Credit Cards

The Business Platinum® from American Express up to 200k Referral Offer

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The Business Platinum® from American Express 200k Amex Referral Offers

Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

I’m a big fan of The Business Platinum® from American Express and have kept it as part of my Amex portfolio for several years now. It comes with a monster grip of perks that help offset the annual fee $695 (Rates and fees) , but when serious welcome offers come around, it’s well worth considering if you haven’t picked one up for your business yet. This is a fantastic referral offer to the American Express Business Platinum, but requires a hefty $20k spend in 3 months.

Amex Business Platinum Referral Link

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Here’s how it works with our site and referrals:

First off, this is meant to help everyone. So, if you’re posting your referral a dozen times a day, week, month, and trying to manipulate the comment section, I’m going block your referral for abuse. No ifs ands or buts –  if I see you’re doing it, or you’re flagged by another use, I’ll just block you from ever posting. Let’s not ruin a good thing.

We earn commission when you use our links via our partner Cardratings or and are really grateful when you do, but we also publish other deals that may be attractive to you. Referrals, are one of those other deals, and is a way we can give back to you for supporting us since you earn a referral bonus when someone uses your link.

We want to give you an opportunity to earn some valuable points as well, and so this is how we go about doing it.

  1. We add our own referrals first
    • Because we use a ton of points every year and publish reviews of the flight and hotels we take, but we quickly max out
  2. We add those of friends and family to load up their accounts
    • Once those are maxed out
  3. We then import your links from the comments section below to help you out.
    • We usually leave those up for a few weeks and cycle through them, or when we get an email notifying us that someone’s account has maxes out

You can also leave referrals for

*I would note that you get more action when the referral is correlated to the article.

The new referral offer is at 200k after $20k spend in 3 months

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A list of the benefits we value the most

  • Up to $200 Incidental Airline Credit with your specified airline ( enrollment required )
  • Up to $189 Clear statement credit (enrollment required )
  • Up to $400 Annual Dell credit ( split $200 each 6 months of the year – enrollment required )
  • Centurion Club Lounge Access
  • 50% bonus on purchases over $5k
  • 1.5x on up to $2 Million at select categories
    • Electronics goods, retailers, software, and cloud service providers
    • Construction materials and hardware supplies
    • Shipping providers
  • 35% back on points redeemed on your airline of choice/premium cabin tickets ( enrollment required )
  • 5x points on flights purchased in Amex Travel
  • Up to $360 Indeed credit ( enrollment required )
    •  get up to $90 per quarter,
      • Up to $360 annual statement credit
    • on all Indeed hiring and recruiting products and services
  • up to $150 Adobe credit ( enrollment required )
    • : $150 annual statement credit on select purchases,
    • Adobe Creative Cloud, creative apps and services, and Acrobat Pro DC with e-sign.
  • $695 annual fee

A few things that differentiate an Amex Business Platinum vs Amex Platinum

  • 50% bonus on all purchases over $5k
  • An increased valuation of all your Membership Rewards when you redeem on your airline of choice, or premium cabins
    • 35% back equates to roughly 1.55 cents per point
  • $200 Dell credit vs $100 Saks credit
    • split into 2, $100 6 months credits

Things to consider

American Express awards welcome offers once in a lifetime, and has recently cracked down on self referrals, so if you’re going to sign up, I’d suggest using a link other than your own, and you’re free to leave your links in the comments section of this post.

American Express has also tightened their classification of “incidental airline credit,” and now excludes airline gift card purchases which used to trigger the credit. Widely, this is no longer the case. Take that into consideration regarding the airline credit.

American Express is very friendly to businesses and new business owners, so even if you don’t have an EIN, but you operate a business as a sole proprietor, you’re welcome to sign up.

  • Examples –
    • Consulting
    • Tutoring
    • Buy/Sell Ebay, Amazon, etc
    • AirBnb rentals, management
    • Run a blog

Great Uses of Membership Rewards – make sure you read our BEST USES

Transfer to Avianca and fly Lufthansa First Class for 87k points

a two beds with a tray of water on it

Use BA Avios and upgrade into Business or First Class – can be done LAX to LHR for just 25k points

Fly in one of the best Business Classes to Europe via Air France – booked for 55k points

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Refer a Friend Link 

 Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

*you may find an elevated offer walking into a branch – see below

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
    • Some people have seen Chase branches offering the following:
      • 75k Ultimate Rewards After $4k spend in 3 months + 10k Ultimate Rewards after $6k in 6 months 
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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