The Amex Business Platinum Could Earn You $3,000+ in 2026

Published on Jan. 24, 2026

Joel O'Leary

By: Joel O'Leary

Full-Time Personal Finance Writer

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Running a business can be a thankless job. But if you're holding the right credit card, at least your spending can earn you rewards and make life easier.

That's why The Business Platinum Card® from American Express is a popular option. With a massive welcome offer, valuable credits, and VIP travel perks, this card can easily give you over $3,000 in value this year for the right kind of spender.

Here's how it adds up.

​​A huge welcome offer worth $2,000 or more

The current welcome offer on the Amex Business Platinum Card is a big one:

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.

Those points can be worth around $2,000 in travel at a Motley Fool Money estimation of $0.01 per point -- possibly more if you transfer to airline partners or jump on special offer redemptions.

Yes, the minimum spend requirement is steep, but it's doable if you've got big Q1 purchases planned.

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The Business Platinum Card® from American Express

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The Business Platinum Card® from American Express
4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent
Apply Now for The Business Platinum Card® from American Express

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Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

17.74% - 28.49% Variable

Rewards Circle with letter I in it. • 5X points on flights and prepaid hotels booked on AmexTravel.com • 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. • 1X points on other eligible purchases

1X - 5X points

Annual Fee

$895

Welcome Offer Circle with letter I in it. Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.

200,000 Membership Rewards® points

  • If business travel is a priority, this card brings premium rewards and perks. Earn 5X points on flights and prepaid hotels booked on AmexTravel.com, plus 2X on eligible purchases of $5,000 or more. With access to 1,550+ lounges, annual travel credits, and TSA PreCheck/Global Entry fee credit, frequent flyers can easily offset the $895 fee and enjoy more comfort on the road. (Terms apply.)

    • Versatile rewards points
    • Huge welcome offer
    • Airport lounge access
    • Complimentary elite statuses
    • Tons of statement credits
    • High annual fee
    • Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
    • See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
    • Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
    • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
    • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
    • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
    • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
    • Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
    • Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
    • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
    • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
    • 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
    • 5X points on flights and prepaid hotels on AmexTravel.com
    • 1X points on other eligible purchases
    • $895 Annual Fee.
    • Terms Apply.

Everyday spending can rack up another $1,000+

The Amex Business Platinum Card earns ongoing points for regular spending, which can really add up throughout the year.

Here's a scenario for a typical small business owner who takes a couple of trips and spends around $50,000 annually (estimated by Motley Fool Money):

  • $10,000 on flights and hotels booked through AmexTravel.com (Earns 5X points = 50,000 points)
  • $20,000 in 2X categories like software, cloud services, shipping, or $5K+ purchases (Earns 2X points = 40,000 points)
  • $20,000 on general business expenses (Earns 1X points = 20,000 points)

That's 110,000 Membership Rewards® points, worth about $1,100 when redeemed for travel at $0.01 per point -- or potentially more with strategic redemptions.

Annual credits that help offset the fee

The Amex Business Platinum Card has an $895 annual fee (see rates and fees).

But the card is packed with statement credits and travel perks, many of which are easy to redeem if you're running a modern business. Even without using all of them, the value adds up fast.

Here are just a few of the key perks:

  • Up to $600 per year in hotel credits when booking Fine Hotels + Resorts® or The Hotel Collection properties through Amex Travel. (Two $300 credits, semi-annually. Two-night minimum stay on Hotel Collection bookings.)
  • $200 airline fee credit -- Reimburses things like checked bags and seat selection on one qualifying airline.
  • $200 at Hilton properties (via Hilton For Business) Great for conferences, client stays, or work trips.
  • $150 Dell credit + $1,000 Dell bonus credit If you spend $5,000+ per year at Dell, you could get back $1,150 in total.
  • $250 Adobe credit For small businesses using Creative Cloud or Acrobat Pro, this is easy money. ($600 minimum spend required)
  • $360 Indeed credit Up to $90 per quarter when hiring or posting jobs.
  • Access to 1,550+ airport lounges across 140 countries with the American Express Global Lounge Collection®
  • Terms apply; enrollment may be required

Just using a few of these can more than offset the annual fee. If you're regularly booking hotels, buying tech, or flying for work, these credits can unlock thousands more in statement value per year.

Final thoughts

The Business Platinum Card® from American Express isn't for everyone. The people who'll get the most value are already spending heavily on travel, tech, shipping, and wherever the perks and credits align.

If that sounds like you, this card can turn regular business expenses into thousands of dollars in rewards and benefits. If not, it might be worth looking at a lower-fee option that better fits your needs.

Compare the best small business credit cards and find the one that fits your spending style.

Our Research Expert

Joel O'Leary
Joel O'Leary icon-button-linkedin-2x

Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.