American Express · $895 annual fee
American Express Business Platinum Card benefits and credits
American Express Business Platinum Card has 10 listed credits with an estimated annualized face value of up to $2,429 when fully used. Multi-year credits are averaged across their eligibility periods. The annual fee is $895. Count only benefits that fit purchases you would make anyway, and verify current enrollment and eligibility rules with American Express.
$2,429
estimated annualized value
$895
per year
+$1,534
Based on full eligible use at face value
18
10 credits · 8 perks
Which credit benefits does this card include?
Dell Technologies Credit
Up to $150 per calendar year in Dell Technologies statement credits.
$150
annual
Hotel Credit
$300 semi-annually for Fine Hotels + Resorts or The Hotel Collection bookings ($600/year total).
$300
semiannual · $600 estimated annualized value
Airline Fee Credit
Up to $200 per calendar year in baggage fees, lounge passes, seat upgrades on one qualifying airline.
$200
calendar year
Indeed Credit
Up to $90 per quarter in Indeed statement credits ($360/year).
$90
quarterly · $360 estimated annualized value
Adobe Credit
Up to $250 per year in statement credits for Adobe business plans after $600 spend.
$250
annual
ChatGPT Business Credit
Up to $300 per year in statement credits for eligible ChatGPT business purchases.
$300
annual
Wireless Credit
Up to $10 per month in statement credits for U.S. wireless service ($120/year).
$10
monthly · $120 estimated annualized value
Hilton Credit
Up to $50 per quarter in statement credits at Hilton properties ($200/year).
$50
quarterly · $200 estimated annualized value
CLEAR Plus Credit
Up to $219 per calendar year for an auto-renewing CLEAR Plus membership.
$219
calendar year
Global Entry or TSA PreCheck Credit
Up to $120 statement credit every 4 years for Global Entry or TSA PreCheck application fee.
$120
every 4 years · $30 estimated annualized value
What other benefits does this card include?
Additional Dell Technologies Credit
After $5,000 in eligible Dell Technologies purchases in a calendar year, unlock up to an additional $1,000 in statement credits.
Amex Travel Flight Credit
After $250,000 in eligible purchases in a calendar year, unlock up to $1,200 in statement credits for flights booked through AmexTravel.com during the next calendar year.
Centurion Lounge Access
Complimentary access to The Centurion Lounge network. Guests $50 each or free after $75K annual spend.
Priority Pass Select
Complimentary Priority Pass Select membership granting access to 1,400+ airport lounges worldwide.
Delta Sky Club Access
Delta Sky Club access with same-day boarding pass. Guests $50 each (max 2).
Trip Delay Insurance
Up to $500 per trip for reasonable expenses when a covered trip is delayed 6+ hours.
Trip Cancellation/Interruption Insurance
Up to $10,000 per trip for pre-paid, non-refundable travel expenses if trip is cancelled or interrupted.
Car Rental Loss & Damage Insurance
Secondary coverage for damage to or theft of a rental vehicle when you decline the rental company CDW/LDW.
Related benefit guides
Frequently asked questions
What is the estimated annualized value of Business Platinum Card credits?
American Express Business Platinum Card has 10 listed credits with an estimated annualized value of up to $2,429 when every eligible benefit is fully used. Multi-year credits are averaged across their eligibility periods.
Does the Business Platinum Card annual fee make sense?
Based on full eligible use at face value, the listed credits' estimated annualized value is about $1,534 more than the $895 annual fee, before rewards and other benefits. This modeled comparison is not savings. Your usable value depends on whether the credits match spending you would make anyway.
Which Business Platinum Card benefits should I track first?
Start by reviewing Hotel Credit, Indeed Credit, and ChatGPT Business Credit because they have the largest estimated annualized face value in this guide. Prioritize only the benefits that fit purchases you would otherwise make.
What should I verify before relying on Business Platinum Card benefits?
Check current American Express terms for enrollment, eligible purchases, spending thresholds, benefit periods, and statement-credit timing. Account-specific terms and card changes can affect what applies to you.
Benefit terms can change. Estimated annualized values model full eligible use at face value and average multi-year credits across their eligibility periods. They do not represent actual savings. Verify current terms with American Express.
Keep these credits on your list
Track all 10 listed credit benefits manually on Free. With Pro, the browser extension can import issuer-reported activity for supported cards after you sign in on the issuer's website and remind you before eligible benefits reset.