Amex Enterprise Platinum Card overview: Full particulars

The Enterprise Platinum Card from American Specific overview

The Enterprise Platinum Card® from American Specific is without doubt one of the greatest enterprise rewards playing cards round, because of its massive welcome bonus and the sheer variety of value-added perks. Whereas it requires some work to take full benefit of them, the trouble can repay, with financial savings of a whole bunch and even hundreds of {dollars} per 12 months. Card score*: ⭐⭐⭐⭐

* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

With premium playing cards on the forefront of the bank card market, many individuals are comfy paying annual charges of over $400.

The Enterprise Platinum Card from American Specific is Amex’s prime enterprise card providing. The cardboard was simply refreshed, including new assertion credit and advantages and bettering its bonus class incomes charges. Plus, for these concerned about limited-edition card designs, there is a new mirror card design that might give the Centurion Card from American Specific a run for its cash.

The knowledge for the Centurion Card from American Specific has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Nevertheless, the cardboard did see a 29% annual price enhance to $895 per 12 months (see charges and costs). Present cardmembers will see it take impact Dec. 2, 2025.

Whereas the upper annual price may very well be powerful to abdomen, the cardboard’s annual assertion credit and advantages go above and past and may also help to offset that yearly value.

That mentioned, this card definitely will not be appropriate for each small enterprise — particularly ones that do not journey incessantly or ones with main spending areas not coated by this card’s bonus classes.

We suggest candidates have a great to wonderful credit score rating to extend their possibilities of getting authorised.

Let’s dive into the cardboard particulars so you possibly can determine if it is a good match for your small business.

Associated: get a enterprise bank card

Amex Enterprise Platinum execs and cons

**Enrollment is required for choose advantages.

Amex Enterprise Platinum welcome provide

Proper now, for a restricted time, new Amex Enterprise Platinum candidates can earn 200,000 bonus factors after spending $20,000 throughout the first three months of card membership.

TPG’s September 2025 valuations peg the Membership Rewards factors this card earns at 2 cents apiece. So, when you can handle this provide’s excessive spending requirement, you may obtain $4,000 in worth.

That is the very best public welcome provide we have seen on this card, making now a good time to use when you’ve been contemplating this card.

It is vital to notice that Amex has software restriction guidelines, together with a once-in-a-lifetime rule. When you have or have held this card up to now, you will not be eligible to obtain a welcome provide.

Whereas $20,000 in three months won’t be exhausting for companies with a whole lot of money circulate, in case your enterprise is smaller, you can think about prepaying as many bills as you possibly can afford throughout your first three months to assist earn your welcome provide.

A number of years in the past, I met the minimal spending requirement by paying my taxes and protecting some residence enchancment bills for relations that I used to be later reimbursed for.

Alternatively, if this sort of spending is out of your league, one other enterprise card with a decrease bonus threshold, a smaller annual price and extra focused incomes classes is perhaps a greater match for you in the long term.

Amex Enterprise Platinum advantages

The Amex Enterprise Platinum has a number of assertion credit simply totaling over $3,500 in annual worth. These may also help cardmembers doubtlessly offset the preliminary shock of that top annual price.

This is a detailed take a look at all of them (enrollment is required for choose advantages).

Assertion credit

Lounge entry

Together with the plethora of assertion credit you could (or might not) have the ability to use, the Amex Enterprise Platinum shines via with its different journey perks.

Other than providing entry to Amex’s Centurion Lounges, your card will open the door to the in depth American Specific International Lounge Assortment (entry is restricted to eligible cardmembers). It’s composed of greater than 1,700 lounges worldwide, together with Delta Sky Golf equipment, which you’ll be able to enter when you could have an eligible same-day flight on that airline, Precedence Move areas (enrollment is required; restaurant areas are excluded), Escape lounges and Lufthansa lounges when you could have a same-day flight on Lufthansa.

Nevertheless, it is price noting that you simply’re restricted to 10 complete Delta Sky Membership visits per 12 months — except you spend $75,000 in a calendar 12 months to unlock limitless entry.

Resort and automobile rental standing

As for advantages that come in useful when you attain your vacation spot, this card means that you can register for complimentary Gold standing with Hilton Honors and Marriott Bonvoy, which offer greater earnings and elevated advantages throughout stays with these two manufacturers.

It’s also possible to now enroll for Leaders Membership Sterling standing from The Main Motels of the World. LHW is a set of impartial resorts throughout the globe. With standing, you may obtain advantages like upgrades and the flexibility to earn factors.

Cardmembers additionally get pleasure from complimentary elite automobile rental standing with a number of packages, together with Avis Most popular, Hertz Gold Plus Rewards and Nationwide Emerald Membership. Enrollment could also be required.

Buying protections

As you may think, the Amex Enterprise Platinum Card can also be nice for enterprise purchases. It options prolonged guarantee safety‡ that prolongs eligible U.S. producer warranties of 5 years or much less by a further 12 months, saving enterprise house owners money and time if one thing occurs to an merchandise they purchase.

Moreover, the cardboard’s buy safety‡ covers unintended harm or theft for as much as 90 days after buy (as much as $10,000 per coated buy and $50,000 per cardmember account per calendar 12 months), so it is a fantastic alternative for costly gadgets.

Different notable advantages

The cardboard’s different standout perks embody:

My ideas on these advantages

This refresh did not add a lot to the advantages aspect apart from the brand new $600 lodge credit score (as much as $300 again in assertion credit semiannually on pay as you go Effective Motels + Resorts or The Resort Assortment bookings via American Specific Journey®), which matches the one discovered on The Platinum Card® from American Specific. The Resort Assortment requires a minimal two-night keep.

The American Specific Journey flight credit score and the Amex One AP credit score are good when you can organically attain the spending requirement, however they should not be a needle mover for many.

I battle to make use of many of the credit on this card and would have most popular some extra common credit. The brand new Leaders Membership Sterling standing is a welcome addition, however I doubt I’ll achieve any actual worth from it since I hardly ever keep at impartial resorts. These new additions, to me, do not justify the $200 annual price enhance.

‡Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm.§Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

Associated: Is the Amex Enterprise Platinum well worth the annual price?

Incomes factors on the Amex Enterprise Platinum

Amex Enterprise Platinum Card holders will earn:

5 factors per greenback spent on airfare and pay as you go lodge purchases with American Specific Journey (10% return, based mostly on TPG’s valuations)2 factors per greenback spent on as much as $2 million in eligible purchases within the U.S. per calendar 12 months (then 1 level per greenback thereafter) within the following classes: eligible purchases of $5,000 or extra, U.S. cloud service suppliers, U.S. building supplies and {hardware} provides, U.S. digital items retailers, U.S. delivery suppliers and U.S. software program^ (4% return)1 level per greenback spent on all different purchases (2% return)

^Beforehand, cardmembers used to earn 1.5 factors per greenback spent.

As a cardmember, I am upset this refresh did not broaden incomes charges on the flights and resorts class. Solely incomes 5 factors per greenback spent on flights and resorts booked via Amex Journey is a bit too restrictive for my liking.

I might favor the choice to decide on how I ebook, particularly when playing cards just like the Chase Sapphire Reserve for Enterprise℠ (see charges and costs) provide elevated earnings on resorts and flights booked immediately.

The incomes charges make it powerful to justify preserving this card 12 months after 12 months, even with all of the assertion credit, as I primarily simply use it as a coupon ebook and for lounge entry.

Associated: Amex Enterprise Platinum vs. Chase Sapphire Reserve for Enterprise: Which premium enterprise card takes the crown?

Redeeming factors on the Amex Enterprise Platinum

We suggest transferring your Membership Rewards factors to any of Amex’s lodge and airline companions for max worth.

It’s also possible to redeem your factors for service provider present playing cards or to cowl fees in your invoice. Nevertheless, these choices considerably devalue your rewards to 1 cent per level or much less, so we do not suggest utilizing your factors this manner.

The best redemption possibility that also affords respectable worth is Amex Journey’s Pay with Factors characteristic. Like I discussed earlier than, having this card means that you can obtain a 35% bonus while you use factors towards any cabin flight in your designated airline.

This boosts your redemption worth for these purchases from 1 cent to 1.54 cents per level.

Simply word that the 35% bonus is capped at 1 million factors again per calendar 12 months, and you could have the total variety of factors for the usual redemption in your account on the time of reserving. Any factors you are getting again with this profit will arrive inside two billing cycles.

Transferring factors on the Amex Enterprise Platinum

You may unlock much more worth out of your earnings by transferring your Membership Rewards factors to any of Amex’s 20 airline or lodge companions. Most transfers happen at a ratio of 1:1 and are processed immediately.

Going this route might require some analysis, however somewhat work may also help enhance the worth of your factors considerably above our valuations.

You will additionally wish to look ahead to Amex’s common switch bonuses, which may additional enhance the worth of your factors.

I incessantly obtain outsize worth by transferring factors to Air Canada Aeroplan to ebook lie-flat seats on Star Alliance companions, akin to United Polaris business-class flights to Europe. I additionally prefer to switch factors to Air France-KLM Flying Blue to reap the benefits of this system’s frequent award promo gross sales.

Associated: Finest methods to make use of Amex Membership Rewards factors, from business-class flights to Europe to budget-friendly lodge stays

Which playing cards compete with the Amex Enterprise Platinum?

For those who really feel that your small business won’t have the ability to get the total worth out of the Enterprise Platinum, you may wish to think about different choices:

In order for you a decrease annual price and better incomes charges: The American Specific® Enterprise Gold Card affords related redemption choices to the Enterprise Platinum however for a decrease annual price of $375 (see charges and costs). It is a sensible choice when you have all kinds of enterprise bills, because it adjusts to your prime two spending classes every billing cycle. To be taught extra, please learn our full overview of the Amex Enterprise Gold.If you do not need business-specific advantages: The Amex Platinum Card is the non-public model of this card. You will nonetheless earn useful Membership Rewards factors, obtain vital worth in annual assertion credit and achieve entry to the identical in depth community of airport lounges worldwide. To be taught extra, please learn our full overview of the Amex Platinum.If you wish to earn Chase Final Rewards factors: The Chase Sapphire Reserve for Enterprise has a barely decrease annual price of $795. It is a sensible choice when you just like the sound of a versatile $300 annual journey credit score and spend loads on promoting, in addition to flights and resorts booked immediately. To be taught extra, please learn our full overview of the Sapphire Reserve for Enterprise.

For added choices, take a look at our full record of the very best enterprise bank cards.

Learn extra: Amex Enterprise Gold vs. Amex Enterprise Platinum: Battle of the premium small-business playing cards from American Specific

Backside line

Regardless of a current refresh with a brand new greater annual price, the Amex Enterprise Platinum Card remains to be a superb alternative for enterprise vacationers who spend loads in its bonus classes and with the retailers coated by its assertion credit.

Whereas it won’t be price it for all enterprise house owners, its journey perks are exhausting to beat for the best cardmember.

Apply right here: The Enterprise Platinum Card from American Specific

For charges and costs of the Amex Enterprise Platinum, click on right here.For charges and costs of the Amex Enterprise Gold, click on right here.