Amex Business Platinum review: Exceptional airport lounge access, easy $1,800+ in airfare, and more6th September 2019
INSIDER SECRET: The airport lounge access provided by The Business Platinum® Card from American Express will get you into 1,400+ lounges worldwide, so you’ll rarely be stuck without a place to relax on a long layover.
If you’ve been considering The Business Platinum® Card from American Express, now’s a great time to apply because you can earn 100,000 Amex Membership Rewards points after you meet tiered minimum spending requirements.
Amex Membership Rewards points are extremely valuable, especially if you’re looking to save money on travel. The points you can earn from this offer (welcome bonus plus points from minimum spending) can easily get you over $1,800 worth of airfare (and potentially much more).
But that’s just the bonus offer — the card is loaded with other amazing perks, like incredible airport lounge access. To learn about what makes this card so special, read the rest of this Amex Business Platinum review.
You can use Amex points to fly in style to Frankfurt with airlines like Singapore or Lufthansa — but there are so many other perks you’ll learn about in this Amex Business Platinum review. (Photo by Sean Pavone/Shutterstock)
Amex Business Platinum credit card review
When you apply for the Amex Business Platinum card, you’ll earn:
50,000 Amex Membership Rewards points after you spend $10,000 on purchases in the first three months of account opening.
50,000 Amex Membership Rewards points after you spend an additional $15,000 on qualifying purchases within the same time frame
So between the intro bonus and points you earn from minimum spending, you’ll have at least 125,000 Amex Membership Rewards points (100,000 point intro bonus + at least 25,000 minimum spending points).
You’ll also get one year of Platinum Global Access from WeWork, which allows you to use 300+ premium workspaces in 75+ cities. To get this exclusive offer, enroll before Dec. 31, 2019.
Amex Membership Rewards points are popular transferable points to collect because you get the flexibility to redeem points for award travel with any of the Amex airline or hotel partners. You can also use points to buy gift cards to popular stores and restaurants.
And the card comes with a host of other perks, including:
35% of your points back for all first class or business class flights booked through the Amex travel portal using Pay With Points
35% of your points back for all flights, including coach tickets, booked with your selected airline through the Amex travel portal using Pay With Points (up to 500,000 points per calendar year)
Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food and drink, etc.)
Up to $200 annual Dell statement credit ($100 from January to June, $100 from July to December)
Ability to book hotel stays through Amex Fine Hotels & Resorts
Amex Platinum Concierge
Amex Premium Roadside Assistance
Access to airport lounges (Delta, Priority Pass, Airspace, Escape and American Express Centurion Lounges)
Bonus points or statement credits when taking advantage of an Amex Offer
Elite car rental status with Avis, Executive status with National Car Rental and Gold Plus Rewards with Hertz
Free Hilton Honors Gold elite status (free breakfast and upgrades when available)
Free Marriott Bonvoy Gold elite status
10 free Gogo in-flight Wi-Fi passes each calendar year
Statement credit for Global Entry or TSA PreCheck
Terms and limitations apply
This card has a $595 annual fee (see rates and fees), which is not waived the first year. But the statement credits, airport lounge access and savings from Amex Offers can easily offset the fee.
Plus, you can earn the $200 airline incidental credit each calendar year, so you can earn it in 2019 and again in early 2020.
Another excellent reason to apply for the Amex Business Platinum card is Amex small business credit cards do not appear on your personal credit report. So it doesn’t count toward card limits other banks have (like Chase).
How to earn points with the Amex Business Platinum credit card
With the Amex Business Platinum card you’ll earn:
1.5x Amex Membership Rewards points on single purchases of $5,000+ (up to 1 million additional points per calendar year)
5x Amex Membership Rewards points when you book airfare or prepaid hotels through the Amex travel portal
1x Amex Membership Rewards points on all other purchases
The ability to earn 5x Amex points on airfare or prepaid hotels is the best earning rate for those categories for any small business credit card.
How to use your Amex points
Amex Membership Rewards points can be incredibly valuable if you transfer them directly to any of the Amex transfer partners to book award travel, and airline alliances and partnerships make it easier to find award flights to your desired destination. For example, you can transfer Amex Membership Rewards points to Air Canada to book an award flight on United Airlines, a Star Alliance partner airline.
Using points this way can get you unbelievable value. For example, you could transfer 70,000 Amex Membership Rewards points to Air Canada to book a one-way first class award flight on Lufthansa from Europe (Zone 1) to the US. This same ticket typically costs $11,000+ if you pay cash.
You can check out our American Express points review to learn more. And you can learn how to redeem points for travel to specific destinations with our guides to places like Hawaii and Europe.
After meeting the tiered minimum spending requirements, you’ll have at least 125,000 Amex Membership Rewards points (100,000 points from the welcome bonus + at least 25,000 points from minimum spending). And if you don’t want the hassle of learning how to make the most of Amex’s travel partners, you’re in luck. Amex points can be super simple to redeem directly for travel.
You could redeem these points to get $1,250 worth of gift cards through the Amex portal. But Amex Business Platinum card holders can get nearly $1,400 worth of airfare by using the Pay With Points rebate benefit.
When you use Amex Pay With Points, you get one cent per point toward your ticket. Amex Business Platinum cardholders can get a 35% points rebate. You’ll get:
35% of your points back for all first class or business class flights booked through the Amex travel portal
35% of your points back for all flights, including coach tickets, booked with your selected airline through the Amex travel portal
This table shows how earning 95,000 Amex Membership Rewards points can get you over $1,800 worth of airfare.
PointsValue of Airfare Through the AMEX Travel Portal35% Points Rebate Amount
125,000 AMEX Membership Rewards Points$1,25043,750 AMEX Membership Rewards points
43,750 AMEX Membership Rewards points~$438~15,313 AMEX Membership Rewards points
~15,313 AMEX Membership Rewards points~$153~5,359 AMEX Membership Rewards points
You are able to get up to 500,000 Amex points back per calendar year with this benefit.
Team member Meghan used her Amex Business Platinum card’s bonus to book award tickets to Denver, Santa Barbara and Lisbon, Portugal with her selected airline, United Airlines.
She booked a round-trip coach ticket between her hometown of Missoula, Montana, and Denver with only 18,200 Amex Membership Rewards points out of pocket using Amex Pay With Points (you get 1 cent per point toward your ticket) and the 35% rebate from her Amex Business Platinum card.
She also booked a round-trip coach ticket to visit her sister in Santa Barbara. United Airlines services this route, so she was able to take advantage of the 35% rebate. The cash price of the ticket was $340. Using Membership Rewards points and Amex Pay With Points the ticket cost 34,000 points. But again, with the rebate, she only paid 22,100 points out of pocket.
Meghan and her family spent three nights in Sintra, right outside of Lisbon. (Photo by Meghan Holler/Million Mile Secrets)
She used the remainder of the welcome she earned to buy her aunt a round-trip coach ticket to Europe so she could enjoy a family vacation with the rest of her loved ones. She flew from Raleigh/Durham to Lisbon, Portugal. At the time there were sale fares to Europe, so tickets were running around $680. Using Pay With Points and the Amex Business Platinum rebate it only cost 44,200 Amex Membership Rewards points for the ticket.
In total, Meghan used 84,500 Amex Membership Rewards points and saved $1,300 for those three round-trip tickets — and even had points to spare.
Amex Business Platinum credit card benefits
The Amex Business Platinum card has no shortage of benefits and perks that are super valuable. Here is what you can take advantage of if you have the card:
Access to 1,400+ airport lounges
Several cards offer airport lounge access, so deciding which one is right for you is important. However, if you’re after the most lounge access, the Amex Business Platinum card is your ticket in.
The card has incredibly comprehensive lounge access. Folks who have the Amex Business Platinum will get membership to the Amex Global Lounge Collection, which includes:
The Centurion Lounge network
The International American Express Lounges
Delta Sky Club (when you’re flying Delta that day)
Priority Pass Select lounges
Plaza Premium Lounges
That means you’ll have access to 1,400+ lounges worldwide, though the vast majority of them are outside the U.S.
Lots of folks consider Centurion Lounges to be the best lounges in the US. You’ll find them in a handful of U.S airports, including:
Charlotte (CLT) – coming soon
Dallas-Fort Worth (DFW)
Denver (DEN) – coming soon
Houston Intercontinental (IAH)
Las Vegas (LAS)
Los Angeles (LAX) – coming soon
New York – La Guardia (LGA)
New York (JFK) – coming soon
San Francisco (SFO)
Plus, whenever you have a same-day Delta flight, you’ll have access to Delta lounges too, and there are 50 Delta lounges in North America alone.
If you’re not sure whether you’ll benefit from this card, this post will help you find Amex lounges in the airports you visit most.
Up to $200 in airline incidental fee credits
When you apply for the card, and every January after, you can select a participating airline for your Amex Platinum airline credit and have incidental charges for onboard meals, checked bags or seat assignments reimbursed to your account up to $200 per year.
The Amex Business Platinum airline incidental credit can take the sting out of checked bag fees with your selected airline. (Photo by Jasmin Baron/Million Mile Secrets)
This can save you a lot on trips because you won’t have to worry about packing only carry-on luggage or skimping on inflight meals and drinks.
Up to $200 in Dell credits
Each calendar year, you’ll get up to $200 in Dell statement credits on U.S. purchases. You get $100 in credits from January to June and another $100 in credits from July to December.
To qualify for the credit you will need to make the purchases directly with Dell.
Hilton Gold status
Amex Business Platinum card members receive complimentary Gold Hilton status after enrollment. Normally, you’d need 20 stays, 40 nights, or 75,000 Hilton base points in a calendar year to earn this level of elite status.
Hilton Gold status is valuable because you’ll get room upgrades (when available), bonus points on stays and free breakfast, including at upscale brands like Conrad and Waldorf Astoria. If you stay at Hilton hotels frequently, this perk alone can save you hundreds of dollars a year. Team member Jasmin and her kids got a ~$140 breakfast free at the Conrad Tokyo thanks to Hilton Gold status.
The Conrad Tokyo treated Jasmin and her kids like VIPs. They got upgraded to a bigger room with a view and enjoyed a truly luxurious breakfast – for free – thanks to Hilton Gold status. (Photo by Jasmin Baron/Million Mile Secrets)
Over a couple of stays, the Hilton Gold free breakfast perk alone could offset much of the Amex Business Platinum annual fee.
Marriott Gold status
You’ll get complimentary Gold Marriott Bonvoy elite status with the Amex Business Platinum when you enroll online. Normally, you’d need to stay 25 nights in a year to get status.
Marriott Gold status got Jasmin’s family a much better room at the St. Regis Abu Dhabi (the kids said they felt like royalty sleeping in these beds). (Photo by Jasmin Baron/Million Mile Secrets)
Having Gold status with Marriott offers perks like bonus points on paid stays, a welcome gift of points and possible upgrades when available.
Get more travel with a 35% points rebate
Spending more points than you have to is never ideal, and when you have the Amex Business Platinum card, you can conserve your points. When you use Amex Pay With Points, you get 1 cent per point toward your ticket. But Amex Business Platinum cardholders can get a 35% points rebate. As I mentioned before, you’ll get:
35% of your points back for all first class or business class flights booked through the Amex travel portal
35% of your points back for all flights, including coach tickets, booked with your selected airline through the Amex travel portal
You can choose from one of these nine airlines to use the Pay With Points perk for coach airfare:
Note: You can select an airline when you first get the card and can change it in January every year after.
Make your stay more special with Amex Fine Hotels and Resorts or the Amex Hotel Collection
Amex Business Platinum card holders get access to the Amex Fine Hotels and Resorts program. If you book paid nights at upscale hotels, this perk can get you hundreds of dollars worth of extras during your stay.
Lots of our team members make the most of this perk. That’s another reason why they’ve kept the Amex Business Platinum for the long haul.
With the Amex Business Platinum card, you can book rooms at over 1,000 hotels that participate in the program to get perks like:
12 p.m. check-in, when available
Guaranteed 4 p.m. late checkout
Room upgrades when available
Free daily breakfast for two
Free in-room Wi-Fi when available
A benefit unique to your hotel, like a $100 dining credit, free meal or spa service
3rd or 4th night free at certain hotels
A complimentary bottle of rosé and cheesecake? Perfect for the girls’ weekend team member Meghan booked with Amex Fine Hotels and Resorts. (Photo by Meghan Holler/Million Mile Secrets)
The Amex Hotel Collection is similar to Amex Fine Hotels & Resorts. When you book through The Hotel Collection with your Amex Business Platinum, you can receive up to $100 in hotel credit upon checkout for eligible purchases you’ve made like dining and spa treatments (not including taxes and fees). You’re also eligible for room upgrades, if available. You’ll get double the Amex Membership Rewards points for booking.
While spending cash on a fancy hotel isn’t cheap, the Amex Fine Hotels and Resorts and the Amex Hotel Collection programs can really take your special stay to the next level. It’s an awesome way to celebrate an anniversary, birthday or other occasion and treat yourself to a little luxury.
Speed through airport security and Customs with NO extra cost
Global Entry is great. Not only does it get you through U.S. Customs in no time after returning from an international trip, but also it gets you TSA PreCheck just about every time, which can save you hours of standing in line at the airport.
With the Amex Business Platinum, you’ll get a statement credit every four years for the Global Entry or every 4.5 years for the TSA PreCheck application fee ($100 or $85, respectively). It is totally worth it, I promise.
Global Entry is the better deal, because you’ll usually get TSA PreCheck with it anyway. Having Global Entry can be the difference between making it through customs and immigration within ~10 minutes or getting stuck in line for over an hour.
Access to Amex Offers
Having an American Express card will give you access to special discounts known as Amex Offers. These deals are targeted statement credits or bonus points for all sorts of purchases. I’ve saved on purchases with Uber, Lyft, Hulu, Apple Pay and several different hotels thanks to Amex Offers.
The offers are easy to stack because you just add them to your card online and they are automatically applied after you make an eligible purchase. So you can take advantage of them even when you earn rewards or cash back through an online shopping portal.
Rental car status
With the Amex Business Platinum card, you can enroll to receive Avis Preferred Club, Hertz Gold Plus Rewards and National Emerald Club Executive statuses, which come with perks like free upgrades, special discounts and accelerated earning of free rentals.
Lots of Million Mile Secrets readers and team members are big fans of National Emerald Club Executive status because you can pay for a mid-sized rental and pick almost any car you want.
Amex international airline discounts
This isn’t a very well known perk of the Amex Business Platinum card, but it allows you to book discounted premium economy, business class and first class flights. Recently it became more useful because you can now book these discounts online.
All of these airlines participate in the program:
Keep in mind that you won’t find a deal for every airline on every route and the amount of the discount will vary widely. Typically, you’ll see much larger discounts for business or first class. But you can still easily save $300+ on a premium economy ticket to Europe, and you can potentially save thousands on expensive international first-class tickets.
If you take advantage of this perk just once or twice a year it can easily make the annual fee worth paying.
Free inflight Wi-Fi passes
Every calendar year, Amex Business Platinum card holders will receive 10 inflight Gogo Wi-Fi passes. Each pass is valid for one flight segment. Each pass will last the duration of your “flight segment,” which is defined as “one takeoff and landing on the same aircraft, with the same flight number, between two cities.”
I rarely see inflight Wi-Fi on sale for less than $10, so it’s easy for most travelers to get at least $100 a year from this benefit. And it’s likely you’ll save much more because on longer flights Wi-Fi can get pricey.
Free Boingo Wi-Fi membership
Your Amex Business Platinum card comes with a free unlimited Boingo membership, which gets you access to 1,000,000+ Wi-Fi hotspots around the world. Boingo sells a similar unlimited-access plan for $14.99 per month, but you’ll get this complimentary with your card.
You’ll need to sign up for the service on this Amex Boingo page. However, I don’t think this perk is super valuable, because lots of airports have free internet anyway. Plus, the card already comes with lounge access where you can get free internet in a cozy environment.
The Amex concierge
The American Express Platinum Service, also known as the American Express Platinum Concierge, can assist you with just about anything. Their number is 800-525-3355. Some examples are buying tickets, finding restaurants, booking travel reservations, finding a perfect gift and travel research.
Amex Premium Roadside Assistance
Amex Premium Roadside Assistance offers complimentary emergency services up to four times a year. These services include:
Towing (up to 10 miles)
Changing a flat tire (when you have a spare tire)
Jump-starting a battery
Lockout service (when the key is in the vehicle)
Delivery of up to two gallons of fuel
This service doesn’t cover rental vehicles, taxis, tractors or large trucks over 10,000 pounds gross vehicle weight. You’ll also have to pay for any towing over 10 miles or additional services.
No foreign transaction fees
Feel free to use your Amex Business Platinum card anywhere in the world where it’s accepted because you won’t be charged any nasty foreign transaction fees (see rates and fees).
This is a handy perk. In the past, I was unexpectedly charged a 3% foreign transaction fee for an overseas online purchase because I wasn’t aware that the fee applied to the transaction.
Private Jet Program
The Amex Business Platinum card gives you exclusive benefits through the Premium Private Jet Program with Delta Private Jets.
The biggest benefit is that you can purchase a Jet Card (payment used to book your private jet) for as little as $50,000, instead of the normal price of $100,000. So you don’t have to commit nearly as much money.
Your card will also give you a 3% bonus to your Jet Card, and an inflight catering credit up to $250 per trip, plus a credit for transfer services up to $200 per trip. And you’ll get a 20% discount on full-fare commercial Delta flights.
Lowest hotel rate guarantee
If you book a hotel through the Amex Travel Portal, and later find the exact same room with the exact same travel information (dates, number of guests, etc.) for less before taxes and fees, Amex will refund the difference, as long as you submit your claim before your stay and the price you find is available to the general public online (meaning no AAA, senior citizen, government discounts, etc.).
Global Dining Collection
The Global Dining Collection gives you access to exclusive events where you can meet famous chefs and even get kitchen tours, special menus and free drinks. Just call the Amex Business Platinum Concierge and they’ll make your reservations.
Cruise Privileges Program
With the Cruise Privileges Program, you’ll receive extra perks on sailing five nights or more when you pay with your Amex Business Platinum card and book through Amex cruises (online or over the phone).
You’ll receive $100-$300 in shipboard credit depending on the room and cruise you book and additional amenities that are unique to each cruise. On top of that, you’ll earn 1 extra Amex Membership Rewards point per $1 spent on your cruise.
Car rental loss and damage insurance
If you pay for your rental car with your Amex Business Platinum you’ll get secondary rental car insurance. This coverage applies to theft or damage to the rental car, but because it’s secondary, it only kicks in after your other insurances have paid out. It applies to the first 30 days of a vehicle rental.
Because this coverage is secondary, you might be better off paying for rentals with one of the best credit cards for car rentals instead. Personally, I pay for my rental cars with my Chase Sapphire Preferred Card because it comes with primary rental car insurance.
Travel accident insurance
When you pay for your entire common carrier fare (i.e. plane, train, ship, or bus) with your Amex Business Platinum you’ll have up to $500,000 in accidental death and dismemberment coverage while traveling. This coverage applies even when you pay for the travel with Amex Membership Rewards points.
There are some exclusions, such as war, self-inflicted injuries or accidents that happen while you’re committing an illegal act.
Extended warranty coverage
If you purchase an eligible item with your Amex Business Platinum you can get up to two years added to the original manufacturer’s warranty. This applies to warranties that are five years or less. If the original warranty is less than two years Amex will match it and if it’s between two to five years long Amex will add an additional two years to the original warranty.
This perk will cover you for up to $10,000 per occurrence and $50,000 per account per calendar year. Shipping and handling costs will not be refunded.
When you buy an eligible item with your Amex Business Platinum, you’ll get purchase protection for up to 120 days (90 days for New York residents) for accidental damage, theft, or if it’s lost. You can be reimbursed up to the amount you charged to your card or a maximum of $1,000 per occurrence and not more than $50,000 per account per calendar year.
If you try to return an eligible item purchased entirely with your Amex Business Platinum and the merchant won’t take it back, you may be covered by the card’s return protection.
This coverage applies to eligible items purchased within 90 days and may refund you up to $300 per item up to a maximum of $1,000 per calendar year. This perk doesn’t apply to shipping and handling charges or certain items like motorized vehicles, jewelry, computer software and perishable items.
When you pay for your entire fare with your Amex Business Platinum your checked bag will be covered for loss or damage for up to $3,000 per person per trip ($10,000 maximum per trip).
This coverage is secondary and doesn’t cover certain valuables such as jewelry or electronics.
Free ShopRunner membership
As an American Express card holder, you’re eligible for a free ShopRunner membership. This gets you unlimited two-day shipping at a wide selection of stores. Membership normally costs $79 per year.
Is the Amex Business Platinum worth the annual fee?
Personally, I’m considering the card because of the WeWorks membership that comes with it for the first year. Between the co-working membership and the intro bonus it’s easy to justify the the annual fee for the first year. But what about after that?
The $595 annual fee on the Amex Business Platinum card isn’t cheap, but even if you don’t take advantage of all of the card’s benefits, you can still come out ahead. The easiest perk to take advantage of each year is the $200 in annual airline credits. After you’ve earned that, you only need to get another $395 in value for it to be worth the annual fee.
If you make any Dell purchases, the card comes with up to $200 in Dell credits each year. And if you find yourself stuck in airports purchasing expensive airport food all the time, the airport lounge access perks can easily save you hundreds of dollars.
If you spend a lot on flights and prepaid hotels, being able to earn 5x Amex Membership Rewards points for those purchases could earn you many times the annual fee in travel rewards. And with the Hilton Gold status you get just for having the card, you’ll get free breakfast at all Hilton hotels. If you travel with a family, that benefit alone can save you $60+ a day.
Does the Amex Business Platinum Credit Card have a foreign transaction fee?
No (see rates and fees).
Who is eligible for the Amex Business Platinum Credit Card?
You aren’t eligible for the Business Platinum card’s welcome bonus if you currently have or have ever had the card before. Amex will also consider other factors, like how many Amex cards you’ve opened or closed recently. But if you aren’t eligible for this offer, Amex will let you know with a pop-up window before they check your credit.
That being said, you’ll likely need a credit score of 750+ to get approved for this card and you’ll also need to own a small business to qualify. But you may be eligible and not even realize it. You don’t need to be running a full-time business to qualify for business credit cards. Freelance work, including driving for Uber or Lyft, dog walking or freelance art or design work can qualify as long as you’re not doing the job as an employee.
I’ve qualified for small business cards with freelance writing and my wife has done the same as a part-time freelance artist. And if you’re a sole proprietor, when you apply for the card you can use your social security number as your tax ID and your name as the business name on the application.
For step-by-step help check out our guide to Amex business card applications.
Cards similar to the Amex Business Platinum
To earn the full welcome bonus on the Amex Business Platinum card, you’ll have to meet a steep tiered minimum-spending requirement (totaling $20,000 in three months). This is one of the larger requirements I’ve seen on a card.
You might still consider applying even if you can’t meet the the total minimum-spending requirement because you can still earn 50,000 valuable Amex Membership Rewards points after you spend $10,000 on purchases in the first three months of account opening.
Plastiq is a tool I use to meet large spending requirements. This convenient service allows you to pay bills that don’t normally accept credit cards. You’ll pay a small fee (2.5%), but it might be worth it to unlock the huge bonus on the Business Platinum card.
If you’re not a big spender, don’t worry. There are plenty of alternative small business credit cards with lucrative intro bonuses.
I’d recommend the Ink Business Preferred Credit Card. With it you’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first three months from account opening. That’s worth at least $1,000 in travel if you redeem the points through the Chase Travel Portal, which makes the card’s $95 annual fee very reasonable.
Chase Ultimate Rewards points transfer to 13 airlines and hotels, including some that don’t accept Amex points, like Hyatt. Read our full review of the Chase Ink Business Preferred to learn more.
After meeting the Amex Business Platinum card’s tiered minimum-spending requirements, you can earn a total of 125,000 Amex Membership Rewards points. With the points you’ll earn from the intro bonus and completing the minimum spending, you’ll have enough points to get $1,250 in gift cards or over $1,800 in airfare.
For many folks, the perks on the Business Platinum card can easily justify paying the card’s annual fee. You can actually make a profit (like team member Meghan did) by taking advantage of certain Amex Offers you get as a cardholder.
Don’t forget, Amex small business credit cards do not appear on your personal credit report. So they won’t add to your Chase 5/24 count and restrict you from earning lucrative bonuses with Chase.
Check out these posts for more details on Amex Membership Rewards points:
Amex points value
Best way to use Amex points
Amex transfer partners
How to Earn Amex Points
How to set up an American Express Membership Rewards account
How to use American Express points
Do American Express Points expire?
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For the rates and fees of The Business Platinum Card from American Express, please click here.