Last Updated: 10/08/2025
The Business Platinum Card® from American Express
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Last Updated: 10/08/2025
SuperMoney User Recommendation Score +67
Strongly recommended6 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.24% - 28.99%(Verified 09/19/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 07/01/2025)
Annual Fee
$895
Credit Score Range
N/A
Number of Reviews
The Business Platinum Card® from American Express Review
All information about this card has been collected independently by SuperMoney.
This is a rewards card issued by American Express® National Bank. If you're wondering whether The Business Platinum Card® from American Express is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 28.99%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
Pros & Cons of American Express business Platinum card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 18.24% up to 28.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
This business card does not offer an introductory rate on new purchases.| Purchase APR | 18.24% - 28.99% |
| Penalty APR | 29.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $895 .
- A late payment penalty of $39 .
- A returned payment fee of $39.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $895 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Returned Payment Fee | $39 |
| Late Payment Fee | $39 |
Does it offer a cash back or rewards program?
Yes, American Express business Platinum card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Blackout Dates? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 200,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Airfare
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
Yes. Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership..
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
View The Business Platinum Card® from American Express's published terms & conditions
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from American Express business Platinum card
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM