200,000 Membership Rewards for one card?! Amex goes for it with the Business Platinum (Now available by phone)


Update 8/31/23: Danny the Deal Guru is reporting that this 200,000K Membership Rewards offer is still available when applying over the phone. In order to check and see if you’re targeted, call the AMEX Small Business team at (855) 531-3491 and ask about which offers are available for the Business Platinum. Oftentimes, they won’t give you the best offer on the first attempt, so don’t be afraid to decline whatever they tell you first and/or specifically mention this 190+10 offer. This call-in offer DOES have lifetime language. Original post follows.

We used to think that a 100,000 points offer was the pinnacle of Amex largesse, but, my-oh-my, have times changed. Amex has now blown the roof off its previous highs with yet another massive targeted offer for the Business Platinum card that also has no lifetime language (NLL). This means that even cardholders who have already had (or currently have) the Business Platinum are eligible for the welcome offer.

This targeted Business Platinum offer is the best points per dollar of spend proposition that we’ve ever seen for the card itself, offering 200,000 Membership Rewards (MR) points for $15,000 spend with an additional 5,000 points for spending $1,000 on an employee card needed.

I thought that we were starting to see these insane targeted offers from Amex begin to peter out. My goodness, was I wrong.

The link below came from a targeted pop-up that appeared on my wife’s account today (she was just approved for a third Business Platinum a couple of months ago). It requires you to log-in first and then click the link to find out if you’re targeted.

The Offer

  • American Express has a new targeted, no lifetime language offer for the Business Platinum card that gives 200,000 Membership Rewards points after $15K spend in the first three months. In addition, adding an employee card and spending $1,000 within the first three months provides an additional 5,000 points.

Click here for the 200,000 Membership Rewards Business Platinum offer  

You must log into your Amex account first, then click the “apply now” link on the pre-approval landing page. 

If, after clicking “apply now,” you see the message below or see a screen with no offer listed, it means you’re not targeted. If you get a pop-up telling you that you are not eligible for the welcome offer, you aren’t.

Key Card Details

Card Name w Details & Review (no offer)
FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.

$695 Annual Fee
Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ⚬ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ⚬ 1X elsewhere ⚬ Terms apply.
Base: 1X (1.55%)
Travel: 5X (7.75%)
Other: 1.5X (2.33%)
Card Type: Amex Pay Over Time Card
Noteworthy perks: Up to $200 a year in statement credits for airline incidental fees (select one qualifying airline and then receive up to $200 in statement credits per calendar year for qualifying charges) ⚬ Up to $400 a year in statement credits for Dell purchases ($200, twice-yearly) ⚬ Up to $120 in wireless services credits per year ($10 per month) ⚬ Up to $360 per year in credit with Indeed (up to $90 per quarter ⚬ Up to $150 per year in purchases with Adobe for annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign ⚬ $100 Global Entry fee reimbursement.⚬ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status. ⚬ $189 CLEAR fee reimbursement annually (cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year when you charge your CLEAR membership to your Business Platinum card) ⚬ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefits

Quick Thoughts

Over the last two years, Amex has been plying us with wave after wave of bigger and better NLL offers for the Business Platinum and Business Gold cards, but this one sets a new ceiling. It’s the first time we’ve seen a 200K MR bonus on one card and the fact that we’re seeing it with no increased spending requirements from the public 120K offer is incredible.

This is obviously a terrific welcome offer if you can use the card and make the spend.  Without even considering the additional perks and credits, this targeted offer will end up being worth around ~$3200 based on our Reasonable Redemption Values for Membership Rewards. For one card. That’s absolute bonkers.

Keep in mind that both the Business Platinum Dell and airline credits reset on the calendar year.  This means that in the first year of card membership, you can get 3x Dell credits and 2x airline incidentals, adding an additional ~$400 in first year value if you only pay the annual fee once. While the various perks and credits on Amex cards can feel a little “coupon booky,” I find it pretty easy to get full advantage of these two and the wireless service credit as well.

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Dane Jensen

My biz is a sole prop and I already have the Amex biz platinum cc. If eligible for the 200k bonus, will Amex let you get a 2nd bonus for the same business name or do you have to apply under a different business name?

Mary Jane

Tim, I believe there is NLL associated with this offer so Dane wouldn’t be eligible, right?


I haven’t signed up for a new credit card in years. Called in. Instantly offered the 200k offer. Get to the last step before hitting my credit, and suddenly I’m not eligible for the signup offer. Never had any Plat or Biz Plat before. Bummer.


Called in, was offered the 190k+10k, but came with LL, so I wasn’t elligible.


What’s LL?


NLL = No Lifetime Limit


Called and got the link for the 190k +10k offer but got the dreaded popup. Never had the business platinum. Have other amex business cards but first charge card. Any thoughts to why I would get the popup?


Success! Called the number this morning and got the 190k + 10K offer. I did not have a Business Platinum before. I was in AMEX pop-up jail back in May. That was for the personal Platinum card though. In any case, thanks Tim for bringing this offer to my attention!


I called in July and got the offer but it absolutely has Lifetime Language and I got the pop up! I’ll call again to see if that’s changed but I even screenshotted the app for reference


I called in and was offered the $120k/$15k spend offer.


The toll-free number listed at beginning of this article goes to Corporate accounts services. Confirming this is the right # to call?


called amex and they sent me an app with the 190+10 offer via email completed with my biz info i provided on the phone. when submitting the app i got this message: Patricia, because you have or have had the Business Platinum Card®, you are not eligible to receive the welcome offer. bummer


Yup it has LL, same for me


called in and CSR wouldnt budge from 150k


called back and pressed “2” to go to apply for new product, first time i pressed “1” which was for existing accounts. i asked the rep what offers are available and he immediately gave 190/10 by email, and then i was instant approved.


Unlikely that anyone would know, but will this be around in December for a triple dip? Maybe something in the link the CSR sends that signifies an expiration date?


CSR link has a 30 day expiry

Larry K

Bummer that can’t get it with NLL. I’ve been hoping for a NLL offer for several months and have a big payment coming up. Looks like the timing is not going to work. I used to get NLL offers all the time, but nothing in a while. I don’t even need 200k — I’d take 150k or even 120k. I like the card.

[…] Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform. Previous article200,000 Membership Rewards for one card?! Amex goes for it with the Business Platinum (Now available… […]


When I called the line the rep asked me if I had the card in the past, and I said yes, and she said that meant I wouldn’t be eligible for the welcome offer. However, she did give me the 190k+10k offer off the bat (i.e., I didn’t have to reject the first offer and ask for a subsequent card). That said the offer I was sent said I “may” be ineligible for the bonus, and when I completed the application I got the dreaded popup.

To be clear I currently have like 4-5 biz plats.


Will Amex match offers? I was approved for a biz plat 150k sub on Sunday


Call or chat to find out


Tim, I have 2 Amex Bus Platinums right now. Thoughts on calling on this one?


Nothing ventured nothing gained. The offer IS there, no question. IF you have a third business….highly likely you’ll get it.


On phone with Amex right now. Yes….190K +10 IS indeed available by phone. No question. Holy timole spicoli


No lifetime language on the phone offer?


I already have an Amex Bness Plat for the particular bness. I got the original six or so years ago. Yes…they did use lifetime language. And….drum roll….was denied. BUT….opportunity is there for others.


No. As soon as I called the first question the rep asked is if I had the card and said I wouldn’t be eligible. I did go through with the application anyway, and got the popup.


I called today and asked “What business card offers do you have available” and they offered this to me immediately. You can either apply by phone or they will email you a link. They sent me a link, and the application did NOT have lifetime language. However, after I filled out the form and clicked Apply I got a popup saying “You’ve had this card before and won’t get the bonus”. So yes, this offer does have lifetime language despite not having any on the application page.


This is a big bummer!


Mine said in the offer terms that I “may” not get the bonus, and then I too got the popup

Tyler C

Does this offer have lifetime language?



Fat Tony

Looks like this offer just died recently.


Pre-Covid how common were these NLL offers on the biz plat card?


They weren’t


Got the 200k offer for anothet business Platinum plus business Checking with 15k spend and some hoops for the checking.

Approved !!

Amazing. #5.


Is it possible to keep one page with all the possible offers for the biz platinum card? This 200k offer does not appear to be mentioned on the best offers page. The best offers page includes the public offer, but then also links to a different (lower) targeted offer but it’s not this one. So right now you are having to look on at least three pages to check the different offers. Would be great to combine to one page


I second this.
Would be really nice to have one place to come and see all the known offers for a particular card (and if you could gave historical data as well that would be even better)


Tim, I could not get the $200K to work. But I have a referral offer of 150K (plus referee gets $25K). However, the following wording is different from my usual:

“Welcome offer(s) may not be available to applicants who have or have had this Card or previous versions of this Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your offer eligibility. If an offer is not available to you, we will notify you prior to processing your application so you have the option to withdraw your application.”

If I apply and get rejected that should be fine. If I apply and I am approved, does that mean I will definitely get the $150K?


If you don’t get a pop-up you will get the bonus


I received the 200K offer in my Biz Blue Amex Offers page in the mobile app. I applied and was approved. A week later the 200K offer is still in the app, can I apply again? I’ve also received 150K offer in the mail.


You have to wait at least 90 days


I can get to a second page (when logged in as my husband but not as myself) but it says “your application must be received by 5/15/23 to be eligible…” and when I continue with the application it says it’s expired.


It’s a good offer, but seems kind of redundant if you already have a personal amex plat. Sure, the points are valuable, but it’d be a complete churn at that point — I don’t think there’s any value to harvest for the annual fee.


I mean, yeah. The extras more or less cover the annual fee (12-14 $10 Wireless credit, 2-3 $200 airline credits, 3-5 $200 dell credits). So the points are what turns this from a “break even” to a great deal.
People have been getting multiple signup bonuses, and those 200K points are worth a LOT.

[…] rush hey? Anyway, even I could not resist going for this now that it went up to 200,000 points wow! 200,000 Membership Rewards for one card?! Amex goes for it with the Business Platinum (targeted). Sadly, it did not work but I will try again over the weekend using different browsers and […]


I was able to get the offer for P2 in incognito mode on Google Chrome desktop. Hopefully it’s still available in a couple of months when tuition payments are due.


What if you do not currently have an American Express account? How can you find out if you qualify to receive the targeted offer? Do you need to open a business checking account?

Frequent Miler Superfan

Is this card valuable for people who don’t travel internationally?


I’m eligible but there’s no way I can meet the spend… But I’ll see if my sister in law is eligible, she’s building a house and racking up the points right now


you could just give her your card…




I would but I’ve gotten her hooked on this game too… I can’t take points away from her


why is “Robert” replying on behalf of “Matt”? could they be the same person? 😛


Tried three different accounts on two different browsers… all of them say preapproved, then when I login, it says the offer is expired.


I think that is what the person above has done. I just tried it and then when I click on “Apply Now” it says the offer has expired.


I got an offer for 250K in the mail, but I thew it away thinking you couldn’t have more than 1 open at a time. Dangit.

Carmelita Harley
Carmelita Harley

I would’ve went dumpster diving!


This is probably a really dumb question but where do I click once in my account to see if I’m targeted?

Jim Bob

open your account in one tab and then click the link above in a second tab. It will know that you are signed in.


If I currently have an active Amex business platinum card, is it possible to apply for this and have two business platinum cards?


You can have multiples at the same time. I currently have 3 open. I think it is ~90 days between approvals, so if you have applied before Feb 25 you should probably be fine to try again. I am kind of unfortunate that my current card was opened at the beginning of April on a 150K offer, but this 200K offer is not showing for me anyway.


Awesome, thanks for the data point!

[…] Frequent Miler just highlighted a great targeted offer with ( no lifetime limit language ) for the American Express Business Platinum. The offer is 200k membership rewards after $15k spend in 3 months. You need to check to see if you’re targeted by logging in, which you can do here , but I would add that Amex is known to clawback points and even freeze accounts if they think you’re manipulating the system. […]

Big Ern Mckracken

R.I.P. Tina Turner and the Amex 200k offer


It shows expired when I log in and follow the link.

Say Tim, unless I’ve missed it nobody at FM has covered the Plastiq bankruptcy. Any thoughts?


Same. Using the link after logging in it says “Congratulations you are preapproved” but hit the Apply button = ‘We are sorry. This offer is no longer available”. message


Tried incognito and different P2 Amex login. Same thing.


To me the pinnacle was the one I got last year for 150K points + 10x on dining up to $25K. Happened to coincide with several large corporate dinners I charged and got over 400K points as bonuses in 6 months.


Like a boss, yo!! 🙂


Definitely a good offer, but not the best. The best one ever was the 125k + 15x on restaurants/shop small on the Amex plat. That gave 500k points in a little under 6 months.


How long do these offers typically last? I’m very enticed but need to plan ahead to meet the 15K requirement. Can I wait a month? 2 months?

Biggie F

Apparently not. Like the other posters, above, my promising eligibility page crumbled to dust as soon as I tried to apply.

For other offers, there is often an end date. I don’t see one on this one, which is probably a tell.