The Business Platinum Card® from American Express Review

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been superb and elevated each my journey and my enterprise. Others have been…nicely, lackluster.

The most effective? The Enterprise Platinum Card® from American Specific. It comes with numerous world-class perks and advantages, high quality buyer care, and a stable rewards construction (particularly on massive purchases).

Whereas the annual price is fairly excessive ($695, pay over time out there. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard price carrying. I feel it’s a fantastic selection for enterprise homeowners who journey incessantly.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Specific?

The Enterprise Platinum Card® from American Specific is a journey rewards card geared in the direction of enterprise homeowners. (Bear in mind: even facet hustles and freelancing depend as companies so you will get this card even with out being an LLC.) First, let’s go over among the finest belongings you get whenever you join, which make it a no brainer to get for the primary 12 months:

• Restricted Time Provide: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® inside the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked straight with airways or by way of American Specific Journey together with your Enterprise Platinum Card® inside the first 3 months of Card Membership. You’ll be able to earn one or each of those provides. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go inns, and short-term leases and pay as you go flight + lodge packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US development materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and delivery suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar 12 months. Purchases eligible for a number of further level bonuses will solely obtain the very best eligible bonus.
• Complimentary entry to the American Specific International Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 nations. Entry is proscribed to eligible Card Members.
• As much as $120 in assertion credit for International Entry or TSA Pre-check each 4 years.
• As much as $199 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar 12 months for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar 12 months whenever you make an eligible buy at Hilton properties. (Distributed in as much as $50 increments per quarter. Hilton for Enterprise program membership is required.)
• $150 credit score with Adobe on eligible annual pay as you go marketing strategy purchases of Adobe Inventive Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card by way of 6/30/25.
• As much as $120 per calendar 12 months in assertion credit for purchases made straight from any U.S. wi-fi phone supplier (as much as $10 again monthly).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No overseas transaction charges

Utilizing Your Membership Rewards Factors

You’ll earn Membership Rewards factors with The Enterprise Platinum Card® from American Specific. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are among the most dear factors on the market.

These are Amex’s present journey companions:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Membership (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Membership (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Selection Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Visitor (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Membership (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Membership (1:1 ratio)

Most transfers are instantaneous, although some can take as much as 48 hours.

You can too use your Membership Rewards factors to e-book flights and inns within the Amex Journey portal. I usually wouldn’t do that although because it’s not one of the best use of your factors. It’s all the time higher to switch them out to one in all their companions. Nevertheless, you will get 35% factors again whenever you do e-book by way of their portal so simply evaluate the factors prices between each earlier than making a call.

Breaking Down the Enterprise Platinum’s Credit and Advantages

Amex playing cards are well-known for his or her plethora of perks and advantages. They’re an enormous purpose I like their playing cards. And, should you can make the most of all that it has to supply, the Enterprise Platinum boasts over $1,700 price of worth. However, with so many classes and a lot high-quality print, it may be arduous to maintain monitor of whether or not a profit is definitely helpful on your spending habits. So, that can assist you resolve if the cardboard is best for you, I wish to break down among the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International Entry/TSA PreCheck)
The most effective issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into among the high lounges worldwide, together with the superb Centurion Lounges and Delta Sky Golf equipment (whenever you’re flying Delta, with as much as 10 visits per 12 months).

On high of that, you’ll get complimentary entry to the massive Precedence Go community. If having a quiet house to chill out, seize a drink, or get some work executed is a precedence whenever you journey, this card has you coated just about anyplace.

I additionally respect that the Enterprise Platinum helps you get by way of the airport sooner. It provides as much as $199 in assertion credit every year for a CLEAR® Plus membership, which speeds you thru safety traces.

You’ll additionally get a credit score for International Entry (as much as $100 each 4 years) or TSA PreCheck (as much as $85 each 4.5 years), relying on which one you select. I personally advocate going for International Entry. It takes a bit extra effort (there’s an interview), nevertheless it contains TSA PreCheck too. It’ll prevent a ton of time should you journey internationally.

Airline and Lodge Credit
One other travel-related profit is the as much as $200 airline credit score. Sadly, it comes with a good variety of restrictions, making this credit score a bit extra annoying to make use of. It may solely be used on one (pre-selected) airline, and you may solely use it for incidentals, not airfare. However should you don’t have an airline bank card that provides free baggage, it may be helpful to have. You can too use the credit score for airline bills like paid seat choice or on-board foods and drinks.

The Enterprise Platinum additionally provides a couple of Hilton-related advantages. First, you may obtain as much as $200 in assertion credit at Hilton properties when booked straight. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property at the very least 4 occasions a 12 months to get the total worth of this credit score. However should you’re on the street loads, that may be simple to do.

Second, the Enterprise Platinum provides complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which supply further perks and advantages when staying at these properties.

Enterprise-Associated Assertion Credit
The Enterprise Platinum card comes with some nice perks to assist lighten the monetary load of operating a enterprise. Bills can actually add up should you’re managing a enterprise whereas touring, so I respect that the Enterprise Platinum helps offset these prices.

You’ll be able to rise up to $400 in assertion credit on U.S. Dell purchases (by way of June 30, 2025, cut up into $200 chunks each six months). There’s additionally as much as $360 again per 12 months on Certainly advertisements (as much as $90 every quarter), which is nice should you’re hiring as your enterprise grows.

In the event you use Adobe instruments, there’s a $150 credit score out there whenever you prepay yearly for eligible Adobe Inventive Cloud or Acrobat Professional plans for groups. And to maintain you linked on the go, you’ll rise up to $120 a 12 months for purchases made straight with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Presents
On high of all these worthwhile assertion credit, the Enterprise Platinum provides you entry to Amex Presents, a simple means to avoid wasting money or rack up further factors with a variety of shops. These offers rotate usually and are customized, so what reveals up for you is likely to be completely totally different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I all the time examine Amex Presents earlier than I buy. (The private card provides this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless advocate shopping for a standalone coverage for medical, this card contains robust built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally contains mobile phone safety for injury or theft, a uncommon however worthwhile perk. For a most of $800 per declare, with a restrict of two authorised claims per 12-month interval, when your mobile phone line is listed on a wi-fi invoice and the prior month’s wi-fi invoice was paid by an Eligible Card Account. A $50 deductible will apply to every authorised declare.

So, whilst you may get away with the cardboard’s insurance coverage should you e-book the journey on the cardboard, I wouldn’t depend on it utterly. But it surely’s higher than most!

Do you have to get this card?

The Enterprise Platinum is good for frequent vacationers who can take advantage of perks like smoother airport experiences and lodge elite standing. In the event you can make the most of a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual price price it. I get numerous worth from the cardboard by way of the assertion credit that make carrying the cardboard after the primary 12 months actually price it.

Whereas it’s true you solely get 1x level per greenback spent on something below $5,000 (which isn’t pretty much as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex provides, and companions you don’t discover anyplace else make this card important for any enterprise proprietor.

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