The Enterprise Platinum Card® from American Specific Evaluate

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been wonderful and elevated each my journey and my enterprise. Others have been…nicely, lackluster.

Top-of-the-line? The Enterprise Platinum Card® from American Specific. It comes with a number of world-class perks and advantages, high quality buyer care, and a stable rewards construction (particularly on giant purchases).

Whereas the annual charge is fairly excessive ($695, pay over time accessible. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard price carrying. I believe it’s an excellent alternative for enterprise house owners who journey regularly.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Specific?

The Enterprise Platinum Card® from American Specific is a journey rewards card geared in the direction of enterprise house owners. (Keep in mind: even aspect hustles and freelancing rely as companies so you may get this card even with out being an LLC.) First, let’s go over among the finest belongings you get if you join, which make it a no brainer to get for the primary yr:

• Restricted Time Provide: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked instantly with airways or by American Specific Journey along with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You may earn one or each of those gives. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go motels, and short-term leases and pay as you go flight + lodge packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US building materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and delivery suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar yr. Purchases eligible for a number of further level bonuses will solely obtain the best eligible bonus.
• Complimentary entry to the American Specific International Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 nations. Entry is proscribed to eligible Card Members.
• As much as $120 in assertion credit for International Entry or TSA Pre-check each 4 years.
• As much as $199 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar yr for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar yr if you make an eligible buy at Hilton properties. (Distributed in as much as $50 increments per quarter. Hilton for Enterprise program membership is required.)
• $150 credit score with Adobe on eligible annual pay as you go marketing strategy purchases of Adobe Artistic Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card by 6/30/25.
• As much as $120 per calendar yr in assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 again monthly).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No international transaction charges

Utilizing Your Membership Rewards Factors

You’ll earn Membership Rewards factors with The Enterprise Platinum Card® from American Specific. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are among the most dear factors on the market.

These are Amex’s present journey companions:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Membership (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Membership (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Alternative Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Visitor (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Membership (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Membership (1:1 ratio)

Most transfers are prompt, although some can take as much as 48 hours.

It’s also possible to use your Membership Rewards factors to e-book flights and motels within the Amex Journey portal. I usually wouldn’t do that although because it’s not one of the best use of your factors. It’s all the time higher to switch them out to one among their companions. Nevertheless, you may get 35% factors again if you do e-book by way of their portal so simply examine the factors prices between each earlier than making a choice.

Breaking Down the Enterprise Platinum’s Credit and Advantages

Amex playing cards are well-known for his or her plethora of perks and advantages. They’re an enormous motive I like their playing cards. And, if you happen to can benefit from all that it has to supply, the Enterprise Platinum boasts over $1,700 price of worth. However, with so many classes and a lot superb print, it may be onerous to maintain observe of whether or not a profit is definitely helpful to your spending habits. So, that can assist you resolve if the cardboard is best for you, I wish to break down among the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International Entry/TSA PreCheck)
Top-of-the-line issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into among the prime lounges worldwide, together with the wonderful Centurion Lounges and Delta Sky Golf equipment (if you’re flying Delta, with as much as 10 visits per yr).

On prime of that, you’ll get complimentary entry to the massive Precedence Go community. If having a quiet house to chill out, seize a drink, or get some work achieved is a precedence if you journey, this card has you coated just about anyplace.

I additionally respect that the Enterprise Platinum helps you get by the airport quicker. It gives as much as $199 in assertion credit annually for a CLEAR® Plus membership, which speeds you thru safety traces.

You’ll additionally get a credit score for International Entry (as much as $100 each 4 years) or TSA PreCheck (as much as $85 each 4.5 years), relying on which one you select. I personally advocate going for International Entry. It takes somewhat extra effort (there’s an interview), but it surely contains TSA PreCheck too. It’ll prevent a ton of time if you happen to journey internationally.

Airline and Lodge Credit
One other travel-related profit is the as much as $200 airline credit score. Sadly, it comes with a good variety of restrictions, making this credit score a bit extra annoying to make use of. It may solely be used on one (pre-selected) airline, and you’ll solely use it for incidentals, not airfare. However if you happen to don’t have an airline bank card that gives free baggage, it may be helpful to have. It’s also possible to use the credit score for airline bills like paid seat choice or on-board foods and drinks.

The Enterprise Platinum additionally gives a couple of Hilton-related advantages. First, you possibly can obtain as much as $200 in assertion credit at Hilton properties when booked instantly. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property at the very least 4 occasions a yr to get the total worth of this credit score. However if you happen to’re on the highway quite a bit, that may be simple to do.

Second, the Enterprise Platinum gives complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which provide further perks and advantages when staying at these properties.

Enterprise-Associated Assertion Credit
The Enterprise Platinum card comes with some nice perks to assist lighten the monetary load of working a enterprise. Bills can actually add up if you happen to’re managing a enterprise whereas touring, so I respect that the Enterprise Platinum helps offset these prices.

You may stand up to $400 in assertion credit on U.S. Dell purchases (by June 30, 2025, break up into $200 chunks each six months). There’s additionally as much as $360 again per yr on Certainly advertisements (as much as $90 every quarter), which is nice if you happen to’re hiring as your enterprise grows.

When you use Adobe instruments, there’s a $150 credit score accessible if you prepay yearly for eligible Adobe Artistic Cloud or Acrobat Professional plans for groups. And to maintain you related on the go, you’ll stand up to $120 a yr for purchases made instantly with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Affords
On prime of all these beneficial assertion credit, the Enterprise Platinum provides you entry to Amex Affords, a straightforward means to avoid wasting money or rack up further factors with a variety of outlets. These offers rotate frequently and are customized, so what exhibits up for you could be completely completely different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I all the time test Amex Affords earlier than I buy. (The private card gives this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless advocate shopping for a standalone coverage for medical, this card contains sturdy built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally contains cellphone safety for injury or theft, a uncommon however beneficial perk. For a most of $800 per declare, with a restrict of two accredited claims per 12-month interval, when your cellphone line is listed on a wi-fi invoice and the prior month’s wi-fi invoice was paid by an Eligible Card Account. A $50 deductible will apply to every accredited declare.

So, whilst you may get away with the cardboard’s insurance coverage if you happen to e-book the journey on the cardboard, I wouldn’t depend on it fully. But it surely’s higher than most!

Do you have to get this card?

The Enterprise Platinum is good for frequent vacationers who can take advantage of perks like smoother airport experiences and lodge elite standing. When you can benefit from a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual charge price it. I get a number of worth from the cardboard by the assertion credit that make carrying the cardboard after the primary yr actually price it.

Whereas it’s true you solely get 1x level per greenback spent on something below $5,000 (which isn’t pretty much as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex gives, and companions you don’t discover anyplace else make this card important for any enterprise proprietor.

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