Amex Business Platinum
Maximize your business spending with premium rewards, employee cards, and business-focused benefits
Perfect for Small Businesses
The Business Platinum Card is designed for business owners and freelancers who travel for work, need employee cards with spending controls, and want to maximize rewards on business expenses.
Annual Fee: $695 (significantly lower than personal Platinum's $895)
Business-Specific Credits
- •$400 in Dell statement credits annually
- •Adobe Creative Cloud credits
- •Indeed job posting credits
- •Walmart+ Business membership
- •Global Dining Collection access
Enhanced Earning
- •5X points on flights and prepaid hotels (Amex Travel)
- •1.5X points on eligible purchases over $5,000 (up to 2M points/year)
- •35% points back on eligible flights with selected airline
- •Unlimited 1X points on other purchases
Employee Benefits
- •99 free employee cards
- •Individual spending controls per card
- •Detailed expense tracking and reporting
- •Employee lounge access (Centurion + Priority Pass)
Travel Perks for Business
- •Business lounge access worldwide
- •Fine Hotels & Resorts benefits
- •International Airline Program benefits
- •No foreign transaction fees
- •Business travel insurance
Ideal Business Profiles
The Traveling Entrepreneur
If you travel for work 5+ times per year, the lounge access and travel credits pay for the card. Add employee cards for team members who also travel.
The Tech-Focused Startup
Dell and Adobe credits are perfect for startups needing equipment and software. The Indeed credits help with recruiting.
The Service Business Owner
Consultants, freelancers, and service professionals can expense work travel while earning 5X points and enjoying premium lounge access between client meetings.
Business vs Personal Platinum: Key Differences
Business Platinum ($695)
- • Business-specific credits (Dell, Adobe, Indeed)
- • 99 free employee cards
- • 35% airline points back
- • 1.5X on large purchases over $5k
Personal Platinum ($895)
- • Lifestyle credits (Saks, lululemon, Oura)
- • $240 entertainment credit
- • $200 Uber Cash
- • $200 hotel credit
Calculate the value for your business spending
Our quiz includes business spending categories to give you an accurate recommendation.
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