The Enterprise Platinum Card® from American Categorical presently options the best welcome bonus it is ever provided publicly: Earn 200,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership.
These factors are price $4,000, per TPG’s October 2025 valuations, which supply a compelling purpose to contemplate making use of.
However earlier than you begin filling out your software, you would possibly marvel in case you’re even eligible to reap the benefits of this supply. It is a small-business card, so there are completely different necessities than whenever you apply for a private card.
Nevertheless, you would possibly qualify for the Amex Enterprise Platinum Card and that unbelievable welcome supply with out even realizing it.
Listed here are a few of the methods to find out in case you’re eligible to use for the Amex Enterprise Platinum card and whether or not it is smart to take action.
Amex Enterprise Platinum Card particulars
As a fast reminder, listed here are the present supply particulars and a roundup of the cardboard’s key perks:
Present welcome supply
New Amex Enterprise Platinum cardmembers can earn 200,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership.
That is the best welcome bonus we have ever seen publicly provided on this card.
Annual charge
The Amex Enterprise Platinum card comes with a $895 annual charge (see charges and costs). Whereas this charge is massive, it is attainable to offset this value by maximizing the assertion credit and advantages that include the cardboard.
Reward your inbox with the TPG Every day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Incomes
The Amex Enterprise Platinum earns factors on the following charges:
- 5 factors per greenback spent on flights and pay as you go accommodations booked on amextravel.com
- 2 factors per greenback spent on eligible purchases at U.S. building materials and {hardware} suppliers, U.S. digital items retailers, U.S. software program and cloud system suppliers and U.S. delivery suppliers, in addition to on purchases of $5,000 or extra (as much as $2 million per calendar yr, then 1 level per greenback spent)
- 1 level per greenback spent on different purchases
Key advantages
The Amex Enterprise Platinum contains quite a few assertion credit, together with:
- Dell assertion credit score: As much as $150 in assertion credit on U.S. purchases made immediately at Dell and an extra as much as $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar yr*
- Resort assertion credit score: As much as $600 lodge assertion credit score per calendar yr (as much as $300 in semi-annual credit), on pay as you go Amex Tremendous Resorts + Resorts or The Resort Assortment bookings by means of Amex Journey whenever you pay along with your Amex Enterprise Platinum (Resort Assortment stays require a two-night minimal)
- Certainly assertion credit score: As much as $360 in annual assertion credit on Certainly (as much as $90 per quarter)*
- Adobe assertion credit score: As much as $250 assertion credit score after spending $600 or extra on U.S. purchases made immediately at Adobe every calendar yr (topic to auto-renewal)*
- Clear Plus assertion credit score: As much as $209 in assertion credit per calendar yr towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal)*
- Airline charge credit: As much as $200 every year in assertion credit per calendar yr for expenses by the certified airline you choose
- Hilton assertion credit score: As much as $200 assertion credit score per calendar yr (as much as $50 quarterly) on eligible purchases made immediately with a property within the Hilton portfolio (Hilton for Enterprise program membership is required)
- World Entry or TSA PreCheck: As much as $120 in assertion credit for World Entry or TSA PreCheck functions ($120 for World Entry each 4 years or as much as $85 for TSA PreCheck each 4½ years)
- Wi-fi phone service assertion credit: As much as $120 in annual assertion credit for purchases made immediately from any U.S. wi-fi phone supplier (as much as $10 per 30 days)*
- Amex Journey flights and One AP: As much as $1,200 in Amex Journey flight assertion credit and as much as $2,400 in One AP assertion credit (legitimate from Jan. 1 to Dec. 31 of the calendar yr after assembly the requirement), each after spending $250,000 or extra on eligible purchases in a calendar yr
Different advantages embody a 35% airline bonus whenever you use Pay with Factors for airfare booked by means of Amex Journey (as much as 1,000,000 factors again every calendar yr) on the airline that you choose on your annual as much as $200 airline charge assertion credit score, no matter fare class, and complimentary Gold elite standing in Hilton Honors*, Gold elite standing with Marriott Bonvoy* and Leaders Membership Sterling standing from Main Resorts of the World.*
Plus, eligible cardmembers obtain entry to Centurion Lounges, Delta Sky Golf equipment (when flying Delta)**, Precedence Cross™ lounges* (for you and two company) and Airspace lounges.
Because of all these perks, the Amex Enterprise Platinum commonly ranks among the many finest enterprise rewards playing cards.
*Enrollment is required.
**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per yr to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.
Associated: Lesser-known advantages of the Amex Enterprise Platinum card
Are you eligible to use for the Amex Enterprise Platinum?
You will be eligible for the Amex Enterprise Platinum, together with its welcome supply, in case you’re a first-time applicant.
Even in case you’re a freelancer, impartial contractor or have a aspect hustle, you’ll be able to nonetheless get accepted for the Enterprise Platinum. You needn’t make seven figures (and even 5 figures) out of your small enterprise every year to have a small-business card.
Let’s take a look at the phrases and situations of the cardboard itself, after which we’ll delve into a few of the extra particular software guidelines Amex has in place.
Amex Enterprise Platinum software phrases
Like many different American Categorical playing cards, the Amex Enterprise Platinum has strict eligibility guidelines in terms of incomes its welcome supply — particularly for present or former cardmembers.
Based on the appliance phrases:
You is probably not eligible to obtain a welcome supply you probably have or have had this Card or earlier variations of this Card. You additionally is probably not eligible to obtain a welcome supply primarily based on numerous elements, resembling your historical past with bank card steadiness transfers, your historical past as an American Categorical Card Member, the variety of bank cards that you’ve opened and closed and different elements. In case you are not eligible for a welcome supply, we are going to notify you previous to processing your software so you might have the choice to withdraw your software.
In different phrases, it’s possible you’ll be disqualified not just for having had the cardboard earlier than, but additionally in case you’ve opened and shut a number of Amex playing cards or carried out a number of steadiness transfers.
Unsure in case you’ve had the cardboard prior to now? Amex has a helpful instrument throughout the software course of that can let you already know in case you’re eligible for the welcome supply earlier than your software is processed.
That stated, welcome supply eligibility with Amex is not all the time so minimize and dry — it is primarily based on a variety of inside elements, so your mileage could fluctuate.
Amex software restrictions
American Categorical sometimes limits most individuals to holding a most of 5 Amex bank cards without delay — together with each private and enterprise playing cards.
Nevertheless, sure merchandise, just like the American Categorical Platinum Card® and the Amex Enterprise Platinum, are somewhat completely different from conventional bank cards in that they haven’t any preset spending restrict — which signifies that your spending restrict is versatile, in contrast to a standard card with a set restrict. The quantity you’ll be able to spend adapts primarily based on elements resembling your buy, cost and credit score historical past.
As a result of these playing cards fall right into a separate class, they’re seemingly not topic to Amex’s five-credit-card restrict. That does not assure approval, nonetheless.
Amex additionally considers your general profile, together with creditworthiness and up to date software historical past, when deciding whether or not to approve you.
Amex additionally sometimes limits approvals to 2 playing cards inside a 90-day interval, so in case you’ve just lately utilized for one more Amex card, it’s possible you’ll want to attend earlier than making use of once more.
If you have already got a number of Amex playing cards with excessive credit score limits, the issuer is probably not keen to increase any additional debt to you.
Talking of issuer software restrictions, in case you’re eyeing a Chase card just like the Chase Sapphire Most popular® Card (see charges and costs), you may be nervous about Chase’s 5/24 rule.
However there’s excellent news: Amex enterprise playing cards do not depend towards that restrict. So you’ll be able to apply for the Amex Enterprise Platinum with out affecting your possibilities of getting a Chase card down the road.
Associated: The final word information to bank card software restrictions
Does it matter if you have already got a private Amex Platinum card?
Under no circumstances. The non-public and enterprise variations of the Amex Platinum are thought of separate merchandise, so already holding the non-public card will not disqualify you from making use of for the Enterprise Platinum — or from incomes its welcome supply.
Do you want a enterprise to use?
Not essentially. Whereas the Amex Enterprise Platinum is technically a small-business card, you do not want a proper enterprise to qualify. Amex — and different issuers — acknowledge that freelancers, impartial contractors and aspect hustlers typically want enterprise bank cards to separate private and work bills.
That stated, the Enterprise Platinum is a premium product, so approval is not assured for simply any aspect gig. Chances are you’ll want to offer proof of enterprise revenue or supporting particulars like a “doing enterprise as” (DBA) identify, relying in your software.
Are you able to get the cardboard twice?
In some instances, sure — particularly in case you function a number of companies. There are stories of cardmembers being focused with gives to use for a second Amex Enterprise Platinum with one other welcome supply.
Amex understands that separate companies could require separate playing cards for accounting and expense monitoring. So in case you run a couple of enterprise — or work for a number of firms —you may be prequalified for an extra Enterprise Platinum.
These situations are comparatively uncommon, although. If you happen to do obtain one, it is a good suggestion to contact Amex immediately to substantiate your eligibility for the welcome supply earlier than making use of.
Name the reconsideration line
In case your software for the Amex Enterprise Platinum is declined, do not quit simply but — calling the Amex reconsideration line may give you a second shot at approval. By calling them, you’ll be able to ask if there have been particular points along with your software you can tackle over the telephone or by offering additional info.
Throughout the name, you’ll be able to ask if there have been particular issues along with your software and supply to offer extra info. Be ready to elucidate why you are within the card — past simply the welcome supply — resembling particular options or advantages that align with your corporation wants.
You might also want to produce particulars about your corporation, together with revenue verification and enterprise tackle.
If you happen to’re nonetheless denied, do not be discouraged. Chances are you’ll be eligible to use once more sooner or later, particularly if Amex rolls out an elevated welcome supply. Take into account it a platinum lining.
Backside line
The Amex Enterprise Platinum stays one of many prime small-business rewards playing cards in the marketplace — particularly with its present elevated welcome supply. If you happen to’re interested by making use of, take a second to learn the eligibility necessities to present your self the very best probability of approval.
Apply right here: The Enterprise Platinum Card from American Categorical
For charges and costs of the Amex Enterprise Platinum, click on right here.
