The Enterprise Platinum Card from American Specific overview
The Enterprise Platinum Card® from American Specific is likely one of the greatest enterprise rewards playing cards round, due to its giant 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 yr. 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 enhancing its bonus class incomes charges. Plus, for these interested by limited-edition card designs, there is a new mirror card design that would give the Centurion Card from American Specific a run for its cash.
The data 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 payment enhance to $895 per yr (see charges and charges). Present cardmembers will see it take impact Dec. 2, 2025.
Whereas the upper annual payment may very well be robust 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 regularly or ones with main spending areas not coated by this card’s bonus classes.
We suggest candidates have a superb to wonderful credit score rating to extend their probabilities of getting accredited.
Reward your inbox with the TPG Every day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
Let’s dive into the cardboard particulars so you’ll be able to determine if it is a good match for your small business.
Associated: Methods to get a enterprise bank card
Amex Enterprise Platinum execs and cons
| Professionals | Cons |
|---|---|
|
|
**Enrollment is required for choose advantages.
Amex Enterprise Platinum welcome supply
Proper now, for a restricted time, new Amex Enterprise Platinum candidates can earn 200,000 bonus factors after spending $20,000 inside 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, for those who can handle this supply’s excessive spending requirement, you will obtain $4,000 in worth.
That is the very best public welcome supply we have seen on this card, making now a good time to use for those who’ve been contemplating this card.
It is necessary to notice that Amex has utility restriction guidelines, together with a once-in-a-lifetime rule. If in case you have or have held this card up to now, you will not be eligible to obtain a welcome supply.
Whereas $20,000 in three months may not be laborious for companies with plenty of money stream, in case your enterprise is smaller, you might take into account prepaying as many bills as you’ll be able to afford throughout your first three months to assist earn your welcome supply.
A couple of years in the past, I met the minimal spending requirement by paying my taxes and masking some house enchancment bills for members of the family that I used to be later reimbursed for.
However, if this sort of spending is out of your league, one other enterprise card with a decrease bonus threshold, a smaller annual payment 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 payment.
This is a detailed take a look at all of them (enrollment is required for choose advantages).
Assertion credit
| Assertion credit score | Annual quantity | The way it works |
|---|---|---|
| Lodge | As much as $600 per calendar yr | A press release credit score of as much as $300 semiannually from January to June and July to December on pay as you go American Specific Fantastic Inns + Resorts or The Lodge Assortment bookings with Amex Journey if you pay along with your Amex Enterprise Platinum (Lodge Assortment stays require a two-night minimal) |
| Dell | As much as $150 per calendar yr, plus an extra $1,000 in assertion credit after assembly a spending requirement per calendar yr | As much as $150 in assertion credit on U.S. purchases made straight at Dell and an extra $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar yr |
| Certainly | As much as $360 per calendar yr | As much as $90 per quarter in assertion credit |
| Adobe | $250 per calendar yr | $250 assertion credit score after spending $600 or extra on U.S. purchases made straight at Adobe every calendar yr (topic to auto-renewal) |
| Hilton | As much as $200 per calendar yr | A press release credit score of as much as $50 per quarter on eligible purchases made straight with a property within the Hilton portfolio (Hilton for Enterprise program membership is required) |
| Wi-fi phone companies | As much as $120 per calendar yr | Assertion credit for purchases made straight from any U.S. wi-fi phone supplier (as much as $10 monthly) |
| Clear Plus | As much as $209 per calendar yr | A press release credit score towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal) |
| Airline payment | As much as $200 per calendar yr | An annual airline payment credit score of as much as $200 for costs by the airline you choose every calendar yr |
| International Entry or TSA PreCheck | As much as $120 | A press release credit score for International Entry ($120) each 4 years or TSA PreCheck (as much as $85) each 4½ years |
| Amex Journey flights and One AP | As much as $1,200 in flight credit and as much as $2,400 in One AP credit | $1,200 in Amex Journey flight assertion credit and $2,400 in One AP assertion credit (legitimate from Jan. 1 to Dec. 31 of the calendar yr after assembly the requirement), each after spending $250,000 or extra on eligible purchases (spending in your card this yr counts towards the requirement) |
Lounge entry
Together with the plethora of assertion credit it’s possible you’ll (or might not) have the ability to use, the Amex Enterprise Platinum shines by means of with its different journey perks.
Except for providing entry to Amex’s Centurion Lounges, your card will open the door to the intensive 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 might have an eligible same-day flight on that airline, Precedence Cross areas (enrollment is required; restaurant areas are excluded), Escape lounges and Lufthansa lounges when you might have a same-day flight on Lufthansa.
Nevertheless, it is value noting that you simply’re restricted to 10 whole Delta Sky Membership visits per yr — until you spend $75,000 in a calendar yr to unlock limitless entry.
Lodge and automotive rental standing
As for advantages that turn out to be useful when you attain your vacation spot, this card lets you register for complimentary Gold standing with Hilton Honors and Marriott Bonvoy, which give greater earnings and elevated advantages throughout stays with these two manufacturers.
You may as well now enroll for Leaders Membership Sterling standing from The Main Inns of the World. LHW is a set of impartial resorts throughout the globe. With standing, you will obtain advantages like upgrades and the power to earn factors.
Cardmembers additionally get pleasure from complimentary elite automotive rental standing with a number of packages, together with Avis Most well-liked, Hertz Gold Plus Rewards and Nationwide Emerald Membership. Enrollment could also be required.
Purchasing protections
As you may think, the Amex Enterprise Platinum Card can be nice for enterprise purchases. It options prolonged guarantee safety‡ that prolongs eligible U.S. producer warranties of 5 years or much less by an extra yr, saving enterprise homeowners money and time if one thing occurs to an merchandise they purchase.
Moreover, the cardboard’s buy safety‡ covers unintended injury 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 yr), so it is an incredible alternative for costly gadgets.
Different notable advantages
The cardboard’s different standout perks embrace:
My ideas on these advantages
This refresh did not add a lot to the advantages facet apart from the brand new $600 resort credit score (as much as $300 again in assertion credit semiannually on pay as you go Fantastic Inns + Resorts or The Lodge Assortment bookings by means of American Specific Journey®), which matches the one discovered on The Platinum Card® from American Specific. The Lodge Assortment requires a minimal two-night keep.
The American Specific Journey flight credit score and the Amex One AP credit score are good for those who 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 well-liked 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 payment enhance.
‡Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm.
§Eligibility and profit stage varies by card. Phrases, circumstances 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 payment?
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 resort 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 yr (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. transport 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 dissatisfied this refresh did not increase incomes charges on the flights and resorts class. Solely incomes 5 factors per greenback spent on flights and resorts booked by means of Amex Journey is a bit too restrictive for my liking.
I would desire the choice to decide on how I ebook, particularly when playing cards just like the Chase Sapphire Reserve for Enterprise℠ (see charges and charges) supply elevated earnings on resorts and flights booked straight.
The incomes charges make it robust to justify maintaining this card yr after yr, even with all of the assertion credit, as I basically simply use it as a coupon ebook and for lounge entry.
Redeeming factors on the Amex Enterprise Platinum
We suggest transferring your Membership Rewards factors to any of Amex’s resort and airline companions for optimum worth.
You may as well redeem your factors for service provider present playing cards or to cowl costs 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 fashion.
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 lets you obtain a 35% bonus if 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 be aware that the 35% bonus is capped at 1 million factors again per calendar yr, and you have to have the complete 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 possibly can unlock much more worth out of your earnings by transferring your Membership Rewards factors to any of Amex’s 20 airline or resort companions. Most transfers happen at a ratio of 1:1 and are processed immediately.
Going this route might require some analysis, however a bit of work may also help enhance the worth of your factors considerably above our valuations.
You may additionally need to look ahead to Amex’s common switch bonuses, which may additional enhance the worth of your factors.
I regularly 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 make the most of this system’s frequent award promo gross sales.
Which playing cards compete with the Amex Enterprise Platinum?
When you really feel that your small business may not have the ability to get the complete worth out of the Enterprise Platinum, you may need to take into account different choices:
- If you’d like a decrease annual payment and better incomes charges: The American Specific® Enterprise Gold Card affords related redemption choices to the Enterprise Platinum however for a decrease annual payment of $375 (see charges and charges). It is a good selection you probably have all kinds of enterprise bills, because it adjusts to your prime two spending classes every billing cycle. To study 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 may nonetheless earn priceless Membership Rewards factors, obtain important worth in annual assertion credit and achieve entry to the identical intensive community of airport lounges worldwide. To study 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 payment of $795. It is a good selection for those who just like the sound of a versatile $300 annual journey credit score and spend loads on promoting, in addition to flights and resorts booked straight. To study extra, please learn our full overview of the Sapphire Reserve for Enterprise.
For extra choices, try our full checklist of the greatest enterprise bank cards.
Backside line
Regardless of a current refresh with a brand new greater annual payment, the Amex Enterprise Platinum Card remains to be a wonderful alternative for enterprise vacationers who spend loads in its bonus classes and with the retailers coated by its assertion credit.
Whereas it may not be value it for all enterprise homeowners, its journey perks are laborious to beat for the proper cardmember.
Apply right here: The Enterprise Platinum Card from American Specific
For charges and charges of the Amex Enterprise Platinum, click on right here.
For charges and charges of the Amex Enterprise Gold, click on right here.