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The Business Platinum Card® from American Express OPEN

The Business Platinum Card® from American Express OPEN

An Advertising Partner


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Your Rating:

4.0/5.0 from 10 Offer Ratings
Over the Past 60 Days!

(10) Over the Past 60 Days!

  • Regular Purchase APR N/A
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fees $450
  • Credit Needed


Card Details


  • Click "APPLY NOW" to apply online
  • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
  • The Business Platinum Card's premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses and access to one-of-a-kind events.
  • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.
  • 30% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 30% of the points back.
  • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.
  • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.
  • Terms & Restrictions Apply
  • See Rates & Fees

Card Fees

Late Payment Fees $38 or 2.99%, whichever is greater

Foreign Transaction Fee None

Balance Transfer Fee N/A

Cash Advance Fee N/A

Returned Payment Fee $38

Penalty APR N/A

Minimum Interest Charge $0.00

Ongoing Information

Rewards Cap No Cap

Rewards Rate 2x points when you book online with Amex Travel, 1x point per dollar on all other purchases

Annual Fee $450

Grace Period N/A

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the Editorial Team

American Express is known by many customers for their selectivity and premium card membership perks. The Business Platinum Card from American Express OPEN is no different, offering a slew of services, perks and warranty extensions every card owner would want. 

To start, there’s a limited time offer where card holders can receive 40,000 Membership Points® after spending $5,000 in purchases in the first 3 months of card membership. American Express Platinum Card members have access to three complimentary airport lounge programs; Centurion Lounges, Delta Sky Clubs®, and Airspace Lounges. Card members who are enrolled in Priority Pass™ Select have access to over 700 domestic and international lounges.

Cardholders can earn 1 point per dollar spent on eligible purchases and 2 points per dollar spent on eligible purchases on the American Express Travel website.* Like most AMEX cards, card members will also receive free room upgrades, breakfast for two, and other hotel perks at 600+ hotels worldwide. The staggering annual fee of $450 is something you need to weigh when deciding if this card is right for you and your business.

Expert Reviews of the The Business Platinum Card® from American Express OPEN

  • Regular APR

  • Intro APR

  • 4.0


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The Business Platinum Card is loaded with exclusive rewards and benefits simply for being a card member. The rewards points could be a little stronger, but perhaps that would change the number of perks you receive with this card. If business travel is commonplace for you, the $450 annual fee should balance out all the perks that come with this card, again, depending on how you plan to use this card.

The Good

Card members receive great travel perks like airport lounge access to over 700 airport lounges and $200 airline fee credit annually to use incidental air travel fees. Additionally, card holders will enjoy purchase and return protection, extended warranty on purchases, and concierge service.

The Not so Good

This card isn’t for the non-traveler or the businessman who’s strictly looking for working capital. Again, the annual fee is $450, but if your credit is good enough to get approved, the perks could really be worth it.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by American Express.

Consumer Reviews

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+8 users submitted a rating without a full review

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1 Found this review helpful

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By: | Dec 11, 2015

Great customer service! The value in the card is the service. The perks are aimed at the travel client.

2 Found this review helpful

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By: | Sep 26, 2014

The perks of this card are great for my business!

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