Amex NLL Offers: 160K Business Platinum and 100K Business Gold (more targeted)


Update 10/30/22: Today, Doctor of Credit reported that that there is another fresh round of no-lifetime-language offers out for the Amex Business Platinum and Amex Business Golds. I checked my account and P2’s and, sure enough, we both had offers for the Business Platinum and were targeted for the Business Gold as well. I applied and was approved for both of us. It’s worth checking your accounts under “featured offers” and/or trying the links below. For both of us, our targeted cards were already-existing Business Platinums.

American Express has yet another round of massive targeted offers for the Business Gold and Business Platinum cards that are both No Lifetime Language offers (NLL). This means that even cardholders who have already had (or currently have) the cards are eligible for the welcome offer. These new links appear to be widely targeted.

The Business Platinum is the best points per dollar of spend offer that we’ve seen thus far at 150,000 Membership Rewards points for $15,000 spend with an additional 10,000 points for spending $1,000 on an employee card needed.


The Business Gold offer has an expiration date of 5/31/23, while the Business Platinum doesn’t have an expiration listed.

The both linkscame from a targeted pop-up that appeared on my wife’s account over the weekend (she was just approved for a second Business Platinum within the last month). It requires you to log-in first and then click the link to find out if you’re targeted.

The Offer

You must log into your account first, then click the link. 

If 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.

Quick Thoughts and 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 ⚬ 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
Card Name w Details & Review (no offer)
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.

$295 Annual Fee
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.
Base: 1X (1.55%)
Travel: 4X (6.2%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Biz: 4X (6.2%)
Card Type: Amex Pay Over Time Card
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)

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 ~$2400 based on our RRV, whereas the Business Gold would be around $1500.

Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Notify of

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Inline Feedbacks
View all comments
Carmelita Harley

Is everyone keeping at least 2 to 3 cards open, including the personal, and paying the fee for at least a year, based on the targeted offers after opening one of these business cards?


A couple of weeks ago, I was targeted every time I logged in with this 160K offer. Now when I actually need it, nothing. Tried multiple browsers spread out over the past week, and still nothing. Any ideas on how to get this offer?


Same thing happened to me, even though the offer was “good” until the end of the year.


I got a mailer for a 90k biz gold good thru 12/31 even though I cancelled my last biz gold in may 22. Went at the end of december to apply and said “not available anymore”. 🙁

Last edited 8 months ago by Scott

I am not targeted in my account offers, though the 160k NLL link works for me.
Have not yet signed up, I am a bit worried about RAT team.


Got it. Third B’ness Platinum card. This is absurd.


Tim, do I still need to wait the 91 days from the last one?


Under the “Terms and Conditions” tab at the bottom of the Amex 160k offer page that you link to it gives an expiration date of 8/1/2023 for the offer, stating “If your application is not received by 8/1/2023, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time.”


Wow – just got my 4th Amex Biz Platinum – crazy


I have applied my 3rd NLL Amex platinum business card in May. Met the $15,000 spend immediately with the purchase of 3 CX business class air tickets. I have not got the SUB till now. I contacted online CS more than 5-6 times back and forth. They opened a case and investigated. Today they closed my case and told me I abused and would not have got the 150k MR points . What should I do? I have all screenshots confirming I’m eligible.

Mat maliack

Hi @Tim – if I were to buy gift cards for airline (southwest) or dell, would they qualify for the credits?


Hmm, I’ve tred clicking on “Already a card member” on 3 different accounts and i don’t get any message saying “ineligible”.

Art Leyenberger

I’m salivating over the 170k offer but I just can’t do another $15k spend right now. Even though I was targeted based on my existing Plat BIZ!


Just got the NLL platinum business and it comes with 0% APR for 12 months it seems.


I saw a pop-up offer for 150k on platinum and then 100k on gold, but did not apply immediately. Now when I log back in, I do not see a pop-up offer anymore. Thoughts on that?


Edit: This is for my business account, TIA!


In my experience, I have seen the pop up offers come and go when logging in to my account. Some days I would see them and other days not.
You may want to try logging in again and if not, try tomorrow and or the next day.

Good luck!


Just picked up the 170 Biz Plat right now, my second this year. I opted for it over the Biz Gold which i also have bc the Biz Plat came with 0% intro apr which is a nice bonus.


not targeted

Reno Joe

Tim, I logged into my Amex account and tried the links. On both, the application pages come up and I do not get the “We are sorry” page. Based on your article, I should be eligible for the offers. Now, being logged in, I tried the link for the 250k offer on the Business Platinum and the application page comes up . . . I do not get the “We are sorry” page. But, FM’s guidance (as well as other blogs) is to “be careful.” Given that I’m experiencing the same thing with the 250k offer, 1) need I “be careful” with the offers in this article? and 2) how does any person proceed carefully? It seems that either one simply applies or doesn’t. Any thoughts from anyone?


So, if I log in from the 170k Biz Platinum application page, and post-login I still see the 170k offer it means it’s safe to apply? I already have one Biz Platinum from January (just before they increased the fee).


It’s hard to say no to this offer even though I already have a Biz Platinum. The only worry is I’ll be closing at least one after 1 year which can annoy Amex and they might put me in pop-up jail.


On this biz plat 170k offer has anyone not actually seen the offer after logging in?


So you can have 2 amex gold/platinum for the same business name with this NLL offer?


Make it stop……please…..make it stop…..


Targeted for business platinum offer. Need to wait a month as I got my last biz platinum (my 4th) in early June.


same here. Do we really need to wait 3 months?


Not 3 months, just 90 days 😀 since the last approval.


Ah, actually I think they once told me 91 days … 🙂
I am in exactly the same position as you plus P2 has almost as many … Crazy.


So, Lukas, when you are up for renewal what are you planning? I guess I will ask what offers there are … I would go for year 2 if the offer were good enough, like 50K MR. Are there any datapoints on this?


I got a 2nd bus gold card last month was but was still targeted for a 3rd. Was declined. Was not aware of this 90 days rule.


Pardon me for the nooby question: Why does Amex give out biz plats to someone who already has a biz plat?


Is it expected to keep these for more than a year and hence pay the annual fee at least twice? Issues with cancelling before the 2nd annual fee?


Keeping the card for 1 year means 2 annual fees. Unless there’s some kind of perfect timing that can be made to cancel when a year hits but before the annual fee hits for the 2nd year?