The Enterprise Platinum Card® from American Categorical presently options the very best welcome bonus it is ever provided publicly: Earn 200,000 bonus factors after spending $20,000 on eligible purchases inside the first three months of card membership.
These factors are price $4,000, per TPG’s October 2025 valuations, which supply a compelling motive to contemplate making use of.
However earlier than you begin filling out your software, you would possibly marvel should you’re even eligible to benefit from this provide. This can be a small-business card, so there are totally different necessities than whenever you apply for a private card.
Nonetheless, you would possibly qualify for the Amex Enterprise Platinum Card and that implausible welcome provide with out even realizing it.
Listed below are a few of the methods to find out should you’re eligible to use for the Amex Enterprise Platinum card and whether or not it is sensible to take action.
Amex Enterprise Platinum Card particulars
As a fast reminder, listed here are the present provide particulars and a roundup of the cardboard’s key perks:
Present welcome provide
New Amex Enterprise Platinum cardmembers can earn 200,000 bonus factors after spending $20,000 on eligible purchases inside the first three months of card membership.
That is the very best welcome bonus we have ever seen publicly provided on this card.
Annual payment
The Amex Enterprise Platinum card comes with a $895 annual payment (see charges and costs). Whereas this payment is giant, it is potential to offset this value by maximizing the assertion credit and advantages that include the cardboard.
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Incomes
The Amex Enterprise Platinum earns factors on the following charges:
- 5 factors per greenback spent on flights and pay as you go motels booked on amextravel.com
- 2 factors per greenback spent on eligible purchases at U.S. development materials and {hardware} suppliers, U.S. digital items retailers, U.S. software program and cloud system suppliers and U.S. delivery suppliers, in addition to on purchases of $5,000 or extra (as much as $2 million per calendar 12 months, then 1 level per greenback spent)
- 1 level per greenback spent on different purchases
Key advantages
The Amex Enterprise Platinum contains quite a few assertion credit, together with:
- Dell assertion credit score: As much as $150 in assertion credit on U.S. purchases made immediately at Dell and an extra as much as $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar 12 months*
- Resort assertion credit score: As much as $600 lodge assertion credit score per calendar 12 months (as much as $300 in semi-annual credit), on pay as you go Amex Fantastic Lodges + Resorts or The Resort Assortment bookings by Amex Journey whenever you pay together with your Amex Enterprise Platinum (Resort Assortment stays require a two-night minimal)
- Certainly assertion credit score: As much as $360 in annual assertion credit on Certainly (as much as $90 per quarter)*
- Adobe assertion credit score: As much as $250 assertion credit score after spending $600 or extra on U.S. purchases made immediately at Adobe every calendar 12 months (topic to auto-renewal)*
- Clear Plus assertion credit score: As much as $209 in assertion credit per calendar 12 months towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal)*
- Airline payment credit: As much as $200 annually in assertion credit per calendar 12 months for prices by the certified airline you choose
- Hilton assertion credit score: As much as $200 assertion credit score per calendar 12 months (as much as $50 quarterly) on eligible purchases made immediately with a property within the Hilton portfolio (Hilton for Enterprise program membership is required)
- International Entry or TSA PreCheck: As much as $120 in assertion credit for International Entry or TSA PreCheck purposes ($120 for International Entry each 4 years or as much as $85 for TSA PreCheck each 4½ years)
- Wi-fi phone service assertion credit: As much as $120 in annual assertion credit for purchases made immediately from any U.S. wi-fi phone supplier (as much as $10 per 30 days)*
- Amex Journey flights and One AP: As much as $1,200 in Amex Journey flight assertion credit and as much as $2,400 in One AP assertion credit (legitimate from Jan. 1 to Dec. 31 of the calendar 12 months after assembly the requirement), each after spending $250,000 or extra on eligible purchases in a calendar 12 months
Different advantages embody a 35% airline bonus whenever you use Pay with Factors for airfare booked by Amex Journey (as much as 1,000,000 factors again every calendar 12 months) on the airline that you choose to your annual as much as $200 airline payment assertion credit score, no matter fare class, and complimentary Gold elite standing in Hilton Honors*, Gold elite standing with Marriott Bonvoy* and Leaders Membership Sterling standing from Main Lodges of the World.*
Plus, eligible cardmembers obtain entry to Centurion Lounges, Delta Sky Golf equipment (when flying Delta)**, Precedence Go™ lounges* (for you and two visitors) and Airspace lounges.
Because of all these perks, the Amex Enterprise Platinum usually ranks among the many greatest enterprise rewards playing cards.
*Enrollment is required.
**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.
Associated: Lesser-known advantages of the Amex Enterprise Platinum card
Are you eligible to use for the Amex Enterprise Platinum?
You might be eligible for the Amex Enterprise Platinum, together with its welcome provide, should you’re a first-time applicant.
Even should you’re a freelancer, impartial contractor or have a aspect hustle, you’ll be able to nonetheless get permitted for the Enterprise Platinum. You needn’t make seven figures (and even 5 figures) out of your small enterprise annually to have a small-business card.
Let’s take a look at the phrases and situations of the cardboard itself, after which we’ll delve into a few of the extra particular software guidelines Amex has in place.
Amex Enterprise Platinum software phrases
Like many different American Categorical playing cards, the Amex Enterprise Platinum has strict eligibility guidelines in relation to incomes its welcome provide — particularly for present or former cardmembers.
In accordance with the appliance phrases:
You will not be eligible to obtain a welcome provide when you have or have had this Card or earlier variations of this Card. You additionally will not be eligible to obtain a welcome provide based mostly on varied components, corresponding to your historical past with bank card steadiness transfers, your historical past as an American Categorical Card Member, the variety of bank cards that you’ve got opened and closed and different components. In case you are not eligible for a welcome provide, we’ll notify you previous to processing your software so you have got the choice to withdraw your software.
In different phrases, chances are you’ll be disqualified not just for having had the cardboard earlier than, but in addition should you’ve opened and shut a number of Amex playing cards or carried out a whole lot of steadiness transfers.
Undecided should you’ve had the cardboard up to now? Amex has a useful instrument throughout the software course of that may let you recognize should you’re eligible for the welcome provide earlier than your software is processed.
That stated, welcome provide eligibility with Amex is not at all times so reduce and dry — it is based mostly on a variety of inner components, so your mileage could range.
Amex software restrictions
American Categorical usually limits most individuals to holding a most of 5 Amex bank cards without delay — together with each private and enterprise playing cards.
Nonetheless, sure merchandise, just like the American Categorical Platinum Card® and the Amex Enterprise Platinum, are a little bit totally different from conventional bank cards in that they haven’t any preset spending restrict — which signifies that your spending restrict is versatile, in contrast to a conventional card with a set restrict. The quantity you’ll be able to spend adapts based mostly on components corresponding to your buy, cost and credit score historical past.
As a result of these playing cards fall right into a separate class, they’re possible not topic to Amex’s five-credit-card restrict. That does not assure approval, nevertheless.
Amex additionally considers your total profile, together with creditworthiness and up to date software historical past, when deciding whether or not to approve you.
Amex additionally usually limits approvals to 2 playing cards inside a 90-day interval, so should you’ve just lately utilized for an additional Amex card, chances are you’ll want to attend earlier than making use of once more.
If you have already got a number of Amex playing cards with excessive credit score limits, the issuer will not be keen to increase any additional debt to you.
Talking of issuer software restrictions, should you’re eyeing a Chase card just like the Chase Sapphire Most well-liked® Card (see charges and costs), you could be frightened about Chase’s 5/24 rule.
However there’s excellent news: Amex enterprise playing cards do not rely towards that restrict. So you’ll be able to apply for the Amex Enterprise Platinum with out affecting your probabilities of getting a Chase card down the road.
Associated: The last word information to bank card software restrictions
Does it matter if you have already got a private Amex Platinum card?
Under no circumstances. The non-public and enterprise variations of the Amex Platinum are thought-about separate merchandise, so already holding the private card will not disqualify you from making use of for the Enterprise Platinum — or from incomes its welcome provide.
Do you want a enterprise to use?
Not essentially. Whereas the Amex Enterprise Platinum is technically a small-business card, you do not want a proper enterprise to qualify. Amex — and different issuers — acknowledge that freelancers, impartial contractors and aspect hustlers usually want enterprise bank cards to separate private and work bills.
That stated, the Enterprise Platinum is a premium product, so approval is not assured for simply any aspect gig. It’s possible you’ll want to offer proof of enterprise revenue or supporting particulars like a “doing enterprise as” (DBA) title, relying in your software.
Are you able to get the cardboard twice?
In some instances, sure — particularly should you function a number of companies. There are experiences of cardmembers being focused with presents to use for a second Amex Enterprise Platinum with one other welcome provide.
Amex understands that separate companies could require separate playing cards for accounting and expense monitoring. So should you run a couple of enterprise — or work for a number of corporations —you could possibly be prequalified for an extra Enterprise Platinum.
These cases are comparatively uncommon, although. If you happen to do obtain one, it is a good suggestion to contact Amex immediately to verify your eligibility for the welcome provide earlier than making use of.
Name the reconsideration line
In case your software for the Amex Enterprise Platinum is declined, do not hand over simply but — calling the Amex reconsideration line may give you a second shot at approval. By calling them, you’ll be able to ask if there have been particular points together with your software you could tackle over the telephone or by offering additional data.
In the course of the name, you’ll be able to ask if there have been particular issues together with your software and provide to offer further data. Be ready to elucidate why you are within the card — past simply the welcome provide — corresponding to particular options or advantages that align with what you are promoting wants.
You might also want to provide particulars about what you are promoting, together with revenue verification and enterprise tackle.
If you happen to’re nonetheless denied, do not be discouraged. It’s possible you’ll be eligible to use once more sooner or later, particularly if Amex rolls out an elevated welcome provide. Take into account it a platinum lining.
Backside line
The Amex Enterprise Platinum stays one of many high small-business rewards playing cards available on the market — particularly with its present elevated welcome provide. If you happen to’re interested by making use of, take a second to learn the eligibility necessities to offer your self the very best probability of approval.
Apply right here: The Enterprise Platinum Card from American Categorical
For charges and costs of the Amex Enterprise Platinum, click on right here.