Few playing cards — throughout the patron and enterprise card spectrum — seize the “wow” issue fairly like The Enterprise Platinum Card® from American Categorical.
A hearty welcome bonus price greater than the cardboard’s annual charge a number of instances over? Test. Distinctive rewards on widespread enterprise bills, airfare and pay as you go resort bookings? Test. Huge journey perks, together with an annual airline charge credit score and airport lounge entry? Test once more.
It is no marvel this can be a must-have card for enterprise vacationers. Nonetheless, that does not imply each small-business proprietor can justify carrying this card. It is an amazing card, however it’s not the fitting one for everybody.
So, let us take a look at who ought to — and should not — get the Amex Enterprise Platinum.
Amex Enterprise Platinum welcome provide
New Amex Enterprise Platinum cardmembers can earn:
- 150,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership; plus
- A $500 assertion credit score after spending $2,500 on qualifying flights booked straight with airways or via American Categorical Journey (spending could be on a number of airways) within the first three months of card membership.
You possibly can earn one or each of those presents. This provide ends June 30.
Primarily based on TPG’s April 2025 valuations, this bonus is price as much as $3,500 (together with the assertion credit score).
That spending minimal could also be a tall order for a lot of small-business house owners. However if in case you have excessive stock turnover or are rising your online business, this card might assist make your regular enterprise exercise far more rewarding.
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Amex Enterprise Platinum advantages
The welcome provide is way from the one purpose to contemplate this card. Listed below are some perks that you may get, together with some advantages not out there on The Platinum Card® from American Categorical (the private model of this card):
- Earn 1.5 factors per greenback on purchases of $5,000 or extra and eligible U.S. purchases on digital items retailers, software program and cloud service suppliers, building supplies and {hardware} provides and delivery suppliers (on as much as $2 million of those purchases per calendar 12 months, you then’ll earn 1 level per greenback spent thereafter).
- 35% Pay with Factors bonus for a first-or business-class ticket on any airline or an financial system ticket on a specific qualifying airline booked via amextravel.com (as much as 1 million factors per calendar 12 months).
- Annual assertion credit with Dell, Certainly, Adobe, Clear Plus and U.S. wi-fi phone providers each calendar 12 months. (Dell and Adobe credit score are altering on July 1, changing into extra beneficiant however requiring extra spending.)
(Enrollment is required for choose advantages; phrases apply.)
Identical to the private model of this card, you will get pleasure from these advantages, too:
*Eligible Platinum cardmembers will obtain 10 Visits per eligible Platinum card per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.
(Enrollment is required for choose advantages; phrases apply.)
For all of those advantages, you will pay a $695 annual charge (see Amex Enterprise Platinum charges and costs; see Amex Platinum charges and costs).
Who ought to get the Amex Enterprise Platinum?
Frequent vacationers
This card is a no brainer for enterprise house owners who journey globally.
One perk not talked about above is no overseas transaction charges (see charges and costs), which means you will not get dinged for purchases made outdoors the U.S. That is particularly helpful for entrepreneurs who continuously conduct enterprise overseas.
Companies with giant bills
Most playing cards provide 1 level per greenback spent on nonbonus spending. Nevertheless, if your online business routinely makes giant purchases of $5,000 or extra, the elevated 1.5 factors per greenback spent on huge purchases is best than you will discover elsewhere.
Plus, if your online business makes hundreds of {dollars} in card purchases month-to-month, the minimal spend requirement wanted to attain the welcome bonus turns into extra attainable.
House owners who worth versatile factors
Essentially the most profitable strategy to redeem Membership Rewards factors is to switch them to one in every of Amex’s 21 airline or resort companions. Should you’re prepared to place within the time and analysis, going the switch route can enhance the worth of your factors even above our valuations.
Somebody who already has the American Categorical Enterprise Gold Card
If you have already got the American Categorical® Enterprise Gold Card, this might present a one-two punch in relation to incomes Membership Rewards. Use the Amex Enterprise Gold to fill within the blanks left by the Enterprise Platinum card.
With the Enterprise Gold, you will earn 4 factors per greenback spent on the 2 classes by which you spend probably the most every billing cycle from the next checklist (phrases and limitations apply):
- U.S. purchases for promoting in choose media
- U.S. purchases at gasoline stations
- U.S. purchases at eating places, together with takeout and supply
- U.S. purchases constituted of digital items retailers, plus software program and cloud system suppliers
- Month-to-month wi-fi phone service expenses made straight from a wi-fi phone service within the U.S.
- Transit purchases, together with trains, taxicabs, ride-hailing providers, ferries, tolls, parking, buses and subways
Whilst you’re capped at $150,000 in mixed purchases per calendar 12 months for this 4 factors per greenback incomes charge (you solely earn 1 level per greenback spent after hitting that ceiling), that 8% return previous to hitting the spending cap (based mostly on TPG’s April 2025 valuations) is fairly candy.
Plus, Amex will even recalculate your high spending classes every month to ensure you earn the very best variety of factors potential.
Associated: American Categorical Enterprise Gold Card evaluation
Who should not get the Amex Enterprise Platinum?
Companies with modest working bills
If you cannot meet the spending requirement for the welcome bonus or justify paying the $695 annual charge, there are higher choices for you, resembling Chase’s no-annual-fee Ink Enterprise Money® Credit score Card (see charges and costs).
Somebody who already has the private model of the cardboard
Since there are so many similarities between the enterprise and private variations of this card, it may be onerous to justify having each. First, you will want to find out in case you can spend sufficient to earn each bonuses.
Outdoors of the bonus, one other key consideration in whether or not or to not get the enterprise model is conserving your private and enterprise bills separate and whether or not or not you’ll be able to abdomen paying nearly $1,400 in annual charges to your playing cards (see charges and costs for the patron Amex Platinum).
There are situations by which you might maximize the incomes potential of each playing cards, however that may in the end rely in your spending habits, enterprise wants and monetary capability.
Companies that want a number of worker playing cards
Though you’ll be able to stand up to 99 Amex Enterprise Platinum worker playing cards, Amex will cost you $350 yearly for every extra Enterprise Platinum card you request (see charges and costs).
That is a reasonably hefty value to pay, on condition that different enterprise card choices provide free worker playing cards, just like the Capital One Spark Miles for Enterprise.
Backside line
TPG considers the Amex Enterprise Platinum to be one of many greatest enterprise playing cards for purpose:
- It presents unbelievable worth for the frequent enterprise traveler.
- It is at present providing one of the vital worthwhile welcome presents in the marketplace.
Should you’re capable of meet the hefty spending requirement throughout the allotted interval, it could possibly be an amazing addition to your online business pockets.
Nevertheless, in case you’re a enterprise proprietor who prioritizes decreasing overhead as a lot as potential, the Amex Enterprise Platinum card will not be match for you, particularly when you think about what number of different nice enterprise playing cards may also be match to your enterprise.
To be taught extra, take a look at our full evaluation of the Amex Enterprise Platinum.
Apply right here: The Enterprise Platinum Card from American Categorical
Associated: 7 causes you may want the Amex Enterprise Platinum Card as an alternative of the Amex Platinum Card
For charges and costs of the Amex Enterprise Platinum card, click on right here.
For charges and costs of the Amex Platinum, click on right here.
