Business Platinum®
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How we calculate effective rate →
The Business Platinum® from American Express earns up to 0.6% effective value on dining in Madeen's catalog snapshot. Its annual fee is $895. 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..
- Top category
- Dining
- Effective value
- 0.6%
- Annual fee
- $895
Worth a look for dining spend if you need a business card and can use American Express Membership Rewards the way you redeem today. 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.
What does the Business Platinum earn in each category?
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 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Business Platinum compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight electronics at 1.5x.
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 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Business Platinum compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0.6% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 0.6% |
| Gas Gas stations and fuel | 1x points | 0.6% |
| Travel Flights, hotels, transit | 1x points | 0.6% |
| Other General everyday spend | 1x points | 0.6% |
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.
Who should get the Business Platinum?
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.
Pros
- Strongest Madeen category is dining at about 0.6% effective (1x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $895 annual fee requires enough spend in bonus categories to offset.
- American Express Membership Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Business Platinum welcome bonus?
In Madeen's catalog snapshot, the Business Platinum welcome offer is 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.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 200k American Express Membership Rewards (~$1200 estimated)
- Terms (catalog snapshot)
- 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.
- Minimum spend
- $20,000
- Window
- 3Months
Does the Business Platinum have an annual fee?
The Business Platinum has an annual fee of $895 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $895
- Foreign transaction fee
- None
What travel perks does the Business Platinum include?
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.
Trusted traveler credit
Fee 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 access
The 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
What benefits come with the Business Platinum?
Up to $1,150 Dell Technologies Credit
$1,150/yrStatement credits up to $150 on U.S. purchases directly with Dell Technologies, and an additional $1,000 statement credit after you spend $5,000 or more on those purchases, per calendar year.
Up to $600 Hotel Credit
$600/yrStatement credits up to $300 semi-annually on prepaid bookings through Amex Travel with Fine Hotels + Resorts® or The Hotel Collection®. The Hotel Collection requires a minimum two-night stay.
Up to $360 Indeed Credit
$360/yrStatement credits up to $90 per quarter for U.S. purchases made directly with Indeed.
$300 ChatGPT Business Credit
$300/yrCard Members can get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions
Up to $209 CLEAR® Plus Credit
$209/yrStatement credits up to $209 per calendar year for an auto-renewing CLEAR® Plus Membership, excluding taxes and fees.
Up to $200 Airline Fee Credit
$200/yrStatement credits up to $200 per calendar year for incidental fees charged by your one selected qualifying airline.
Up to $200 Hilton Credit
$200/yrHilton for Business members can get statement credits of up to $50 quarterly on eligible purchases made directly with Hilton.
Up to $120 Wireless Credit
$120/yrStatement credits up to $10 per month for wireless phone service purchases made directly with a U.S. wireless telephone service provider.
The Global Lounge Collection®
$99/yrThe American Express Global Lounge Collection can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market.As of 9/2021
Car Rental Loss and Damage Insurance
$40/yrAs 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.
Build Your Team with Indeed
$25/yrBuild 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.
Fee Credit for Global Entry or TSA PreCheck
$25/yrStay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck (up to $85) when the application fee is charged to an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee for a five-year membership every 4 years for Global Entry or every 4.5 years for TSA PreCheck. To receive the statement credit, the application fee must be charged on the eligible Additional Card.
Related encyclopedia topics
Common questions about the Business Platinum
Where do cardholders spend most with the Business Platinum?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on electronics (1.5x), general services postage and shipping (1.5x), furniture (1.5x) for the Business Platinum. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the Business Platinum Card worth it?
The Business Platinum® from American Express earns up to 0.6% effective value on dining in Madeen's catalog snapshot. Its annual fee is $895. 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..
Does the Business Platinum have an annual fee?
The Business Platinum carries an annual fee of $895 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Business Platinum?
Dining is the strongest Madeen category for the Business Platinum at about 0.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Business Platinum charge foreign transaction fees?
The Business Platinum does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Business Platinum welcome bonus?
The Business Platinum welcome offer in our snapshot: 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.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Business Platinum compare to similar cards?
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, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Business Platinum This card | Dining | 0.6% | $895 |
| Dining | 3.5% | $550 | |
| Dining | 3% | $150 | |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
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American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure