When you think about including a card that boasts an annual price near $900, it is sensible that you simply’d need to severely weigh out its advantages earlier than making use of.
With the The Enterprise Platinum Card® from American Specific, its $895 annual price (see charges and charges) may very well be probably justified by its a number of perks and assertion credit.
Nonetheless, the Amex Enterprise Platinum is not your best option for each enterprise proprietor.
Here is what it’s good to learn about whether or not paying the excessive annual price of Amex Enterprise Platinum is price it for you.
Welcome bonus
New candidates to the Amex Enterprise Platinum can earn 200,000 bonus factors after spending $20,000 in eligible purchases throughout the first three months of card membership.
In keeping with TPG’s October 2025 valuations, American Specific Membership Rewards factors are price 2 cents apiece, making this bonus price $4,000.
This heightened welcome provide may make the cardboard price including to your pockets, particularly since TPG’s valuation deems it price greater than 4 occasions the $895 annual price.
Nonetheless, the bonus is a one-time perk, and simply how a lot worth you get from it is going to depend upon the way you redeem your factors.
Associated: Find out how to redeem American Specific Membership Rewards for optimum worth
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Lounge entry
Those that have the Amex Enterprise Platinum can entry a variety of lounges by means of the American Specific World Lounge Assortment. (Entry is restricted to eligible cardmembers.)
These embody:
You possibly can seek the advice of the World Lounge Assortment’s on-line search perform to seek out lounges accessible in your subsequent journey. Entry is restricted to eligible cardmembers.
When visiting these lounges, you possibly can get pleasure from advantages like complimentary snacks, meals, drinks (generally together with complimentary alcohol) and complimentary Wi-Fi. Sure lounges can have higher advantages, corresponding to full meals, showers, kids’s play areas and extra.
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Resort elite standing
Cardmembers can register for computerized elite standing with Hilton Honors, Main Motels of the World’s Leaders Membership and Marriott Bonvoy. This profit supplies Gold standing for Hilton and Marriott and Sterling standing for Leaders Membership. (Enrollment is required.)
These elite statuses can present a number of advantages corresponding to late checkout, room upgrades and bonus factors.
In the event you’re not already loyal to a specific lodge model, robotically receiving three elite statuses may very well be seen as a significant perk for enterprise house owners.
Associated: Evaluating the most effective lodge elite standing tiers and tips on how to earn them
Automobile rental elite standing
Cardmembers can enroll for complimentary elite standing with a number of automotive rental applications.
These applications are Avis Most popular, Hertz Gold Plus Rewards and Nationwide Emerald Membership. (Enrollment is required for these advantages.)
Rental automotive elite standing supplies advantages like automotive upgrades, a free second driver, and the power to skip the road and go straight to your automotive at the beginning of your rental.
Probably the greatest advantages of automotive rental elite standing in any program is the power to standing match with different rental automotive applications, serving to you achieve standing in quite a few applications concurrently. It is a unbelievable perk that may simply assist offset the annual price in the event you regularly hire automobiles.
Associated: Here is every little thing it’s good to learn about rental automotive elite standing
Annual airline assertion credit every calendar 12 months
Touring can generally include pricey charges that present up within the type of paying for checked baggage or upgrading to a greater seat in your flight. Fortuitously, Enterprise Platinum cardmembers can offset these charges with as much as $200 in assertion credit for airline incidental charges per calendar 12 months.
Enterprise Platinum cardmembers can select one of many following airways as their most well-liked airline: Alaska Airways, American Airways, Delta Air Strains, Hawaiian Airways, JetBlue Airways, Spirit Airways, Southwest Airways or United Airways.
Earlier than utilizing this profit, you will need to select a most well-liked airline. The profit can cowl change and cancellation charges, seat choice charges, improve charges, checked bag charges and extra.
This versatile credit score might be simple to make use of and probably makes the annual price price it.
Associated: Find out how to use the Amex Platinum $200 airline price credit score
Pay with Factors perk
When utilizing factors to pay for a flight by means of Amex Journey, Enterprise Platinum cardmembers can get 35% of their factors again. This is applicable to flights booked together with your chosen qualifying airline (the identical one you select to your airline incidental credit score; as much as 1 million factors again per calendar 12 months).
Cardmembers can get pleasure from as much as 1 million factors refunded by means of this profit yearly, so it may very well be a unbelievable one to maximise and assist offset the $895 annual price.
Associated: Why I really like the Amex Enterprise Platinum’s Pay With Factors perk
Advantageous Motels + Resorts and The Resort Assortment
Amex Enterprise Platinum cardmembers can ebook stays with Advantageous Motels + Resorts and The Resort Assortment.
Plus, for these bookings, the cardboard now gives an as much as $600 lodge credit score per calendar 12 months (as much as $300 again in assertion credit biannually on pay as you go Advantageous Motels + Resorts or The Resort Assortment bookings by means of American Specific Journey®; minimal two-night keep for THC).
FHR stays embody advantages like each day breakfast for 2, late checkout, complimentary Wi-Fi and room upgrades (if obtainable at check-in). Every keep additionally features a distinctive expertise credit score price $100, sometimes within the type of eating credit or spa credit.
THC stays embody room upgrades (if obtainable at check-in) and a $100 property credit score (with bookings of two consecutive nights or extra) to spend on qualifying eating, spa and resort actions.
Entry to this credit score and these applications definitely helps offset the $895 annual price, so long as you journey repeatedly sufficient to make use of the perks.
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Bonus factors for airfare, lodges and enterprise bills
When cardmembers play with the Enterprise Platinum, they will earn 5 factors per greenback on airfare and pay as you go lodge bookings made by means of American Specific Journey.
This incomes price additionally consists of bookings with Advantageous Motels + Resorts and The Resort Assortment.
Cardmembers may earn 2 factors per greenback on purchases at U.S. development materials and {hardware} suppliers, digital items retailers, delivery suppliers, and software program and cloud system suppliers, in addition to on every eligible buy of $5,000 or extra, as much as $2 million of those purchases per calendar 12 months.
If your corporation regularly spends in these classes or on purchases of at the least $5,000, you possibly can rack up beneficial Membership Rewards factors.
Associated: Get free breakfast, room upgrades and extra with the Amex Advantageous Motels + Resorts program
Quarterly Hilton assertion credit
The Enterprise Platinum additionally contains a quarterly assertion credit score for purchases with Hilton. Cardmembers obtain as much as $200 in assertion credit per calendar 12 months, cut up into 4 as much as $50 quarterly credit. (Enrollment is required.)
You possibly can earn the credit score just by making a purchase order immediately with a Hilton portfolio property utilizing your Enterprise Platinum card. Eligible expenses embody room charges and incidental purchases, like eating, room service, and spa remedies.
It is essential to notice you will must enroll within the Hilton for Enterprise program to be eligible for the assertion credit score. In the event you’re not a member of Hilton for Enterprise, you will be registered if you enroll within the card’s profit.
Once more, if you’ll stick with Hilton regularly sufficient to maximise this credit score, it additionally makes the cardboard’s annual price price it.
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World Entry or TSA PreCheck software price reimbursement
Enterprise Platinum cardmembers can obtain assertion credit to reimburse their software charges for World Entry (as much as $120) or TSA PreCheck (as much as $85). This profit is accessible each 4 years for World Entry or each 4 1/2 years for TSA PreCheck.
With this perk, you possibly can navigate by means of airport safety within the U.S. quicker with PreCheck lanes at sure airports. Even higher, World Entry lets you enter the U.S. by means of passport management extra shortly with designated lanes.
Annual Clear Plus membership credit score
Whereas Clear is not a authorities safety program, it might assist you to pace by means of safety checkpoints at airports and choose stadiums with biometrics.
Cardmembers can obtain reimbursement in assertion credit of as much as $209 per calendar 12 months for Clear Plus membership charges. (Enrollment is required for this profit. Pay together with your Enterprise Platinum card to robotically obtain a press release credit score; it is topic to auto-renewal.)
These credit can present unbelievable worth to frequent vacationers, particularly in the event you do not have already got a card with these perks.
Associated: 7 methods to get free or discounted TSA PreCheck, World Entry and Clear
Cellphone safety and wi-fi credit
In the event you pay your month-to-month cellphone invoice with the Enterprise Platinum, you will obtain cellphone safety to cowl your cellphone towards loss or injury. There’s a most of $800 legal responsibility per declare, and every declare is topic to a $50 deductible. There’s additionally a restrict of two claims per eligible account in a 12-month interval.
Coated telephones are restricted to cellphone traces listed on a cell phone plan paid with the eligible card throughout the newest billing interval.*
Plus, you will obtain as much as $120 per calendar 12 months in assertion credit for purchases made immediately from any U.S. wi-fi phone supplier (as much as $10 per 30 days), which additionally helps offset the annual price.
Combining this safety with the month-to-month wi-fi credit coated above is a good way to invoke insurance coverage advantages plus a reduction in your month-to-month cellphone invoice.
*Eligibility and profit ranges range by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Associated: Your full information to procuring protections on American Specific playing cards
Different business-related credit
Lastly, relying on their common spending, enterprise house owners may maximize a number of assertion credit on the Enterprise Platinum.
These embody:
- Dell assertion credit score: As much as $150 per calendar 12 months 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 credit score: As much as $360 assertion credit score per calendar 12 months (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 12 months (topic to auto-renewal)
Plus, after spending $250,000 or extra on eligible purchases (spending in your card this 12 months counts towards the requirement), you will earn 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 12 months after assembly the requirement).
If your corporation is ready to use these credit or spend as much as the high-value Amex Journey flight and One AP credit, this might positively assist offset the cardboard’s excessive annual price.
Associated: Forgettable assertion credit guidelines: Perks and advantages to not be ignored
Backside line
With so many assertion credit and perks to maximise on the Enterprise Platinum, there are various ways in which organized enterprise house owners can recoup their annual price.
An $895 annual price is definitely price contemplating. So long as you discover the worth of the cardboard’s advantages to be larger than that, an software may very well be so as.
General, it relies upon whether or not your corporation bills and journey preferences make the cardboard’s excessive annual price price it.
To study extra, learn our full assessment of the Amex Enterprise Platinum.
Apply right here: The Enterprise Platinum Card from American Specific
For charges and charges of the Amex Enterprise Platinum, please click on right here.
