American Express Business Platinum

The American Express Business Platinum charges a $895 annual fee. In our review it earns a fees score of 9/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Businesses with real travel volume and enough categorical spend to work the credit stack: 5x Membership Rewards on flights and prepaid hotels booked through Amex Travel, 2x on eligible purchases of $5,000+ and on select business categories (up to $2 million/yr combined), Centurion + Priority Pass lounge access, and a credit stack built for operating expenses — Dell ($150 base, up to $1,000 more after $5,000 in eligible spend), Indeed (up to $360/yr), CLEAR+ ($219/yr), airline incidentals ($200/yr), and Fine Hotels + Resorts/Hotel Collection ($600/yr). At full utilization the $895 fee clears for a business that travels and spends into these buckets.

17.74% – 28.49% variable (Pay Over Time). APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

No. The American Express Business Platinum has no foreign transaction fee, so it works cleanly for purchases abroad.

Businesses with real travel volume and enough categorical spend to work the credit stack: 5x Membership Rewards on flights and prepaid hotels booked through Amex Travel, 2x on eligible purchases of $5,000+ and on select business categories (up to $2 million/yr combined), Centurion + Priority Pass lounge access, and a credit stack built for operating expenses — Dell ($150 base, up to $1,000 more after $5,000 in eligible spend), Indeed (up to $360/yr), CLEAR+ ($219/yr), airline incidentals ($200/yr), and Fine Hotels + Resorts/Hotel Collection ($600/yr). At full utilization the $895 fee clears for a business that travels and spends into these buckets.

Businesses whose spend doesn't clear the $5,000-per-purchase or $2M/yr category thresholds for the 2x tier (most falls back to 1x), and any owner who won't actively work a credit stack spread across Dell, Indeed, CLEAR, hotels, and ChatGPT Business — each on its own calendar-year or semiannual timer with its own enrollment.

American Express Business Platinum scored 67/100 — "Niche / conditional". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.