The Business Platinum Card® from American Express: Perks for VIPs


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Credit Card Applications » Research » Reviews » American Express » The Business Platinum Card® from American Express: Perks for VIPs

The Business Platinum Card® from American Express: Perks for VIPs

Updated: July 8, 2021

The content is accurate at the time of publication and is subject to change.
Business Platinum Card®: Perks for VIPs
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Business Platinum Card® is a high-end business charge card with a high annual fee, but its VIP perks make it well worth the price of admission for the right businessperson. Cardmembers get $200 worth of travel expenses credited back each year. The sign up bonus is 50,000 membership rewards provided they spend $10,000 within first 3 months. The American Express Membership Rewards points will also accrue with every purchase on the card. And they never pay foreign exchange fees. Plus they get access to the American Express 24/7 concierge service – which is like having a personal assistant on-call.
Credit level recommended: Excellent
APR on purchases: 20.49%
Annual fee: $5957
Special offers: 50,000 Membership Reward points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases on the Card within your first 3 months of Card Membership.7 Card members get a $200 annual credit toward incidental travel expenses like baggage check, in-flight meals, and ticket change fees on an airline of their choice.
Airport savings for VIP flyers: $599

Earning rewards:

The points system on this card is pretty basic. Members get 50,000 reward points when spend $10,000 on purchases within first three month. They also get one Membership Reward point per dollar spent and 2 reward points when book travel on Members currently get a 20% rebate of points used when they book travel through Pay with Points on the AmEx Membership Rewards site.

Frequent business traveler schedule with approximate ticket costs and points rewarded

* Annually just for business travel (and you can use them before you earn them!)

Redeeming rewards:

Points can be redeemed through the membership rewards page for travel, cash, merchandise, or gift cards. Travel offers the best redemption value. Points can be transferred between frequent flyer programs, allowing members to use them toward flights on nearly every airline and/or at hundreds of hotels around the world making the American Express Membership Rewards programs one of the most flexible programs available.


The benefits on this card far exceed the $5957 annual fee if you fly frequently for business and appreciate top-flight treatment and a host of benefits. Cardholders get a Priority Pass, which gives them access to over 600 exclusive airport lounges around the world and normally costs $399 per year. They also get free room upgrades and VIP treatment at more than 700 hotels that are part of the AmEx partner network. There is also concierge service, no foreign transaction fees, and no pre-set spending limit. And for local travel, there is roadside assistance. Other benefits include extended warranties and purchase protection.


Business Platinum Card®

Business Platinum Card® Expert Rating:’s experts may evaluate each card presented on to assist you with choosing the right offer. Some of the criteria reviewed include, but not limited to, the following: interest rates, fees, benefits, rewards programs, and customer service. The rating provided next to each offer reflects the experts’ honest opinions, beliefs, and experiences with each product presented on Furthermore, this rating is NOT influenced by any compensation received by any partners listed on
For business owners who travel a lot, spend a lot, and expect a lot, the Platinum Business Charge Card from American Express delivers high-value rewards and a long list of benefits. This card works best for business owners who travel frequently and plan to take full advantage of the travel benefits it offers. If you make frequent international trips, the no-foreign-exchange fees alone adds a lot of value. But if you are not a frequent traveler and/or don’t need the VIP perks this card offers, you might want to consider one of the Spark Business cards from Capital One instead. Their fee is much lower.

Also, remember that this is a charge card, not a credit card. There is no set spending limit, but the balance must be paid in full each month. Balances can’t be carried over each month the way they can with traditional credit cards. If you need that option, but still want to carry American Express, think of applying for the SimplyCash® Plus Business Credit Card, which has no annual fee.

7 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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