More Amex NLL Offers: 170K Business Platinum and 100K Business Gold (targeted)


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 170,000 Membership Rewards points for $15,000 spend with no employee card needed.


The Business Gold offer has an expiration date of 9/30, while the Business Platinum doesn’t have an expiration listed.

The Business Gold link came 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 Business Platinum link is different, in that it’s a post-targeted link, meaning that it links directly to the actual application. There is a button on the top of the application that says “already a Card Member? Click here.” I think with these sorts of links it’s safest to use that button to log-in as a way of confirming that you’re targeted before filling out the application (I am targeted, even though I already have two Business Platinums and a brand-new Business Gold).

That said, I tend towards the conservative side when dealing with Amex. Most people will tell you just to fill-in the application details and see if you get a pop-up telling you that you’re not eligible. If you don’t, you’re golden.

The Offer

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)
The Business Platinum Card® from American Express

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.

Annual Fee: $695

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 ⚬ 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

Card Name w Details & Review (no offer)
American Express® Business Gold Card

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.

Annual Fee: $295

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)

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 $1500.

(h/t: DOC)

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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?