THE CARDTUNED DATABASE
The Business Platinum Card from American Express
Issuer: American Express
5X flights and prepaid hotels through Amex Travel; 2X eligible key business categories and single purchases of $5,000 or more, up to $2 million/year; 1X other eligible purchases
- Annual fee
- $895
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- 17.74%–28.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
As high as 300,000 Membership Rewards points after $20,000 in purchases in the first 3 months; offer varies
- Spending requirement
- $20,000 in purchases
- Time window
- the first 3 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Flights & Hotels | 5X | flights and prepaid hotels through Amex Travel See card-specific caps and merchant-category rules 2X bonus categories and $5,000+ purchases capped at $2 million/calendar year |
| Eligible purchases | 2X | eligible key business categories and single purchases of $5,000 or more, up to $2 million/year |
| Other purchases | 1X | other eligible purchases |
Additional benefits
• Up to $600 Hotel Credit, split into up to $300 semiannual statement credits on eligible prepaid Fine Hotels + Resorts or The Hotel Collection bookings
• Global Lounge Collection access, including eligible Centurion Lounge, Priority Pass Select and limited Delta Sky Club access; enrollment and visit rules apply
• Up to $200 Hilton Credit and up to $200 Airline Fee Credit; enrollment and eligible-purchase rules apply
• Up to $1,150 Dell Technologies Credit, including a spend-triggered portion; enrollment required
• $300 ChatGPT Business Credit and $250 Adobe Credit; enrollment and purchase thresholds or subscription terms apply
• Up to $360 Indeed Credit and up to $120 Wireless Credit; enrollment and periodic limits apply
Restrictions to know
2X key-business-category and $5,000+ purchase earning is capped at $2 million per calendar year; overlapping bonuses receive only the highest rate. Credits require enrollment and have merchant, spend, timing or periodic limits.
Who can apply
U.S. small-business application
Credit profile: Good–Excellent / issuer underwriting applies