American Express Business Platinum Review
American Express · Executives with heavy business travel and large purchases
4.3 / 5 (543 reviews)
Annual Fee
$695
Rewards
5x flights & hotels via Amex Travel, 1.5x on purchases $5,000+, 1x everything else
Regular APR
19.49% – 27.49%
Credit Needed
Excellent (750+)
Our Expert Verdict
8/10
Editor's Score
The ultimate business travel card for executives who fly frequently and can use premium credits. Over $1,000 in annual credits can offset the $695 fee. The 150,000-point welcome bonus is among the largest available and worth $1,500+ toward travel with the right transfer partners.
Pros
- 150K point sign-up bonus
- Centurion lounge access
- $1,000+ in annual credits
- 5x on travel bookings
- Elite hotel status
Cons
- $695 annual fee
- Must actively use credits to justify fee
- 1x on most spending
Sign-Up Bonus
150,000 points after spending $20,000 in 3 months
Key Benefits & Perks
$200 airline fee credit
$400 Dell credit annually
Centurion Lounge access
Priority Pass Select (unlimited visits)
Global Entry / TSA PreCheck credit
Marriott Gold & Hilton Gold elite status
Cell phone protection up to $800
35% points rebate on first/business class via Amex
Rewards Breakdown
| Category | Rate |
|---|---|
| Flights (Amex Travel) | 5x |
| Hotels (Amex Travel) | 5x |
| Purchases over $5,000 each | 1.5x |
| Everything else | 1x |
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Executives with heavy business travel and large purchases
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Customer Reviews
4.3
543 reviews
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