The Business Platinum Card from American Express by American Express: 5x flights / airfare via portal, 5x hotels via portal, 2x cardholder-chosen / top…
The The Business Platinum Card from American Express is American Express's premium credit card. The $895/yr annual fee includes a 300,000-point welcome bonus after spending $20,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Adobe | $250/yr | $250 statement credit per calendar year after spending $600+ on U.S. purchases directly with Adobe |
| CLEAR+ | $219/yr | Up to $219/yr in statement credits for an auto-renewing CLEAR+ membership, excluding taxes and fees |
| ChatGPT Business | $300/yr | Up to $300/yr in statement credits on U.S. purchases of ChatGPT Business subscription |
| Dell Technologies | $1150/yr | Up to $150 in statement credits on U.S. Dell purchases, plus an additional $1,000 after spending $5,000+ on Dell purchases per calendar year |
| Hilton credit | $200/yr ($50/qtr) | Up to $50 per quarter in statement credits on eligible purchases made directly with Hilton for Business |
| Airline incidental fee | $200/yr | Up to $200/yr in statement credits for incidental fees charged by one selected qualifying airline per calendar year |
| Indeed | $360/yr ($90/qtr) | Up to $90 per quarter in statement credits for U.S. purchases made directly with Indeed |
| Global Entry / TSA PreCheck application fee | $120/quadrennial | Either a $120 statement credit for a Global Entry application fee or up to $85 for TSA PreCheck (through a TSA official enrollment provider) every 4 years, when charged to the Business Platinum Card. Global Entry includes TSA PreCheck. |
| Wireless phone service | $120/yr ($10/mo) | Up to $10/mo in statement credits for wireless phone service purchases from a U.S. wireless provider |
| Lodging credit (FHR/THC/Airbnb Luxe) | $600/yr ($300 per half-year) | Up to $300 in statement credits semi-annually (January to June, July to December), up to $600 per calendar year, on prepaid Fine Hotels + Resorts, The Hotel Collection and Airbnb Luxe bookings through Amex Travel. The Hotel Collection and Airbnb Luxe need two consecutive nights; effective January 1, 2027, Fine Hotels + Resorts bookings also need a two-night minimum. Renamed from the $600 Hotel Credit on October 22, 2026. |
| Airbnb Experiences credit | $250/yr | Up to $250 in statement credits per calendar year on Airbnb Experiences sold directly by Airbnb, unlocked by a prepaid Airbnb Luxe booking through Amex Travel, with an Airbnb account linked to the Amex online account. It can be reversed if every qualifying Luxe booking is cancelled. |
Welcome bonus value (year one): ~$6000. Annual statement credits: $3769. Minus the $895 annual fee = ~$8874 in year-one net value before any spending earn. RewardsGuru rating: 4.9/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
300,000 points after spending $20,000 in the first 3 months. At our ~2¢/pt valuation, that's roughly $6000 in real value.
Year-one math: welcome bonus value (~$6000) + annual credits ($3769) − $895 fee = ~$8874 net before spending earn. Year-two onward, the credits alone need to clear $895 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
11 recurring statement credits: Adobe ($250/yr), CLEAR+ ($219/yr), ChatGPT Business ($300/yr), Dell Technologies ($1150/yr), Hilton credit ($200), Airline incidental fee ($200/yr), Indeed ($360), Global Entry / TSA PreCheck application fee ($120), Wireless phone service ($120/mo), Lodging credit (FHR/THC/Airbnb Luxe) ($600), Airbnb Experiences credit ($250/yr). Total: $3769/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.