The Business Platinum Card®

2x Membership Rewards on Key Business Purchases: U.S. construction material/hardware suppliers, U.S. electronic goods retailers, U.S. software & cloud system providers, U.S. shipping providers, AND each eligible purchase of $5,000 or more. Capped at $2,000,000 of combined eligible purchases per calendar year.

5x flights and prepaid hotels apply only to bookings on AmexTravel.com or the Amex Travel App; non-portal travel earns 1x.

When using Pay with Points for flights booked through Amex Travel with your selected qualifying airline, get 35% of your points back; up to 1,000,000 points back per calendar year.

Spend $250,000 in eligible purchases in a calendar year to unlock up to $2,400 in statement credits the FOLLOWING calendar year on American Express One AP® monthly fees (auto-renewing platform access, transaction fees based on usage, and applicable taxes).

Spend $250,000 in eligible purchases in a calendar year to unlock up to $1,200 in statement credits the FOLLOWING calendar year on flights booked through AmexTravel.com with the Business Platinum Card.

Receive a $100 credit toward eligible charges every time you book 2+ nights with The Hotel Collection through Amex Travel (separate from the $300 semi-annual hotel credit; per qualifying booking, not capped to once per year).

Average total value $550+ per stay (based on 2024 stays of 2+ nights) when booking FHR through Amex Travel; benefits typically include daily breakfast for two, room upgrade when available, early check-in / late checkout, complimentary Wi-Fi, and a unique property amenity.

Reimburses certain expenses when a covered round-trip is delayed more than 6 hours; up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive months.

Up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive months for prepaid, non-refundable expenses when a covered trip is canceled or interrupted.

Coverage for lost, damaged, or stolen baggage when the entire fare is paid with the card; up to $2,000 for checked baggage and up to a combined $3,000 for checked and carry-on baggage in excess of common-carrier coverage; $3,000 aggregate per Covered Trip; New York residents: $2,000 per bag with $10,000 aggregate per Covered Trip.

Decline the rental company's collision damage waiver and pay with the card to be covered for theft or damage to a Rental Vehicle in a Covered Territory; not available in Australia, Italy, or New Zealand; not all vehicle types covered.

No American Express foreign transaction fees on purchases processed outside the U.S.

The amount you can spend adapts based on your purchase, payment, and credit history; no traditional set credit limit.

Eligible charges can be carried as a balance with interest up to your Pay Over Time Limit; APR 17.74%–28.49% variable based on creditworthiness.

No annual fee option; real-time Merchant Category Alerts when employees spend outside merchant types you've approved (e.g., U.S. gas stations, U.S. shipping, U.S. office supply stores).

24/7 medical, legal, financial, and emergency coordination services 100+ miles from home: medical/legal referrals, prescription replacement, emergency hotel check-ins, cash wires, missing luggage. Emergency medical transportation may be provided at no cost only if approved and coordinated by Premium Global Assist.

Special access to reservations on select nights at participating, in-demand Resy restaurants when the eligible card is added to a Resy profile.

Insider access to sought-after restaurants with Priority Notify from Resy when the Business Platinum Card is added to a Resy profile.

Reimburses repair or replacement of a damaged or stolen cell phone, up to $800 per claim, max 2 approved claims per 12-month period; $50 deductible per claim. Cell line must be listed on a wireless bill and the prior month's bill paid with the card.

Adds up to one extra year to the manufacturer's U.S. warranty on eligible warranties of 5 years or less for Covered Purchases.

Up to $10,000 per Covered Purchase for 90 days against theft, accidental damage, or loss; up to $50,000 per Card Member account per calendar year.