Amex Business Platinum Benefits, Credits & Annual Fee

• American Express Venue Collection Concessions Statement Credit$250 / yrTrackable

  Get 10% back in statement credits on qualifying food and drink concessions at American Express Venue Collection stadiums and arenas. Enroll your card before paying; credits are capped at $250 per calendar year. Only one card per card member can be enrolled, and the offer ends December 31, 2026.

  Resets: Calendar yearChecked Sep 27, 2026
• Dell Technologies Additional Statement Credit After $5,000 Spend$1000 / yrTrackableEnrollment requiredMin spend $5,000

  After you spend $5,000 or more on U.S. purchases directly with Dell Technologies in a calendar year, receive an additional $1,000 statement credit. Separate from the ordinary up-to-$150 Dell credit. Enrollment required.

  Resets: Calendar yearChecked Sep 14, 2026
• Fine Hotels + Resorts / Hotel Collection Statement Credit$300 / 6moTrackable

  Get up to $300 back twice a year (up to $600 total) as statement credits on prepaid hotel bookings made through Amex Travel with Fine Hotels + Resorts or The Hotel Collection. The Hotel Collection bookings require a minimum two-night stay.

  Resets: Twice a yearChecked May 20, 2026
• ChatGPT Business Credit$300 / yrTrackableEnrollment required

  Get up to $300 back per calendar year as statement credits on U.S. purchases of ChatGPT Business subscriptions. Enrollment is required, and the credit applies only to purchases made in the United States.

  Resets: Calendar yearChecked Sep 25, 2026
• Dell Technologies Statement Credit$150 / yrTrackableEnrollment required

  Get up to $150 in statement credits each calendar year on U.S. purchases made directly with Dell Technologies. Enrollment required. This ordinary $150 reimbursement is not gated by the $5,000 Dell spend threshold.

  Resets: Calendar yearChecked Sep 14, 2026
• Hilton Statement Credit$50 / qtrTrackableEnrollment required

  Get up to $50 back per quarter (up to $200 per year) as statement credits on eligible purchases made directly with Hilton. You must be a Hilton for Business member and enrollment is required to activate this benefit.

  Resets: QuarterlyChecked May 20, 2026
• Airline Fee Credit$200 / yrTrackable

  Get up to $200 back per calendar year as statement credits for incidental fees-like checked bags or seat upgrades-charged by one qualifying airline you select. You must designate your airline, and the credit applies only to that one carrier.

  Resets: Calendar yearChecked May 20, 2026
• Adobe Creative Solutions Statement Credit$250 / yrTrackableEnrollment requiredMin spend $600

  Get a $250 statement credit per calendar year on U.S. purchases made directly with Adobe. You must spend at least $600 with Adobe in that calendar year to receive the credit, and enrollment is required.

  Resets: Calendar yearChecked Sep 13, 2026
• The Hotel Collection Property Credit$100 / yrTrackable

  Get a $100 on-property credit toward eligible charges when you book a stay of two or more nights through AmexTravel.com with The Hotel Collection. Eligible charges vary by property and are applied at the hotel.

  Resets: Calendar yearChecked May 20, 2026
• Global Entry / TSA PreCheck Application Fee Credit$120 / 4yrTrackable

  Get a statement credit of up to $120 for a Global Entry application fee, or up to $85 for a TSA PreCheck application fee through a TSA official enrollment provider. The credit can be used once every 4 years and must be charged to your Business Platinum Card.

  Resets: Every 4 yearsChecked Sep 27, 2026
• Amex Travel Online Flight Statement Credit (Spend $250,000 unlock)$1200 / yrTrackableMin spend $250,000

  Unlock up to $1,200 in statement credits on flights booked on AmexTravel.com in the following calendar year after spending $250,000 in eligible purchases in this calendar year on the Business Platinum Card. Same $250k calendar-year milestone as the One AP credit (multi-payout). Aggregate spend (not a single charge).

  Resets: Calendar yearChecked Sep 14, 2026
• Wireless Provider Statement Credit$10 / moTrackableEnrollment required

  Get up to $10 back per month (up to $120 per year) as statement credits on wireless phone service purchased directly from a U.S. wireless telephone service provider. Enrollment is required to activate this monthly credit.

  Resets: MonthlyChecked May 20, 2026
• CLEAR+ Membership Credit$219 / yrTrackable

  Get up to $219 back per calendar year as a statement credit toward an auto-renewing CLEAR+ membership, excluding taxes and fees.

  Resets: Calendar yearChecked Sep 12, 2026
• Indeed Statement Credit$90 / qtrTrackableEnrollment required

  Get up to $90 back per quarter (up to $360 per year) as statement credits on U.S. purchases made directly with Indeed. Enrollment is required, and unused quarterly credits do not carry over.

  Resets: QuarterlyChecked May 20, 2026
• American Express One AP Statement Credit (Spend $250,000 unlock)$2400 / yrTrackableMin spend $250,000

  Unlock up to $2,400 in statement credits toward American Express One AP monthly fees in the following calendar year after you spend $250,000 on eligible purchases on the Business Platinum Card in this calendar year. Credits apply to One AP monthly bills charged to the Card. Aggregate calendar-year spend (not a single charge).

  Resets: Calendar yearChecked Sep 14, 2026

Travel Benefits

• Pay with Points at Amex Travel

  Use Membership Rewards points to pay for travel booked through Amex Travel. Select Pay with Points at checkout on AmexTravel.com for flights, prepaid hotels, rental cars, and other available bookings. Available redemption options depend on the booking.

  Checked Sep 26, 2026
• Transfer Points for Travel

  Transfer Membership Rewards points to participating airline and hotel loyalty programs. Link your partner account and transfer points to programs such as Delta SkyMiles, Marriott Bonvoy, or Hilton Honors before booking. Transfer options and partner program rules vary.

  Checked Sep 26, 2026
• Cruise Benefits Shipboard Credit

  Pay for a qualifying cruise with your card and receive $100-$300 in shipboard credit per stateroom, with the exact amount varying by cruise line and booking. Additional onboard amenities may also be included depending on the cruise line. Authorized Platinum users are covered as well.

  Checked May 20, 2026
• Fine Hotels + Resorts Perks$100 / yr

  Get a $100 property credit toward qualifying charges on each eligible Fine Hotels + Resorts booking. Book a participating property through the program and use the credit for charges the hotel designates as covered. The credit is tied to the stay, not a general hotel statement credit.

  Checked Sep 27, 2026
• Platinum Member Airfares

  Access select flight fares through Amex Travel that are lower than fares offered there to other American Express card members. Search available Platinum Member Airfares when booking. The reduced fares are not offered on every flight.

  Checked Sep 27, 2026
• Insider Fares

  Use fewer Membership Rewards points for eligible Insider Fares flights. Search flights through Amex Travel and choose an available Insider Fare when paying with points. Savings and availability depend on the itinerary.

  Checked Sep 27, 2026
• International Airline Program

  Book select premium international flights - business or first class - originating in the U.S. or Canada through Amex Travel to access discounted fares on a curated set of airlines and routes. Authorized Platinum users on your account can also take advantage of this program.

  Checked May 20, 2026
• Lowest Hotel Rates Guarantee

  Get a refund of the price difference if you find a lower qualifying online rate after booking a hotel through AmexTravel.com or the Amex Travel App. Submit a claim for the same room, dates, guests and rate terms. Prices are compared before taxes and fees.

  Checked Sep 27, 2026

Lounge Access

• Unlimited Delta Sky Club Access and Centurion Guest Access after $75,000 SpendTrackableMin spend $75,000

  Spend $75,000 or more on eligible purchases in a calendar year to unlock two rewards: unlimited Delta Sky Club visits through the end of the following year, and complimentary access for up to two guests per visit at The Centurion Lounge (U.S. and select international locations) and Sidecar by The Centurion Lounge (U.S.). Base 10 annual Delta Sky Club visit-days without that spend are tracked separately.

  Resets: Calendar yearChecked Sep 27, 2026
• Airport Lounge Access: Centurion LoungesEnrollment required

  Get complimentary access to The Centurion Lounge with your U.S. Business Platinum Card. Present your card, a same-day boarding pass and a valid ID at a participating location. Guests may incur a fee unless you have qualified for complimentary guest access with $75,000 in calendar-year spend.

  Checked Sep 27, 2026
• Sidecar by The Centurion Lounge Access

  Get complimentary access to Sidecar by The Centurion Lounge with your U.S. Business Platinum Card. Present your card and any required travel documents at a participating location. Guests may incur a fee unless you've qualified for complimentary guest access.

  Checked Sep 27, 2026
• Airport Lounge Access: Airspace Lounges, Escape Lounges, Plaza Premium Lounges

  Your card gets you complimentary entry to Airspace Lounges, Escape Lounges, and Plaza Premium Lounges. You can bring up to 2 guests at no charge - just show your card and a same-day boarding pass at the lounge entrance. Authorized Platinum card users on your account have the same access.

  Checked May 20, 2026
• Priority Pass Select MembershipEnrollment required

  Get a complimentary Priority Pass Select membership, giving you access to 1,300+ airport lounges worldwide across multiple airlines and alliances. Enrollment is required to activate the membership.

  Checked May 20, 2026
• Airport Lounge Access: Delta Sky ClubsTrackable

  Cardholders receive 10 Delta Sky Club visit-days per membership year (February 1 through January 31) when traveling on an eligible Delta flight. Authorized Platinum users are also covered. Unlimited Sky Club access after $75,000 calendar-year spend is tracked as a separate benefit.

  Resets: Calendar yearChecked Oct 1, 2026
• Airport Lounge Access: Priority Pass LoungesEnrollment required

  After enrolling, you receive a complimentary Priority Pass Select membership that grants you and up to 2 guests free access to Priority Pass lounges at airports worldwide. Note that restaurant credits sometimes associated with Priority Pass are not included with this card's membership.

  Checked May 20, 2026

Hotel Status

• Hilton Honors Gold StatusEnrollment required

  Get Hilton Honors Gold status, which includes perks like bonus points on stays and faster progress toward reward nights across the Hilton portfolio. No minimum stay requirement applies; enroll through your American Express account to activate.

  Checked May 20, 2026
• Leaders Club Sterling Status from The Leading Hotels of the WorldEnrollment required

  Get complimentary Leaders Club Sterling Status from The Leading Hotels of the World, unlocking curated on-property benefits at 400+ independent luxury hotels globally. Enrollment is required through your American Express account to activate the status.

  Checked May 20, 2026
• Marriott Bonvoy Gold Elite StatusEnrollment required

  Get Marriott Bonvoy Gold Elite status without needing to meet the usual stay requirements. Enroll through your American Express account to activate the status, which includes benefits like enhanced points earning and late checkout when available.

  Checked May 20, 2026

Rental Car

• Avis Preferred StatusEnrollment required

  Enroll through your Amex account to receive complimentary Avis Preferred status, which includes priority counter service, rental discounts, and a one-car-class upgrade on Intermediate through Full size vehicles. Authorized Platinum users on your account are also eligible after enrolling.

  Checked May 20, 2026
• Car Rental Privileges - Avis, Hertz, NationalEnrollment required

  Get complimentary premium status with select car rental programs, including Avis, Hertz, and National. Enroll through your American Express online account with your eligible card to activate; specific perks vary by rental program.

  Checked May 20, 2026
• National Car Rental Executive StatusEnrollment required

  After enrolling through your Amex account, you receive complimentary National Car Rental Executive status. This lets you reserve a midsize car and then choose any vehicle from the Executive Aisle at no extra cost when you pick up. Authorized Platinum users are also eligible.

  Checked May 20, 2026

Travel Insurance

• Trip Delay Insurance

  Covers up to $500 in additional expenses-like meals or lodging-when a covered reason delays a fully card-paid round trip by more than 6 hours. You're limited to 2 approved claims per eligible card per 12-month period.

  Checked Sep 26, 2026
• Trip Cancellation and Interruption Insurance

  Covers non-refundable trip costs up to $10,000 per trip when a covered reason cancels or interrupts a round trip paid entirely with your card. The maximum reimbursement is $20,000 per eligible card per 12-month period.

  Checked Sep 26, 2026
• Baggage Insurance Plan

  Covers lost, damaged, or stolen baggage when you purchase your entire common carrier ticket (flight, train, ship, or bus) with your card. Coverage is up to $2,000 for checked bags and up to $3,000 combined for checked and carry-on bags, in excess of what the carrier provides, with a $3,000 aggregate limit per trip.

  Checked Oct 7, 2026
• Car Rental Loss and Damage Insurance

  Covers damage to or theft of a rental car when you reserve and pay for the entire rental with your card and decline the collision damage waiver (CDW) at the counter. Coverage is secondary to other insurance you may have and is not available for rentals in Australia, Italy, or New Zealand.

  Checked Sep 25, 2026

Bonus Earnings

• 5x Points on Flights and Prepaid Hotels via Amex Travel5x points

  Earn 5X Membership Rewards points on flights and prepaid hotels booked on AmexTravel.com.

  Checked Sep 14, 2026
• 2X Points on American Express Travel Online2x points

  Earn at least one additional Membership Rewards point per dollar on qualifying travel purchases through AmexTravel.com or the Amex Travel App. Pay with your Membership Rewards-enrolled Business Platinum Card. The total earning rate depends on the booking's other applicable point bonuses.

  Checked Sep 30, 2026
• 2X Points on Cruise Bookings2x points

  Earn 2 Membership Rewards points per dollar on qualifying cruise bookings, including one additional point per dollar through this travel benefit. Book an eligible cruise with your Membership Rewards-enrolled Business Platinum Card. The additional point applies only to qualifying cruise charges.

  Checked Sep 30, 2026
• 2x points on Platinum Destinations Vacations2x points

  Earn one extra Membership Rewards point per eligible dollar on Platinum Destinations Vacations bookings. Book through the program with your Membership Rewards-enrolled card. Separately billed airfare and other charges associated with the vacation booking do not earn this extra point.

  Checked Sep 27, 2026
• 35% Pay with Points Bonus on Designated Airline Flights35%

  Get 35% of points back after you use Pay with Points for flights booked through Amex Travel with your selected qualifying airline.

  Checked Sep 14, 2026
• 2X Points on Select Business Categories and Large Purchases2x points

  Earn 2X Membership Rewards points on eligible purchases in key business categories, or on purchases of $5,000 or more. Combined bonus earn subject to issuer annual caps as stated in terms.

  Checked Sep 14, 2026
• 1X Points on Other Eligible Purchases1x points

  Earn 1X Membership Rewards points on other eligible purchases. Terms and limitations apply.

  Checked Sep 14, 2026

Dining Benefits

• Platinum Nights by Resy Access

  Get Priority Notify and insider access to reservations at sought-after restaurants worldwide through Global Dining Access by Resy. Download the Resy app or visit Resy.com and add your Business Platinum Card to your profile to activate these dining benefits.

  Checked May 20, 2026

Purchase Protection

• Return Protection

  Return Protection can help with certain covered purchases that a seller will not take back. Check the benefit terms and submit a claim if your purchase qualifies. Coverage depends on the policy's conditions and exclusions; see americanexpress.com/RPterms for details.

  Checked Sep 27, 2026
• Cell Phone Protection

  Covers repair or replacement costs for a damaged or stolen cell phone, up to $800 per claim. Pay the prior month's wireless bill with your card to qualify; a $50 deductible applies per claim, with a maximum of 2 approved claims per 12-month period.

  Checked Sep 25, 2026
• Purchase Protection

  Covers eligible card purchases against theft, accidental damage, or loss for up to 90 days from the purchase date. Reimbursement is up to $10,000 per covered purchase and $50,000 per calendar year.

  Checked Sep 25, 2026
• Extended Warranty

  Adds up to one extra year to the original manufacturer's warranty on eligible purchases made with your card. Applies only to warranties of 5 years or less on covered purchases made in the United States or its territories.

  Checked Oct 7, 2026

Concierge & Membership

• American Express Concierge

  Get help with select reservations, available event tickets, travel questions and shopping requests. Contact American Express Concierge to ask for a supported service, such as a restaurant reservation or gift purchase. Availability is not guaranteed, and purchases remain your responsibility.

  Checked Sep 27, 2026
• Platinum Travel Service

  Work with dedicated Platinum Travel Consultants who can build custom itineraries and offer tailored recommendations for your trips. Contact them through your American Express account to plan business or leisure travel.

  Checked May 20, 2026
• Premium Global Assist Hotline

  Get 24/7 emergency coordination for medical, legal, financial, and other urgent needs when traveling more than 100 miles from home. Emergency medical transportation may be arranged at no cost if approved and coordinated by the hotline; third-party service fees remain your responsibility.

  Checked Sep 25, 2026

Entertainment

• American Express Venue Collection

  Get card member benefits at participating American Express Venue Collection stadiums and arenas. Show or use your eligible U.S.-issued Business Platinum Card as directed by the venue. Benefits apply only to select events and vary by location.

  Checked Sep 27, 2026
• Premium Events Collection

  Get access to Premium Events Collection experiences as a Business Platinum Card member. Browse available events and book or purchase an experience using the applicable event instructions. Offerings and availability vary, and event costs may apply.

  Checked Sep 27, 2026

Fees & Miscellaneous

• No Preset Spending Limit

  Use a Card with no fixed, preset spending limit. Make purchases as usual; American Express adjusts your purchasing capacity based on factors such as your payment history and spending patterns. No preset limit does not mean unlimited spending.

  Checked Sep 26, 2026
• Pay with Points at Checkout

  Use Membership Rewards points to pay at participating online checkouts. Link or select your Card at sites such as Amazon.com or Saks.com and choose Pay with Points when available. Participating merchants and eligible purchases vary.

  Checked Sep 25, 2026
• Vendor Pay by Bill.com$15

  Pay vendors through Vendor Pay by Bill.com after enrolling your Card. The Basic plan has no monthly fee for the first user, and the second user is free for six months. After that, the second user costs $15 monthly; other plan or user fees may apply.

  Checked Sep 27, 2026
• Use Points for Statement Credits

  Redeem Membership Rewards points for a statement credit toward eligible Card purchases. Sign in to your account and choose a credit amount or enter the points you want to use. The credit applies only to eligible purchases.

  Checked Sep 25, 2026
• Account Manager

  Give a trusted team member access to manage parts of your American Express account. Enroll an Account Manager to handle tasks such as payments, transaction reviews, and adding Employee Cards. Choose someone you trust, since they can act on the account.

  Checked Sep 26, 2026
• Amex Offers

  Get targeted discounts or statement credits through Amex Offers. Add an available offer to your card in your online account or the American Express app before making a qualifying purchase with that card. Each offer has its own terms and expiration date.

  Checked Sep 27, 2026
• Amex Special Ticket Access

  Get access to purchase Amex Presale Tickets and Amex Reserved Tickets for select sports, music, and entertainment events. Availability is limited and not all seats are offered through the program.

  Checked May 20, 2026
• Redeem Points for Gift Cards

  Redeem Membership Rewards points for gift cards from more than 75 brands. Browse available gift cards in your rewards account and use points to order one. Available brands and redemption values can vary.

  Checked Sep 25, 2026
• Redeem for Deposits

  Convert Membership Rewards points into deposits in an American Express Business Checking account. Link or access your Business Checking account and choose a points-to-deposit redemption. You need an American Express Business Checking account to use this option.

  Checked Sep 25, 2026
• Employee Cards

  Add employee cards to your account at no annual fee and set approved merchant category types to keep spending on track. You'll get real-time alerts whenever an employee makes a purchase outside your approved categories.

  Checked May 20, 2026
• No Foreign Transaction Fee

  The card charges no foreign transaction fees on international purchases, whether the merchant is abroad or the charge is billed in a foreign currency. No enrollment is needed - the savings apply automatically to every qualifying transaction.

  Checked May 20, 2026