Business Platinum Card from American Express
Travel Rewards Business Premium / High-End

Business Platinum Card from American Express

American Express(Canada) American Express(Canada)
Welcome Bonus: Up to 120,000 Welcome Bonus Membership Rewards points
Annual Fee $799
Purchase APR 21.99%
Cash Advance 21.99%
Bonus Value $1,200

RateBuddy Verdict

The Good
  • The extensive business and travel statement credits (Dell, Indeed, Wireless, Travel) can easily offset the entire annual fee.
  • Unrivaled airport lounge access through the Global Lounge Collection, covering over 1,400 locations worldwide.
  • Allows businesses to add up to 99 Employee Business Gold Cards for $0 annually, consolidating rewards rapidly.
The Trade-offs
  • The flat 1.25x earning rate lacks the accelerated category multipliers found on cheaper business cards.
  • Requires active tracking and utilization of the various partner credits to justify the massive $799 annual fee.

Rewards & Earnings

Groceries 1.25%
Dining 1.25%
Gas 1.25%
Travel 1.25%
Recurring Bills 1.25%
Base Rate 1.25%
Rewards Summary: Earn 1.25X Membership Rewards points for virtually every $1 in purchases charged to your Card.

Welcome Bonus Details

Reinvest up to $1,200 in statement credits back into your business. Maximize cash flow with up to 55 interest-free days.

Estimated Value: $1,200

Features & Benefits

Airport Lounge Access
Access to 1,400+ global lounges
Travel Medical Insurance
Up to $5,000,000 for 15 days (under 65)
Mobile Device Insurance
Mobile Device Insurance up to $1,500
Car Rental Collision/Loss Damage Waiver
Coverage for vehicles up to $85,000 MSRP
Trip Cancellation/Interruption Insurance
Trip Cancellation up to $1,500/person
Extended Warranty Insurance
Buyer's Assurance extends warranty 1 year
Purchase Security Insurance
Purchase Protection for 90 days
Concierge Service
Concierge Service 24/7 access
NEXUS Application Fee Rebate
$100 NEXUS statement credit every 4 years
Flight Delay Insurance
Flight delay up to $1,000
Baggage Delay/Loss Insurance
Baggage delay up to $1,000
Hotel Status Benefits
Hilton Honors Gold & Marriott Bonvoy Gold Elite
Priority Airport Services (Check-in, Boarding)
Pearson Priority Security Lane access
Special Event Access (e.g., Front Of The Line)
Front Of The Line® access
Hotel/Motel Burglary Insurance
Hotel Burglary up to $1,000
Expense Management Tools
Expense Management Reports & 55 interest-free days
Employee Cards
Add up to 99 free Employee Business Gold Cards

Insurance Coverage

Comprehensive travel and business suite: Emergency Medical ($5M, 15 days), Trip Cancel/Interrupt, Flight/Baggage Delay, Car Rental Theft/Damage, Mobile Device ($1.5k), and Employee Card Misuse Protection ($100k).

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR21.99%
Annual Fee$799
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Travel Rewards Business Premium / High-End Rewards
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