Note: American Express is a Frequent Miler advertiser, but we always show the best public offer even when we don't earn a commission. Please see our Advertiser Disclosure.
| Card Details and Application Link |
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The Business Platinum Card® from American Express ![](http://cdn.nextinsure.com/imaging/opt/19ca7b53-f41c-4639-ba3b-c44c7c44ba6f.png?w=300" alt="The Business Platinum Card® from American Express" />) ⓘ $1838 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $150 Dell credit valued at $37.5, $600 Fine Hotels & Resorts credit valued at $300 Click to learn about first year value estimates 200K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Elevated Welcome Offer: Earn 200,000 Membership Rewards(R) points after you spend $20,000 in eligible purchases on the Business Platinum Card(R) within the first 3 months of Card Membership. Terms apply. (Rates & Fees)$895 Annual Fee Click here to learn how to apply This is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 250K after $20K spend expired 2/10/25 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. Click here for our complete card review Earning rate: Earn 5X flights & prepaid hotels booked at AmexTravel.com. ✦ 2X points per dollar (on up to $2 million of those purchases per year) for each eligible purchase of $5000 or more, US construction/hardware stores, US software & cloud system providers, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply. Card Info: Amex Pay Over Time Card issued by American Express. This card has no foreign currency conversion fees. Big spend bonus: Spend $250k+ on eligible purchases in a calendar year, get up to $1,200 in statement credits to use in the next calendar year on flights booked on AmexTravel.com, and up to $2,400 in statement credits for use in the next calendar year on monthly fees for American Express One AP®. Noteworthy perks: Select one qualifying airline and receive up to $200 in statement credits per calendar year for qualifying charges ✦ Up to $600 prepaid hotel credit semi-annually ($300 Jan - June and July - Dec) valid on Fine Hotels + Resorts and The Hotel Collection bookings ✦ Up to $1,150 a year in statement credits for Dell purchases ($150 + $1,000 when spending $5,000 in a calendar year) ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Up to $120 in wireless services credits per year ($10 per month) ✦ Global Entry statement credit every 4 years ($120) or TSA PreCheck statement credit every 4.5 years ✦ Global Lounge Access benefits: Priority Pass membership (Lounges only) with 2 guests, Centurion Lounge access. Also, Delta Sky Club® access (when flying an eligible Delta flight): 10 visits per year February 1 until January 31 of the next calendar year (after 10 visits have been used, additional visits can be purchased for $50 each or earn unlimited visits after spending $75K/calendar year on the card). Access limited to eligible card members ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Gold status. ✦ Leading Hotels of the World Sterling status ✦ $209 CLEAR® fee reimbursement annually ✦ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline. ✦ $250 statement credit when spending $600+ on U.S. purchases with Adobe per calendar year ✦ Enrollment required for select benefits See also: Amex Platinum Guide |
The American Express Business Platinum card comes loaded with high-end perks: hundreds of dollars per year in various credit reimbursements, access to multiple types of airport lounges, hotel and car elite status, and much more. All of this goodness comes at a steep price, however: an annual fee of $895
Annual Fees
Primary user
- $895/year
Authorized users
- $400 per year for each Business Platinum employee card
It is possible to add authorized users for free by giving them Business Green cards instead of Business Platinum cards. In this case, however, the authorized users get very few perks. If you want your authorized users to get lounge access and other top-end perks, they will need authorized user Business Platinum cards.
Amex Business Platinum Perks
Access to high-end perks is the reason to hold a Business Platinum card.
Perks for all Platinum cards
The following perks apply to all Platinum cards:
| Flight & Airport Benefits | Benefit Description |
|---|---|
| 5X through American Express Travel® | Earn 5X points for prepaid hotel and airline bookings via American Express Travel® |
| $200 airline fee credit | Registration required. Amex will automatically reimburse up to $200 per calendar year for airline fees for your selected airline only. Eligible fees include: baggage fees, flight-change fees, in-flight food and beverage purchases, and airport lounge day passes. For tips on using this benefit, please see: Amex airline fee reimbursements. What still works? |
| International Airline Program | Save money when booking select premium cabin international flights originating in the US or Canada. This benefit is also available to Platinum authorized users. |
| Airport Lounge Access: Centurion Lounges | The cardholder is allowed free entry. Guests are charged $50 per adult, or $30 per child aged 2 through 17. After $75K of eligible spend in a calendar year, the cardholder is permitted 2 complimentary guests per visit. This benefit is also available to Platinum authorized users. |
| Airport Lounge Access: Airspace Lounges, Escape Lounges, Plaza Premium Lounges | Cardholder plus two guests are allowed free entry. This benefit is also available to Platinum authorized users. |
| Airport Lounge Access: Delta Sky Clubs | Cardholder is allowed 10 Sky Club visit-days per year. After $75K of eligible spend in a calendar year, the cardholder is permitted unlimited visits through the end of the following calendar year. This benefit is also available to Platinum authorized users. |
| Airport Lounge Access: Priority Pass Lounges | Registration is required to obtain your Priority Pass card. Member plus 2 guests are allowed free entry. This version of Priority Pass does not cover Priority Pass restaurants. This benefit is also available to Platinum authorized users. |
| Airport Lounge Access: select Lufthansa Lounges | Free access to Lufthansa Business Lounges (with confirmed ticket) or to Senator Lounges (with Business Class ticket) in the satellite building of Terminal 2 at Munich Airport and in Terminal 1, Departure Area B, at Frankfurt Airport. Valid only when flying Lufthansa, SWISS or Austrian Airlines. This benefit is also available to Platinum authorized users. |
| CLEAR® Plus credit | Get up to $209 per year reimbursed for CLEAR® Plus subscriptions. See also: 5 ways to get CLEAR® Plus for less. |
| Global Entry or TSA Pre fee credit | Get reimbursed for the cost of Global Entry or TSA Pre once every 5 years. This benefit is also available to authorized users. |
| Hotel Benefits | Benefit Description |
| Fine Hotels & Resorts | Book high-end hotels through Amex Fine Hotels & Resorts and get: room upgrade, daily breakfast for 2, 4 pm late checkout, noon check-in, free wifi, and a unique property amenity. Also: Earn 5X Membership Rewards for prepaid bookings. This benefit is also available to Platinum authorized users. |
| $600 Hotel Credit | Up to $300 back in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through Amex Travel™. The Hotel Collection bookings require stays of 2 nights or longer. |
| Hilton Honors Gold Status | Registration required. Hilton Gold members receive food & beverage waivers or free breakfast, room upgrades when available, and other perks at Hilton hotels. This benefit is also available to authorized users. |
| Marriott Gold status | Enrollment required. Gold members receive a welcome gift (bonus points) with each stay, room upgrades when available, 2 pm late checkout, and other perks (details here). This benefit is also available to authorized users. |
| Leading Hotels of the World (LHW) Sterling Status | Enrollment required. Enroll to get Leaders Club Sterling Status from The Leading Hotels of the World® |
| Other Travel Benefits | Benefit Description |
| Emergency Medical Transportation Assistance | Call the Premium Global Assist Hotline: 1-800-333-Amex (toll free), or 1-715-343-7977 (direct-dial collect). This benefit is also available to Platinum authorized users. |
| National Car Rental Executive status | Registration required (Enroll here). Book midsize cars and select any car from the Executive Aisle for no extra charge. This benefit is also available to Platinum authorized users. |
| Hertz Rental Car Privileges | Registration required (Details and enrollment form found here). Privileges include President's Circle Status, discounts, plus a four-hour grace period for rental car returns. This benefit is also available to Platinum authorized users. |
| Avis Preferred status | Registration required (Details and enrollment form found here). Preferred status offers priority service at the counter, discounts, and a one-car class upgrade for groups C-E (Intermediate, Standard, and Full size). This benefit is also available to Platinum authorized users. |
| Cruise Benefits | Pay for your cruise with your Platinum card and receive $100 to $300 per stateroom shipboard credit plus additional amenities unique to each cruise line. This benefit is also available to Platinum authorized users. |
| Miscellaneous Other Benefits | Benefit Description |
| Cell Phone Protection | No need to enroll. Pay your cell phone bill with your Platinum card. Max $800 per claim, $50 deductible. This benefit is also available to Platinum authorized users. |
Perks for Business Platinum cards only
The following perks apply only to Business Platinum cards:
| Benefit | Benefit Description |
|---|---|
| 2X Membership Rewards® | Earn 2X Membership Rewards® points on eligible purchases in key business categories, as well as on eligible purchases of $5,000 or more. Details: Earn 2X on up to two million dollars of eligible purchases per calendar year, made in any of the following categories: (1) U.S. construction material and hardware suppliers, (2) U.S. electronic goods retailers and software & cloud system providers, (3) at U.S. shipping providers, or (4) eligible purchases of $5,000 or more. |
| 35% Airline Bonus | Get 35% points back after using Pay with Points for flights booked through Amex Travel with your selected airline, up to 1,000,000 points back per calendar year. |
| Redeem points for 1 cent per point | Requires an American Express business checking account. |
| $120 Wireless Credits | Enrollment required. Earn up to $10 back per month when you use your card to pay for wireless telephone service. |
| $200 Hilton Credits | Enrollment required. Earn up to $50 back per quarter when you use your card directly with a Hilton property. |
| $1,150 in Dell Credits | Enrollment required. Earn up to $150 in credits each calendar year for all purchases at Dell.com, plus an additional $1,000 back when spending $5,000 in a calendar year. |
| $360 Indeed Credit | Enrollment required. Earn up to $90 back per quarter for purchases with Indeed |
| $250 Adobe Credit | Enrollment required. Earn up to $250 back per year on $600+ of U.S. purchases with Adobe |
| $1,200 Flight Credit | After spending $250,000 on eligible purchases in a calendar year, unlock up to $1,200 in statement credits for use in the next calendar year on flights booked on AmexTravel.com. |
| $2,400 One AP® Statement Credit | After spending $250,000 on eligible purchases in a calendar year, unlock up to $2,400 in statement credits for use in the next calendar year on monthly fees for American Express One AP®, American Express’ digital accounts payable product that automates supplier payments on one platform. |
Amex Business Platinum Application Tips
Amex Application Tips
Check application status here. |
Should you apply?
Business Platinum card welcome offers are usually worth considerably more than the card’s annual fee. So, as long as you can make use of some of the card’s perks, and as long as you can meet the offer’s minimum spend requirements, it can make sense to apply for the card and keep it for at least one year (assuming that you can get approved). You can always cancel (or downgrade to a less expensive card) once the annual fee comes due in year 2 so as to avoid paying for the second year.
Are you eligible?
Applying for Business Credit Cards: You must have a business to apply, but even a simple sole proprietorship will work. It's likely that you have a business even if you don't realize it.
When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
More:
You must have a business (but you probably do): In order to apply for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.
Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
Application status
After you apply, call (877) 239-3491 to check your application status or use this link.
Amex Platinum reconsideration
If denied, call reconsideration: 877-399-3083 (new account holders) or 866-314-0237 (current account holders).
How to Earn Membership Rewards Points
Credit card welcome offers
The easiest and quickest way to earn Membership Rewards points is through Amex credit card welcome bonuses.
Most Amex welcome offers stipulate that you can’t get the bonus if you’ve ever had that card before. However, targeted offers sometimes do not have that once-per-lifetime language. In those cases, you can get the bonus even if you’ve had the card before. See: 8 ways to get the best targeted Amex welcome bonus offers.
Below are the Amex cards with the best current and public Membership Rewards welcome offers.
| Card Offer |
|---|
 ⓘ $2692 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels & Resorts credit valued at $300, $300 Digital Entertainment credit ($25 per month) valued at $150, $300 Lululemon credit ($75 per quarter) valued at $150, 400 Resy credit ($100 per quarter) valued at $85, $120 Uber One credit ($10 per month) valued at $48 Click to learn about first year value estimates As high as 175K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 175K points after $8K spend in 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees$895 Annual Fee Recent better offer: 175K points after $8K spend in 6 months. 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. |
 ⓘ $2142 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels & Resorts credit valued at $300, $300 Digital Entertainment credit ($25 per month) valued at $150, $300 Lululemon credit ($75 per quarter) valued at $150, $250 airline incidental fee credit valued at $225, $120 Uber One credit ($10 per month) valued at $48, 400 Resy credit ($100 per quarter) valued at $85 Click to learn about first year value estimates 12K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 125K after $8K spend in first 6 months. Terms apply. (Offer Expires 11/12/2025)$895 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 150K after $8k spend in the first 6 months. (Expired 6/11/25) FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply. |
 ⓘ $1917 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels & Resorts credit valued at $300, $300 Digital Entertainment credit ($25 per month) valued at $150, 400 Resy credit ($100 per quarter) valued at $85, $120 Uber One credit ($10 per month) valued at $48, $300 Lululemon credit ($75 per quarter) valued at $150 Click to learn about first year value estimates 125K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 125K after $8K spend in first 6 months. Terms apply. (Offer Expires 11/12/2025)$895 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K points after $8K spend [Expired 6/12/25] |
ⓘ $1838 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $150 Dell credit valued at $37.5, $600 Fine Hotels & Resorts credit valued at $300 Click to learn about first year value estimates 200K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Elevated Welcome Offer: Earn 200,000 Membership Rewards(R) points after you spend $20,000 in eligible purchases on the Business Platinum Card(R) within the first 3 months of Card Membership. Terms apply. (Rates & Fees)$895 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 250K after $20K spend expired 2/10/25 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. Click here for our complete card review |
 ⓘ $1307 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60 Click to learn about first year value estimates As high as 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 100K points after $6K spend in 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees$325 Annual Fee Alternate Offer: Referral Offer - 90K points after spending $6,000 in 6 months Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee. |
![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />) ⓘ $943 1st Yr Value EstimateClick to learn about first year value estimates 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K points after $15K spend in 3 months. Terms apply. (Rates & Fees)$375 Annual Fee Recent better offer: 200K after $15K spend expired 2/10/25 FM Mini Review: This card may be a keeper for those who use the monthly credits, but keep only if you also make good use of one or two 4X categories. Click here for our complete card review |
 ⓘ $424 1st Yr Value EstimateClick to learn about first year value estimates 40K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees$150 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23] FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR credit. Also note that Amex cards continue to have limited acceptance in many international destinations. Click here for our complete card review |
![](http://cdn.nextinsure.com/imaging/opt/72cb8f35-39c3-4925-9965-6f0db8d5f6c7.jpg?w=300" alt="The Blue Business® Plus Credit Card from American Express" />) ⓘ $233 1st Yr Value EstimateClick to learn about first year value estimates 15K points + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15k points after $3k in eligible purchases within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.24% - 27.24%,, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual Fee Alternate Offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months. FM Mini Review: 2X rewards for all eligible purchases (up to $50K per year) with no annual fee makes this card a winner. Click here for our complete card review |
![](http://cdn.nextinsure.com/imaging/opt/57495ed9-6f4e-4919-9a83-ae2ec251f236.png?w=300" alt="Business Green Rewards Card from American Express" />) ⓘ $91 1st Yr Value EstimateClick to learn about first year value estimates 15K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15K points after $3K spend within first 3 months of card membership. Terms & limitations apply. (Rates & Fees)$95 Annual Fee |
Credit card upgrade offers
Amex frequently offers bonus points for upgrading from one card to another. For example, we’ve seen 120,000-point offers for upgrading from the Business Gold or Business Green cards to the Business Platinum card. Even better, these upgrade offers often do not have the once-per-lifetime language associated with them. That is, if you are targeted for an upgrade offer, you may be able to earn the bonus points even if you’ve had the card before. It is best to accept these offers only after you have earned a signup bonus for the higher-end card.
One strategy to try with Business Platinum cards is to downgrade to the lower-priced Business Green card when your second-year annual fee comes due. Then wait and hope to get an upgrade offer to go back to Platinum.
Credit card category bonuses
The next best way to earn Membership Rewards points is by using the best card for each category of spend. If you spend a lot personally or through your business on any of the categories below, you can do very well. Particularly noteworthy is the no-annual-fee Blue Business Plus Credit Card, which offers 2 points per dollar for all eligible spend, up to $50K spend per calendar year (then 1X thereafter). That’s fantastic.
| Spend Category | Best Options |
|---|---|
| US Supermarkets |
American Express Gold 4X (up to $25K per year, then 1X) EveryDay Preferred Up to 4.5X* (max $6K per year) |
| US Gas Stations |
Business Gold Up to 4X** EveryDay Preferred Up to 3X* |
| Restaurants | American Express Gold 4X American Express Green 3X Business Gold Rewards Up to 4X** |
| Travel (Broadly Defined) | American Express Green 3X |
| Flights |
Platinum consumer cards 5X Business Platinum (via Amex Travel) 5X Business Gold Up to 4X** American Express Gold 3X American Express Green 3X |
| Prepaid Hotels |
Platinum cards (via Amex Travel) 5X American Express Green 3X |
| Select Car Rental Companies | American Express Green 3X Morgan Stanley Credit Card 2X |
| US Wireless Services | Business Gold Up to 4X** |
| US Advertising in select media | Business Gold Up to 4X** |
| US Computer related purchases |
Business Gold Up to 4X** |
| Everywhere else | Blue Business Plus 2X EveryDay Preferred 1.5X* |
* The Amex EveryDay Preferred card earns a 50% bonus every billing period in which the card is used for 30 or more transactions. Before the 50% bonus, the card has the following bonus categories: 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. After the 50% bonus, it offers: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x); 3x points at US gas stations; 1.5x points on other purchases.
** The Business Gold Card offers 4X on the two categories where your business spends the most each billing cycle, from the following categories: ⚬ US purchases at restaurants ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ⚬ U.S. purchases made from electronic goods retailers and software & cloud system providers ⚬ Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.
Credit card referrals
Another great way to earn Membership Rewards points is by referring friends and relatives. In some cases, referral bonuses are really big. However, if you want to keep your friends, then make sure that the offer they get is as good as the best available public offer (compare to our Best Offers page).
Log in to your account to check for any special referral offers.
Note that this option is especially powerful since you can now refer friends to other cards — even to cards you do not have. See this post for full details: Maximizing value from Amex multi-referrals.
Amex Offers
Amex Offers are usually best for saving cash. But, sometimes Amex Offers provide terrific opportunities for point earning instead. One (now expired) example was an offer for Reebok: Spend $75 or more, get 1,500 Membership Rewards points. And one for Hugo Boss: Spend $250 or more, get 5,000 points.
Sometimes, Amex Offers are longer-term and act more like a new category bonus. For example, you’ll often see offers to earn 2X rewards at various merchants.
Log in to your account and check the section titled “Amex Offers and Benefits” to look for offers like these.
Other options to earn Membership Rewards
FX International Payments
Amex offers businesses the ability to earn 1 Membership Rewards point per $30 of foreign wire payments (max 4,000 points per transaction). Even better, you may receive a welcome bonus offer like the one shown above (keep an eye out for this in your mailbox or email!).
Where to Redeem Membership Rewards Points
In general, Membership Rewards points are worth up to 1 cent each when redeemed for merchandise or gift cards. Fortunately, there are three ways in which it is possible to get more value: redeem points for flights, transfer points to hotel or airline partners, or invest rewards. More on each below…
Redeem points for travel
Those with Amex Platinum cards automatically get 1 cent per point value when redeeming points for travel. That's not particularly good, but it's much better than the value that people get without an Amex Platinum card. Currently, the only way to get better than 1 cent per point value when redeeming points for travel is with the Business Platinum Card.
The Business Platinum Card offers a 35% Airline Bonus: Get 35% of your points back when you redeem points through Amex Travel for any flights with your selected airline. After you receive the 35% rebate, the value works out to 1.54 cents per point. That's very good, but it does require owning this ultra-premium card.
The Business Platinum Card offers a 35% Airline Bonus: Get 35% of your points back when you redeem points through Amex Travel for any flights with your selected airline. After you receive the 35% rebate, the value works out to 1.54 cents per point. That's very good, but it does require owning this ultra-premium card.
Transfer points to travel partners
The best use of Membership Rewards points, in my opinion, is to transfer points to airline and hotel partners in order to book high-value awards. Your best bet is usually to wait until you find a great flight or night award before transferring points. One exception: Amex often offers 30% or higher transfer bonuses to certain programs (Virgin Atlantic and British Airways are two recent examples). If you’re confident that you’ll use the points for good value, it may make sense to transfer points when those bonuses are in effect.
For specific examples of great ways to use points transferred to airline miles, please see: Amex Membership Rewards sweet spots.
Current Amex transfer bonuses
Here are the currently available transfer bonuses from Amex Membership Rewards (this table will update automatically when new offers are found):
| Transfer Bonus Details | Start Date | End Date |
|---|---|---|
| 25% transfer bonus from Amex Membership Rewards to Hilton (1000:2500) | 09/02/25 | 09/23/25 |
Points can be transferred to the loyalty accounts of the primary cardholder or any authorized user or employee on the account.
Amex transfer partners
It is free to transfer Membership Rewards points to foreign airlines. For transfers to US airlines, however, Amex charges an “excise tax offset fee” of $0.0006 per point (with a maximum fee of $99). Airlines subject to this fee are noted below.
| Rewards Program | Amex Transfer Ratio | Best Uses |
|---|---|---|
| Aer Lingus Avios | 1 to 1 | Fuel surcharges are sometimes lower when booking with Aer Lingus rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| AeroMexico ClubPremier | 1 to 1.6 | AeroMexico is a SkyTeam partner. Club Premier points can be used to book flights on AeroMexico, SkyTeam alliance members (such as Delta or Korean Air), or on select partner airlines. Unfortunately many have reported that awards are extremely difficult to book through AeroMexico so we do not recommend transferring points to this program. If you want to fly AeroMexico, look to transfer points to another SkyTeam partner (such as Air France) and then book AeroMexico with that program. |
| Air Canada Aeroplan | 1 to 1 | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | 1 to 1 | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. |
| ANA Mileage Club | 1 to 1 | Redeem for Star Alliance flights. Multiple stopovers allowed. ANA offers many great sweet-spot awards, including flying around the world in business class for as few as 115K miles! See also: ANA - a terrific Membership Rewards gem. |
| Avianca LifeMiles | 1 to 1 | Avianca LifeMiles can be decent for Star Alliance awards. They offer reasonable-ish prices and no fuel surcharges on awards. Best of all, their mixed-cabin pricing can lead to fantastic first-class award prices. See this post for details. |
| British Airways Avios | 1 to 1 | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can often be had in redeeming BA points for short distance flights outside the US. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Cathay Pacific Asia Miles | 1 to 1 | Cathay Pacific has a decent distance based award chart, but they don't allow stopovers longer than 24 hours. Cathay Pacific Asia Miles can be a good option for booking American Airlines flights with a distance based award chart, especially if other OneWorld Alliance miles aren't available. For long distance flights, it is possible to reduce the cost of a premium cabin award by adding on a lower cabin segment. See this post for details. |
| Choice | 1 to 1 | Choice Privileges points seem to be randomly valuable within the US, but dependably valuable internationally in expensive locations such as Scandinavia and Japan. Points can sometimes offer great value when used towards participating Preferred Hotels of the World. |
| Delta SkyMiles | 1 to 1 plus excise tax | Delta no longer charges change or cancellation fees on awards originating in North America. Flash award sales and flights to/from locations other than the U.S. or Canada can offer great value. See: Best uses for Delta miles. |
| Emirates Skywards | 1000 to 800 | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be extremely steep. One workaround is to book select routes such as JFK to Milan or Newark to Athens. See: How to find and book Emirates first class awards. |
| Etihad Guest | 1 to 1 | Etihad offers a distance based award chart for flying Etihad and another for its partners. Points may offer good value for expensive but short-distance flights. |
| Finnair Plus+ | 1 to 1 via BA | Finnair points are now "Avios" and points can be moved to/from other Avios programs. Finnair uses zone based award charts rather than distance based. As a result, Finnair sometimes has better (and sometimes worse) pricing than other Avios programs. |
| Hilton | 1 to 2 | 5th Night Free awards. Best value is usually found with very low end or very high end Hilton hotels. Bonus: award nights are not subject to resort fees. Note that Hilton points often go on sale for half a cent each and so its rare for point transfers to Hilton to be a good value. |
| Iberia Avios | 1 to 1 | On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| JetBlue | 250 to 200 plus excise tax | JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards. |
| Marriott Bonvoy | 1 to 1 | 5th Night Free awards. Opportunities to get outsized value exist but can be hard to find. |
| Qantas Frequent Flyer | 1 to 1 | Best use is probably for flights on El Al with no fuel surcharges. Also useful for short AA flights. Qantas offers distance based award charts similar to Cathay Pacific. Both are OneWorld Alliance members. I recommend comparing award prices across both programs before transferring to either. Qantas offers round the world business class awards for only 280,000 points (but with many restrictions) |
| Qatar Privilege Club Avios | 1 to 1 | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios. |
| Singapore Airlines KrisFlyer | 1 to 1 | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| Virgin Atlantic Flying Club | 1 to 1 | Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
Cash back
You can cash out the points that you earn with the Business Platinum card at 1 cent each, but you need an Amex Business Checking account to do it.
Other options for redeeming Membership Rewards
You can also redeem points for gift cards or merchandise. At most, with this approach, you’ll get 1 cent per point value, but usually, you’ll get quite a bit less.
You can also use points to pay some merchants directly (Amazon.com, for example). Don’t do this. These options offer very poor value. Further, they may compromise the security of your account (i.e., if someone hacks into your Amazon account, they might spend your Ultimate Rewards points – causing you a headache in getting your points reinstated).
Managing Membership Rewards Points
Combine Points
Amex automatically pools all of your points together. When you earn points with different cards, the point total shown when viewing either card is the total across cards.Share Points
Unlike Chase and Citibank, Amex doesn’t allow members to move points from one person’s account to another. That said, it is possible to transfer one person’s points to another person’s loyalty program account. The key is that the person who receives the points must be an authorized user or employee on the other person’s account. For example, my wife can transfer Membership Rewards points to my Virgin Atlantic account as long as I’m an authorized user (or employee) on any of her Membership Rewards cards.An authorized user card must be active for 90 days before it will unlock the ability to transfer your points to the authorized user’s loyalty program account.
How to Keep Points Alive
Thankfully, it is very easy to keep Amex Membership Rewards points alive. Simply keep any Membership Rewards card open. For example, if you are about to close your one and only Membership Rewards card, then open another Membership Rewards card account first in order to preserve your points. Amex offers some no-fee Membership Rewards cards, such as the Blue Business Plus and the Amex Everyday, so this shouldn't be much of a burden.Amex Business Platinum: Should I Keep or Cancel?
Deciding whether to keep or cancel Amex Business Platinum cards can be a tough decision. Given the card’s very high annual fee, it’s a significant investment to keep the card year after year. If you make good use of the card’s perks, though, it can be worth it. The Platinum card gives you access to an impressive group of lounges that includes Amex Centurion Lounges and Escape Lounges, both of which are arguably the best domestic airport lounges in the US.
Summary of All Amex Platinum Cards
Here’s summary information about each currently available Amex Platinum card variation. Click through any of the links for more details:
| Card Offer and Details |
|---|
ⓘ $1838 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $150 Dell credit valued at $37.5, $600 Fine Hotels & Resorts credit valued at $300 Click to learn about first year value estimates 200K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Elevated Welcome Offer: Earn 200,000 Membership Rewards(R) points after you spend $20,000 in eligible purchases on the Business Platinum Card(R) within the first 3 months of Card Membership. Terms apply. (Rates & Fees)$895 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 250K after $20K spend expired 2/10/25 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. Click here for our complete card review Earning rate: Earn 5X flights & prepaid hotels booked at AmexTravel.com. ✦ 2X points per dollar (on up to $2 million of those purchases per year) for each eligible purchase of $5000 or more, US construction/hardware stores, US software & cloud system providers, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply. Card Info: Amex Pay Over Time Card issued by American Express. This card has no foreign currency conversion fees. Big spend bonus: Spend $250k+ on eligible purchases in a calendar year, get up to $1,200 in statement credits to use in the next calendar year on flights booked on AmexTravel.com, and up to $2,400 in statement credits for use in the next calendar year on monthly fees for American Express One AP®. Noteworthy perks: Select one qualifying airline and receive up to $200 in statement credits per calendar year for qualifying charges ✦ Up to $600 prepaid hotel credit semi-annually ($300 Jan - June and July - Dec) valid on Fine Hotels + Resorts and The Hotel Collection bookings ✦ Up to $1,150 a year in statement credits for Dell purchases ($150 + $1,000 when spending $5,000 in a calendar year) ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Up to $120 in wireless services credits per year ($10 per month) ✦ Global Entry statement credit every 4 years ($120) or TSA PreCheck statement credit every 4.5 years ✦ Global Lounge Access benefits: Priority Pass membership (Lounges only) with 2 guests, Centurion Lounge access. Also, Delta Sky Club® access (when flying an eligible Delta flight): 10 visits per year February 1 until January 31 of the next calendar year (after 10 visits have been used, additional visits can be purchased for $50 each or earn unlimited visits after spending $75K/calendar year on the card). Access limited to eligible card members ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Gold status. ✦ Leading Hotels of the World Sterling status ✦ $209 CLEAR® fee reimbursement annually ✦ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline. ✦ $250 statement credit when spending $600+ on U.S. purchases with Adobe per calendar year ✦ Enrollment required for select benefits See also: Amex Platinum Guide |
ⓘ $2692 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels & Resorts credit valued at $300, $300 Digital Entertainment credit ($25 per month) valued at $150, $300 Lululemon credit ($75 per quarter) valued at $150, 400 Resy credit ($100 per quarter) valued at $85, $120 Uber One credit ($10 per month) valued at $48 Click to learn about first year value estimates As high as 175K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 175K points after $8K spend in 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees$895 Annual Fee Recent better offer: 175K points after $8K spend in 6 months. 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. Earning rate: 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X points for prepaid hotels booked through American Express Travel Card Info: Amex Pay Over Time Card issued by American Express. This card has no foreign currency conversion fees. Noteworthy perks: Up to $200 a year in statement credits for incidental fees at one qualifying airline per calendar year ✦ Up to $600 prepaid hotel credits semi-annually ($300 Jan - June and July - Dec) valid on Fine Hotels + Resorts and The Hotel Collection bookings ✦ Up to $100 per calendar quarter in statement credits on eligible purchases with U.S. Resy restaurants ✦ Up to $25 per month rebate for Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium and/or YouTube TV ✦ Up to $120 Global Entry/TSA Precheck fee reimbursement ✦ $15 monthly Uber or Uber Eats credit ($20 in December, use it or lose it each month) ✦ Up to $120 in statement credits each calendar year towards an auto-renewing US Uber One membership ✦ Up to $300 in annual credits for eligible US purchases at lululemon stores or luiulemon.com (up to $75 quarterly) ✦ $209 CLEAR (R) Plus fee credit per calendar year ✦ Up to $12.95 (+tax) monthly credit for Walmart+ monthly membership subscription credit when you pay with Platinum card. Plus UPS not eligible.✦ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually) ✦ Up to $200 back each calendar year in statement credits when purchasing an Oura Ring through Ouraring.com ✦ Global Lounge Access benefits: Priority Pass membership (Lounges only) with 2 guests, Centurion Lounge access. Also, Delta Sky Club® access (when flying an eligible Delta flight): 10 visits per year February 1 until January 31 of the next calendar year (after 10 visits have been used, additional visits can be purchased for $50 each or earn unlimited visits after spending $75K/calendar year on the card). Access limited to eligible card members ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Honors Gold status ✦ Leading Hotels of the World Sterling Status ✦ Enrollment required for some benefits. Terms Apply. See also: Amex Platinum Guide |
ⓘ $2142 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels & Resorts credit valued at $300, $300 Digital Entertainment credit ($25 per month) valued at $150, $300 Lululemon credit ($75 per quarter) valued at $150, $250 airline incidental fee credit valued at $225, $120 Uber One credit ($10 per month) valued at $48, 400 Resy credit ($100 per quarter) valued at $85 Click to learn about first year value estimates 12K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 125K after $8K spend in first 6 months. Terms apply. (Offer Expires 11/12/2025)$895 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 150K after $8k spend in the first 6 months. (Expired 6/11/25) FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply. Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X prepaid hotels booked with American Express Travel Card Info: Amex Pay Over Time Card issued by American Express. This card has no foreign currency conversion fees. Big spend bonus: $500 after $100K cardmember year spend Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ 1 Free Authorized User ✦ Redeem points for 1 cent each into your Morgage Stanley account ✦ $695 Annual Engagement Bonus for Platinum CashPlus accounts See also: Amex Platinum Guide |
ⓘ $1917 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25, $600 Fine Hotels & Resorts credit valued at $300, $300 Digital Entertainment credit ($25 per month) valued at $150, 400 Resy credit ($100 per quarter) valued at $85, $120 Uber One credit ($10 per month) valued at $48, $300 Lululemon credit ($75 per quarter) valued at $150 Click to learn about first year value estimates 125K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 125K after $8K spend in first 6 months. Terms apply. (Offer Expires 11/12/2025)$895 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K points after $8K spend [Expired 6/12/25] Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X prepaid hotels booked with American Express Travel Card Info: Amex Pay Over Time Card issued by American Express. This card has no foreign currency conversion fees. Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $110) ✦ $100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year. See also: Amex Platinum Guide |
DP: P2 just got approved for the 250K offer! Used referral link from my Amex Business Platinum (another 25K in the bag!) and hunted a lot with private browsers (Chrome, Firefox). I saw 200K often. Ultimately found the 250K offer on Chrome incognito, no VPN, at my office.
Recommendation – definitely don’t accept the 150K offer, 200K is easy to find, 250K is out there if you’re determined enough.
How do you know when the 250k offer is back. It is showing in my P2 referral link but I don’t know if that is just a one off thing?
When generating the referral link on the ‘Refer a Friend’ page of your P2’s Amex account, it’ll show how many bonus points they’ll earn by referring someone, as well as the bonus that the person applying will receive. If the bonus listed for the person applying doesn’t state 250k there, it means it’s a referral link that only shows 250k occasionally and not all the time.
A question about “International Airline Program”: is it for all int’l flights from US / Canada in premium cabins? Is it a set %? I’m thinking this discount, if available for the routes i’m interested in, might make care of a significant part of the annual fee all by itself. But without knowing what it is, the math might not work for me. Thank you.
My referral linked ended up with a 250k plat offer and a 150k gold bus offer wonder how common that is?
How long does it take to get added to the fb group? I am looking for a 250k or 300k referral.
Link is not working for me. Tried multiple browsers, on phone and on desktop, in normal and incognito.
Unfortunately the 250k offer no longer seems to be available.
Link is failing for me
It’s still working for me. You might need to open the link in a different browser for it to work
The 250k link doesn’t work anymore?
There’s a new link now
Link doesn’t work anymore.
Do we know how long this 250k SUB will last?
There’s a new link now. We don’t know how long the 250k offer will last.
Thanks Stephen!
Do you know how long a similar offer has been around last time?
This is the first time Amex has offered 250k as a welcome offer. When Amex has increased welcome offers in the past few years, they’ve usually lasted at least a few months. This 250k offer has been around for about three months already, so there’s no knowing how much longer it’ll be available I’m afraid.
The link no longer works?
Sorry, it looks like something went wrong. This could be:
To correct please check the American Express Referral Link before trying again.
I’ve just added a new link
250k link has expired again
Just updated the link, so it should work now
seems to have expired again
There’s a new link now
Where’s the new link?
The link is still working for me. You might need to use a different browser in order to get it to show up
any chance you have a new link 250k for $15k spend?
There’s a new link, but only for $20k spend, not $15k
Any chance there is a new link available? Thanks!
“Sorry, this link is not working or has expired. If you’d like to apply with your friend’s referral, you can ask them to send you a new referral link.”
There’s a new link now
Thank you! Unfortunately, …”You are not eligible to receive the welcome offer. In determining eligibility, we considered your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors.”
I have a referal link for
250k for Business Platinum &
200k for Business Gold.
Wondering where to post. Wanted to make sure I am following guidelines.
We have a 200k Business Gold referral thread here https://www.facebook.com/groups/frequentmiler/posts/1575472793052997/
And a 250k Business Platinum referral thread here https://www.facebook.com/groups/frequentmiler/posts/1574577043142572/
Link for the 250k expired
It’s still working for me. If it’s not showing up in your regular browser, try using a different browser and it’ll hopefully show there.
Thanks! I tried again and was able to apply (and was approved!).
I believe the 250k link on the Business Platinum may have expired.
There’s a new link now