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The Business Platinum Card® from American Express
The Business Platinum Card® from American Express card comes with a bevy of benefits, and if your business pushes through some hefty spend, or has large expenses on the horizon it could be worth considering for your business. Personally, I’ve carried a Biz Plat for a few years now, and continue to extract great value.
Each and every year I spend time analyzing my credit card portfolio to see if the benefits outweigh cost to carry. I chose again in 2021 to not only keep the The Business Platinum Card® from American Express in my wallet, but take advantage of 2 targeted offers to increase my wallet size to 3 Amex Biz Plats.
The Business Platinum Card® from American Express
If you’re looking for loads of benefits WHEN you travel, that comes with an extensive list of statement credits and benefits like lounge access, hotel elite status, and 35% back ( up to 1 million ) when you redeem points on your select airline this card is worth a close look.
Welcome Offer
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership.
Welcome offers vary and you may not be eligible for an offer
Annual Fee
Points Earned
Transferrable Membership Rewards
The annual fee on the American Business Platinum Card® is very steep so you want to make sure you take a look at the benefits/credits and confirm you’ll use them every year.
I’ve found that I earn more points from the American Express® Business Gold , but I’m able to take advantage of a lot of statement credits, lounge access, and 35% points back on your select airline travel booked via the Amex Travel Portal. The new hotel credits, Hilton credits, and incidental airline credit outweigh the fee for me, but this will be a card that I’ll have to keep an eye on since the fee is so high.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal)
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Terms Apply.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- See Rates & Fee
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
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.
Up to $600 Hotel Credit
This is a super easy way to offset the annual fee and get treated like a VIP when you’re staying at FHR and THC properties. Better yet…you can use this credit on a single night stay with Fine Hotels + Resorts meaning you could treat yourself to a nice little staycation.
- UP to $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®.
- The Hotel Collection requires a minimum two-night stay.
Big things to consider
- The credit requires pre-booking
- It’s $300 semi annually
- You can make a booking in June for a stay in December and it’ll trigger the Jan to June credit.
$200 Annual Hilton Statement Credit (enrollment required )
- Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase
- Benefit enrollment required.
This credit is $50 every quarter. This is for on property purchases or booked via Hilton. So… if you booked a Hilton property with FHR, the initial booking wouldn’t trigger the credit; however, the charges while on property would trigger the credit.
2x points on up to $2 Million per calendar year at these categories
Lemme just say…if you’re in the construction business – this is a whopper of a deal for you. You’ll now enjoy all the benefits of Business Platinum AND get a 1.5x on construction materials and supplies. Add in electronics as well – it’s time to stack up points.
Eligible U.S purchases at:
-
- at U.S. construction material & hardware suppliers,
- electronic goods retailers
- software & cloud system providers,
- shipping providers,
- eligible purchases of $5,000 or more,
- up to $2 million of these purchases per calendar year.
- Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus
$120 Wireless Credit + Cell Phone Insurance (enrollment required)
In order to get the Wireless Credit simply charge your bill to the Amex Business Platinum and get a $10 per month statement credit. Amex Business Platinum also comes with free cell phone insurance. Super easy.
- $800 per claim, 2x per 12 month period
- $50 deductible per approved claim
- Terms Apply
35% of your points back when you redeem with Amex Travel. So, in effect, $0.0154 value per point. Up to 1 Million bonus points (enrollment required)
Rules for getting the 35% back:
- Must be with your selected Airline
- capped at 1 million bonus points
- terms apply
How does this work?
- If a flight is $1000 it would be charged as 100,000 points
- 35k those points would be reimbursed back into your account
The Business Platinum Card® from American Express
If you’re looking for loads of benefits WHEN you travel, that comes with an extensive list of statement credits and benefits like lounge access, hotel elite status, and 35% back ( up to 1 million ) when you redeem points on your select airline this card is worth a close look.
Welcome Offer
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership.
Welcome offers vary and you may not be eligible for an offer
Annual Fee
Points Earned
Transferrable Membership Rewards
The annual fee on the American Business Platinum Card® is very steep so you want to make sure you take a look at the benefits/credits and confirm you’ll use them every year.
I’ve found that I earn more points from the American Express® Business Gold , but I’m able to take advantage of a lot of statement credits, lounge access, and 35% points back on your select airline travel booked via the Amex Travel Portal. The new hotel credits, Hilton credits, and incidental airline credit outweigh the fee for me, but this will be a card that I’ll have to keep an eye on since the fee is so high.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal)
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Terms Apply.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- See Rates & Fee
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
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.
Don’t forget about the ability to refer friends to almost any Amex.
American Express changed their program last year and created an absolutely fantastic perk: the ability to refer a friend to almost any card that Amex issues. This means that you can earn bonus Amex points by referring friends not only to this Amex Biz Plat, but to most any other Amex, up to 55k bonus points per year. It’s a great way to earn even more value out of the card.
If you have an Amex and would like to leave a referral go to this post and add yours.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 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 Points Boost
- each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
- $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.
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