Last Updated: 05/14/2026
The Business Platinum Card® from American Express
Claimed
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +67
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The Business Platinum Card® from American Express Review
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?
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?
- An annual fee of $895 .
- A late payment penalty of $39 .
- A returned payment fee of $39.
Does it charge a foreign transaction fee?
| 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card in the first 3 months. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Blackout Dates? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 200,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| 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?
Does it offer an annual 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.
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Community Recommended Products
View AllSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +67, or 4.3 on a 5-point rating scale.
+67
The Business Platinum Card® from American Express Community Reviews
Would you recommend The Business Platinum Card® from American Express to your friends?
Amy C.
Aug 21, 2023
May or may not recommend
Jonathan S.
May 25, 2022
May or may not recommend
Y C.
Mar 12, 2021
May or may not recommend
Kevin L.
Feb 27, 2021
May or may not recommend
Miron L.
Jul 9, 2018
May or may not recommend
Anonymous
Aug 2, 2015
May or may not recommend
Showing 6 of 6 reviews
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