Direct link to 200K Business Platinum offer without lifetime language [YMMV]


Update 3/11/24: We’ve received several recemt DP’s of folks being able to successfully apply for this 200K offer that weren’t able to previously. It still does appear to be targeted, and you have to log-in order to apply, but it seems like it might be open to a new round of Amex customers. It still has no lifetime language (NLL), thus it’s fair game for those who currently have or have had a Business Platinum. Original post follows.


There’s a direct link to check if you’re targeted for this 200,000 Membership Rewards offer on the Amex Business Platinum card (see ‘The Deal’ section below). You’ll be prompted to log in after clicking ‘Apply Now’ and it’s after logging in that you’ll know if you’re eligible.

If you get a message stating ‘We are sorry. This offer is no longer available. If you’d still like to apply for a Business Card from American Express click here’, that means you’re not targeted.

a group of credit cards

The Deal

  • Some Amex customers are seeing a targeted Business Platinum card offer for 200,000 points after $15,000 in purchases in the first 3 months in the “Offers” section of the Amex App. Those targeted are reportedly not seeing lifetime language in the offer terms.
  • Direct link to check if you’re targeted.

Key Card Details

Note that if you click through the key card details, you’ll find more information about the current public offer for this card, which is different than the targeted offer we’re reporting here.

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. Click here for our complete card review

$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%)
Other: 1.5X (2.33%)
Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion 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

Quick Thoughts

This is an incredible offer. It does require a lot of spend in three months, so this won’t appeal to those with limited capacity to meet minimum spending requirements (you might be better offer opening two different cards for nearly the same return on spend with the right offers), but for those who have or have had most of the Amex Membership Rewards-earning cards before, this could be an awesome opportunity to get a nice influx of points.

This offer doesn’t require more spend than the public Business Platinum card offers, it just provides a larger welcome bonus. Scoring 200,000 points on top of the points earned from meeting the minimum spend with just one card bonus will certainly be appealing for some.

I’ve been in-flight for the past few hours, so I haven’t yet had a chance to check to see whether I’ve been targeted, but other members of the Frequent Miler team have not been so far. The report on reddit indicates that this was found in the “Offers” tab in their Amex app and it sounds like it was directly targeted. I imagine that not everyone will see this, and you should always check the offer terms for lifetime language and take screen shots. However, if you are targeted, it’s a pretty good opportunity.

If you’re wondering how best to use these points, you’ll want to see our Amex Membership Rewards sweet spots post. There are plenty of ways that you could get far outsized value with this bonus, though at a base level you could get over $3,000 in airfare with your chosen US-based airline assuming you’re able to use the card’s 35% pay-with-points rebate (up to 1 million points per year). You could potentially do far better with strategic redemptions and/or international premium cabins.

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.

oldest most voted
Inline Feedbacks
View all comments

link address: business-platinum-employee-card/?sourcecode=A0000HAY34
clicked the link and this is employee card application? is this directly linked to someone’s business card? clicked link then 200k came up…


At this point you are practically buying points unless albeit cheaply..


What do you think are the chances the 250K offer returns


Not high enough to wait for it


No dice on mine either though I just signed up for a Business Plat in January.


No go on either of our accounts


No-go on this new 200k offer for P1 and P2.

Larry K

So, I have been trying to get a business platinum offer for about two years with NLL. I have had at least three cards in the past. I check links whenever they get published here or on doctor of credit or wherever else and always strike out. I figure when I see Amex give big offers on cards they may be trying to increase their portfolio and so I give it a try. In light of the recent 250k offer, I decided to try some NLL links to see if it had loosened up and indeed this 200k worked for me today.


I just checked and I am targeted but when I clicked through it said the offer was no longer available.


Dang. I really don’t want another $695 annual fee…I already have two flavors of personal Platinum. But 200K is pretty juicy


I followed the link and logged in and got this message: “This offer is no longer available. If you’d still like to apply for a Business Card from American Express click here.”


Same here


same here.


Hi, what is the policy/fee for employee cards?
And they have full Delta lounge access or…?

Thanks, couldn’t quite tell from reading it myself


Employee cards can be Platinum, Gold, or Green. Employee cards that are Platinum have the same lounge access as the primary cardholder (including Priority Pass, each must separately enroll). Guests in Centurion Lounges? Same as the primary cardholder. Number of Delta Sky club visits? Same as primary cardholder. Employee cards that are Gold or Green do not have lounge access.

Mike O.

P2 and I were both rejected…:(


P2 was approved for 200k offer using the link and logging into account.


This just takes me to my login page after I sign in

Edit: Nevermind I figured it out

Last edited 2 months ago by Alex

Hi Alex, I got the same thing. What am I missing?

Edit: Hahahah…just figured it out.

Last edited 2 months ago by Kevin



Would you mind sharing how you figured it out?


You need to hit apply now and then there will be a link to sign in towards the center of the page


AUs only. No love from Amex for about 9 months.