Few playing cards — throughout the buyer 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 price a number of occasions over? Examine. Distinctive rewards on frequent enterprise bills, airfare and pay as you go lodge bookings? Examine. Huge journey perks, together with an annual airline price credit score and airport lounge entry? Examine once more.
It is no surprise it is a must-have card for enterprise vacationers. Nonetheless, that does not imply each small-business proprietor can justify carrying this card. It is an important card, nevertheless it’s not the precise one for everybody.
So, let’s take a look at who ought to — and should not — get the Amex Enterprise Platinum.
Amex Enterprise Platinum welcome supply
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 instantly with airways or by means of American Categorical Journey (spending could be on a number of airways) within the first three months of card membership.
You may earn one or each of those presents. This supply ends June 30.
Based mostly 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 homeowners. However when you have excessive stock turnover or are rising your enterprise, this card might assist make your regular enterprise exercise rather more rewarding.
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Amex Enterprise Platinum advantages
The welcome supply is way from the one cause to contemplate this card. Listed here are some perks that you would be able to get, together with some advantages not out there on The Platinum Card® from American Categorical (the non-public 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, development supplies and {hardware} provides and transport suppliers (on as much as $2 million of those purchases per calendar yr, then you definitely’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 by means of amextravel.com (as much as 1 million factors per calendar yr).
- Annual assertion credit with Dell, Certainly, Adobe, Clear Plus and U.S. wi-fi phone companies each calendar yr. (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.)
Similar to the non-public model of this card, you may take pleasure in these advantages, too:
*Eligible Platinum cardmembers will obtain 10 Visits per eligible Platinum card per yr 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 may pay a $695 annual price (see Amex Enterprise Platinum charges and charges; see Amex Platinum charges and charges).
Who ought to get the Amex Enterprise Platinum?
Frequent vacationers
This card is a no brainer for enterprise homeowners who journey globally.
One perk not talked about above is no international transaction charges (see charges and charges), which means you will not get dinged for purchases made exterior the U.S. That is particularly helpful for entrepreneurs who regularly conduct enterprise overseas.
Companies with massive bills
Most playing cards supply 1 level per greenback spent on nonbonus spending. Nevertheless, if your enterprise routinely makes massive purchases of $5,000 or extra, the elevated 1.5 factors per greenback spent on large purchases is best than you may discover elsewhere.
Plus, if your enterprise makes 1000’s 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 approach to redeem Membership Rewards factors is to switch them to one in all Amex’s 21 airline or lodge companions. Should you’re keen 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 on the subject of incomes Membership Rewards. Use the Amex Enterprise Gold to fill within the blanks left by the Enterprise Platinum card.
With the Enterprise Gold, you may earn 4 factors per greenback spent on the 2 classes by which you spend probably the most every billing cycle from the next record (phrases and limitations apply):
- U.S. purchases for promoting in choose media
- U.S. purchases at fuel stations
- U.S. purchases at eating places, together with takeout and supply
- U.S. purchases created from digital items retailers, plus software program and cloud system suppliers
- Month-to-month wi-fi phone service expenses made instantly from a wi-fi phone service within the U.S.
- Transit purchases, together with trains, taxicabs, ride-hailing companies, ferries, tolls, parking, buses and subways
Whilst you’re capped at $150,000 in mixed purchases per calendar yr 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 prime spending classes every month to be sure you earn the very best variety of factors doable.
Associated: American Categorical Enterprise Gold Card overview
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 price, there are higher choices for you, similar to Chase’s no-annual-fee Ink Enterprise Money® Credit score Card (see charges and charges).
Somebody who already has the non-public model of the cardboard
Since there are such a lot of similarities between the enterprise and private variations of this card, it may be exhausting to justify having each. First, you may want to find out in case you can spend sufficient to earn each bonuses.
Exterior 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 possibly can abdomen paying virtually $1,400 in annual charges to your playing cards (see charges and charges for the buyer Amex Platinum).
There are cases by which you may maximize the incomes potential of each playing cards, however that can in the end rely in your spending habits, enterprise wants and monetary capability.
Companies that want a number of worker playing cards
Though you possibly can 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 charges).
That is a reasonably hefty value to pay, on condition that different enterprise card choices supply 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 finest enterprise playing cards for an excellent cause:
- It presents incredible worth for the frequent enterprise traveler.
- It is at present providing one of the beneficial welcome presents available on the market.
Should you’re capable of meet the hefty spending requirement throughout the allotted interval, it could possibly be an important addition to your enterprise pockets.
Nevertheless, in case you’re a enterprise proprietor who prioritizes decreasing overhead as a lot as doable, the Amex Enterprise Platinum card is probably not an excellent match for you, particularly when you think about what number of different nice enterprise playing cards may also be an excellent match to your enterprise.
To be taught extra, try our full overview 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 charges of the Amex Enterprise Platinum card, click on right here.
For charges and charges of the Amex Platinum, click on right here.
