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The Business Platinum Card® from American Express
welcome bonus
190K points after $15K spend in the first 3 months
credit brand
American Express®
rewards rate
5X flights and prepaid hotels at AmexTravel.com. 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year). 1.5x on US construction/hardware stores, US electronic goods, and US shipping. 1X elsewhere
intro apr
N/A
regular apr
19.49% - 27.49% variable
foreign transaction fee
0%
credit needed
Good/Excellent
annual fee
$695
rate
4.8

Pros

Earn 190,000 Membership Rewards® points after spending $15,000 in first 3 months.

Get 5X points on flights and prepaid hotels on amextravel.com.

1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year).

1.5x on US construction/hardware stores, US electronic goods, and US shipping. 1X elsewhere.

Up to $200 airline fee credit, up to $200 Dell credits annually.

Global Lounge Collection access to over 1,400 airport lounges.

Amex Concierge and Premium Global Assist Hotline.

No Foreign Transaction Fees.

Cons

$695 annual fee, high income or spending required.

No intro APR period.

Employee Cards cost extra.

Lots of perks require frequent travel to maximize value.

Why Choose It

The Business Platinum card offers tremendous airport lounge access and travel perks for road warrior business owners. Between lounge access, hotel elite status, rental elite status and airline fee credits, it really pays for itself for regularly traveling entrepreneurs. However, the value diminishes if your business involves infrequent travel. But the 12-month 0% APR period on purchases gives helpful flexibility too. If you have premium or heavy business travel expenses, The Business Platinum card will justify the high annual fee.

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compare Cards

cover/name/rate
Welcome bonus
Annual fee
rewards rate
intro apr
regular apr
foreign transaction fee
credit needed
credit brand
The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

4.8
190K points after $15K spend in the first 3 months

190K points after $15K spend in the first 3 months

$695

$695

5X flights and prepaid hotels at AmexTravel.com. 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year). 1.5x on US construction/hardware stores, US electronic goods, and US shipping. 1X elsewhere

5X flights and prepaid hotels at AmexTravel.com. 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year). 1.5x on US construction/hardware stores, US electronic goods, and US shipping. 1X elsewhere

N/A

N/A

19.49% - 27.49% variable

19.49% - 27.49% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

American Express® Gold Card

American Express® Gold Card

4.7
Earn 90,000 Membership Rewards® points after you spend $6,000 on eligible purchases within the first 6 months of card membership

Earn 90,000 Membership Rewards® points after you spend $6,000 on eligible purchases within the first 6 months of card membership

$250

$250

4X Points Restaurants. 4X Points Supermarkets. $120 Uber Cash on Gold. $120 Dining Credit. 3X Points Flights

4X Points Restaurants. 4X Points Supermarkets. $120 Uber Cash on Gold. $120 Dining Credit. 3X Points Flights

N/A

N/A

21.24% - 29.24% variable

21.24% - 29.24% variable

0%

0%

Good/Excellent

Good/Excellent

American Express®

American Express®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

4.2
65K after $4K spend in first 6 months

65K after $4K spend in first 6 months

$0 introductory annual fee for the first year, then $99

$0 introductory annual fee for the first year, then $99

Earn 2 AAdvantage® miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations and eligible American Airlines purchases

Earn 2 AAdvantage® miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations and eligible American Airlines purchases

N/A

N/A

21.24%–28.49% variable

21.24%–28.49% variable

0%

0%

Good/Excellent

Good/Excellent

Mastercard®

Mastercard®

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