Amex Business Platinum/Business Gold: More massive offers (targeted)


The Amex Points Parade Marches On!

American Express has targeted another round of cardholders for No Lifetime Language offers (NLL) on the Business Gold and Business Platinum. I’m now targeted for each card, just in time as I’m just finishing the spend on the current consumer Gold referral offer.

My wife was targeted for both as well, even after getting an NLL Gold in March AND even though she’s currently working on the spend for the Business Platinum offer from last month. Neither of us have ever had a hard pull from these offers.

The Business Platinum offer has an expiration date of 7/31, but the Business Gold is 9/30. Either way, if you’re targeted, it appears as though there’s time to decide or finish off any other spend that you’re working on.  That said, I have heard of these offers going away for some folks, so YMMV. If you can make the (significant) spend, these are the best Business Platinum and Business Gold offers in recent memory.

I continue to be absolutely gobsmacked by the frequency of these NLL offers. I keep thinking that we’ll reach the end of the yellow brick Membership Rewards road, but they just keep on coming.

The Offer

If you see the message below or a screen with no offer listed, it means you’re not targeted:

Quick Thoughts and Key Card Details

The current best public offers for each of these cards are below:

Card Offer and Details
The Business Platinum Card® from American Express
150K points
150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.Targeted online offer of 120K points after $15K spend in the first 3 months + 10x at office supply and hardware stores up to $7500 in spend See this post for details.

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.

Card Type: Amex Pay Over Time Card


Earning rate: 5X flights and prepaid hotels at ⚬ 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.

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 Jan-June; $200 July-Dec) ⚬ 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 wiht up to 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

See also: Amex Platinum Guide

Card Offer and Details
American Express® Business Gold Card
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.

Card Type: Amex Pay Over Time Card


Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 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.

Noteworthy perks: 25% Airline Bonus: Get 25% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Terms Apply. (Rates & Fees)

The targeted offer are obviously a huge improvement on the current best available, even without adding the authorized user card.

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.

These are obviously a terrific welcome offers if you can use the card and make the spend.  Without even considering the additional perks and credits, the Business Platinum offer will end up being around ~$2500 based on our RRV, whereas the Business Gold would be around $1550, both fabulous returns on the minimum spend. Wowza.

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[…] for folks applying for the American Express Business Platinum card. We’ve seen offers for 260,000 points, 160,000 points and offers without the traditional “once-in-a-lifetime” language, meaning […]


For the Business Platinum offer, I received the 10k points for spending $1k on employee card without adding an employee card. I confirmed through chat that’s what the 10k bonus points I received was for. I guess they considered my main card an employee card.

Jan W

Clicked on the link to see if I am targeted–yes! Then when I click to apply, I get a message “Sorry, this offer is no longer available” with a link if I still want to apply that takes me to the 120,000 offer. Anyone else seeing this?


Just received a pre-approved150k offer on the Biz Plat. Have been in pop-up jail for a couple years, so was curious and applied. Happy to report it went through, hope this means I’m back in Amex’s good graces.


always wondered about RAT team as i not receive these NLL offers directly.


Any thoughts if I should take this offer before cancelling my current bus platinum? Annual fee posted for year 3 and no retention offered


Disregard, looks like its answered in another comment reply


My husband was targeted for the business platinum for 160,000 points. Can he apply with our other business that we don’t have the platinum business card and not the same business he already has the platinum business card?


Yesterday I received an emailed targeted 100k offer for Biz Gold card. 90k after $10k in 3 months and 10k after $1k on employee card, both within 3 months. NLL, and I closed my Biz Gold card 6 years ago.

Last edited 9 months ago by Ken

Great post. Question: if you have never had the business platinum or gold and you are eligible for this offer does the No lifetime language help you? IE would it allow you to be eligible in the future for an offer with lifetime language or is this really only reliving to those who have had the card before? Thanks


Thanks Tim

Biggie F

Wow. I’ve been soaking in the comments below on how many of these things folks have.

But what about the following, what is the thinking about getting a new one and almost simultaneously canceling a current one? I was getting ready — it’s the end of my first year — to call in in search of a retention offer. But unless I get really lucky, that will likely entail some spend, so why not ditch the current card and put that spend toward a new one?


Hi, I was just targeted online for a Biz Gold to Biz Platinum upgrade 140k points for 10k spend. Pretty sweet and there’s no lifetime language except for “Offer is available for first-time upgrades to the new Business Platinum Card only and for one Card account only.”

However, I just opened my first Business Platinum Card 5 days ago. Based on peoples experience with welcome offer language, is this upgrade offer pretty safe? It looks pretty clear that only upgrades are an issue and I’ve never upgraded to a biz plat before.


I got targeted for both. I don’t have a business any longer. I know the common understanding is, “Sure you do. Don’t you sell anything on Ebay? Have garage sales?” No. No, I don’t. So, I haven’t done a biz card application is years. What does the application ask as far as biz verification?


Thanks, Tim


The problem I have with AMEX points is how to use them. I have thousands of points now, but don’t use the transfer partners very often. I prefer chase points. I don’t travel internationally very often, and prefer Hyatt to Hilton and Marriott. Hyatt points to book rooms are MUCH lower, and am a globalist, so get all kinds of benefits.


I’ve had both offers on my account for a month or so, but I’m not sure I’m going for either. On the one hand I’m over the coupon books and can’t do $15k MSR, but the business gold is a $295AF card that has basically no benefits at all… it’s basically a pure points purchase.


Already has 3 Biz Plat. Was targeted for another one. Not really sure if I should go for it. I can meet the spend. Just worried about calling Amex’s attention to myself and the game we play

Ed. C

I got both offers, but don’t have a pathway to spending that much in the 3 month time frame. Wish I hadn’t checked!

Randy B

Targeted for both! Now I just need to figure out if I can hit the spend…


Do you want more subscribers? Stop using abbreviations that are only specific to expert users/readers in a particular subject. …and if you are going to use them, at least learn how to introduce an abbreviation in your writing


Might be helpful for people who aren’t familiar with the acronyms and who are unable or unwilling to use Google to figure out what they mean (assuming that’s your goal) to include hover hints with the definitions. If you style them with a very light dashed underline it would be unobtrusive for the rest of us.


@ Nancy — AMEX = American Express.


YMMV=Your mileage may vary.
RRV=Reasonable Redemption Value
While not acronyms…

Now you’re an expert.


If that’s your biggest struggle you should probably should just give up lmao


Anyone have suggestions how to get around Dell auto cancelling every order I make?


Please let me know. You would think the AMEX Biz credits would be a chance for them to obtain high-value customers outside of them spending their AMEX credits, but they have been an epic FAIL to deal with. Why must they make it so hard?


assuming billing and shipping address match, all should be ok


I wish it was that easy with Dell. I’m guessing you haven’t called Dell customer service.

[…] Orignally published on 2022-06-05 15:45:43 by […]


@ Tim — Yeah, this AMEX business card thing is insane. In the past 16 months, my SO and I have gotten 9 Biz Plat + 4 Biz Gold cards, and AMEX is STILL sending us offers like the ones you show above. I don’t see how this can be profitable for them, but keep ’em coming.


A devaluation coming?


You need to work on your skills of how to properly use & define abbreviations.


Give it a rest, Nancy.



Carl Pietrantonio

Why not just do a bit more reading on this subject and learn what the commonly used abbreviations mean then you won’t have a problem.

Here is a master list of abbreviations you can use:

Last edited 9 months ago by Carl Pietrantonio