If you're considering applying for The Business Platinum Card® from American Express, you'll want to pay close attention.
The Business Platinum has an $895 annual fee (see rates and fees). That makes it among the most expensive business cards on the market.
With an annual fee that high, securing the best possible welcome offer is important. Amex now offers personalized welcome bonuses for the Business Platinum and eligible applicants could receive one of the card's richest offers to date.
So, here's what you need to know about the current offer on the Amex Business Platinum.
Current Amex Business Platinum welcome offerNew Business Platinum cardmembers can find out their offer and see if they are eligible for as high as 300,000 bonus points after spending $20,000 on purchases within the first three months of card membership. Welcome offers vary and you may not be eligible for an offer.
If you're offered the full 300,000 bonus points, that's by far the highest-ever offer we've seen on this card. So, it's worth filling out an application to see which offer you receive.
Amex will display your personalized offer during the application process, allowing you to review it before deciding whether to proceed.
THE POINTS GUYBased on our October 2026 valuations, this welcome offer is worth up to $6,000. That's fantastic value if you're targeted for the full 300,000 points and can meet the spending requirements.
It's possible to get even more value if you redeem your Amex Membership Rewards points for lucrative redemptions, like first class flights on transfer partner Singapore Airlines.
To earn the welcome offer, your business must spend a lot on the card quickly. With its hefty initial spending requirement and statement credits (which we'll talk about below), this card is targeted toward businesses with employees and significant expenses.
Keep in mind that Amex only allows cardmembers to earn one welcome bonus per card in a lifetime. That's why we encourage prospective cardmembers to be patient and wait for the best offer they can get.
Related: 9 things to do when you get the Amex Business Platinum Card
Key Business Platinum Card benefitsWhile the Business Platinum carries a high $895 annual fee, its wide range of perks and credits can easily outweigh the cost for business owners who maximize its offerings.
Statement credits
The card offers the following statement credits:
Credit*Amount per calendar yearHow it works<strong>Adobe</strong>$250$250 <a href="https://thepointsguy.com/news/amex-business-platinum-enhances-adobe-dell-statement-credits/" target="_blank" rel="noopener">Adobe</a> statement credit after spending $600 or more on U.S. purchases made directly at Adobe each calendar year (subject to auto-renewal)<strong>Airline</strong>Up to $200Up to $200 in statement credits per calendar year for <a href="https://thepointsguy.com/credit-cards/choosing-your-amex-platinum-200-airline-fee-credit/" target="_blank" rel="noopener">incidental charges</a> with a qualifying airline of your choice<strong>ChatGPT Business</strong>Up to $300Up to $300 in statement credits per calendar year for U.S. purchases of a ChatGPT Business subscription (subject to auto-renewal)<strong>Clear+</strong>Up to $219Up to $219 in statement credits per calendar year for an <a href="https://thepointsguy.com/credit-cards/guide-to-using-the-amex-platinum-clear-credit/" target="_blank" rel="noopener">annual Clear+ membership</a> for expedited airport security (subject to auto-renewal)<strong>Dell</strong>Up to $1,150<ul> <li>Up to $150 in statement credits on U.S. purchases made <a href="https://thepointsguy.com/credit-cards/dell-credit-amex-business-platinum-how-to-use/" target="_blank" rel="noopener">directly at Dell</a> each calendar year</li> <li>$1,000 statement credit after spending $5,000 or more at Dell each calendar year</li> </ul><strong>Global Entry/TSA PreCheck</strong>Up to $120 (every four years)Statement credits for Global Entry ($120) or <a href="https://thepointsguy.com/news/tsa-precheck-what-to-know/" target="_blank" rel="noopener">TSA PreCheck</a> (up to $85) every four years<strong>Hilton</strong>Up to $200Up to $50 in quarterly statement credits on eligible purchases made directly with a <a href="https://thepointsguy.com/credit-cards/amex-business-platinum-hilton-statement-credit/" target="_blank" rel="noopener">Hilton</a> portfolio property (Hilton for Business program membership is required)<strong>Lodging</strong>Up to $600Up to $300 in biannual lodging statement credits for eligible <a href="https://thepointsguy.com/credit-cards/amex-platinum-hotel-credit/" target="_blank" rel="noopener">American Express Fine Hotels + Resorts, Airbnb Luxe and The Hotel Collection bookings</a> (minimum two-night stay is required for The Hotel Collection and Airbnb Luxe; <a target="_blank" href="https://thepointsguy.com/news/amex-platinum-airbnb-hotel-credit-changes">beginning Jan. 1, 2027</a>, Fine Hotels + Resorts will require stays of two nights or more to be eligible for the lodging statement credit)<strong>Indeed</strong>Up to $360Up to $90 in quarterly statement credits on all U.S. Indeed hiring and recruiting products and services<strong>Wireless telephone services</strong>Up to $120Up to $10 in monthly statement credits for purchases made directly from any U.S. wireless telephone provider (Select providers beginning Feb. 17, 2027)
*Enrollment is required in advance for select benefits.
WESTEND61/GETTY IMAGESPlus, if you put at least $250,000 in eligible purchases on the card in a calendar year, you'll unlock the following credits to use in the following calendar year:
- Up to $1,200 in statement credits for flights booked with American Express Travel
- Up to $2,400 in statement credits for American Express One AP (the issuer's automated accounts payable platform) monthly fees (subject to auto-renewal)
That's up to $3,600 in additional annual value, though this is clearly targeted at companies with significant card spending and, ideally, those already using (or willing to adopt) Amex's One AP platform.
Earning rates
The Business Platinum offers impressive earning potential, including:
- 5 points per dollar spent on flights and prepaid lodging booked through amextravel.com
- 1 point per dollar spent on most other eligible purchases
Cardmembers also earn 2 points per dollar spent in the following categories (on up to $2 million in eligible purchases per calendar year, then 1 point per dollar spent):
- Eligible purchases of $5,000 or more
- U.S. cloud service and software providers
- U.S. construction materials and hardware suppliers
- U.S. electronic goods retailers
- U.S. shipping providers*
*Select shipping providers beginning Feb. 17, 2027
Other card perks
Beyond credits and rewards, the Business Platinum enhances your travel and business experience with these benefits**:
- Lounge access: Access to the American Express Global Lounge Collection for eligible cardmembers, including Amex Centurion Lounges, Delta Sky Clubs (when traveling on same-day Delta Air Lines flights, except for basic economy tickets; up to 10 visits per program year) and Priority Pass lounges
- Hotel elite status: Gold elite status with Hilton Honors and Marriott Bonvoy and Sterling status with Leaders Club, the loyalty program for The Leading Hotels of the World
- Pay with Points: 35% of your points back for flights booked through Amex Travel with your selected qualifying airline (up to 1 million points back per calendar year)
- Cellphone protection***: A maximum of $800 per claim, with a limit of two approved claims per 12-month period; a $50 deductible will apply
- Comprehensive travel protections and shopping protections when using your card
**Enrollment is required for select benefits.
***Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Related: Is the Amex Business Platinum worth the annual fee?
Who is eligible for the Amex Business Platinum welcome offer?The personal and business versions of the Platinum are considered different products. So, even if you currently have the American Express Platinum Card®, the issuer's one-bonus-per-card-per-lifetime rule won't prevent you from earning the business card's offer.
Likewise, you may be eligible to earn a welcome offer on the Amex Business Platinum even if you already have another Amex business card, such as the American Express® Business Gold Card.
ZORICA NASTASIC/GETTY IMAGESHowever, Amex may not give you a welcome offer based on several factors, including the number of American Express cards you have opened and closed.
So, look out for any messages or pop-ups while you apply. Amex's welcome offer qualification tool should notify you if you aren't eligible for the welcome offer and allow you to withdraw your application.
Related: What credit score do you need for the Amex Business Platinum Card?
Bottom lineThe Business Platinum is offering eligible applicants the opportunity to earn as high as 300,000 Membership Rewards points through a personalized welcome offer.
While the $895 annual fee is steep, businesses that maximize the benefits can more than offset the cost, making this one of the most rewarding business cards currently available.
To learn more, read our full review of the Amex Business Platinum.
Apply here: The Business Platinum Card from American Express
For rates and fees of the Amex Business Platinum Card, click here.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.