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  American Express® National Bank Business Platinum Credit Card®

American Express® National Bank Business Platinum Credit Card®

in Business Credit Cards from American Express National Bank

Claimed

American Express® National Bank Business Platinum Credit Card®

Claimed

in Business Credit Cards from American Express National Bank

Net Recommendation Score +50

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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3 users recommend
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1 user doesn't recommend
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Highlights
Community Rating

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Purchase APR  (Variable APR) 14.24% - 22.24%
Balance Transfer APR  (Variable APR) 14.24% - 22.24%
Credit Score Range 600 - 850
Annual Fee $595

American Express® National Bank Business Platinum Credit Card® Review

Key Takeaways
  • Business credit card with generous reward rate. You will get a rewards rate of up to 5 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 85000 points after spending $15,000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. American Express® National Bank Business Platinum Credit Card® has a variable purchase APR that ranges from 14.24% up to 22.24%.
  • 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of American Express business Platinum card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Global Entry / TSA Precheck Fee Credit.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere American Express® National Bank Business Platinum Credit Card® is accepted.
  • American Express® National Bank Business Platinum Credit Card® reports to multiple credit bureaus.
  • Charges an annual fee of $595
American Express business Platinum card FAQ

Who is American Express business Platinum card designed for?

This is a credit card issued by American Express National Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 14.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 22.24%.

It also has a variable cash advance APR that ranges from 14.24% up to 22.24%. Note that late payments are subject to an APR of 29.9% 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?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

American Express business Platinum card Rates & Terms
Purchase APR 14.24% - 22.24%
Balance Transfer APR 14.24% - 22.24%
Cash Advance APR 14.24% - 22.24%
Penalty APR 29.9%

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $595.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $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.

American Express business Platinum card Fees
Fees Amount
Annual Fee $595
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does it offer a cash back rewards program?

This business credit 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:

  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
  • Restaurants

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

However, it does include a 85000 points signup bonus after you spend $15000 that can be redeemed for travel, gifts, or other perks.

Does it offer an annual loyalty bonus?

Yes, this business credit card offers users an annual bonus worth up to $200.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 528-4800.

What is the support contact email?

The support contact email for this business credit card is info@americanexpress.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does American Express® National Bank Business Platinum Credit Card® report your account activity to credit bureaus?

Yes, American Express® National Bank Business Platinum Credit Card® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the American Express National Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
View American Express® National Bank Business Platinum Credit Card®'s published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Feature Breakdown

Every Purchase (Points) 1X points for each dollar you spend on eligible purchases
Every Purchase (Points) Starting at 1
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Annual Fee $595
Late Fee Amount Up to $39
Returned Payment Fee Up to $39
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Global Entry / TSA Precheck Fee Credit
  • Travel Assistance
  • Concierge
Annual Loyalty Bonus $200
Bonus Rewards Earn 85,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card in the first 3 months.
No Blackout Dates
No Reward Expiration Period
Rewards Categories
  • Travel
  • Airfare
  • Car Rentals
  • Hotels
  • Restaurants
  • Every Purchase
Signup Bonus (points) 85,000
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 14.24% - 22.24%
Penalty APR (Variable APR) 29.9%
Purchase APR (Variable APR) 14.24% - 22.24%
Balance Transfer APR (Variable APR) 14.24% - 22.24%
Card Network American Express
Card Type
  • Rewards

American Express® National Bank Business Platinum Credit Card® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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