Last updated: 10/2/2022

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The Business Platinum Card® from American Express

Earns: American Express Membership Rewards


One of the most benefit rich, and most expensive, credit cards on the market. The $695 annual fee is very high. The 5x points on flights is the best around, but most other spend is just 1x. This can be a good card just for the benefits, depending on how you use it.

This card is best for:

  • Airlines

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Here’s how much you would earn with this card

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See how the The Business Platinum Card® from American Express compares to other credit cards

The Business Platinum Card® from American Express Other Cards

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Reward Rate = 5x

Value = 1.7 cents per point
Effective Value = 8.5 %


Reward Rate = 1x

Value = 1.7 cents per point
Effective Value = 1.7 %


Welcome Bonus = 120,000

Value = 1.7 cents per point
Effective Value = $2040


Annual Fee = $695

Welcome Bonus


Bonus Rating


In the top 15% of cards.


After you spend $15,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
5x Airlines




In the top 15% of cards.

1x All Other

Very Good

very good

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
American Express Membership Rewards
Gigapoints Value
1.7¢ per point
Other Card Information

Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

Annual Fee
  • $695
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

American Express Global Lounge Collection

With more than 1,200 airport lounges across 130 countries and counting, the American Express Global Lounge CollectionSM* offers travelers more lounge options than any other card on the market. Enjoy the highest levels of luxury at any of our own networks, The Centurion® Lounge and The International American Express lounges, or visit one of our partners including Delta Sky Club® when flying Delta or a Priority PassTM Select lounge once enrolled. Terms apply.

$200 Airline Fee Credit

Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.

$1,000 in possible annual statement credits

Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.

1.5x Points over $5,000

1.5X points per dollar on eligible purchases of $5,000 or more (that’s an extra half point per dollar).

Clear Credit

Use your Card and get up to $189 back per year on your CLEAR(R) membership. CLEAR(R) is available at more than 50 U.S. airports and stadiums.