Card details · American Express
Business Platinum Card review: fees, rewards and APR
The Business Platinum Card® is a credit card from American Express with a $895 annual fee. By our overall score it ranks #45 of the 242 credit cards we rank (store-only cards excluded), and #7 of 26 American Express cards. It is listed in our business rankings.
Key facts
- Issuer
- American Express
- Network
- American Express
- Annual fee
- $895
- Welcome offer
- AS HIGH AS 300,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- Foreign transaction fee
- None
- Our overall score
- 65 (#45 of 242 cards)
Sign-up bonus history
At or near the highest offer we’ve tracked
- Current offer
- 300,000 points
AS HIGH AS 300,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offe… - Highest tracked since April 2026
- 300,000 points
AS HIGH AS 300,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offe… - Lowest tracked since April 2026
- 100,000 points
Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26. - Changes tracked
- 3
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | 200,000 points | Earn 200,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your Card within the first 3 months of Card Membership. |
| Jul 29, 2026 | 300,000 points | AS HIGH AS 300,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offe… |
| Aug 31, 2026 | 100,000 points | Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26. |
| Sep 29, 2026 | 300,000 points | AS HIGH AS 300,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offe… |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 5X points on Flights & Prepaid Hotels booked through American Express Travel including, Fine Hotels + Resorts® and the Hotel Collection
- 5X Membership Rewards® points on all flights booked on AmexTravel.com
- 2X points on eligible purchases in key business categories, or on single purchases of $5K or more. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Earn 2X on up to $2 million of these purchases per calendar year
- 1X points on other eligible purchases
Benefits and notes
Up to $600 hotel credit; $550 in value at Fine Hotels + Resorts; $850+ in value with The Global Lounge Collection; up to $200 Hilton credit; up to $1,150 Dell Technologies credit; $100 Shopify credit; $200 airline credit; 35% points back on business class flights on one selected qualifying airline; 1,550+ airport lounges; $250 statement credit after spending $600 or more on eligible Adobe purchases
Where it ranks
- Overall: #45 of 242 cards (score 65)
- American Express credit cards: #7 of 26
- Business cards: #9 of 46 by our business score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against American Express’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Business Platinum Card?
$895, as stored in our database. Confirm the current fee on American Express’s site.
Does the Business Platinum Card have a welcome bonus?
Our database lists this offer: AS HIGH AS 300,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Offers change often and terms apply.
Does the Business Platinum Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the Business Platinum Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Business Platinum Card rank on YourBestCards?
#45 of 242 cards by our overall score (65). In our category lists: #9 of 46 business cards.
What is the highest Business Platinum Card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 300,000 points and the lowest is 100,000 points, across 3 changes. The current offer is 300,000 points. This only covers the period we have tracked; terms apply.
Other top American Express cards
- 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year)
- 4X at restaurants (up to $50,000/year)
- 3X on flights through American ExpressTravel
- Annual fee
- $325
- Welcome offer
- Earn up to 100,000 Membership Rewards Points after $6,000 spend in 6 months.
- 4X points on your top 2 eligible categories each month (advertising, electronics/software/cloud, gas, restaurants, transit, wireless), on the first $150,000 in combined purchases per year, then 1X. 3X on flights and prepaid hotels on AmexTravel.com. 1X on everything else.
- Annual fee
- $375
- Welcome offer
- AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- 5X points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 per calendar year
- 5X points booked at hotels on American Express Travel®
- 1X points on other purchases
- Annual fee
- $895
- Welcome offer
- As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership.
- #4
Hilton Honors American Express Aspire Card
Score 69- 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio
- 7X Points on purchases of flights booked directly with airlines or flights booked through American Express Travel, car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants
- 3X Points on all other eligible purchases.
- Annual fee
- $550
- Welcome offer
- Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
- #5
Blue Business® Plus Credit Card
Score 69- 2X Membership Rewards points on all purchases (up to $50k/year, then 1X)
- Annual fee
- $0
- Welcome offer
- Earn 15,000 Membership Rewards® Points after you spend $3,000 in purchases on your Card in your first 3 months of Card Membership.
- Intro APR
- purchases 12 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.