending earns about $230/year (1.6x).
- The $895 fee pays for itself at about $2490/mo on travel.
- You come out ahead of a no-fee 1% card after about $29800/year of travel spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Business Platinum Card: questions people ask
Is the American Express Business Platinum Card worth it?
On typical spending the American Express Business Platinum Card returns about $1,056 a year in rewards and usable credits, which covers its $895 fee with $161 to spare.
What is the American Express Business Platinum Card annual fee?
The American Express Business Platinum Card has a $895 annual fee. On typical spending its rewards and usable credits come to about $1,056 a year, so it nets about $161 after the fee.
What is the American Express Business Platinum Card welcome bonus?
AS HIGH AS 300,000 Membership Rewards Points after you spend $20,000 in purchases on your new Card within the first 3 months of Card Membership. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the American Express Business Platinum Card earn?
5X points on flights and prepaid hotels booked through American Express Travel. 2X points on key business purchases. 1X points on other eligible purchases.
What credit score do you need for the American Express Business Platinum Card?
The issuer recommends excellent credit. Checking your matches on CardFit never runs a credit check.
Does the American Express Business Platinum Card charge foreign transaction fees?
No. The American Express Business Platinum Card has no foreign transaction fee.
Compare Business Platinum Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.