The phrase “This card has an annual charge of practically $700” tends to trigger many individuals’s jaws to drop. The final response, from most individuals, is that there is merely no manner paying a excessive premium annual charge is price it.
The Enterprise Platinum Card® from American Specific has an annual charge of $695 (see charges and costs), but the cardboard claims to supply greater than double that in annual credit and perks.
Does that imply it’s best to add the Amex Enterprise Platinum to your pockets? It relies upon.
This is a have a look at what you get from the Amex Enterprise Platinum annually so you’ll be able to resolve whether or not or not this card is an effective match for you.
Associated: Who ought to (and should not) get the Amex Enterprise Platinum?
Welcome bonus
New candidates can earn 150,000 bonus factors after spending $20,000 on purchases throughout the first three months of card membership. Plus, you’ll be able to earn a $500 assertion credit score after spending $2,500 on qualifying flights booked instantly with airways or by way of American Specific Journey within the first three months of card membership. You may earn one or each of those presents. (Provide ends June 30.)
Based on TPG’s Might 2025 valuations, American Specific Membership Rewards factors are price 2 cents apiece, making this bonus price as much as $3,500 (together with the assertion credit score).
Associated: Methods to redeem American Specific Membership Rewards for optimum worth
Lounge entry
Those that have the Amex Enterprise Platinum (just like The Platinum Card® from American Specific) can entry a variety of lounges, together with:
Every day Publication
Reward your inbox with the TPG Every day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
You may seek the advice of the International Lounge Assortment’s on-line search perform to search out lounges accessible in your subsequent journey. Entry is proscribed to eligible cardmembers.
When visiting these lounges, you’ll be able to take pleasure in advantages like complimentary snacks, meals, drinks (generally together with free alcohol) and free Wi-Fi. Sure lounges could have higher advantages, equivalent to full meals, showers, youngsters’s play areas and extra. Phrases apply.
Associated: Information to lounge entry with the Amex Platinum and Enterprise Platinum
Resort elite standing
Cardmembers can register for computerized elite standing with Hilton Honors and Marriott Bonvoy. This profit supplies Gold standing in each packages. Enrollment is required; phrases apply.
Hilton Gold standing is a really invaluable lodge standing that gives advantages like bonus factors on paid stays, complimentary bottled water, a fifth night time free on award stays, room upgrades (although to not suites), and free continental breakfast or meals and beverage credit.
Marriott Bonvoy Gold Elite standing can also be very invaluable and supplies advantages like late checkout, room upgrades (although to not suites), bonus factors on paid stays, enhanced web and a welcome reward of bonus factors at check-in.
Associated: Evaluating the most effective lodge elite standing tiers and the best way to earn them
Automotive rental elite standing
Cardmembers can enroll for complimentary elite standing with Avis Most popular, Hertz Gold Plus Rewards and Nationwide Emerald Membership. Advance enrollment is required for these advantages; phrases apply.
Rental automotive elite standing supplies advantages like automotive upgrades, a free second driver and my favourite profit: skipping the road and going straight to your automotive initially of your rental. The most effective advantages of automotive rental elite standing in any program is the power to standing match with different rental automotive packages, serving to you acquire standing in quite a few packages concurrently.
Associated: This is every part you might want to learn about rental automotive elite standing
Pay with Factors perk
When utilizing factors to pay for a flight by way of Amex Journey, Enterprise Platinum cardmembers can get 35% of their factors again. This is applicable to 2 kinds of bookings: flights in any cabin along with your preselected most well-liked airline and flights with any airline if the reservation is for enterprise class or firstclass.
Cardmembers can take pleasure in as much as 1 million factors refunded by way of this profit yearly. Reaching this most bonus would require spending 2,857,143 factors inside a calendar yr utilizing the Pay with Factors characteristic to ebook qualifying flights. Phrases apply.
Associated: Why I really like the Amex Enterprise Platinum’s Pay With Factors perk
Tremendous Resorts + Resorts and The Resort Assortment
Amex Enterprise Platinum cardmembers can ebook stays with Tremendous Resorts + Resorts and The Resort Assortment.
FHR stays embrace advantages like day by day breakfast for 2, late checkout, complimentary Wi-Fi and room upgrades (if obtainable at check-in). Every keep additionally features a distinctive expertise credit score price $100, usually within the type of eating credit or spa credit.
THC stays embrace room upgrades (if obtainable at check-in) and a $100 property credit score (with bookings of two consecutive nights or extra) to spend on qualifying eating, spa and resort actions. Phrases apply.
Associated: A comparability of luxurious lodge packages from bank card issuers: Amex, Chase and Capital One
Bonus factors for airfare and accommodations
Enterprise Platinum cardmembers can earn 5 factors per greenback on airfare and pay as you go lodge bookings made by way of Amex Journey.
This incomes fee additionally consists of bookings with Tremendous Resorts + Resorts and The Resort Assortment.
Associated: Get free breakfast, room upgrades and extra with the Amex Tremendous Resorts + Resorts program
International Entry or TSA PreCheck software charge reimbursement
Cardmembers can obtain assertion credit to reimburse their software charges for International Entry ($120) or TSA PreCheck (as much as $85). This profit is accessible each 4 years for International Entry or each 4 1/2 years for TSA PreCheck. Phrases apply.
These packages permit permitted vacationers to maneuver by way of airport safety checkpoints quicker, utilizing PreCheck lanes at designated airports. International Entry customers have a further profit: They will use designated lanes when coming into the U.S. to maneuver by way of passport management quicker.
Associated: International Entry vs. TSA PreCheck: Which is best?
Annual Clear Plus membership credit score
Clear shouldn’t be a authorities safety program, however it does assist permitted customers pace by way of safety checkpoints at airports and choose stadiums utilizing biometrics.
Enterprise Platinum cardmembers can obtain reimbursement in assertion credit of as much as $199 per calendar yr for Clear Plus membership charges. Enrollment is required for this profit; pay along with your Enterprise Platinum card to routinely obtain a press release credit score (topic to auto-renewal; phrases apply).
Associated: 7 methods to get free or discounted TSA PreCheck, International Entry and Clear
Annual airline assertion credit every calendar yr
Touring can generally include pricey charges that present up within the type of paying for checked baggage or upgrading to a greater seat in your flight. Luckily, Enterprise Platinum cardmembers can offset these charges with as much as $200 in assertion credit for airline incidental charges per calendar yr.
Enterprise Platinum cardmembers can select one of many following airways as their most well-liked airline: Alaska Airways, American Airways, Delta Air Strains, Hawaiian Airways, JetBlue Airways, Spirit Airways, Southwest Airways or United Airways.
Earlier than utilizing this profit, it’s essential to select a most well-liked airline. The profit can cowl change and cancellation charges, seat choice charges, improve charges, checked bag charges and extra. Enrollment is required; phrases apply.
I take advantage of this $200 annual credit score on United and fill up on Travelbank credit score, which primarily takes $200 off the price of my ticket.
Associated: Methods to use the Amex Platinum $200 airline charge credit score
Quarterly Hilton assertion credit
On the finish of 2024, the Enterprise Platinum launched a brand new quarterly assertion credit score for purchases with Hilton. Cardmembers now obtain as much as $200 in assertion credit per yr, cut up into 4 as much as $50 quarterly credit. Enrollment is required; phrases apply.
You may earn the credit score just by making a purchase order instantly with a Hilton portfolio property utilizing your Enterprise Platinum card. Eligible prices embrace room charges, incidental purchases, together with eating and room service, and spa therapies.
It is necessary to notice you may have to enroll within the Hilton for Enterprise program to be eligible for the assertion credit score. In case you’re not a member of Hilton for Enterprise, you may be registered once you enroll within the card’s profit.
Annual spending assertion credit
Enterprise Platinum cardmembers can make the most of a number of assertion credit every calendar yr: as much as $150 per yr with Adobe, as much as $120 per yr on cellphone plans with U.S. service suppliers, as much as $360 per yr with Certainly and as much as $400 per yr with Dell. Enrollment required; phrases apply.
The Adobe credit apply to pay as you go enterprise plans for Artistic Cloud for groups or Acrobat Professional for groups. The wi-fi providers profit is accessible as as much as $10 per thirty days in assertion credit for U.S. wi-fi cellphone service plans paid for along with your Enterprise Platinum card.
You may obtain as much as $90 of assertion credit per quarter with Certainly. The Dell profit supplies as much as $200 in assertion credit semi-annually.
Enrollment is required prematurely for a few of these advantages; phrases apply. Maximizing these advantages supplies $1,030 in assertion credit annually.
The Adobe and Dell credit are altering July 1.
Associated: 9 issues to do once you get the Amex Enterprise Platinum Card
Different cardmember perks
Cardmembers can make the most of a number of different advantages (enrollment is required for choose advantages; phrases apply).
The Enterprise Platinum card is designed for cardmembers to pay the whole invoice in full every month. If you cannot pay the total quantity, you might be able to carry a steadiness on some purchases by enrolling within the Pay Over Time characteristic.*
Not all purchases will probably be eligible for Pay Over Time, and never paying your whole steadiness in full every month will doubtless end in paying curiosity. You additionally might be able to earn bonus factors by way of presents to enroll in Pay Over Time — and you may earn these bonus factors for enrolling even in the event you by no means carry a steadiness.
Paying your month-to-month cellphone invoice along with your Enterprise Platinum card may also present cellphone safety to cowl your cellphone in opposition to loss or harm. There’s a most of $800 legal responsibility per declare, and every declare is topic to a $50 deductible. There’s additionally a restrict of two claims per eligible account in a 12-month interval.
Coated telephones are restricted to cellphone strains listed on a cell phone plan paid with the eligible card throughout the latest billing interval.** Combining this profit with the month-to-month wi-fi credit lined above is a good way to invoke insurance coverage advantages plus a reduction in your month-to-month cellphone invoice.
One other profit obtainable to cardmembers is most well-liked entry. This may imply getting tickets to unique occasions, going to the entrance of the road for ticket gross sales on different occasions and even having access to hard-to-find eating reservations with Resy.
When making purchases, cardmembers will earn American Specific Membership Rewards factors, that are price 2 cents per level, per TPG’s Might 2025 valuations. Cardmembers will earn 5 factors per greenback on pay as you go flights and accommodations booked by way of Amex Journey.
Moreover, cardmembers earn 1.5 factors per greenback on purchases of $5,000 or extra or purchases within the following classes throughout the U.S.: development materials and {hardware} suppliers, digital items retailers, software program and cloud system suppliers, and transport suppliers.
Incomes 1.5 factors per greenback is proscribed to $2 million of purchases; then, you may earn 1 level per greenback. All different purchases additionally earn 1 level per greenback.
*Pay Over Time disclosure: No Preset Spending Restrict means your spending restrict is versatile. Not like a standard card with a set restrict, the quantity you’ll be able to spend adapts based mostly on components equivalent to your buy, fee, and credit score historical past.
**Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Associated: Your full information to procuring protections on American Specific playing cards
Backside line
There are quite a few advantages included with the Amex Enterprise Platinum card. Some are annual assertion credit, and others provide assertion credit month-to-month or quarterly. Different advantages haven’t got a tangible price ticket, and the way you worth these advantages will differ.
Suppose you should utilize advantages like lounge entry, assertion credit and different journey perks. In that case, you may simply be capable to offset or overcome the Enterprise Platinum card’s annual charge annually — making it “price it” in your scenario.
Nonetheless, for many who battle to make use of the cardboard’s credit or have lots of its advantages by way of different credit of their wallets, it could be tough to justify paying the $695 annual charge.
To be taught extra, try our full assessment of the Amex Enterprise Platinum.
Apply right here: The Enterprise Platinum Card from American Specific
Associated: Methods to apply for an Amex enterprise card
For charges and costs of the Amex Enterprise Platinum, please click on right here.
.jpg?w=150&resize=150,150&ssl=1 "The Trump Memecoin Dinner Winners Are Getting Rid of Their Cash")
