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The Business Platinum Card from American Express
business coupon book with lounges. 300k bonus if you can spend $20k fast.
checked Oct 9, 2026 · americanexpress.com, thepointsguy.com
annual fee
US$895
welcome bonus
300k pts
foreign transaction fee
none
earn rates
business stuff · key us business categories (electronics, software/cloud, shipping, construction/hardware) + single purchases $5k+ · up to US$2,000,000/year2x
everything else1x
at amex travel5x
at amex travel prepaid hotels5x
store-only rates show here but aren't counted in your wallet math.
welcome offer
spend US$20,000 in 3 months300k
credits
fine hotels + resorts / hotel collection creditUS$300 twice a year
airline incidental fee creditUS$200/yr
clear+ creditUS$219/yr
global entry / tsa precheck creditUS$120 every 4 yrs
dell creditUS$150/yr
dell $1,000 credit after $5k dell spendUS$1,000/yr
chatgpt business creditUS$300/yr
adobe credit after $600 adobe spendUS$250/yr
indeed creditUS$90/quarter
us wireless phone creditUS$10/mo (US$120/yr)
hilton creditUS$50/quarter
perks
centurion + priority pass + delta sky club (10 visits/yr) + partner lounges
marriott gold + hilton gold + leaders club sterling + avis/hertz/national status
35% points back on pay with points flights (selected airline, up to 1m/yr)
trip delay ($500, 6h) + trip cancel/interrupt ($10k) + cell phone ($800) + purchase/return protection
always confirm current terms with the issuer before applying. pointlss isn't affiliated with amex. see disclosures.