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

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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
150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)
$695 Annual Fee
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.
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.
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 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 Info: Amex Pay Over Time Card issued by Amex. This card has no foreign transaction fees.
Noteworthy perks: Select one qualifying airline and 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) ✦ $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 ✦ 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
Card Offer and Details
130K points after $10K spend in 3 months. Terms apply. (Rates & Fees)
$295 Annual Fee (Annual fee will be $375 for applications received on or after 2/1/24)
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.
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.
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦ Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ 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. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Shop: 4X (6.2%)
Phone: 4X (6.2%)
Biz: 4X (6.2%)
Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign transaction fees.
Noteworthy perks: Earn up to $20 in statement credits each month for eligible purchases at FedEx, Grubhub, and office supply stores. Enrollment required. ✦ Monthly Walmart+ Membership credit when you use the card to pay for monthly Walmart+ membership ✦ 25% Airline Bonus: Get 25% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline) [Note that this rebate ends 2/1/24]. 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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