Is the American Express Business Platinum Card Worth the Investment?

Introduction to the American Express Business Platinum Card

The American Express Business Platinum Card is a well-known credit card among business professionals. As of 2025, it has undergone improvements and now comes with an annual fee of $895—a significant amount. Many people often wonder if this cost is justified.

The answer isn’t straightforward, and in this article, I’ll share my thoughts on the value this card provides.

Attractive Welcome Offer

One of the main reasons many people want to get this card is the incredibly enticing welcome offer. Currently, the American Express Business Platinum Card features a welcome bonus that I believe is worth thousands of dollars. This serves as a strong incentive to try the card for at least a year.

If you’re new to business credit cards, don’t hesitate; Amex cards are generally accepted more widely than many other types of cards.

Reward Points and Spending

Despite the generous welcome offer, the card's downside lies in its reward points for everyday spending. You can earn: 5x Membership Rewards points on hotels and flights booked through American Express Travel®, 2x points on purchases at U.S. construction material suppliers, electronics vendors, software providers, and cloud services... and 1x point on other purchases.

In reality, I believe there are other cards, like The Blue Business® Plus Credit Card from American Express or Capital One Venture X Business, that may be more competitive in terms of earning points for everyday spending. This isn't a major issue, but it highlights how the benefits can differ between cards in terms of incentives versus spending.

Valuable Credits

The American Express Business Platinum Card offers a variety of credits and benefits that you can easily use to offset the annual fee. While I won't list all the credits here, notable ones include hotel credits, airline fee credits, and various other credits.

Especially noteworthy is the $600 annual hotel credit, which is quite easy to utilize. You simply need to book a hotel stay through Amex Fine Hotels + Resorts® or The Hotel Collection to receive this credit.

Airport Lounge Access

Recently, access to airport lounges has become one of the most significant benefits that premium cards offer. American Express is well-known for its extensive lounge access.

The standout features access to the Amex Centurion Lounge and Delta Sky Club®, which distinguishes it from cards issued by other providers.

Other Benefits of the Card

The American Express Business Platinum Card not only provides lounge access and credits but also offers many other perks such as VIP status at Hilton Honors and Marriott Bonvoy, promotions with Hertz and National, among other programs. I also see a fantastic opportunity to use Membership Rewards points through the Pay With Points program.

This allows you to receive 35% of your points back when redeeming them for flights with your chosen airline, helping you save significantly on airfare purchases.

The Value of the American Express Business Platinum Card

So, should you consider using the American Express Business Platinum Card? I recently decided to reactivate this card after seeing the attractive welcome offer, and I received the bonus without any prior usage conditions.

Each year, I reassess the card’s value based on the credits and offers it provides. While there is some overlap between this card and the personal American Express Platinum Card®, I still see distinct values in each card.

Conclusion

The American Express Business Platinum Card is a great option for those who frequently spend large amounts and want to take advantage of various perks. With benefits like a substantial welcome offer, hotel credits, and airport lounge access, this card can genuinely help you save money if you know how to maximize it. I am very satisfied with this card and will definitely continue using it in the years to come.