American Express Business Platinum
Premium business travel card with over $3,500 in potential annual value across statement credits for business essentials, travel, and lifestyle. 2025 refresh added $600 hotel credit and enhanced earning rates. Earns 5X points on flights and prepaid hotels, plus 1.5X on purchases of $5,000+. Best for business owners with significant travel and business spend who can maximize the extensive credit portfolio. Includes Centurion Lounge access, hotel elite status, and comprehensive travel protections.
Trackable Benefits (11)
These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.
Dell Technologies Credit
$150 annual statement credit for Dell purchases.
Get up to $150 in statement credits per calendar year on eligible U.S. purchases directly with Dell Technologies. Enrollment required. Valid starting July 1, 2025. This is in addition to the $1,000 bonus Dell credit available after spending $5,000 on Dell purchases.
- • 2025 benefit change: Old structure was $200 semi-annual ($400/year). New: $150 base + $1,000 bonus.
- • Stack with the $1,000 bonus Dell credit if you spend $5K+ on Dell annually.
- • Use for computers, monitors, servers, and other business tech.
- • Enroll BEFORE making purchases - enrollment is required.
Bonus Dell Credit
$1,000 bonus Dell credit after spending $5,000 on Dell.
Get an additional $1,000 in statement credits per calendar year after you spend $5,000 or more on eligible U.S. purchases directly with Dell Technologies. This is in addition to the base $150 Dell credit. Enrollment required. Valid starting July 1, 2025.
- • Total Dell value: $1,150/year ($150 base + $1,000 bonus if you spend $5K+).
- • Track your Dell spend throughout the year to ensure you hit $5K threshold.
- • Most businesses won't spend $5K on Dell - evaluate if this benefit is realistic for you.
- • Combine with business purchasing needs: computers, servers, monitors, peripherals.
Wireless Telephone Credit
$120 annual wireless credit ($10/month).
Get up to $120 in statement credits per calendar year (up to $10 back per month) for eligible wireless telephone service purchases made with your Business Platinum Card. Enrollment required. Works with major U.S. carriers.
- • Works with AT&T, Verizon, T-Mobile, and most other U.S. carriers.
- • Covers monthly service charges - doesn't work for phone purchases.
- • Credits are use-it-or-lose-it monthly - no rollover.
- • Enroll BEFORE paying your wireless bill.
Adobe Credit
$250 Adobe credit after spending $600 on Adobe.
Get a $250 statement credit per calendar year after you spend $600 or more on eligible U.S. purchases directly with Adobe. Enrollment required. Covers Creative Cloud, Acrobat, and other Adobe subscriptions and services.
- • Net cost after credit: $350 for $600 in Adobe services (effective 42% discount).
- • Best for businesses using Creative Cloud ($599.88/year for All Apps).
- • Adobe Creative Cloud All Apps: ~$600/year, making this credit nearly perfect fit.
- • Enroll BEFORE purchasing Adobe subscription.
Business Platinum Indeed Credit
$90 quarterly Indeed credit ($360/year).
Get up to $90 in statement credits per quarter (up to $360 per calendar year) for purchases with Indeed. Use for job postings, resume search, and other Indeed services. Enrollment required.
- • Best for businesses with regular hiring needs.
- • Use for sponsored job postings or resume database access.
- • Quarterly credits don't roll over - use it or lose it.
- • Most small businesses won't use $360/year on Indeed unless actively hiring.
Airline Fee Credit
$200 annual airline fee credit.
Get up to $200 in statement credits per calendar year when incidental fees (such as checked bags, in-flight refreshments, seat selection) are charged by the airline you select. Must select one qualifying airline per calendar year. Does not cover ticket purchases.
- • Select your airline in January to maximize value for the year.
- • Common uses: checked bag fees ($35-50 each), seat selection, in-flight WiFi.
- • Does NOT work for ticket purchases - incidental fees only.
- • Can only select one airline per calendar year - choose wisely.
$300 Amex FHR/Hotel Collection Hotel Credit
$300 semi-annual hotel credit through FHR or Hotel Collection ($600/year).
Get up to $600 in statement credits per calendar year ($300 from January-June, $300 from July-December) for prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. The Hotel Collection requires a stay of at least two nights. Includes complimentary perks like room upgrades, late checkout, and daily breakfast.
- • NEW 2025 benefit - significantly increases card value.
- • Fine Hotels + Resorts can be booked for one night; The Hotel Collection requires at least two nights.
- • FHR includes perks: room upgrade, late checkout, daily breakfast, property credit.
- • Credits split by half-year - use $300 before June 30, another $300 before Dec 31.
- • Can't combine both halves for one big trip - use it or lose it each period.
$200 Hilton Statement Credit
$200 Hilton credit per year ($50/quarter).
Get up to $200 in statement credits per calendar year (up to $50 per quarter) for eligible purchases made directly with any Hilton portfolio property. Must book directly with Hilton (not through third-party sites). Enrollment required.
- • Quarterly credits - use $50 each quarter or lose it.
- • Works at all Hilton brands: Hilton, DoubleTree, Hampton, Embassy Suites, Waldorf Astoria, etc.
- • Must book directly with Hilton - not through Expedia, Booking.com, etc.
- • Stack with Hilton Honors Gold Status (free with card) for additional perks.
CLEAR Plus Credit
$209 CLEAR Plus membership credit.
Get up to $209 in statement credits per calendar year after you pay for CLEAR Plus with your Business Platinum Card. CLEAR expedited security lanes at 50+ U.S. airports. Enrollment required.
- • CLEAR Plus credit fully covers the $209 annual membership fee.
- • Must enroll in person at a CLEAR airport location with valid ID.
- • Credit automatically posts to statement after membership charge.
- • Can pay for family member's membership with your card to get the credit.
Global Entry / TSA PreCheck Credit
Statement credit for GE ($120), TSA PreCheck ($78-85), or NEXUS every 4 years.
Credit toward Global Entry ($120), TSA PreCheck ($78-85), or NEXUS application fee. Renewals eligible within the program window. Credit posts as statement credit when application fee charged to card.
- • Global Entry includes TSA PreCheck and works for international travel.
- • Apply early in your 4-year window as approval can take months.
- • NEXUS is cheaper but requires Canada border crossing eligibility.
10 Annual Delta SkyClub Visits
10 complimentary Delta SkyClub visits per year.
Receive 10 complimentary Delta SkyClub visits per year (February 1 - January 31) when traveling on Delta or Delta-marketed WestJet flights. Additional guests cost $39 per person. Visits reset annually on February 1. Can be upgraded to unlimited visits by spending $75,000 on the card in a calendar year.
- • Visit year runs Feb 1 - Jan 31 (not calendar year).
- • Must be traveling on Delta or Delta-marketed WestJet flight to access.
- • Additional guests cost $39 each - not free.
- • Spend $75K on card in calendar year to unlock unlimited visits.
- • 10 visits is generous - most cardholders won't exhaust this.
Other Notable Benefits
The following benefits are included with this card but are not tracked by our platform (no expiration dates or usage limits to monitor).
- ✈️5X points on flights (up to $500k/year)
- 🏨5X points on prepaid hotels via Amex Travel
- 💼1.5X points on eligible purchases of $5,000+ (up to $2M/year)
- 💳1X points on all other purchases
- 🛫Centurion Lounge access (unlimited, 2 guests)
- 🌐Priority Pass Select (1,400+ lounges)
- 🏨Marriott Bonvoy Gold Elite Status
- 🏨Hilton Honors Gold Status
- 🛡️Trip insurance (cancellation up to $10k, delay, baggage)
- 🔒Purchase protection up to $10k/item + extended warranty
- 📱Cell phone protection up to $800/claim
- 🚗Primary rental car insurance worldwide
- 👔Premium concierge service 24/7
- 🏨Fine Hotels + Resorts perks (upgrades, credits, breakfast)
- 🍽️Global Dining Access via Resy
- 🌍Transfer points 1:1 to 20+ airline/hotel partners
- 👥Employee cards available ($200/year each, up to 99 cards)
- ✈️Unlimited Delta SkyClub access (unlocks at $75k annual spend) - valid through Jan 31 following year
The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).
Not included in our estimates:
- • Sign-up bonuses and welcome offers
- • Points earning multipliers and redemption value
- • Travel protections (trip insurance, baggage delay, rental car coverage)
- • Purchase protections (extended warranty, price protection, return protection)
- • Cell phone protection and other insurance benefits
- • Transfer partner value and premium redemptions
The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.
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