American Express
Business Platinum
What it is
The Business Platinum is an American Express business card earning Membership Rewards points. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. Amex's premium business charge card — Centurion lounge access and a deep credit stack, with a 35% Pay-With-Points airline rebate that's the keeper hook for heavy flyers. The fee only pencils out if you lean on the credits and lounges; for most, the value is mostly up front in the welcome bonus.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
INCOGNITOYMMV ATH | 300,000$20k · 90d | $4,500 | $4,743 | 24% | Jun ’26 |
PUBLIC | 150,000$20k · 90d | $2,250 | $2,373 | 12% | Sep ’25 |
AF $695 → $895 · Sep 2025 | |||||
TARGETEDYMMV | 250,000+ $500 credit$20k · 90d | $4,250 | $4,303 | 22% | Jun ’25 |
What you get
- Hotel credit (FHR)$600per year
Up to $600 a year ($300 every six months) on prepaid stays booked through Fine Hotels + Resorts or The Hotel Collection.
- Indeed credit$360per year
Up to $360 a year ($90 each quarter) on Indeed for job posts and hiring spend.
- Centurion Lounge$325per year
Amex Centurion Lounges — premium (no public membership). Guests paid by default (free only after $75k/yr spend). From Jul 8 2026: guests same-flight, 5-hour layover cap.
- ChatGPT credit$300per year
Up to $300 a year toward a ChatGPT Business subscription (enrollment required). ChatGPT Business requires at least two seats, so a solo user captures little of it.
- Priority Pass✓ you have this$300per year
Priority Pass Select — unlimited member visits; 2 free guests, then paid (~$469/yr retail).
- CLEAR credit$209per year
Up to $209 a year covering a CLEAR Plus membership for expedited airport security.
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
standard values| SUB value | +$2,250 |
| 150,000 MR × | |
| Benefits (Year 1) | +$1,138 |
↳ $2,959 at sticker value — before custom valuations Ongoing Hotel credit (FHR)($300/semi × ) Hotel credit (FHR) $300/semi × $270 Indeed credit($90/qtr × ) Indeed credit $90/qtr × $144 $189 One-time Global Entry credit($120 × ) Global Entry credit $120 × $30 | |
| Annual fee | −$895 |
| Year 1 | $2,493 |
| Return for spending $20k | 12% |
Sign in to fold in your eligibility, spend-fit, and 5/24.
Related cards
Business Platinum scores 15 here on standard point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →