American Express Business Platinum Card

Last updated on: July 27, 2020
  • 45,000 Membership Rewards points
  • $499 Annual fee
Best offer is available via a referral link
Signup bonus:
45,000 MR points upon meeting minimum spending
Minimum spending:
$7,000 in the first three months
Annual fee:
Earning rate:
1.25 MR points per dollar spent all purchases
Referral bonus:
5,000 MR points per referral, up to a maximum of 225,000 MR points per calendar year
Perks & benefits:
Unlimited Priority Pass lounge access
Marriott Gold status
Fine Hotels & Resorts
Platinum Concierge

The Bonuses

For an annual fee of $499, the American Express Business Platinum Card offers 45,000 Membership Rewards points upon spending $7,000 within the first three months if applying via a referral link.

The standard offer on the Amex website is 35,000 MR points, while applying through a referral link gives you 45,000 MR points. Both have a higher annual fee of $499 and a minimum spending threshold of $7,000 in the first three months.

Note that this is an extremely low offer compared to the Business Platinum’s historic bonus level of 60,000 to 75,000 MR points. I’d recommend waiting for a better offer to return in the future before applying for this card.

You can also earn 5,000 MR points for every referral you make to any card in the Membership Rewards family, up to a maximum of 225,000 MR points per calendar year.

Rewards & Benefits

In terms of earning points on your everyday spending, the Business Platinum Card offers 1.25 MR per dollar spent on all purchases.

As with the Platinum Card, the Business Platinum also comes with similar travel-related benefits. You can earn instant Gold Elite status with Marriott’s hotel loyalty program, giving you benefits such as room upgrade, free internet, and late checkout when staying at hotels.

It’s worth deliberating on the lounge access benefits of the card. The Business Platinum Card grants complimentary access to Priority Pass lounges for you and one guest, as well as Plaza Premium lounges and American Express Centurion Lounges for you, your spouse, and two children under the age of 21 or one travelling companion.

Another outstanding benefit is access to American Express’s Fine Hotels & Resorts program, which allows you to book special rates at select luxury hotels around the world. These rates include perks such as suite upgrades, daily breakfast for two, and benefits unique to each property (examples include a private airport transfer or a spa & dining credit). The FHR program often pops up with third-night-free or fourth-night-free offers as well, meaning that there’s plenty of good deals to be had.

Lastly, the Platinum Concierge is worth a brief mention. They’re an extremely professional “global concierge” team that’s able to help you out with any and all requests you may have, wherever you are. In the past, they’ve helped me out with everything from restaurant bookings to last-minute flower orders.

They aren’t miracle workers, so don’t expect them to be able to snag a spot for you at the hottest restaurant in town for tomorrow evening, but they will proactively put you on the waitlist or look to confirm a spot for you on some future date. Personally, I do find it incredibly useful to have a capable, service-oriented Platinum Concierge just a call away.

Insurance Coverage

The insurance provided by the Business Platinum Card is extremely comprehensive. In fact, I’d say that the coverage provided by the Business Platinum is the most complete out of all the Membership Rewards cards, since the card offers both top-notch travel insurance benefits and insurance geared towards small business owners.

There’s the essential emergency medical insurance up to $5,000,000, travel accident insurance up to $500,000, and the usual assortment of insurance against flight delays, trip interruption, trip cancellation, car rental accidents, hotel burglaries, and lost, stolen, or damaged baggage. But there’s also the Disability Plan for Small Business, which covers you as a sole proprietor for up to $10,000 in the unfortunate event of permanent, total disability as the result of an accidental injury. In terms of insurance coverage, the Business Platinum Card offers the best of both worlds.

Apply Now

There's no minimum income requirement for this card, and while the Business Platinum Card is geared towards small business owners, you don't need to be a registered small business owner to apply.

If you’re interested in the card, consider applying via the below link to support the site and earn the maximum signup bonus of 45,000 MR points.


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