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The Business Platinum Card from American Express

American Express·$895/yr·15 benefits·No FTF
Total Benefit Value
$3,077/yr
Annual Fee
$895
Avg Left on Table
$2,413/yr

The average Amex Business Platinum holder leaves $2,413/yr on the table

Based on typical usage rates across 15 benefits. Your number could be higher or lower.

Welcome Bonus

300,000points/miles
Spend $20,000 in 3 months · est. $6,000 value

All Benefits (15)

Statement Credits

Airline Fee Credit

$200/yr airline incidental fee credit

Enrollment required: Select qualifying airline

$200/yr
annual
Hotel Credit

$300 semi-annually at FHR/THC properties

$600/yr
semi_annual
Global Entry / TSA PreCheck CreditHidden

$120 every 4 years for Global Entry/TSA PreCheck

$30/yr
multi_year
Hilton Credit

Up to $50/quarter on eligible purchases directly with Hilton ($200/yr)

Enrollment required: Enroll through Amex; a Hilton for Business account is created at enrollment if needed

$200/yr
quarterly
Wireless Service Credit

Up to $10/mo for purchases directly with a U.S. wireless telephone service provider ($120/yr)

Enrollment required: Enroll through Amex benefits portal

$120/yr
monthly
Indeed Credit

Up to $90/quarter for U.S. purchases directly with Indeed ($360/yr)

Enrollment required: Enroll through Amex benefits portal

$360/yr
quarterly
Adobe Credit

$250/yr statement credit after spending $600+ directly with Adobe

Enrollment required: Enroll through Amex benefits portal

$250/yr
annual
ChatGPT Business Credit

Up to $300/yr in statement credits for U.S. purchases of ChatGPT Business

Enrollment required: Enroll through Amex benefits portal

$300/yr
annual
CLEAR Plus Credit

Up to $209/yr CLEAR Plus credit

Enrollment required: Pay for CLEAR Plus with card

$209/yr
annual
Dell Technologies Credit

Up to $150/yr on U.S. purchases directly with Dell Technologies; an additional $1,000 credit unlocks after $5,000+ Dell spend in the calendar year

Enrollment required: Enroll through Amex benefits portal

$150/yr
annual

Insurance & Protection

Cell Phone ProtectionHidden

Up to $800/claim, $50 deductible, 2 claims/year

$83/yr
ongoing
Purchase ProtectionHidden

$10,000 per occurrence, $50,000 per year, 90 days

$100/yr
ongoing
Car Rental Loss & Damage InsuranceHidden

Secondary coverage up to $75,000

$125/yr
ongoing

Travel Perks

Centurion Lounge Access

Centurion Lounge access + Priority Pass Select

$300/yr
ongoing

Account Perks

No Foreign Transaction Fees

No foreign transaction fees

$50/yr
ongoing

Earning Rates

CategoryRate
All other purchases
1x
Key business categories & purchases $5,000+
Eligible purchases in key business categories, or single purchases of $5,000+. 2X on up to $2M of these purchases per calendar year, then 1X.
2x
Flights (Amex Travel)
Booked on AmexTravel.com. Unlike the personal Platinum there is no direct-airline 5X and no advertised spend cap.
5x
Prepaid hotels (Amex Travel)
Prepaid bookings on AmexTravel.com. No advertised spend cap.
5x

4 Hidden Benefits Most People Miss

  • Global Entry / TSA PreCheck Credit: $30/yr
  • Cell Phone Protection: $83/yr
  • Purchase Protection: $100/yr
  • Car Rental Loss & Damage Insurance: $125/yr

How much are you leaving on the table?

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