The Enterprise Platinum Card® from American Categorical Evaluation

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been wonderful and elevated each my journey and my enterprise. Others have been…nicely, lackluster.

Among the best? The Enterprise Platinum Card® from American Categorical. It comes with numerous world-class perks and advantages, high quality buyer care, and a strong rewards construction (particularly on massive purchases).

Whereas the annual price is fairly excessive ($695, pay over time obtainable. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard value carrying. I feel it’s an incredible alternative for enterprise homeowners who journey often.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Categorical?

The Enterprise Platinum Card® from American Categorical is a journey rewards card geared in direction of enterprise homeowners. (Bear in mind: even facet hustles and freelancing rely as companies so you will get this card even with out being an LLC.) First, let’s go over a number of the greatest stuff you get once you join, which make it a no brainer to get for the primary yr:

• Restricted Time Supply: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® inside the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked straight with airways or via American Categorical Journey together with your Enterprise Platinum Card® inside the first 3 months of Card Membership. You’ll be able to earn one or each of those provides. Supply ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go lodges, and short-term leases and pay as you go flight + lodge packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US building materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and transport suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar yr. Purchases eligible for a number of further level bonuses will solely obtain the very best eligible bonus.
• Complimentary entry to the American Categorical International Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 international locations. Entry is proscribed to eligible Card Members.
• As much as $120 in assertion credit for International Entry or TSA Pre-check each 4 years.
• As much as $199 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar yr for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar yr once you make an eligible buy at Hilton properties. (Distributed in as much as $50 increments per quarter. Hilton for Enterprise program membership is required.)
• $150 credit score with Adobe on eligible annual pay as you go marketing strategy purchases of Adobe Artistic Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card via 6/30/25.
• As much as $120 per calendar yr in assertion credit for purchases made straight from any U.S. wi-fi phone supplier (as much as $10 again per thirty days).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No overseas transaction charges

Utilizing Your Membership Rewards Factors

You’ll earn Membership Rewards factors with The Enterprise Platinum Card® from American Categorical. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are a number of the most dear factors on the market.

These are Amex’s present journey companions:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Membership (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Membership (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Selection Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Visitor (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Membership (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Membership (1:1 ratio)

Most transfers are instantaneous, although some can take as much as 48 hours.

You can even use your Membership Rewards factors to ebook flights and lodges within the Amex Journey portal. I usually wouldn’t do that although because it’s not the most effective use of your factors. It’s all the time higher to switch them out to certainly one of their companions. Nonetheless, you will get 35% factors again once you do ebook through their portal so simply examine the factors prices between each earlier than making a choice.

Breaking Down the Enterprise Platinum’s Credit and Advantages

Amex playing cards are well-known for his or her plethora of perks and advantages. They’re an enormous motive I like their playing cards. And, in case you can reap the benefits of all that it has to supply, the Enterprise Platinum boasts over $1,700 value of worth. However, with so many classes and a lot advantageous print, it may be arduous to maintain monitor of whether or not a profit is definitely helpful to your spending habits. So, that will help you resolve if the cardboard is best for you, I wish to break down a number of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International Entry/TSA PreCheck)
Among the best issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into a number of the high lounges worldwide, together with the superb Centurion Lounges and Delta Sky Golf equipment (once you’re flying Delta, with as much as 10 visits per yr).

On high of that, you’ll get complimentary entry to the massive Precedence Move community. If having a quiet area to calm down, seize a drink, or get some work executed is a precedence once you journey, this card has you coated just about wherever.

I additionally admire that the Enterprise Platinum helps you get via the airport sooner. It provides as much as $199 in assertion credit annually for a CLEAR® Plus membership, which speeds you thru safety strains.

You’ll additionally get a credit score for International Entry (as much as $100 each 4 years) or TSA PreCheck (as much as $85 each 4.5 years), relying on which one you select. I personally advocate going for International Entry. It takes slightly extra effort (there’s an interview), but it surely consists of TSA PreCheck too. It’ll prevent a ton of time in case you journey internationally.

Airline and Lodge Credit
One other travel-related profit is the as much as $200 airline credit score. Sadly, it comes with a good variety of restrictions, making this credit score a bit extra annoying to make use of. It will probably solely be used on one (pre-selected) airline, and you may solely use it for incidentals, not airfare. However in case you don’t have an airline bank card that gives free baggage, it may be helpful to have. You can even use the credit score for airline bills like paid seat choice or on-board foods and drinks.

The Enterprise Platinum additionally provides a number of Hilton-related advantages. First, you may obtain as much as $200 in assertion credit at Hilton properties when booked straight. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property no less than 4 instances a yr to get the complete worth of this credit score. However in case you’re on the highway rather a lot, that may be straightforward to do.

Second, the Enterprise Platinum provides complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which supply further perks and advantages when staying at these properties.

Enterprise-Associated Assertion Credit
The Enterprise Platinum card comes with some nice perks to assist lighten the monetary load of operating a enterprise. Bills can actually add up in case you’re managing a enterprise whereas touring, so I admire that the Enterprise Platinum helps offset these prices.

You’ll be able to stand up to $400 in assertion credit on U.S. Dell purchases (via June 30, 2025, cut up into $200 chunks each six months). There’s additionally as much as $360 again per yr on Certainly advertisements (as much as $90 every quarter), which is nice in case you’re hiring as your online business grows.

In the event you use Adobe instruments, there’s a $150 credit score obtainable once you prepay yearly for eligible Adobe Artistic Cloud or Acrobat Professional plans for groups. And to maintain you related on the go, you’ll stand up to $120 a yr for purchases made straight with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Gives
On high of all these worthwhile assertion credit, the Enterprise Platinum provides you entry to Amex Gives, a simple method to avoid wasting money or rack up further factors with a variety of shops. These offers rotate frequently and are personalised, so what reveals up for you is perhaps completely completely different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I all the time verify Amex Gives earlier than I buy. (The private card provides this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless advocate shopping for a standalone coverage for medical, this card consists of robust built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally consists of mobile phone safety for harm or theft, a uncommon however worthwhile perk. For a most of $800 per declare, with a restrict of two permitted claims per 12-month interval, when your mobile phone line is listed on a wi-fi invoice and the prior month’s wi-fi invoice was paid by an Eligible Card Account. A $50 deductible will apply to every permitted declare.

So, whilst you may get away with the cardboard’s insurance coverage in case you ebook the journey on the cardboard, I wouldn’t depend on it fully. Nevertheless it’s higher than most!

Do you have to get this card?

The Enterprise Platinum is right for frequent vacationers who can benefit from perks like smoother airport experiences and lodge elite standing. In the event you can reap the benefits of a number of of the business-related assertion credit, the assertion credit alone make the excessive annual price value it. I get numerous worth from the cardboard via the assertion credit that make carrying the cardboard after the primary yr actually value it.

Whereas it’s true you solely get 1x level per greenback spent on something below $5,000 (which isn’t pretty much as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex provides, and companions you don’t discover wherever else make this card important for any enterprise proprietor.

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