Amex Business Platinum Credit Card

Why This Card Could Be Right For You

This card has several unique perks. Cardmembers can receive $200 in statement credits per calendar year when incidental fees (such as checked bags, seat selections, or in-flight refreshments) are charged by the selected airline. Be aware that you must choose one qualifying airline each year (you can change it every January). Another notable perk is a 35% rebate on points when you use Amex’s Pay with Points feature. The 35% rebate applies to first- or business-class flights on any airline; if you book economy, it must be with the same airline you selected for the $200 statement credit.

If you’ve been in the points game for a while, you may already have Priority Pass benefits through another card, but that’s included here as well. Amex Business Platinum also provides access to The American Express Global Lounge Collection, which includes Centurion Lounge, Delta Sky Club, Escape Lounge, and Lufthansa Lounge. You can offset the annual fee if you take advantage of various statement credits, such as:

• $400 for Dell purchases ($200 semi-annually)
• $360 ($90 per quarter) with Indeed
• $150 for eligible annual prepaid business plan purchases of select Adobe products
• $120 ($10 back per month) for wireless service purchases

When The Usual Advice Doesn't Apply

Consider avoiding this card if:

• You can’t meet the $15,000 spend requirement in the first 3 months to earn the sign-up bonus
• You don’t travel often enough to use the airfare credit and points rebate
• The statement credits for Dell, Indeed, and Adobe won’t apply to your spending
• The personal Amex Platinum card’s perks (Uber Cash, digital entertainment credits, Walmart+ membership, and more) suit your lifestyle better

My Experience, No Filter

My wife and I had been focused on Chase cards for 18 months until we both got rejected, so we needed a new strategy. I jumped on the Amex Business Platinum card after finding a 250,000-point sign-up bonus through a targeted incognito offer. My biggest concern was meeting the $20,000 spending requirement in 3 months, but we had several large purchases coming up. We even had the opportunity to charge a family vacation house to the card, so it made sense.

We used those 250,000 sign-up bonus points to book round-trip flights for our family of five to Calgary (a $3,975 cash value) for summer 2025. We also got some points back with the 35% rebate (we booked two one-way flights with different airlines, so not all costs were eligible, but we still got 58,000 miles back!). We used the $200 credit for seat selection and checked baggage fees. It was well worth the $695 annual fee for the first year — we’ll likely cancel before the next fee is due.