Travel Rewards
Business
Premium / High-End
Business Platinum Card from American Express
American Express(Canada)
Current Welcome Offer
Up to 120,000 Welcome Bonus Membership Rewards points
Annual Fee
$799
Purchase APR
21.99%
Cash Adv. APR
21.99%
Welcome Bonus
~$1200
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 & Takeout 1.25%
Gas & Transit 1.25%
Travel 1.25%
Base Rate 1.25%
Rewards Summary: Earn 1.25X Membership Rewards points for virtually every $1 in purchases charged to your Card.
- All Purchases: 1.25X Points
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: $1200.00
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 LineĀ® 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
Additional Perks
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Insurance Coverage
Employee Card Misuse Protection
Up to $100,000 of coverage per Cardmember for eligible unauthorized charges by terminated employees.
Emergency Medical Insurance
Up to $5,000,000 for the first 15 days (under age 65).
Trip Cancellation/Interruption
Cancellation: Up to $1,500/person (max $3,000). Interruption: Up to $1,500/person (max $6,000).
Flight and Baggage Delay
Flight/Boarding Denial (>4 hours): Up to $1,000. Baggage Delay (>6 hours): Up to $1,000.
Car Rental Theft & Damage
Coverage for MSRP up to $85,000 for rentals of 48 days or less.
Mobile Device Insurance
Up to $1,500 per insured person for theft, loss, or accidental damage (max 2 years).
Purchase Protection & Buyer's Assurance
Protection for 90 days (up to $1,000). Extended warranty doubles up to one additional year.
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 21.99% |
| Annual Fee | $799 |
| Income Required | No specific requirement listed. |