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American Express Business Platinum
AMERICAN EXPRESSBUSINESS

American Express Business Platinum

9 credits worth $2,179 at face value against an $895 annual fee. 6 of them pay nothing until you enroll.

UPDATED OCT 20269 CREDITS TRACKED6 NEED ENROLLMENT
ANNUAL FEE
$895/ year
Credits at face value$2,179
Break-even41%
Track these credits free →

Open the full American Express Business Platinum calculator →

All 9 credits, by how often they reset

Monthly

1 CREDIT · $120 / YR
Wireless Credit$10
12 × $10 = $120
ENROLL
Up to $10 in statement credits each month for eligible wireless service charges from major carriers.

Quarterly

2 CREDITS · $560 / YR
Hilton Statement Credit$50
4 × $50 = $200
ENROLL
Up to $50 in statement credits each quarter for eligible purchases at participating Hilton properties worldwide.
Indeed Credit$90
4 × $90 = $360
ENROLL
Up to $90 in statement credits each quarter for eligible Indeed job posting and recruitment services.

Semi-annual

1 CREDIT · $600 / YR
Hotel Credit$300
2 × $300 = $600
AUTO
Up to $300 in statement credits semi-annually (January to June, and July to December) for prepaid Fine Hotels + Resorts® and The Hotel Collection bookings made through American Express Travel.

Once a calendar year

4 CREDITS · $869 / YR
Airline Fee Credit$200
$200
ENROLL
Enrollment required. Up to $200 in statement credits per calendar year for incidental airline fees charged by your selected qualifying airline. Eligible fees include baggage fees, flight-change fees, in-flight food and beverage purchases, and airport lounge day passes.
Clear Plus Credit$219
$219
AUTO
Up to $219 in statement credits per calendar year when you pay for a CLEAR+ membership with your eligible card. Enrollment required. Membership renews automatically.
ChatGPT Business Credit$300
$300
ENROLL
Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions. Enrollment required. Subscription renews automatically.
Dell Credit$150
$150
ENROLL
Up to $150 in statement credits each calendar year for eligible Dell Technologies purchases including computers, monitors, and accessories.

Included perks

NOT COUNTED IN TOTAL
Priority Pass Select (No Restaurants)Priority Pass membership with free lounge entry for you and up to 2 guests. Enroll through Amex first. Priority Pass restaurants are not included.
Included
Centurion Lounge AccessFree entry to Amex Centurion Lounges when you fly any airline that day. Guests cost $50 each ($30 for ages 2-17). Arrive no more than 3 hours before departure.
Included
Delta Sky Club Access10 Delta Sky Club visits a year when you fly Delta that day. Basic Economy fares don't qualify. Guests cost $50 each and can't use your visits.
Included
THE PART PEOPLE MISS6 of 9 credits pay nothing until you enroll

That’s $1,330 of face value sitting behind a form. Enrollment is one-time per credit and never applies retroactively.

Indeed Credit$360
ChatGPT Business Credit$300
Airline Fee Credit$200
Hilton Statement Credit$200
Dell Credit$150
Wireless Credit$120

All of them live in the Benefits section of your issuer’s website.

Recent updates

VIEW ALL
ADDED
May 12, 2026

Amex launched a $25/month ChatGPT Business statement credit on the Business Platinum Card starting May 12, 2026. Covers ChatGPT Business subscriptions purchased directly from OpenAI. Two-seat minimum required.

ChatGPT Business CreditRead more →

Where to use this card

🏨Amex FHR + The Hotel Collection3428 LOCATIONSAll 1,900+ Fine Hotels + Resorts and 1,400+ Hotel Collection properties on one map. Both take the Amex Platinum $600/year hotel credit. FHR adds free breakfast, a $100 property credit, and 4pm checkout. THC gives the $100 credit on 2-night stays.Browse map →🛫Airport Lounges48 LOCATIONSEvery Centurion Lounge, Chase Sapphire Lounge, and Capital One Lounge, with terminal and hours. See which airports your Amex Platinum, Sapphire Reserve, or Venture X gets you into.Browse map →

How it compares

CHASEvs. Sapphire Reserve for BusinessCompare →MAPSWhere these credits workOur own hotel list, searchable by city.Open the map →

Frequently asked questions

What is the American Express Business Platinum annual fee?

The American Express Business Platinum has an annual fee of $895. This is a business credit card.

Is the American Express Business Platinum worth it?

The American Express Business Platinum offers $2,179 in annual benefits with a $895 annual fee, for a net value of $1,284. It can be worth it if you use the key benefits like Hotel Credit, Indeed Credit, ChatGPT Business Credit.

What benefits does the American Express Business Platinum include?

The American Express Business Platinum includes 12 benefits, including Hotel Credit ($600/year), Indeed Credit ($360/year), ChatGPT Business Credit ($300/year), Clear Plus Credit ($219/year), Airline Fee Credit ($200/year).

Who should get the American Express Business Platinum?

The American Express Business Platinum is ideal for people who spend on business services and can maximize the $2,179 in annual benefits to offset the $895 annual fee.

How does the Amex Business Platinum compare to Chase Sapphire Reserve for business?

The Amex Business Platinum offers $2,179 in annual benefits with a $895 annual fee. Compare it directly with the Chase Sapphire Reserve for Business to see which offers better value for your spending patterns.

Can I get the American Express Business Platinum as a personal card?

The American Express Business Platinum is a business credit card. Amex also offers a personal Platinum Card with similar benefits.

What statement credits does the American Express Business Platinum have?

The American Express Business Platinum includes 9 statement credits: Hotel Credit, Indeed Credit, ChatGPT Business Credit, Clear Plus Credit, and 5 more. Together they provide $2,179 in annual value.