How to Maximize the AmEx Business Platinum Card
You can make the most of this card by using its numerous travel perks, from lounge access to elite hotel status.

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The Business Platinum Card® from American Express offers an excellent combination of rewards, benefits and premium travel perks in exchange for a $695 annual fee (see rates and fees). It regularly ranks among the top luxury travel credit cards for business owners thanks to benefits like airport lounge access, hundreds of dollars in annual credits for travel and other purchases and extensive built-in protections. Terms apply.
Whether you have the card already or you’re considering applying, these power user tips can help you maximize The Business Platinum Card® from American Express.
How to get the most from The Business Platinum Card® from American Express
Score the sizeable welcome offer
If you are new to The Business Platinum Card® from American Express, you can start with a new cardmember welcome offer: Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25. Terms Apply.
Not all businesses spend $5,000 per month on average, so to help you earn the bonus, consider whether you can prepay some expenses on the card during the first three months. Insurance, quarterly estimated tax payments, inventory and supplies are common purchases you might have to make in the near future that could help you hit the minimum spend.
» Learn more: AmEx Membership Rewards: How to earn and use them
Earn maximum points for regular spending
Valuable Membership Rewards points are one of the biggest reasons to get this card. When you use the card, you earn 5 points per dollar spent on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked at AmexTravel.com; and 1.5 points per dollar on large purchases of $5,000 or more (up to two million extra points per year) and purchases at U.S. construction material and hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers. You'll earn 1 point for each dollar you spend on eligible purchases. Terms apply.
The 5x rate for flights, prepaid hotels, short-term rentals and prepaid flight and hotel packages booked through American Express Travel is particularly lucrative. If you’re shopping around for flights and hotels, be sure to check on prices here to potentially earn more rewards.
Turn your points into miles for higher redemption values
If you redeem points through the American Express portal, you’ll likely find redemption offers that give you a value of around 0.5 to 1 cent per point. Savvy cardholders can sometimes get even more value per point by transferring them to the loyalty programs of a long list of airline and hotel partners. Terms apply.
For example, you could transfer points to Avianca LifeMiles and use those miles to book flights on United or Lufthansa. Bookings for a United flight in the U.S. on Avianca are available for 10,000 LifeMiles or less in some cases. If you use them well, you can get a great value per point. In the example below, an economy-class flight on United from Denver to Santa Barbara, California, costs $249 in cash.

But you could book that same flight on United for 10,000 Avianca LifeMiles. Because American Express Membership Rewards points can be converted to Avianca LifeMiles program at a 1:1 transfer rate, using miles for this flight gets you a value of about 2.5 cents per point.

Other Membership Rewards transfer partners include Delta, British Airways, Singapore Airlines and Etihad.
Take full advantage of the $200 airline fee credit
For regular travelers, this card’s annual $200 airline fee credit is almost as good as cash. Once you have your card, pick one airline where you’ll get up to $200 back in the form of statement credits for incidentals like baggage fees and inflight purchases every year. And you can change your preferred airline in January of each year. Terms apply.
You can use the credit to pay for checked bags, upgrade your seat, buy a snack on the plane, or any of a number of other incidental purchases from your airline.
Access airport lounges
If you prefer the sanctity of an airport lounge to hanging out in a busy terminal, this credit card may be your best choice. This card includes access to more than 1,300 lounges worldwide, including the American Express Centurion Lounge network and the International American Express Lounges.
The card also includes a Priority Pass Select membership, which you need to activate first, and access to Delta Sky Club lounges when flying on Delta Air Lines. Cardholders can also access the Delta Sky Club when flying Delta up to 10 visits per year (though they can earn unlimited Delta Sky Club visits if they spend $75,000 on the card in a calendar year). Terms apply.
Take the express lane with Global Entry or TSA PreCheck
Standing in lines is one of the worst parts of airport travel, but you can take a fast lane in many airports when you have a Global Entry or TSA PreCheck membership. If you pay for a membership with your card, you’ll get a credit every four years to cover the cost of Global Entry or every 4.5 years for TSA PreCheck. Terms apply.
Global Entry includes PreCheck benefits, so it’s worth signing up for the more expensive program, effectively for free, if you travel internationally.
Activate elite hotel status
When checking into a hotel, it’s nice to hear you got a room upgrade or other elite traveler perk. The Business Platinum Card® from American Express includes complimentary upgrades to Marriott Bonvoy Gold Elite status and Hilton Honors Gold Status, which come with benefits like accelerated points earning on every stay and space-available late checkout. Enrollment required. Terms apply.
Enroll in both hotel programs, request Gold elite status and American Express will confirm your eligibility to the hotel loyalty programs, getting you a more luxurious experience nearly anywhere you travel. Terms apply.
Take advantage of travel and purchase protections
AmEx cards often come loaded with premium purchase and travel benefits — and this card doesn’t disappoint. Benefits include trip delay insurance, trip cancellation and interruption insurance, rental car insurance, baggage insurance and other protections to save you money and help ensure smooth travels. Terms apply.
When swiping, tapping, dipping or using your card to pay in any other way, eligible new items are covered by purchase protection and an automatic extended manufacturer’s warranty.
» Learn more: You can now use AmEx points to bid on flight upgrades
Get to know your other credits and perks
A few more valuable features included with The Business Platinum Card® from American Express are below.
Up to $400 Dell statement credit: Get up to $400 back every year ($200 in the first half of the year and $200 in the second half of the year) for eligible purchases from Dell Technologies. Enrollment required.
Up to $360 Indeed statement credit: Get up to $360 back every year for purchases with the job search company Indeed. Enrollment required.
Up to $150 Adobe statement credit: Get up to $150 back every year on select subscription plans with Adobe. Enrollment required.
Up to $120 in statement credits for wireless telephone service: Get up to $10 back each month on your cell phone bill. Enrollment required.
Fine Hotels & Resorts: When you book a hotel in this program you can get benefits like free daily breakfast for two, room upgrades, late check-out, early check-in, free Wi-Fi internet or a hotel amenity valued at $100.
Card concierge: Outsource your to-do list with this complimentary benefit. A card concierge can make bookings, shop for deals and more for you and your business.
No foreign transaction fees: As one would expect with a premium travel rewards card, this card charges no foreign transaction fees when you use it outside of the United States.
35% airline bonus: When you redeem Membership Rewards for an eligible first class or business class flight, you’ll get 35% of your points back up to 1,000,000 points per year.
Terms apply.
The bottom line
This credit card has so many benefits, it’s almost overwhelming. To make sure you don’t miss out, take time to review all of the card’s benefits.
The $695 annual fee isn’t negligible, but when you take a few simple steps to get the most from The Business Platinum Card® from American Express, the benefits can add up to well over the annual cost. Terms apply.
Insurance Benefit: Trip Cancellation and Interruption Insurance
The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by New Hampshire Insurance Company, an AIG Company.
Insurance Benefit: Trip Delay Insurance
Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by New Hampshire Insurance Company, an AIG Company.
Insurance Benefit: Baggage Insurance Plan
Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company.
Insurance Benefit: Car Rental Loss & Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2025:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Autograph® Card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
Chase Sapphire Preferred® Card
Travel
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