# The Business Platinum Card®

> Earn up to 5x on flights and 5x on hotels. $2,509+ in statement credits per year. $895 annual fee.

Canonical page: https://cardstack.money/cards/the-business-platinum-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: American Express
- Network: Amex
- Annual fee: $895
- Rewards program: Membership Rewards (https://cardstack.money/programs/amex-membership-rewards.md)
- Total statement credits value: $2,509 per year
- Net value after annual fee: +$1,614 per year (credits value minus fee)
- Welcome offer: As high as 300,000 Membership Rewards points after you spend $20,000 in eligible purchases in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | Flights | Travel Portal Only |
| 5x | Hotels | Travel Portal Only |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Hilton Credit - $200/yr ($50 quarterly)

Hilton for Business members earn up to $50 in statement credits per quarter on eligible purchases made directly with Hilton; up to $200/year. Enrollment required (auto-registers a Hilton for Business account if needed).

- Resets: Quarterly
- Enrollment required: yes
- Where to redeem: Hilton properties – Hilton for Business, direct with property
- Details: https://cardstack.money/benefits/the-business-platinum-card-hilton-credit.md

### Airline Fee Credit - $200/yr ($200 annual)

Up to $200 in statement credits per calendar year for incidental fees charged by your one selected qualifying airline.

- Resets: Calendar year
- Enrollment required: yes
- Where to redeem: Select airline (Amex) (https://global.americanexpress.com/card-benefits/detail/airline-fee-credit/platinum)
- Details: https://cardstack.money/benefits/the-business-platinum-card-airline-fee-credit.md

### Hotel Credit (FHR/THC) - $600/yr ($300 semi-annual)

Up to $300 in statement credits semi-annually (Jan–Jun and Jul–Dec) on prepaid bookings through Amex Travel with Fine Hotels + Resorts® or The Hotel Collection®; The Hotel Collection requires a 2-night minimum stay.

- Resets: Jan–Jun / Jul–Dec
- Where to redeem: Fine Hotels + Resorts or The Hotel Collection via Amex Travel
- Details: https://cardstack.money/benefits/the-business-platinum-card-hotel-credit.md

### CLEAR+ Credit - $209/yr ($209 annual)

Up to $209 in statement credits per calendar year for an auto-renewing CLEAR+ Membership; excludes taxes and fees.

- Resets: Calendar year
- Where to redeem: CLEAR Plus membership – clearme.com
- Details: https://cardstack.money/benefits/the-business-platinum-card-clear-credit.md

### Dell Credit - $150/yr ($150 annual)

Up to $150 in statement credits per calendar year on U.S. purchases directly with Dell Technologies, plus an additional $1,000 statement credit after spending $5,000 or more on Dell purchases per calendar year (up to $1,150 total). Enrollment required.

- Resets: Calendar year
- Enrollment required: yes
- Where to redeem: U.S. Dell purchases – plus $1,000 when you spend $5,000+
- Details: https://cardstack.money/benefits/the-business-platinum-card-dell-credit.md

### Indeed Credit - $360/yr ($90 quarterly)

Up to $90 in statement credits per quarter on U.S. purchases made directly with Indeed; up to $360/year. Enrollment required.

- Resets: Quarterly
- Enrollment required: yes
- Where to redeem: Indeed recruiting and hiring
- Details: https://cardstack.money/benefits/the-business-platinum-card-indeed-credit.md

### Adobe Credit - $250/yr ($250 annual)

$250 statement credit per calendar year after spending $600 or more on U.S. purchases directly with Adobe in a calendar year. Enrollment required.

- Resets: Calendar year
- Enrollment required: yes
- Where to redeem: U.S. Adobe purchases – when you spend $600+
- Details: https://cardstack.money/benefits/the-business-platinum-card-adobe-credit.md

### Wireless Credit - $120/yr ($10 monthly)

Up to $10 per month in statement credits on wireless phone service purchases made directly with a U.S. wireless telephone service provider; up to $120/year. Enrollment required.

- Resets: 1st of each month
- Enrollment required: yes
- Where to redeem: Wireless telephone services
- Details: https://cardstack.money/benefits/the-business-platinum-card-wireless-credit.md

### ChatGPT Business Credit - $300/yr ($300 annual)

Connect your company tools to support the projects your team takes on. It's the ChatGPT you know — designed for work. Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business on your Business Platinum Card. Subscription subject to auto-renewal. Enrollment required.

- Resets: Calendar year
- Enrollment required: yes
- Where to redeem: ChatGPT Business subscription — chatgpt.com/business
- Details: https://cardstack.money/benefits/the-business-platinum-card-chatgpt-business-credit.md

### Global Entry / TSA PreCheck Credit - $120/yr ($120 every 4 years)

Receive either a $120 statement credit for a Global Entry application fee, or up to $85 for a TSA PreCheck® application fee (through a TSA official enrollment provider), every 4 years when charged to the Business Platinum Card. Global Entry approval includes TSA PreCheck access at no additional cost.

- Resets: Every 4 years
- Where to redeem: $120 Global Entry application fee, OR up to $85 TSA PreCheck (via official enrollment provider)
- Details: https://cardstack.money/benefits/the-business-platinum-card-global-entry-tsa-precheck-credit.md

## Featured benefits

- **Centurion Lounge Access** (Airport lounge access): Complimentary Centurion Lounge and Escape Lounge access in the U.S. and select international locations when flying same-day on any carrier; arrive within 3 hours of departure (Sidecar within 90 minutes). Starting July 8, 2026: Centurion/Sidecar access limited to a layover of up to five hours before departure; Centurion guests must travel on the same flight as the cardmember unless guest access is unlocked with $75,000 calendar-year spend.
- **Delta Sky Club Visits** (10 annual lounge visits): Up to 10 complimentary Delta Sky Club visits per Medallion Year on eligible same-day Delta flights; unlimited visits after $75,000 calendar-year card spend. Guests $50 each on same-day eligible Delta flights.
- **Priority Pass Select** (Airport lounge access): Complimentary Priority Pass Select membership with access to 1,400+ airport lounges worldwide; enrollment required. Up to two complimentary guests at participating lounges.
- **Hilton Honors Gold Status** (Hilton Gold status): Complimentary Hilton Honors Gold status: 80% bonus points on stays, space-available room upgrades, and daily food and beverage credit (U.S. hotels) or continental breakfast elsewhere. Enrollment required.
- **Leaders Club Sterling Status** (Leaders Club Sterling status): Complimentary Sterling Status from The Leading Hotels of the World®: 5% Leaders Club points bonus on qualifying stays and 5 pre-arrival room upgrades annually (subject to availability). Enrollment required.
- **Marriott Bonvoy Gold Elite Status** (Marriott Gold Elite status): Complimentary Marriott Bonvoy Gold Elite status: 25% bonus points on stays, enhanced room upgrades when available, and 2 p.m. late checkout where offered. Enrollment required.
- **Car Rental Privileges** (Avis, Hertz, and National status): Complimentary Avis Preferred Plus, Hertz Gold Plus President's Circle, and National Emerald Club Executive status after enrollment through American Express card benefits.

## Other benefits

- **Earn rule**: 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. (Schema-limited: not modeled as a structured category bonus because the rule mixes business categories with a per-purchase threshold.)
- **Earn rule**: 5x flights and prepaid hotels apply only to bookings on AmexTravel.com or the Amex Travel App; non-portal travel earns 1x.
- **35% Airline Bonus**: 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.
- **Earn rule**: $250,000 spend tier (One AP credit) — 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).
- **Earn rule**: $250,000 spend tier (AmexTravel flights) — 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.
- **The Hotel Collection**: 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).
- **Fine Hotels + Resorts® benefits**: 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.
- **Trip Delay Insurance (Premium)**: 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.
- **Trip Cancellation and Interruption Insurance**: 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.
- **Baggage Insurance Plan**: 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.
- **Car Rental Loss and Damage Insurance (secondary)**: 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 Foreign Transaction Fees**: No American Express foreign transaction fees on purchases processed outside the U.S.
- **No Preset Spending Limit**: The amount you can spend adapts based on your purchase, payment, and credit history; no traditional set credit limit.
- **Pay Over Time**: 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.
- **Employee Cards**: 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).
- **Premium Global Assist® Hotline**: 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.
- **Platinum Nights by Resy**: Special access to reservations on select nights at participating, in-demand Resy restaurants when the eligible card is added to a Resy profile.
- **Global Dining Access by Resy**: Insider access to sought-after restaurants with Priority Notify from Resy when the Business Platinum Card is added to a Resy profile.
- **Cell Phone Protection**: 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.
- **Extended Warranty**: Adds up to one extra year to the manufacturer's U.S. warranty on eligible warranties of 5 years or less for Covered Purchases.
- **Purchase Protection**: 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.


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CardStack automatically tracks the Business Platinum Card's $2,509 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863