Business Platinum®

Dining is the strongest category at 0.6% effective value (1x points at about 0.6 cents each). That dining rate ranks higher than about 0% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 0.6% effective value (1x points at about 0.6 cents each). That dining rate ranks higher than about 0% of the 1,547 cards we track in that category.

Madeen values American Express Membership Rewards at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The Business Platinum fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.

Business Platinum fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 0% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.

Less compelling if the $895 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.

Worth a look for dining spend if you need a business card and can use American Express Membership Rewards the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The Business Platinum has an annual fee of $895 and a foreign transaction fee of None. New applicants may see: Earn 200,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your Card within the first 3 months of Card Membership.. Confirm current issuer terms before applying.

Annual fee

$895

Foreign transaction fee

None

Signup bonus

Earn 200,000 Membership Rewards® Points after you spend $20,000 in eligible purchases on your Card within the first 3 months of Card Membership.

The Business Platinum includes Trusted traveler credit, Lounge access, $250 Adobe Credit, $300 ChatGPT Business Credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Trusted traveler creditFee Credit for Global Entry or TSA Precheck - Stay focused on getting where you need to go. Receive either a $120 statement credit for Global Entry or a statement credit for up to $85 for TSA PreCheck® through any Authorized Enrollment Provider for a 5-year plan only. TSA PreCheck can expedite security screening and Global Entry can reduce wait time at US Customs at select airports. And if you are approved for Global Entry you will also receive access to TSA PreCheck at no additional charge. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck for whichever application fee is charged to your Platinum Card first
• Lounge accessThe Global Lounge Collection - The American Express Global Lounge Collection® can provide an escape at the airport, with more than 1,400 airport lounges across 650 cities in 140 countries and counting

• $250 Adobe Credit

  A $250 statement credit per calendar year after you spend $600 or more on U.S. purchases directly with Adobe in a calendar year.

• $300 ChatGPT Business Credit

  Card Members can get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions

• 35% Airline Bonus

  Use Membership Rewards Pay with Points for all or part of an eligible flight booked through American Express Travel and get 35% of those points back, up to 1,000,000 points back per calendar year.Eligible flights include First and Business Class tickets as well as any fare class with your selected qualifying airline booked through American Express Travel.

• Baggage Insurance Plan

  Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

• Build Your Team with Indeed

  Build your team, grow your business. Enroll and get up to $360 in statement credits per year (up to $90 back per quarter) for purchases with Indeed on the Business Platinum Card.

• Business Platinum Travel Service

  Platinum travel counselors specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.

• Car Rental Loss and Damage Insurance

  As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

• Cell Phone Protection

  With Cell Phone Protection, you can be reimbursed for your repair or replacement costs following damage or theft for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period, when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim.

Compare the Business Platinum against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Dining

• Hilton Honors American Express AspireAmerican Express · 3.5% on dining
• Hilton Honors American Express Surpass®American Express · 3% on dining
• Hilton Honors BusinessAmerican Express · 3% on dining
• Marriott Bonvoy Bevy™ American Express®American Express · 2.8% on dining

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