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American Express · American Express · BUSINESS

Business Platinum

25 tracked perks. Here's everything this card actually offers — structured and kept current.

25
Perks tracked
$110,019
Est. value / yr
$695
Annual fee
verified yesterday
American Express
Business Platinum
$695/yrAMEX

Travel

17

Trip Cancellation and Interruption Insurance

$10,000

If a covered trip is cancelled or interrupted due to a covered reason, cardholders may be reimbursed up to $10,000 per trip and up to $20,000 per eligible card account per year for non-refundable travel expenses.

Travel insurance & protection

Baggage Insurance Plan

$3,000

Provides coverage for lost, damaged, or stolen baggage when the entire fare is charged to the card. Coverage is up to $3,000 for carry-on baggage and up to $2,000 for checked baggage per covered person.

Travel insurance & protection

Trip Delay Insurance

$500

When a covered trip is delayed by 6 or more hours due to a covered reason, cardholders and covered travelers may be reimbursed up to $500 per trip for eligible expenses such as meals and lodging.

Travel insurance & protection

Airline Fee Credit

$200

Cardholders receive up to $200 per year in statement credits for incidental airline fees (such as checked bags, seat upgrades, and in-flight refreshments) charged by one pre-selected qualifying U.S. airline.

Travel statement creditsenrollment required

CLEAR Plus Membership Credit

$189

Cardholders receive up to $189 per year as a statement credit toward a CLEAR Plus membership, which provides expedited airport security via biometric identity verification at participating airports.

Travel statement creditsenrollment required

Global Entry or TSA PreCheck Fee Credit

$100

Cardholders receive a statement credit of up to $100 for Global Entry or up to $85 for TSA PreCheck application fees once every 4.5 years when charged to the card.

TSA PreCheck / Global Entry

Hotel Collection and Fine Hotels + Resorts Access

Cardholders booking eligible stays through Amex Travel receive access to Fine Hotels + Resorts benefits including room upgrades when available, daily breakfast for two, guaranteed 4 PM late checkout, noon check-in when…

Travel statement credits

Hilton Honors Gold Status

Cardholders receive complimentary Hilton Honors Gold status, which includes an 80% bonus Hilton Honors points on stays, space-available room upgrades, and daily food and beverage credits at select properties.

Travel statement creditsenrollment required

International Airline Program

Cardholders have access to special discounted first, business, and premium economy fares on select international airlines when booking through Amex Travel.

Travel statement credits

Marriott Bonvoy Gold Elite Status

Cardholders receive complimentary Marriott Bonvoy Gold Elite status, which includes a 25% bonus points on stays, room upgrades subject to availability, and 2 PM late checkout when available.

Travel statement creditsenrollment required

No Foreign Transaction Fees

The card charges no foreign transaction fees on purchases made outside the United States or in foreign currencies.

Travel statement credits

Premium Global Assist Hotline

Cardholders traveling more than 100 miles from home have 24/7 access to a hotline providing emergency medical, legal, financial, and travel assistance coordination services.

Travel statement credits

35% Airline Bonus on Pay with Points

When using Membership Rewards points to pay for all or part of an eligible flight booked through Amex Travel, cardholders receive 35% of those points back (up to 1,000,000 points back per calendar year) on their…

Travel statement credits

Employee Card Fee Waiver

Additional employee cards (Business Platinum or Business Gold) can be added with the first employee Gold card at no additional annual fee; fee waivers may vary by card type added.

Travel statement credits

American Express Global Lounge Collection

Cardholders and authorized guests receive access to the American Express Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs (when flying Delta), Priority Pass Select lounges, Plaza Premium lounges,…

Airport lounge access

Amex Offers

Network-wide rotating statement-credit and bonus offers from travel, dining and retail partners.

Travel statement credits

Global Assist Hotline

24/7 emergency coordination for medical, legal, financial or travel help when 100+ miles from home.

Travel insurance & protection

Shopping & Purchases

3

Car Rental Loss and Damage Insurance

$75,000

When the entire rental cost is charged to the card and the primary rental insurance is declined, cardholders receive coverage for theft and damage to most rental vehicles up to $75,000.

Purchase protection

Extended Warranty

$10,000

Amex extends the original manufacturer's warranty by up to one additional year for eligible purchases with warranties of 5 years or less, up to $10,000 per item.

Extended warranty

Purchase Protection

$10,000

Eligible items purchased with the card are protected against accidental damage or theft for up to 90 days from the purchase date, up to $10,000 per occurrence and $50,000 per card account per year.

Purchase protection

Everyday & Lifestyle Credits

4

Dell Technologies Credit

$400

Cardholders receive up to $400 per year in statement credits for purchases at Dell Technologies, split as $200 semi-annually (January–June and July–December).

Dining creditsenrollment required

Indeed Hiring Credit

$360

Cardholders can receive up to $360 per year in statement credits for purchases on Indeed hiring platform, issued as $90 per quarter.

Dining creditsenrollment required

Adobe Creative Solutions Credit

$150

Cardholders receive up to $150 per year in statement credits for eligible Adobe Creative Cloud and Acrobat Pro purchases.

Dining creditsenrollment required

U.S. Wireless Telephone Credit

$120

Cardholders receive up to $120 per year in statement credits for purchases with U.S. wireless telephone service providers, issued as $10 per month.

Dining creditsenrollment required

Card Terms & Fees

1

$695 Annual Fee

$695 Annual Fee

Annual fee

Coverage limits, reset cadence, eligibility & sources

The full structured detail behind every perk — deductibles, coverage caps, reset windows, enrollment rules, confidence scores and the source citation — is available through the API.

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