The Enterprise Platinum Card from American Specific overview
The Enterprise Platinum Card® from American Specific is without doubt one of the greatest enterprise rewards playing cards round, due to its giant welcome bonus and the sheer variety of value-added perks. Whereas it requires some work to take full benefit of them, the hassle can repay, with financial savings of a whole bunch and even 1000’s of {dollars} per 12 months. Card ranking*: ⭐⭐⭐⭐
* Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With premium playing cards on the forefront of the bank card market, many individuals are snug paying annual charges of over $400.
The Enterprise Platinum Card from American Specific is Amex’s high enterprise card providing. The cardboard was simply refreshed, including new assertion credit and advantages and bettering its bonus class incomes charges. Plus, for these all in favour of limited-edition card designs, there is a new mirror card design that might give the Centurion Card from American Specific a run for its cash.
The data for the Centurion Card from American Specific has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Nevertheless, the cardboard did see a 29% annual charge improve to $895 per 12 months (see charges and costs). Present cardmembers will see it take impact Dec. 2, 2025.
Whereas the upper annual charge could possibly be powerful to abdomen, the cardboard’s annual assertion credit and advantages go above and past and will help to offset that yearly price.
That mentioned, this card actually will not be appropriate for each small enterprise — particularly ones that do not journey continuously or ones with major spending areas not coated by this card’s bonus classes.
We advocate candidates have a great to glorious credit score rating to extend their possibilities of getting accepted.
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Let’s dive into the cardboard particulars so you may determine if it is a good match for your enterprise.
Associated: Easy methods to get a enterprise bank card
Amex Enterprise Platinum execs and cons
| Execs | Cons |
|---|---|
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**Enrollment is required for choose advantages.
Amex Enterprise Platinum welcome provide
Proper now, for a restricted time, new Amex Enterprise Platinum candidates can earn 200,000 bonus factors after spending $20,000 inside the first three months of card membership.
TPG’s September 2025 valuations peg the Membership Rewards factors this card earns at 2 cents apiece. So, when you can handle this provide’s excessive spending requirement, you may obtain $4,000 in worth.
That is the very best public welcome provide we have seen on this card, making now a good time to use when you’ve been contemplating this card.
It is vital to notice that Amex has software restriction guidelines, together with a once-in-a-lifetime rule. In case you have or have held this card up to now, you will not be eligible to obtain a welcome provide.
Whereas $20,000 in three months won’t be exhausting for companies with numerous money circulation, in case your enterprise is smaller, you would think about prepaying as many bills as you may afford throughout your first three months to assist earn your welcome provide.
A number of years in the past, I met the minimal spending requirement by paying my taxes and masking some house enchancment bills for members of the family that I used to be later reimbursed for.
Alternatively, if this kind of spending is out of your league, one other enterprise card with a decrease bonus threshold, a smaller annual charge and extra focused incomes classes is perhaps a greater match for you in the long term.
Amex Enterprise Platinum advantages
The Amex Enterprise Platinum has a number of assertion credit simply totaling over $3,500 in annual worth. These will help cardmembers probably offset the preliminary shock of that top annual charge.
This is a detailed take a look at all of them (enrollment is required for choose advantages).
Assertion credit
| Assertion credit score | Annual quantity | The way it works |
|---|---|---|
| Lodge | As much as $600 per calendar 12 months | A press release credit score of as much as $300 semiannually from January to June and July to December on pay as you go American Specific High-quality Resorts + Resorts or The Lodge Assortment bookings with Amex Journey once you pay along with your Amex Enterprise Platinum (Lodge Assortment stays require a two-night minimal) |
| Dell | As much as $150 per calendar 12 months, plus an extra $1,000 in assertion credit after assembly a spending requirement per calendar 12 months | As much as $150 in assertion credit on U.S. purchases made immediately at Dell and an extra $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar 12 months |
| Certainly | As much as $360 per calendar 12 months | As much as $90 per quarter in assertion credit |
| Adobe | $250 per calendar 12 months | $250 assertion credit score after spending $600 or extra on U.S. purchases made immediately at Adobe every calendar 12 months (topic to auto-renewal) |
| Hilton | As much as $200 per calendar 12 months | A press release credit score of as much as $50 per quarter on eligible purchases made immediately with a property within the Hilton portfolio (Hilton for Enterprise program membership is required) |
| Wi-fi phone providers | As much as $120 per calendar 12 months | Assertion credit for purchases made immediately from any U.S. wi-fi phone supplier (as much as $10 per thirty days) |
| Clear Plus | As much as $209 per calendar 12 months | A press release credit score towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal) |
| Airline charge | As much as $200 per calendar 12 months | An annual airline charge credit score of as much as $200 for prices by the airline you choose every calendar 12 months |
| World Entry or TSA PreCheck | As much as $120 | A press release credit score for World Entry ($120) each 4 years or TSA PreCheck (as much as $85) each 4½ years |
| Amex Journey flights and One AP | As much as $1,200 in flight credit and as much as $2,400 in One AP credit | $1,200 in Amex Journey flight assertion credit and $2,400 in One AP assertion credit (legitimate from Jan. 1 to Dec. 31 of the calendar 12 months after assembly the requirement), each after spending $250,000 or extra on eligible purchases (spending in your card this 12 months counts towards the requirement) |
Lounge entry
Together with the plethora of assertion credit chances are you’ll (or might not) be capable of use, the Amex Enterprise Platinum shines by with its different journey perks.
Except for providing entry to Amex’s Centurion Lounges, your card will open the door to the in depth American Specific World Lounge Assortment (entry is restricted to eligible cardmembers). It’s composed of greater than 1,700 lounges worldwide, together with Delta Sky Golf equipment, which you’ll be able to enter when you will have an eligible same-day flight on that airline, Precedence Move areas (enrollment is required; restaurant areas are excluded), Escape lounges and Lufthansa lounges when you will have a same-day flight on Lufthansa.
Nevertheless, it is value noting that you just’re restricted to 10 whole Delta Sky Membership visits per 12 months — except you spend $75,000 in a calendar 12 months to unlock limitless entry.
Lodge and automotive rental standing
As for advantages that come in useful when you attain your vacation spot, this card lets you register for complimentary Gold standing with Hilton Honors and Marriott Bonvoy, which offer larger earnings and elevated advantages throughout stays with these two manufacturers.
You may as well now enroll for Leaders Membership Sterling standing from The Main Resorts of the World. LHW is a set of unbiased accommodations throughout the globe. With standing, you may obtain advantages like upgrades and the flexibility to earn factors.
Cardmembers additionally get pleasure from complimentary elite automotive rental standing with a number of applications, together with Avis Most well-liked, Hertz Gold Plus Rewards and Nationwide Emerald Membership. Enrollment could also be required.
Buying protections
As you may think, the Amex Enterprise Platinum Card can be nice for enterprise purchases. It options prolonged guarantee safety‡ that prolongs eligible U.S. producer warranties of 5 years or much less by an extra 12 months, saving enterprise house owners money and time if one thing occurs to an merchandise they purchase.
Moreover, the cardboard’s buy safety‡ covers unintended harm or theft for as much as 90 days after buy (as much as $10,000 per coated buy and $50,000 per cardmember account per calendar 12 months), so it is a fantastic selection for costly objects.
Different notable advantages
The cardboard’s different standout perks embody:
My ideas on these advantages
This refresh did not add a lot to the advantages facet apart from the brand new $600 resort credit score (as much as $300 again in assertion credit semiannually on pay as you go High-quality Resorts + Resorts or The Lodge Assortment bookings by American Specific Journey®), which matches the one discovered on The Platinum Card® from American Specific. The Lodge Assortment requires a minimal two-night keep.
The American Specific Journey flight credit score and the Amex One AP credit score are good when you can organically attain the spending requirement, however they should not be a needle mover for many.
I battle to make use of a lot of the credit on this card and would have most well-liked some extra common credit. The brand new Leaders Membership Sterling standing is a welcome addition, however I doubt I’ll acquire any actual worth from it since I hardly ever keep at unbiased accommodations. These new additions, to me, do not justify the $200 annual charge improve.
‡Eligibility and profit stage varies by card. Phrases, situations and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm.
§Eligibility and profit stage varies by card. Phrases, situations and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Associated: Is the Amex Enterprise Platinum definitely worth the annual charge?
Incomes factors on the Amex Enterprise Platinum
Amex Enterprise Platinum Card holders will earn:
- 5 factors per greenback spent on airfare and pay as you go resort purchases with American Specific Journey (10% return, based mostly on TPG’s valuations)
- 2 factors per greenback spent on as much as $2 million in eligible purchases within the U.S. per calendar 12 months (then 1 level per greenback thereafter) within the following classes: eligible purchases of $5,000 or extra, U.S. cloud service suppliers, U.S. development supplies and {hardware} provides, U.S. digital items retailers, U.S. transport suppliers and U.S. software program^ (4% return)
- 1 level per greenback spent on all different purchases (2% return)
^Beforehand, cardmembers used to earn 1.5 factors per greenback spent.
As a cardmember, I am upset this refresh did not increase incomes charges on the flights and accommodations class. Solely incomes 5 factors per greenback spent on flights and accommodations booked by Amex Journey is a bit too restrictive for my liking.
I would choose the choice to decide on how I guide, particularly when playing cards just like the Chase Sapphire Reserve for Enterprise℠ (see charges and costs) provide elevated earnings on accommodations and flights booked immediately.
The incomes charges make it powerful to justify preserving this card 12 months after 12 months, even with all of the assertion credit, as I basically simply use it as a coupon guide and for lounge entry.
Associated: Amex Enterprise Platinum vs. Chase Sapphire Reserve for Enterprise: Which premium enterprise card takes the crown?
Redeeming factors on the Amex Enterprise Platinum
We advocate transferring your Membership Rewards factors to any of Amex’s resort and airline companions for optimum worth.
You may as well redeem your factors for service provider present playing cards or to cowl prices in your invoice. Nevertheless, these choices considerably devalue your rewards to 1 cent per level or much less, so we do not advocate utilizing your factors this manner.
The best redemption possibility that also affords respectable worth is Amex Journey’s Pay with Factors function. Like I discussed earlier than, having this card lets you obtain a 35% bonus once you use factors towards any cabin flight in your designated airline.
This boosts your redemption worth for these purchases from 1 cent to 1.54 cents per level.
Simply notice that the 35% bonus is capped at 1 million factors again per calendar 12 months, and you could have the total variety of factors for the usual redemption in your account on the time of reserving. Any factors you are getting again with this profit will arrive inside two billing cycles.
Transferring factors on the Amex Enterprise Platinum
You may unlock much more worth out of your earnings by transferring your Membership Rewards factors to any of Amex’s 20 airline or resort companions. Most transfers happen at a ratio of 1:1 and are processed immediately.
Going this route might require some analysis, however slightly work will help improve the worth of your factors considerably above our valuations.
You will additionally wish to look ahead to Amex’s common switch bonuses, which might additional improve the worth of your factors.
I continuously obtain outsize worth by transferring factors to Air Canada Aeroplan to guide lie-flat seats on Star Alliance companions, similar to United Polaris business-class flights to Europe. I additionally prefer to switch factors to Air France-KLM Flying Blue to benefit from this system’s frequent award promo gross sales.
Associated: Greatest methods to make use of Amex Membership Rewards factors, from business-class flights to Europe to budget-friendly resort stays
Which playing cards compete with the Amex Enterprise Platinum?
In case you really feel that your enterprise won’t be capable of get the total worth out of the Enterprise Platinum, you may wish to think about different choices:
- If you’d like a decrease annual charge and better incomes charges: The American Specific® Enterprise Gold Card affords comparable redemption choices to the Enterprise Platinum however for a decrease annual charge of $375 (see charges and costs). It is a good selection you probably have all kinds of enterprise bills, because it adjusts to your high two spending classes every billing cycle. To be taught extra, please learn our full evaluation of the Amex Enterprise Gold.
- If you do not need business-specific advantages: The Amex Platinum Card is the private model of this card. You will nonetheless earn beneficial Membership Rewards factors, obtain vital worth in annual assertion credit and acquire entry to the identical in depth community of airport lounges worldwide. To be taught extra, please learn our full evaluation of the Amex Platinum.
- If you wish to earn Chase Final Rewards factors: The Chase Sapphire Reserve for Enterprise has a barely decrease annual charge of $795. It is a good selection when you just like the sound of a versatile $300 annual journey credit score and spend lots on promoting, in addition to flights and accommodations booked immediately. To be taught extra, please learn our full evaluation of the Sapphire Reserve for Enterprise.
For added choices, try our full checklist of the very best enterprise bank cards.
Learn extra: Amex Enterprise Gold vs. Amex Enterprise Platinum: Battle of the premium small-business playing cards from American Specific
Backside line
Regardless of a current refresh with a brand new larger annual charge, the Amex Enterprise Platinum Card remains to be a superb selection for enterprise vacationers who spend lots in its bonus classes and with the retailers coated by its assertion credit.
Whereas it won’t be value it for all enterprise house owners, its journey perks are exhausting to beat for the proper cardmember.
Apply right here: The Enterprise Platinum Card from American Specific
For charges and costs of the Amex Enterprise Platinum, click on right here.
For charges and costs of the Amex Enterprise Gold, click on right here.
