• Aditya Bagaria

American Express Business Platinum Card review!


This is the premium credit card offered for businesses by American Express. There is a consumer version of the card as well; however, there is not much difference between the two cards.

Annual Fee: $595

What type of earning do I get?

1.5x points on transactions over $5,000 up to 1,000,000 extra points.

5x Membership Rewards Points on flights booked directly with the airline or American Express Travel.

5x points on hotels booked through American Express Travel (amextravel.com).

All other purchases are 1x points!


$200 of Dell credits

· You can buy anything from Dell. The credits are awarded on a semi-annual basis with $100 each time. You have to use the first $100 by the end of June and the second $100 by the end of the year.

$200 of Airline Fee Credits

· This covers incidental fees such as baggage fees, food, and WiFi. You select an airline in January of every calendar year. You are not allowed to change your choice after January 31st. If you don’t have an airline-specific credit card such as the Alaska Airlines Visa Credit Card that waives luggage fees for your first bag, this can come in very handy!

35% Airline Bonus

· When you use Membership Rewards Pay with Points, you will get 35% of those points back up to 500,000 points back. This is valid for first and business class tickets on any airline and any ticket on the airline you selected for your $200 fee credit above.

TSA Precheck or Global Entry

· This one is pretty standard among premium credit cards. Every 4 years, you can get a $100 credit for Global Entry or $85 every 4.5 years for TSA Precheck. I would suggest going with Global Entry as it offers TSA Precheck as well and faster immigration when you travel internationally. Plus, you get an extra $15 of value with Global Entry when compared to TSA Precheck.

Marriot Bonvoy Gold Status

· This one is pretty valuable. You can get room-upgrades and more with this benefit. The most value is in breakfast, and with Marriot’s convoluted system, you have to be at least Platinum Elite to get breakfast at properties such as the St. Regis.

Hilton Honors Gold Status

· This one is also extremely valuable. You get room upgrades (not including suites), and, most importantly, free breakfast for you and a companion in your room at all properties including the Waldorf Astoria.

Airport Lounge Access

· You get access to Centurion lounges for you and one guest. The cardholder is also entitled to entire Delta Sky Clubs whenever traveling on Delta Airlines. American Express also partners with Priority Pass so you can enter lounges through that route with 2 guests. You can’t use the card at Priority Pass restaurants so be mindful!

Car Rental Elite Status

· Avis Preferred, Hertz Gold Plus Rewards, and National Car Rental Emerald Club Executive. You can get vehicle upgrades with these, but I wouldn’t count on these to be extremely valuable.

Consumer Protections

· Extended Warranty: Adds a year on top of a manufacturer’s existing coverage.

· Purchase protection: Theft, accidental damage, or loss is covered within 90 days of purchase. A great example might be that new phone or laptop that you leave behind 😊

· Baggage Insurance: Up to $3,000 for check and carry-on baggage per covered person per covered trip if baggage is lost, damaged, or stolen. You must purchase the entire fare on the Aspire for this benefit, but other credit cards such as the American Express Platinum Card are better for this purchase!

International Airline Program

· Discounted premium-economy, business, and international tickets through American Express travel on about 25 airlines!


The Business Platinum Card has a hefty annual fee of $595. I think the most value comes with the 1.5x points on big purchases. Most businesses buy in bulk, and your transactions will likely go over $5,000 each time. This makes this card the go-to card for all business spends over $5,000. Combined with its travel perks, and this card is a no brainer!