Link: Learn more about The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is one of the most perks-rich business cards out there. The card continues to have an excellent welcome offer, making it an ideal time to apply. If you’re eligible for the card and haven’t yet applied, it’s definitely worth considering.
In this post:
Amex Business Platinum Card 200K points welcome offer
The Amex Business Platinum Card has a massive welcome offer where you can earn 200,000 bonus Amex Membership Rewards points after spending $20,000 within the first three months. Personally, I value Membership Rewards points at 1.7 cents each, meaning that to me, the 200,000 points are worth a staggering $3,400.
There are lots of great uses for Amex points, as they can be transferred to all kinds of useful airline and hotel partners. Also keep in mind that having this card lets you unlock the full value of Amex Pay With Points, potentially allowing you to get up to 1.54 cents of value per point toward the cost of airfare on a designated airline. You could then use that redemption rate for all your linked Amex Membership Rewards cards.
Note that sometimes there are targeted welcome offers out there that are bigger. However, those aren’t publicly available, so there’s no link to share, but it’s definitely worth keeping an eye out for those deals, if you do come across them.
Who is eligible for the Amex Business Platinum Card bonus?
In line with Amex’s “once in a lifetime” rule, the welcome offer on the Amex Business Platinum Card isn’t available to those who currently have the card, or those who have had the card (or previous versions of the card) in the past. On top of that, Amex’s general card restrictions apply.
There are a few additional things to note:
- You are eligible for the welcome offer on this card if you’ve had any other Amex card, so you can apply for this card even if you have cards like American Express Platinum Card® (review) or American Express® Business Gold Card (review)
- While Amex typically has a limit of letting someone have at most five Amex credit cards (including personal and business cards), that doesn’t include this product, since it’s not a traditional credit card
- If you’re worried about the Chase 5/24 limit, getting approved for the Amex Business Platinum shouldn’t count as a further card toward that limit
Why the Amex Business Platinum Card is worth it
The Amex Business Platinum Card has a $895 annual fee (Rates & Fees). While this isn’t the most rewarding card in terms of the return on spending, it does have a huge number of valuable perks. Here are just some of them (enrollment is required for select benefits):
- Comprehensive airport lounge access, including Amex Centurion Lounge access, Delta Sky Club® access, a Priority Pass™ Select membership, and more; in all cases, there are some terms and restrictions associated with access
- Elite status with travel brands, including Hilton Honors™ Gold Status, Marriott Bonvoy® Gold Elite Status, and elite status with multiple rental car companies
- Up to thousands of dollars worth of credits, including for airline fees, hotels, wireless purchases, Adobe, Dell, and more
- Access to all kinds of special programs, from Amex Fine Hotels + Resorts®, to the Amex International Airline Program, and more
Of particular note is that the card offers up to $600 per year in hotel credits, in the form of a $300 credit semi-annually. This can be used even for one night stays at Amex Fine Hotels + Resorts® properties, so I think that’s quite easy to maximize, and largely helps with offsetting the annual fee.
Read a full review of the Amex Business Platinum Card here.
Bottom line
The Amex Business Platinum Card has a huge welcome offer of 200,000 bonus points upon completing minimum spending. While the spending requirement is significant, so is the number of points you can earn, so this is worth it if you can swing it.
This card offers all kinds of great perks that can help offset the annual fee, ranging from lounge access, to credits, to elite status, and more.
Do you plan on picking up the Amex Business Platinum Card with the welcome offer of 200K points?
The following links will direct you to the rates and fees for mentioned American Express Cards. These include: The Business Platinum® Card from American Express (Rates & Fees).
Hey Ben;
Sorry for off topic. But wanted to bring some info to your attention, that actually is about CC. Living in Europe does not allow us to avail ourselves of the credit card programs in the States. But I have noticed some things happening here that may impact CC programs in the States.
In talking with some European acquaintances involved in banking, as well as my own experiences, this is what I want to...
Hey Ben;
Sorry for off topic. But wanted to bring some info to your attention, that actually is about CC. Living in Europe does not allow us to avail ourselves of the credit card programs in the States. But I have noticed some things happening here that may impact CC programs in the States.
In talking with some European acquaintances involved in banking, as well as my own experiences, this is what I want to pass on.
1. More and more local businesses and restaurants in Europe are adding a surcharge on any bills paid with American CC. It is usually a fixed amount, that increases in increasing amounts of bills.
2. Fewer and fewer businesses use VISA and Mastercard authenticators.
3. There is an on-going test in Europe to process CC transactions without using VISA or Mastercard. Not sure about AMEX. The rates they charge are far lower than U.S. based processing. Full implementation will be rolled out within two years if testing is completed satisfactorily. Half the country of France is now using this system.
4. This is fueled by European unhappiness with rates charged by U.S. processors.
5. No doubt this will impact earnings of CC companies in States.
6. Credit card usage in Europe is much lower than in States. Most people actively use debit cards one of which is paid upon usage. The other can be paid at the end of the month, in full. For large purchases, credit cards are also used.
This new move is fueled by the deep dissatisfaction in Europe of the high fees on VISA, AMEX, and Mastercard. It is also fueled by an increasing usage of European software and applications. Until Trump, the major U.S. tech companies went along with GDPR rules. Those that didn't were fined significantly. As a result, Europe is weaning itself off of U.S. software. The bottom line is that companies like Microsoft, Google, Facebook will be impacted, as will software developers, like IBM, Oracle.
The point here is that it is likely that these actions in Europe will impact earnings of U.S. based credit cards, thereby putting at some risk the programs aimed at frequent flyers. In short, every time Trump says something about Europe, Europeans are more eager to set many U.S. companies adrift from doing business in Europe.
Ben, After reading this article in the NYT, I more than ever think you should look into this, since it will have a huge impact on the credit card market for VISA and Mastercard.
https://www.nytimes.com/2026/02/12/business/economy/trump-europe-sovereignty.html
It's easy to find higher offers, switch your browser to incognito mode and search for Amex Business Platinum. I was offered 300,000 points for $30k in spend in 3 months.
300K is a BFD. If you/anyone get that one, go for it.
Oh, WOW, you weren't kidding! I just tried it and got the offer to which you referred! Thank you!
Yeah, but that 30K spend (without a lot of obvious RAT bait) is nothing to sneeze at.
And the RAT is always hungry...
Ben, do you know, if a friend opens a business Amex, can that person book a hotel that qualifies for the $300 credit in someone else's (e.g., my) name?
*cracks knuckles* welp, time to open a new 'business'...