American Express
American Express Business Platinum
Annual Fee
$895
Sign-up Bonus
200,000 pts
Travel Credit
$200
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- Credits worth about $744/yr at typical usage offset 83% of the fee
- Airport lounge access
Is the $895 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
-$355/yr
$540 rewards - $895 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
-$310/yr
$585 rewards - $895 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$195/yr
$630 rewards + $460 credits - $895 fee
Rewards by Category
Dining
1.5x
Grocery
1.5x
Gas
1.5x
Flights
1.5x
Hotels
1.5x
Other Travel
1.5x
Online Shopping
1.5x
Rideshare
1.5x
Streaming
1.5x
Amazon
1.5x
Costco
1.5x
Other
1.5x
Apple
1.5x
Cell Phone
1.5x
Fast Food
1.5x
Home Utilities
1.5x
Internet
1.5x
Walmart
1.5x
Point value: 1.5 cents per point
The Fine Print That Changes the Math
5X on flights and prepaid hotels on amextravel.com. 1.5X on $5K+ purchases (up to $2M/year). Centurion Lounge access. $200 airline fee credit, $600 hotel credit.
Benefits & Credits
Airport Lounge Access
Priority Pass or proprietary lounges
Airline Fee Credit$200
We count this at 80% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
FHR/THC Hotel Credit$600
We count this at 50% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Dell Credit$400
We count this at 50% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
CLEAR Credit$209
We count this at 40% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
American Express Business Platinum FAQ
What is the American Express Business Platinum annual fee?
The American Express Business Platinum has a $895 annual fee. Statement credits worth about $744/yr at typical usage reduce the effective cost.
What is the American Express Business Platinum signup bonus?
200,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the American Express Business Platinum?
1.5x on flights, 1.5x on hotels, 1.5x on other travel. Everything else earns 1.5x.
Is the American Express Business Platinum worth the annual fee?
At a typical $24,000/yr spending profile, it comes up about $355/yr short of covering the fee. It can still win for heavier spending in its bonus categories; run your own numbers in the optimizer.
Does the American Express Business Platinum include airport lounge access?
Yes. Lounge access is included; the cash value depends on how often you fly.
Compare With Similar Cards
Is American Express Business Platinum Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.