American Express Business Platinum Card®
$895 a year.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee: $895 ¤†”
- Foreign transaction fee
- Issuer's pageamericanexpress.com
“No Foreign Transaction Fees ¤”
We don’t earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$825 | −$825 |
| Typical spender | −$715 | −$715 |
| Heavy spender | −$500 | −$500 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 2x Eligible purchases in key business categories, or single purchases of $5,000 or more; points valued at 0.6¢, the program's statement credit for eligible charges value; not counted: 5x Flights booked through American Express Travel, including flights booked on AmexTravel.com; not counted: 5x Prepaid hotels booked through American Express Travel, including Fine Hotels + Resorts® and The Hotel Collection®.
Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
How you earn · Membership Rewards®
- 5× pointsFlights booked through American Express Travel, including flights booked on AmexTravel.com
- 5× pointsPrepaid hotels booked through American Express Travel, including Fine Hotels + Resorts® and The Hotel Collection®
- 2× pointsEligible purchases in key business categories, or single purchases of $5,000 or more
- 1× pointsEverything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee: $895 ¤†” |
|---|---|
| Foreign transactions | Issuer's pageamericanexpress.com “No Foreign Transaction Fees ¤” |
| Grace period | Issuer's pageamericanexpress.com “Depending on when you make a purchase on your Card, you have between 25 to 53 days to pay with no interest if you have paid the prior month's statement balance and current statement balance in full by the due date” |
Carrying a balance? See how long it takes to pay off
Benefits
- Hotel Credit: $300 semiannual
- Hilton Credit: $50 quarterly
- Airline Fee Credit: $200 annual
- CLEAR+ Credit: $219 annual
- Global Entry Application Fee Credit: $120 every 4 years
- TSA PreCheck Application Fee Credit: $85 every 4 years
- Dell Technologies Credit: $150 annual
- Dell Technologies Additional Credit: $1,000 annual
- ChatGPT Business Credit: $300 annual
- Adobe Credit: $250 annual
- Indeed Credit: $90 quarterly
- Wireless Credit: $10 monthly
- American Express One AP Statement Credit: $2,400 annual
- Amex Travel Online Flight Statement Credit: $1,200 annual
- The Hotel Collection Credit: $100 other
- Global Entry or TSA PreCheck application fee credit every 4 years
- Access to The Centurion Lounge
- 10 complimentary Delta Sky Club visits each year when flying on an eligible Delta flight
- Priority Pass Select membership, enrollment required
- Access to other select partner lounges
- Leaders Club Sterling Status from The Leading Hotels of the World, enrollment required
- Marriott Bonvoy Gold Elite Status, enrollment required
- Hilton Honors Gold Status, enrollment required
- Complimentary premium status for select Avis, Hertz, and National car rental programs, enrollment required
- 35% of points back after using Pay with Points for flights booked through Amex Travel with a selected qualifying airline, up to 1,000,000 points back per calendar year
- Fine Hotels + Resorts complimentary suite of benefits with an average total value of $550 per stay
- No foreign transaction fees
- Platinum Travel Consultants
- Premium Global Assist Hotline with 24/7 medical, legal, financial, and other select emergency coordination and assistance while traveling more than 100 miles from home
- Global Dining Access by Resy
- Platinum Nights by Resy
- Amex Presale Tickets and Amex Reserved Tickets access
- No Preset Spending Limit
- Pay Over Time
- Employee Cards, including Merchant Category Alerts and a no annual fee option
- Connect to QuickBooks
- Account Manager
- Year-End Summary
- Vendor Pay by Bill.com
- Cash flow flexibility of between 25 and 53 days to pay with no interest when prior and current statement balances are paid in full by the due date
- Rental car
- Trip delay: Up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period
- Trip cancellation: Up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period
- Baggage: Up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage; subject to a $3,000 aggregate limit per covered trip
- Cell phone: Up to $800 per claim, limit of 2 approved claims per 12-month period
- Extended warranty
- Purchase protection: Up to $10,000 per covered purchase, up to $50,000 per calendar year
Questions
- What is the annual fee?
- $895 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. americanexpress.com, since Oct 4, 2026
Other points cards with fees over $300
- Bilt PalladiumBilt · $495 a year+$930 a year
- American Express The American Express® Gold CardAmerican Express · $325 a year+$765 a year
- Atmos Rewards Summit Visa InfiniteBank of America · $395 a year+$690 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).