The Business Platinum Card from American Express
American Express · Reward Points · Reward Points
This comprehensive guide covers the The Business Platinum Card from American Express's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The The Business Platinum Card from American Express from American Express offers reward points rewards redeemable as reward points. Top earning categories include 5x on flights and prepaid hotels via amex travel and more. Cardholders receive lounge access at select airports. Annual fee is $695 (no standard fee waiver).
Best for: Travel, Online Retail, General Online, Electronics Accessories
Official product page → Official rules →
Waiver: No standard fee waiver
Reward Rules
- 5 pts/$100 5x on flights and prepaid hotels via Amex Travel (cap: $25,000)
- 1.5 pts/$100 1.5x on eligible purchases in select business categories (shipping, advertising, tech) (cap: $20,000)
- 1 pts/$100 1x everywhere else
Important Notes
- 5x flights capped at $500,000 per calendar year (then 1x).
- 1.5x business categories capped at $2,000,000 per calendar year.
- Statement credits (Dell, Indeed, Adobe, wireless) and lounge access included — in scoring.
Lounge Access
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
The Business Platinum Card from American Express vs Similar Cards
- Blue Cash Everyday Card from American Express — 3% top rate · $0
- American Express® EveryDay® Credit Card — Reward Points · $0
- American Express® EveryDay® Preferred Credit Card — Reward Points · $95
Maximize Your Rewards
To earn the highest rewards, use the The Business Platinum Card from American Express for its bonus categories: Travel, Online Retail, General Online, Electronics Accessories, Dining.