The Business Platinum Card
American ExpressCredit Card

The Business Platinum Card

Best for premium business travel

$6Kbonus$895/yrannual fee5.0x points per $1; value varies by redemption
Sign-up bonus
$6K
See issuer terms
Annual fee
$895
Offset by $6K bonus
Purchase APR
17.74%
Variable — see issuer terms
How you earn
Other purchases
5.0x points

Points and miles redemption value varies. Bonus categories shown; caps may apply. Verify earning rates and options with the issuer before applying.

SwitchWize take

The Business Platinum Card is a premium travel and business-services card for companies that can use its lounge access and statement credits. Its high annual fee requires active benefit management.

Pros & cons
What we like
  • Extensive airport lounge access
  • Large potential welcome offer
  • High-value Membership Rewards points
  • Multiple business statement credits
  • No foreign transaction fees
Worth noting
  • Very high annual fee
  • Credits are fragmented and require enrollment
  • Weak 1X base earn rate
Perks & credits
$1,730 face value·$1,415 effective
Airline Fee Credit
Enrollment required; incidental fees on selected airline
moderate
$200
$150 eff.
Dell Credit
Enrollment required; split semi-annual credits
moderate
$400
$300 eff.
Adobe Credit
Eligible Adobe annual plans only
hard
$150
$75 eff.
Indeed Credit
Enrollment required; quarterly allotments for recruiting
moderate
$360
$270 eff.
Global Entry or TSA PreCheck Credit
Once per eligible 4-year period
easy
$120
Airport Lounge Access
Centurion Lounges, Priority Pass and partner lounges globally
easy
$500

Effective value discounts hard-to-use credits (easy 100% · moderate 75% · hard 50%)

Key terms
Updated Jun 21, 2026
Purchase APR17.74%–28.49% variable
Annual fee$895

Always verify current terms at the issuer before applying. See full offer details →

The Business Platinum Card
American Express

The Business Platinum Card

$6K
sign-up bonus
$895
annual fee
$6,605
est. first-year value
$605
ongoing value / yr

Based on $2,500/mo spend

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