The Business Platinum Card® from American Express
The Business Platinum Card® from American Express from American Express
Card overview
What comes with this card
Bonus value
$1,200 - $1,800 (Our Evaluation)
Credit Score Needed
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Welcome Offer
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ANNUAL FEE: annual_fees - See rates and fees
INTEREST RATES (APR): reg_apr,reg_apr_type
LATE FEES: late_payment_fee
PENALTY APR: 29.99%
BALANCE TRANSFER FEE: balance_transfer_fees
CASH ADVANCE APR:
•
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• Fee: cash_advance_fee
For rates and fees of the card_name, click here
Credits
The Business Platinum Card® from American Express offers exceptional credits to offset its high annual fee. These benefits, which require registration, include: • $400 Dell Credit: Up to $400 in statement credits annually for Dell purchases ($200 credits twice a year). Offer ends 06/30/25. • $200 Airline Fee Credit: Annual airline incidental fee credit on your selected qualifying airline. Enrollment in one of the approved major U.S. airlines is required. • $199 CLEAR Plus Credit: Annual statement credit for CLEAR Plus membership (subject to auto-renewal). • $120 Wireless Credit: Up to $120 annually ($10 per month) for wireless purchases. • $360 Indeed Credit: Up to $360 per year ($90 each quarter) for purchases made at Indeed. Offer ends 06/30/25. • $150 Adobe Credit: Annual credit for an Adobe subscription. Offer ends 06/30/25. • $120 Global Entry/PreCheck Credit: Available even on no-annual-fee additional user cards. • $200 Hilton Credit: Up to $200 annually in Hilton credits, broken into four $50 quarterly credits, valid at any Hilton. These credits help significantly offset the card’s annual fee, providing value for cardholders throughout the year.
Purchase Protection
• Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account
Auto Rental Collision Insurance
• Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand), with a maximum coverage of $75,000. • Alternatively, you have the option to purchase an Amex premium plan for primary coverage up to 42 days, with a maximum coverage of $100,000. • You can add premium for $19.95 per rental.
Extended Waranty Protection
• Receive up to one additional year of coverage beyond the original manufacturer's warranty period for warranties of 5 years or less. • Up to $10,000 per Covered Purchase and up to $50,000 per Eligible Card.
American Express Benefit Guide
For Benefit Guide of card_name check here
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Return protection: • Refund up to $300 per item (excluding shipping) if return is declined by the merchant. • Maximum refund: $1,000 per Card Member account per year. • Extended return period: Up to 90 days from purchase date, even after store return policy expires. • Eligible item protection: Shop confidently with Return Protection coverage. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details.
Purchase protection: • Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Auto Rental Collision Insurance: • Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand), with a maximum coverage of $75,000. • Alternatively, you have the option to purchase an Amex premium plan for primary coverage up to 42 days, with a maximum coverage of $100,000. • You can add premium for $19.95 per rental. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Trip Cancellation Insurance: • Coverage for canceled or interrupted travel due to unforeseen medical emergencies and more. • Max $10,000 per person per trip, with a maximum of $20,000 per year. • Covers non-refundable travel expenses such as flight tickets and hotels. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by New Hampshire Insurance Company, an AIG Company.
Lost Luggage Reimbursement: • Coverage for lost, stolen or damaged luggage on a comon carrier (e.g. plane, train, ship, or bus). • Up to $2,000 per person for checked baggage. • Up to $3,000 per person for checked and carry-on baggage combined. • Maximum coverage of $10,000 per trip for NY residents. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Extended warranty protection: • Receive up to one additional year of coverage beyond the original manufacturer's warranty period for warranties of 5 years or less. • Up to $10,000 per Covered Purchase and up to $50,000 per Eligible Card. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by AMEX Assurance Company.
Trip Delay Insurance: • Claim up to $500 per ticket in the event of a 6+ hour flight delay, maximum 2 claims per year. • The compensation can be used to cover expenses like meals and lodging during the delay. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by New Hampshire Insurance Company, an AIG Company.
Cell Phone Protection : • Up to $800 per claim (with a $50 deductible), you can be reimbursed for cellphone damage or theft. • To activate coverage, simply pay your monthly cellphone bill with your card. • Enjoy the benefit of up to 2 claims per 12 month period. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Underwritten by New Hampshire Insurance Company, an AIG Company.