The Enterprise Platinum Card from American Specific overview
The Enterprise Platinum Card® from American Specific is without doubt one of the finest enterprise rewards playing cards round, due to its giant welcome bonus and the sheer variety of value-added perks it affords cardmembers. Whereas it requires some work to take full benefit of them, the trouble can repay with financial savings of tons of and even hundreds of {dollars} per yr. Card ranking*: ⭐⭐⭐⭐
* Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With premium playing cards within the mainstream nowadays, many individuals are comfy paying annual charges of over $400. The Enterprise Platinum Card from American Specific stands out above even that, although, with a $695 annual payment (see charges and charges) — though its annual assertion credit and advantages go above and past to mitigate that yearly price.
Between its excessive annual payment and a handful of business-focused perks, this card actually will not be appropriate for each small enterprise — particularly ones that do not log main journey bills or ones with major spending areas extra consistent with the bonus classes provided by different enterprise playing cards. Nonetheless, it has some helpful perks, making it a powerful alternative for a lot of companies.
We suggest candidates have a credit score rating of 670 or above to extend their possibilities of getting authorized.
Let’s dive into the cardboard particulars so you’ll be able to determine if it is a good match for what you are promoting.
Associated: Easy methods to apply for a enterprise bank card
Amex Enterprise Platinum professionals and cons
| Execs | Cons |
|---|---|
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Amex Enterprise Platinum welcome provide
New Amex Enterprise Platinum candidates can earn 150,000 factors after spending $20,000 on eligible purchases within the first three months. Based mostly on TPG’s January 2025 valuations, the Membership Rewards factors this card earns are value 2 cents apiece. So, when you can handle the $20,000 spending requirement, you may earn factors value $3,000 towards journey. This matches the finest welcome provide now we have seen on this card.
Whereas $20,000 in three months won’t be exhausting for companies with quite a lot of money movement, in case your enterprise is smaller, you may think about prepaying as many bills as you’ll be able to afford throughout your first three months to assist earn your welcome provide.
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Then again, if this sort of spending is out of your league, one other enterprise card with a decrease bonus threshold, a smaller annual payment and extra focused incomes classes could be a greater match for you in the long term.
Associated: Easy methods to obtain the Amex Enterprise Platinum’s spending requirement
Amex Enterprise Platinum advantages
Amex’s bevy of assertion credit, simply totaling over $1,500 in annual advantages, can assist cardmembers doubtlessly offset the preliminary shock of that top annual payment. Here is an in depth have a look at all of them (enrollment is required for choose advantages):
| Assertion credit score | Annual quantity | The way it works |
|---|---|---|
| Dell* | As much as $400 | Assertion credit score on U.S. Dell purchases as much as $200 semiannually (enrollment required) |
| Certainly | As much as $360 | Assertion credit score on Certainly hiring and recruiting services and products to put up open positions and discover expertise, as much as $90 per quarter (enrollment required) |
| Adobe* | As much as $150 | Assertion credit score on choose annual purchases, together with Adobe Inventive Cloud and Acrobat Professional DC (enrollment required) |
| Wi-fi phone companies | As much as $120 | Assertion credit for purchases made immediately from any U.S. wi-fi phone supplier, as much as $10 per 30 days (enrollment required) |
| Clear Plus | As much as $199 | Assertion credit score towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal) |
| Airline payment | As much as $200 | Annual airline payment credit score of as much as $200 on costs by the airline you choose per calendar yr |
| World Entry or TSA PreCheck | As much as $120 | Assertion credit score for World Entry ($120) or TSA PreCheck (as much as $85) each 4 years (4.5 years for PreCheck) |
*These two credit are slated to finish on June 30, 2025.
Alongside the plethora of assertion credit you might (or could not) be capable of use, the Amex Enterprise Platinum shines by means of with its different journey perks.
Other than entry to Amex’s Centurion Lounges, your card will open the door to the intensive American Specific World Lounge Assortment. It’s comprised of greater than 1,500 lounges worldwide, together with Delta Sky Golf equipment that you would be able to enter when you’ve gotten an eligible same-day flight on that airline, Precedence Cross lounge entry (excluding restaurant places), Escape Lounges and Lufthansa Lounges when you’ve gotten a same-day flight on that airline.
Nonetheless, it is value noting that you will be restricted to 10 complete Delta Sky Membership visits per yr beginning Feb. 1, 2025 — except you spend $75,000 in a calendar yr to unlock limitless entry.
Enrollment is required for choose advantages.
As for advantages that come in useful when you attain your vacation spot, this card lets you register for complimentary Gold standing with Hilton Honors and Gold Elite standing with Marriott Bonvoy, which offer higher earnings and advantages throughout stays with these two manufacturers.
Cardmembers additionally take pleasure in complimentary elite automobile rental standing with a number of packages, together with Avis Most popular, Hertz Gold Plus Rewards and Nationwide Emerald Membership. Enrollment is required for these advantages.
As you may think, the Amex Enterprise Platinum Card can also be nice for enterprise purchases. It options prolonged guarantee safety* that prolongs eligible U.S. producer warranties of 5 years or much less by a further yr, saving enterprise house owners money and time if one thing occurs to an merchandise they purchase.
Moreover, the cardboard’s buy safety covers unintended injury or theft for as much as 90 days after buy, as much as $10,000 per lined buy and $50,000 per cardmember account per calendar yr, so it is an ideal alternative for costly gadgets.*
Other than these two particular advantages, the cardboard’s different notable perks embody:
- Cellphone safety, for a most of $800 per declare with a restrict of two authorized claims per 12-month interval. Protection for a stolen or broken eligible cellphone is topic to the phrases, situations, exclusions and limits of legal responsibility of this profit.**
- Entry to the Cruise Privileges Program and the Worldwide Airline Program
- A 35% bonus while you use Pay with Factors to cowl a first- or business-class ticket on any airline or an economic system ticket on one airline of your alternative (as much as 1 million factors again per calendar yr)
*Eligibility and profit stage varies by card. Phrases, situations and limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm.
**Eligibility and profit stage varies by card. Phrases, situations and limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Associated: Is the Amex Enterprise Platinum definitely worth the annual payment?
Incomes factors on the Amex Enterprise Platinum
Amex Enterprise Platinum cardholders will earn 1.5 Membership Rewards factors per greenback spent on as much as $2 million in eligible purchases within the U.S. per calendar yr within the following classes:
- U.S. digital items retailers
- U.S. software program
- U.S. cloud service suppliers
- U.S. building supplies and {hardware} provides
- U.S. delivery suppliers
- Purchases of $5,000 or extra
Cardmembers earn 5 factors per greenback spent on airfare and pay as you go lodge purchases with American Specific Journey (together with Amex Nice Lodges + Resorts). All different purchases earn 1 level per greenback spent.
Associated: Every part you might want to find out about Amex Membership Rewards
Redeeming factors on the Amex Enterprise Platinum
We suggest transferring your Membership Rewards factors to any of Amex’s lodge and airline companions for max worth. You may as well redeem your factors for service provider reward playing cards or to cowl costs in your invoice. Nonetheless, these choices considerably devalue your rewards to 1 cent per level or much less, so we do not suggest utilizing your factors this fashion.
The best redemption choice that also affords first rate worth is American Specific Journey’s Pay with Factors function, which lets you obtain a 35% bonus while you use factors towards first- and business-class flights on any airline, in addition to economy-class flights on your chosen airline. This boosts your redemption worth for these purchases from 1 cent to 1.54 cents per level.
Simply be aware that the 35% rebate is capped at 1 million factors again per calendar yr, and you should have the total variety of factors for the usual redemption in your account on the time of reserving. You may then obtain the rebate inside one or two billing cycles.
Transferring factors on the Amex Enterprise Platinum
Once more, you’ll be able to unlock much more worth out of your earnings by transferring your Membership Rewards factors to any of Amex’s 21 airline or lodge companions. Most transfers happen at a ratio of 1:1 and course of immediately. Going this route could take a little bit of analysis, however a bit of work can assist improve the worth of your factors considerably above the TPG valuation.
For example, one TPG reader credited their best-ever redemption to factors accrued with the Amex Enterprise Platinum, then transferred to Delta Air Strains:
“Transferring Amex Biz Platinum factors to Delta Amex for 10 spherical journey Consolation+ flights between OMA-JFK that almost all have acquired computerized 1st class upgrades on.” — Tammy S by way of Fb
Notice: Reader-submitted responses haven’t been edited, reviewed or authorized by the issuers nor replicate TPG’s opinions of those playing cards.
You may additionally wish to look ahead to Amex’s common switch bonuses, which may additional improve the worth of your factors.
TPG bank cards author Chris Nelson steadily receives outsize worth by using Amex’s beneficiant switch bonuses to Avianca LifeMiles, to e-book lie-flat seats on Star Alliance companions, resembling United Polaris business-class flights to Europe.
Associated: The most effective methods to make use of Amex Membership Rewards factors
Which playing cards compete with the Amex Enterprise Platinum?
Should you really feel that what you are promoting won’t be capable of get the total worth out of the Enterprise Platinum Card, you may wish to think about different choices:
- If you need a decrease annual payment however increased incomes charges: The American Specific® Enterprise Gold Card affords related redemption choices to the Enterprise Platinum however at a decrease annual payment of $375 (see charges and charges). It earns 4 factors per greenback spent on the 2 eligible classes you spend essentially the most on every billing cycle (on as much as $150,000 in mixed purchases for these two classes per calendar yr, then 1 level per greenback spent after that). For extra info, please learn our full evaluate of the Amex Enterprise Gold.
- If you do not need business-specific advantages: The Platinum Card® from American Specific has perks much less tailor-made to small companies. You may nonetheless earn helpful Membership Rewards factors, obtain important worth in annual assertion credit (so long as you’ll be able to benefit from them), and achieve entry to the identical intensive community of airport lounges worldwide. For extra info, please learn our full evaluate of the Amex Platinum.
- If you wish to earn Chase Final Rewards factors: Chase’s Ink Enterprise Most popular® Credit score Card is a TPG favourite. It earns 3 factors per greenback spent on the primary $150,000 spent in mixed purchases on journey, delivery purchases, web, cable and cellphone companies, and promoting purchases made with social media websites and engines like google. For extra info, learn our full evaluate of the Ink Enterprise Most popular.
For extra choices, try our full checklist of the finest enterprise bank cards.
Learn extra: Practicality vs. luxurious: Chase Ink Enterprise Most popular vs. Amex Enterprise Platinum
Backside line
The Amex Enterprise Platinum Card is a wonderful alternative for enterprise vacationers with bills in bonus classes and those who provide assertion credit. Whereas it won’t be value it for all enterprise house owners, its journey perks are tough, if not not possible, to beat. With a plethora of journey advantages, the Amex Enterprise Platinum is a must have card for enterprise house owners trying to maximize their journey.
Apply right here: The Amex Enterprise Platinum card with 150,000 Membership Rewards factors after you spend $20,000 on eligible purchases within the first three months of card membership
For charges and charges of the Amex Enterprise Platinum, click on right here.
For charges and charges of the Amex Enterprise Gold, click on right here.
For charges and charges of the Amex Platinum, click on right here.
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