The Business Platinum Card® from American Express
Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.
Recent better offer: 150K after $20K Spend (Targeted)
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 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.
Noteworthy perks: Up to $200 a year in statement credits for airline incidental fees ⚬ 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.⚬ Airport lounge benefits ⚬ 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
See also: Amex Platinum Guide
Rewards
| Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide. |
Application Tips
Amex Application Tips
- Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.
- Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.
- 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.
- 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.
- Better Offers: You may be able to get a better offer than the best available public offer. Details here.
- Hard inquiries combine into 1 when approved same day
Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)
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Related Cards (Membership Rewards)
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American Express® Business Gold Card 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] |
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[…] you can find this on a Business Platinum card it would be possible to stack this with the Amex Business Platinum $200 Dell credit. This offer is part of Amex’s “Semana of Members”, so you must register for […]
My referral link is consistently 150k if used in a private browser. Does anyone else have this. It is 120k in most normal browsers
@Greg or others, thinking about applying for the business platinum card. Do you know if gift card purchases will qualify for the $200 airline credit and $200 Dell credits?
So I found out that Dell does not dell sell gift cards but you can buy Xbox gift cards through dell.com, would those qualify for the credits?
Greg,
I mistakenly made a large charge to business platinum’s authorized user’s card while working on $15K min-spend. (I should have charge it to the main card.) Will that charge still be counted toward the min-spend?
Yes it will count
Greg,
I want to add P2 as an authorized user (they call it an employee card) to my business platinum card for the purpose of allowing me to transfer my MR points to her airlines or hotels.
Online I can do this and am given a choice:
I want to minimize the cost, but I don’t know if the Green card allows me to transfer my points to her airlines/hotels. I am pretty sure the other 2 are OK. I know $45 isn’t much but why pay every year unless necessary.
What do you think?
Go green. Yes it will allow point transfers. Keep in mind that it takes 90 days before point transfers are enabled.
Thank you Greg! What would we do without you?
The only reason for the Gold Business card would be the 4x on dining (I don’ buy much in the other categories. But I can usually get 3x there and often even 5x anyway.
Decided: I will take the environmental option.
Actually the AU / employee cards have the same earn rate as the primary Platinum card. Their names Gold and Green are deceiving because the benefits don’t correspond with the cards with the same names that you can sign up for separately
Oh, great, now I feel even better. And thanks for the fast response – I will count the days to 90.
I have a business Platinum card (well, more than one actually) but I would like to add P2 as an authorized user so that I can transfer my points to one of her hotel or airline accounts.
Is there a way to get a bonus for adding her?
Yes, often a bonus shows up when you log into your account. If not, call Amex and ask.
I recently found an offer online for more than 100,000 points for this card. It had the language about once in a lifetime and I had this card about 5 or 6 years ago, but this is for a different business. No warning came up when I applied, so I went ahead and was approved. How confident should I be that I will get the bonus? Any way to confirm this? I would hate to spend $15K and get no bonus.
There are available referral links for the Amex Business Plat for 110K points with 15K spend. additionally some 5x categories for the first 3 months (gas, office, shipping, wireless). This must be the highest SUB ever for this card? the 5x categories are generally covered by other cards (Ink cash, freedom Q2, etc), so that is a wash. But I am going to guess you would say that this is a no brainer for those in the hunt for MR points
That’s very good, but 100K offers for the business Platinum card are common. This is better than the usual, but not by a huge margin in my opinion (unless the 5X stuff is meaningful to you).
I know you can pay federal taxes but what if you spend $5,000 on taxes? Will you get 1.5 x points? In other words, would this count as an “eligible” expense? Has anyone done this?
Yes that will work. Note that the credit card processing fees are often charged separately and so you’ll need to pay at least $5K for taxes themselves for that payment to qualify. In other words, it wouldn’t work to pay $4950 in taxes + ~$100 in fees since each of those “purchases” are less than $5K
Great, thanks. We will see.
Greg, why do you always say Federal Taxes and not also State Taxes (I know that not all states allow credit card payments). Would this be an issue with AMEX?
Only because there are services that allow you to pay federal taxes for about 2% in fees. Options for paying state taxes vary by state. I don’t believe Amex would have any issues with it
Thanks.
Frank-just thinking out load and maybe you’ve already thought of this- The AMEX BBP card gives 2% on everything (irrespective of amount charged) if I’m not mistaken (I just got it). Why not use that?
Because I need to complete the spend of $15K in 3 months for 150,000 MR points. Otherwise I would use my BofA Premium VISA and get a small profit (2.625% cash back).
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