American Express
Amex Business Platinum
Amex Business Platinum costs $895 annual fee and earns up to 1× on everyday spending. It also carries $1,480 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Amex Business Platinum returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $895 annual fee
- Best earn rate
- 1× everyday spending
- Points value
- 2¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 150,000 points
- About $6,000 if you redeem at 2¢ a point, and only if you clear the spending requirement.
- Credits a year
- $1,480
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Amex Business Platinum earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
Flights through the issuer's travel site
5×
Only through the issuer's portal
Shipping
2×
Office supplies
2×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
| Flights through the issuer's travel site | 5× | Only through the issuer's portal |
| Shipping | 2× | |
| Office supplies | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Amex Business Platinum right for you?
Enter a typical month. You will see what the Amex Business Platinum returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Amex Blue Business Plus Top for your numbers
1× everything else. No annual fee.
Rewards $1,003 · No annual fee
+$1,003
+$573
+$407
−$393
How we estimate
- Every rate on this page comes from the card catalog. Amex Business Platinum pays 1× on spending outside the bonus categories listed above, and up to 1× on everyday spending.
- We value this card's points at 2¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"amex-business-platinum","name":"Amex Business Platinum","fee":895,"cpp":0.02,"base":1,"credits":1480},{"key":"amex-business-gold","name":"Amex Business Gold","fee":375,"cpp":0.02,"base":1,"earn":[{"inputs":["dining"],"rate":4},{"inputs":["gas"],"rate":4},{"inputs":["transit"],"rate":4}],"credits":540},{"key":"business-green-rewards","name":"Business Green Rewards Card","fee":95,"cpp":0.02,"base":1},{"key":"amex-blue-business-plus","name":"Amex Blue Business Plus","fee":0,"cpp":0.02,"base":2}]}What comes with it
Welcome bonus
150,000 points to 300,000 points
About $6,000 if you redeem at 2¢ a point, and only if you clear the spending requirement.
Points and partners
Membership Rewards
Transferable to airline and hotel partners.
Airlines
Aer Lingus, Air Canada, Air France-KLM, ANA, Avianca, British Airways, Cathay Pacific, Delta, Emirates, Etihad, Hawaiian Airlines, Iberia, JetBlue (1.25:1), Qantas, Qatar Airways, Singapore Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Marriott%20Bonvoy%20Hotel%201%3A1%20Instant
Hotels
Choice Privileges, Hilton Honors (1:2), Marriott Bonvoyhttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Marriott%20Bonvoy%20Hotel%201%3A1%20Instant
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| Indeed credit | $360 | $360 |
| ChatGPT Business credit | $300 | $300 |
| Adobe credit | $250 | $250 |
| Hilton credit | $200 | $200 |
| Dell credit | $150 | $150 |
| Wireless phone credit | $120 | $120 |
| Priority Pass (Global Lounge Collection) Counted at $100 because most people do not use the full $469. Priority Pass costs up to $469 a year on its own, but most people visit a few lounges a year and many already hold another card with it, so it counts as $100 and only once per wallet. | $469 | $100 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked americanexpress.com 2026-10-05. $895 annual fee. Welcome offer up to 300,000 points after $20,000 in 3 months. 2x on U.S. construction material and hardware suppliers, U.S. electronic goods retailers and software and cloud system providers, U.S. shipping providers, and any purchase of $5,000 or more, on the first $2,000,000 a year combined. Advertising is not a 2x category; the row previously listed it. Also carries a 35% airline bonus when paying with points for flights through Amex Travel, capped at 1,000,000 points a year.
FAQ
The Amex Business Platinum charges $895 a year. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use.
1× on everyday spending, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. It also carries $1,480 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 150,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 2¢ a point that is about $6,000, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Membership Rewards, which you can transfer to the partners below. Airlines: Aer Lingus, Air Canada, Air France-KLM, ANA, Avianca, British Airways, Cathay Pacific, Delta, Emirates, Etihad, Hawaiian Airlines, Iberia, JetBlue (1.25:1), Qantas, Qatar Airways, Singapore Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Marriott%20Bonvoy%20Hotel%201%3A1%20Instant. Hotels: Choice Privileges, Hilton Honors (1:2), Marriott Bonvoyhttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Marriott%20Bonvoy%20Hotel%201%3A1%20Instant. Transfers are what make a 2¢ valuation reachable; using the points for cash back is worth far less.
No. The Amex Business Platinum charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.