Update: 10/22/26:

• Effective today, Business Platinum cardholders now receive Unlimited access to ZO Clubhouse spaces, plus 4 guest day passes at Clubhouses per week, plus 4 complimentary day passes per month to U.S. Studio locations. You can find locations here in NYC, Boston, Chicago, Los Angeles, San Francisco, and Rio de Janeiro.
• Cardholders also receive up to $500 in statement credits per calendar year for event space bookings at ZO or Studio locations and/or the purchase of a Dining Club membership when they use their eligible American Express Card.
• Enrollment in the benefit is not required. Card Members can activate their ZO Membership online or through the ZO app in advance of their visit. Studio visits must be reserved in advance through the ZO App or online.
• Effective today, you can book Airbnb Luxe stays via the AMEXTravel site and 2+ night bookings will qualify for the $300 semi-annual lodging credit.
• After booking any Airbnb Luxe stays via the AMEXTravel site, cardholders will receive up to a $250 statement credit for Airbnb experiences. That credit will be valid for purchases from the day the reservation was confirmed until the end of the calendar year.
• You will earn 5 points per dollar on Airbnbs booked via AMEXTravel.
• Effective 1/1/27, Fine Hotels + Resorts (FHR) bookings will require a minimum two-night stay to be eligible for the $300 semi-annual Lodging Credit.
• Effective 2/17/27, the monthly $10 wireless credit will be limited to Verizon, AT&T, T-Mobile, Frontier, Comcast, Charter, Spectrum Mobile, UScellular, Optimum, Ultra Mobile, and Mint Mobile.
• Effective 2/17/27, bonus points on US shipping will be limited to purchases made directly with UPS, FedEx, United States Postal Service, Auctane, DHL, Worldwide Express, and Old Dominion Freight Line, Inc.

Originally posted on 9/18/25:

• Related posts:
  • Fantastic Newly Refreshed AMEX Consumer Platinum Card: Now Earn As High As 175,000 Welcome Bonus Points And Awesome New Benefits Offering Over $3,500 Value!
  • AMEX Makes Biggest Investment Ever In A Card Refresh, Here’s What The Platinum Card Changes Mean For You
  • New Podcast! Is The Amex Business Platinum Card The Best Credit Card For Business Owners In 2025?

The Business Platinum Card® from American Express: Now Earn As High As 300,000 Welcome Bonus Points And Benefits Offering Over $3,500 Value!

AMEX has made its largest-ever investment into a card refresh on The Platinum Card® from American Express and The Business Platinum Card® from American Express. The Consumer Platinum refresh adds a lot of value in rather useful and valuable “coupons,” while the Business Platinum refresh adds big value for spending on the card. While no benefits were removed from the Consumer Platinum card, the Business Platinum card now only a 35% points rebate on the airline of your choice. That’s still a valuable perk, but it is a big downgrade from getting the rebate on all airlines in premium cabins.

This post will tackle the refreshed Business Platinum card, and there will be another post for the refreshed Consumer Platinum card.

These new benefits are all now in effect for new and existing cardholders!

Welcome bonus

You can apply and find out your welcome offer and earn as high as 300,000 American Express Membership Rewards welcome bonus points for opening an AMEX Business Platinum card and spending $20,000 within your first 3 months of card membership.

Apply, and if approved, you will find out your offer amount. You can then accept the card with your offer or decline to open the card. After you spend $20,000 in 3 months, you will receive the points. Welcome offers vary and you may not be eligible for an offer.

There is no impact on your credit score if you don’t accept the card offer. If you’re approved and accept the card, your credit score may be impacted. In general, AMEX doesn’t do a hard credit pull for anyone who already has an AMEX card.

Annual fee 

$895.

There is a $400 annual fee for additional Platinum cardholders and no annual fee for additional Employee Business Expense cardholders. Plus, no-fee business expense cardholders can still get their own free Global Entry/Pre-Check membership!

For rates and fees of the AMEX Business Platinum Card, please visit here.

Welcome bonus terms

As with all AMEX cards, if you’re an existing AMEX cardholder, there is no hard credit pull for applying for a card.

You officially won’t get the welcome bonus on this card if you have or have had this card, though readers have reported success after several years.

You can tell if you are eligible for an AMEX welcome bonus by simply applying. If you are not eligible for the bonus you will get a popup notification after clicking to apply for the card. At that point you can decide whether to proceed or cancel the application before it is actually processed.

You must keep the card active without closing or downgrading it for at least 12 months.

Mirror Design 

A special limited edition mirror card design is available for new cardholders, and for existing cardholders who contact AMEX and ask for one.

You can order a replacement card and select a new card design on the AMEX site. I was able to get a sneak peek at it last week, and it’s truly a gorgeous card design, though it’s not easy to photograph!

Card earnings 

• 5 points per dollar on flights and prepaid hotels booked on AMEXTravel.com.
• 2 points per dollar on purchases of $5,000+
  • That’s up by 33% from 1.5 points per dollar previously!
• 2 points per dollar on electronic goods retailers and software & cloud system providers, construction material and hardware suppliers, and shipping providers.
  • That’s up by 33% from 1.5 points per dollar previously!
  • Effective 2/17/27, bonus points on US shipping will be limited to purchases made directly with UPS, FedEx, United States Postal Service, Auctane, DHL, Worldwide Express, and Old Dominion Freight Line, Inc.
• The cap on the combined 2x point categories is $2 million in annual spending.
• 1 point per dollar everywhere.
• There are no foreign transaction fees.

• Construction material and hardware suppliers are in the primary business of selling a range of supplies, including items like raw materials (e.g., lumber, concrete, metals) and building supplies (e.g., hardware, flooring, paint, plumbing, AC/heating, electrical). Includes stores like Builders FirstSource, Home Depot, Lowe’s, Northern Tool, Sherwin-Williams, etc.
• Electronic retailers are in the primary business of selling a range of electronic goods (e.g., Dell, Best Buy, Newegg, etc.).
• Software and cloud system providers are in the primary business of selling programs and data storage, whether downloaded or cloud-hosted (e.g., AWS, Adobe, Salesforce, etc.).
• To earn additional rewards for shipping, the purchase must be made in the U.S. for courier, postal, and freight shipping services. Examples of merchants that accept the Card and where you can earn additional rewards include: FedEx, UPS, United States Postal Service, etc.

Spend Threshold:

You can pay your federal taxes for a 1.85% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

$300 ChatGPT credit:

This card now comes with a $300 annual credit for ChatGPT Business, which costs $25/user per month when billed monthly or $20/user per month when billed annually.

Enrollment is required here.

There is a minimum of 2 users. That means with 1 card you can get 6 months of the service covered by card credits when billed monthly, or with 2 cards you can get all of the service covered by card credits when billed monthly. You can also split the billing with someone else who has an eligible card to get the service covered, with each person using their card for 6 months of billing.

There are also frequent promos for a free user with a paid user for 48 months.

ChatGPT Business includes everything in ChatGPT Plus and Business Codex plans, including unlimited core chat and access to the best models for work, 60+ apps that bring your tools and data into ChatGPT, like Slack, Google Drive, SharePoint, GitHub, Atlassian, and more, and business features like apps, data analysis, record mode, canvas, shared projects, and custom workspace GPTs.

Earned value credit

Spend $250K in a calendar year and you’ll earn the following perks for use in the following calendar year:

• $1,200 AMEX Travel airfare statement credits.
• $2,400 American Express One AP Accounts Payable Solution statement credits.

$600 annual prepaid hotel credit 

Cardmembers will automatically receive $600 back in statement credit on prepaid hotel bookings made via Fine Hotels + Resorts (FHR) or via The Hotel Collection (THC), with a $300 benefit for hotels booked between January-June and a $300 credit for hotels booked from July-December.

You can now also book Airbnb Luxe stays via the AMEXTravel site, and 2+ night bookings will qualify for the $300 semi-annual lodging credit.

Effective 1/1/27, Fine Hotels + Resorts bookings will require a minimum two-night stay to be eligible for the $300 semi-annual Lodging Credit.

Enrollment isn’t required.

This card didn’t previously have a hotel credit.

There are more than 3,100 eligible hotels in more than 110 countries. You can use the MaxFHR site to help find FHR bargains!

This is a $900 value in your first cardmembership year!

Additionally, these bookings come with complimentary benefits, such as room upgrades (when available), 12pm early checkin (when available), and a minimum $100 credit to use for on-property charges. You’ll also earn 5 points per dollar spent.

These bookings also qualify for regular hotel points and elite benefits.

FHR bookings also come with daily breakfast for 2, free WiFi, and 4pm guaranteed late checkout.

FHR hotels can be booked for just 1 night, but THC hotels have a 2 night requirement.

You can also stack this with 3rd night free on eligible FHR and THC hotels through 11/30/25, including the Waldorf Astoria Jerusalem.

Sample hotels you can book with FHR to get the $600 annual credit as well as a minimum $100 property credit and 4pm late checkout, include the Waldorf Astoria New Orleans:

The Palazzo Las Vegas:

The Grand Hyatt Vail:

The Setai Tel Aviv:

The Mamilla Jerusalem:

• For example, in Israel you can use this $600 annual credit at hotels like:
  • The Ritz-Carlton, Herzliya (FHR). Platinum members also get daily breakfast for 2 adults (kids always eat free here), room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a $100 property credit.
  • Waldorf Astoria Jerusalem (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a $100 food and beverage credit.
  • The David Citadel Hotel, Jerusalem (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a $100 property credit.
  • King David Jerusalem (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a $100 property credit.
  • Mamilla Hotel, Jerusalem (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a complimentary dinner, and a $100 property credit.
  • InterContinental David Tel Aviv (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a complimentary dinner, and a $100 food and beverage credit.
  • The Jaffa, a Marriott Luxury Collection Hotel (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a complimentary dinner, and a $100 food and beverage credit.
  • The Setai Tel Aviv Hotel (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a complimentary dinner, and a $100 property credit.
  • The Vista at Hilton Tel Aviv (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a complimentary dinner, and a $100 food and beverage credit.
  • The David Kempinski Tel Aviv (FHR). Platinum members also get daily breakfast for 2, room upgrade at checkin when available, noon checkin when available, 4pm checkout guaranteed, free WiFi, and a complimentary dinner, and a $100 food and beverage credit.
  • Dan Carmel, Haifa (THC). Platinum members also get a room upgrade at checkin when available and a $100 hotel credit to spend on food and beverage, spa, and other on-property charges.
  • The Drisco Hotel Tel Aviv (THC). Platinum members also get a room upgrade at checkin when available and a $100 hotel credit to spend on food and beverage, spa, and resort activities.
  • Elkonin Tel Aviv – MGallery (THC). Platinum members also get a room upgrade at checkin when available and a $100 hotel credit to spend on food and beverage, spa, and resort activities.
  • Hilton Tel Aviv (THC). Platinum members also get a room upgrade at checkin when available and a $100 hotel credit to spend on food and beverage, spa, and other on-property charges.

$250 Airbnb Experiences credit

After booking any Airbnb Luxe stays via the AMEXTravel site, cardholders will receive up to a $250 statement credit for Airbnb experiences. T

hat credit will be valid for purchases from the day the reservation was confirmed until the end of the calendar year.

$200 Annual Hilton credit

You can get $50 cash back at Hilton hotels every quarter.

Enrollment is required here.

You can also lock in credit at hotels like the Waldorf Astoria Jerusalem.

This is a $250 value in your first cardmembership year!

Annual Dell credit

You can earn an annual $150 Dell.com statement credit.

Enrollment is required here.

This is a $300 value in your first cardmembership year!

Additionally, there is now an annual $1,000 off $5,000 Dell statement credit, which you can spend in one or more purchases.

If you can maximize those savings, that’s a potential $2,300 value in your first cardmembership year!

AMEX Business cards also often have an AMEX Offer available for 10% off all purchases from Dell.

Dell allows you to split a charge among 3 credit cards at checkout. If you have multiple Business Platinum cards that means you can get a credit on each one by splitting the charge among multiple cards.

You can find Dell deals that we have posted here.

$120 Annual Wireless credit

You can get $10 cash back on your wireless bill every month! Plus don’t forget that this card now comes with cell phone protection when you pay your bill with this card!

Enrollment is required here.

This is a $130 value in your first cardmembership year!

Valid only on purchases for monthly wireless telephone service charges made directly from a wireless telephone service provider in the United States and U.S. Territories. Purchases for hardware and equipment are NOT included. Any purchases from third parties, authorized retailers or resellers are excluded.

Effective 2/17/27, the monthly $10 wireless credit will be limited to Verizon, AT&T, T-Mobile, Frontier, Comcast, Charter, Spectrum Mobile, UScellular, Optimum, Ultra Mobile, and Mint Mobile.

Adobe credit

You can earn an annual $250 off $600 Adobe statement credit. This benefit will no longer be limited to Creative Cloud for teams and Acrobat Pro DC, it will now be valid for all US purchases made directly from Adobe.

Enrollment is required here.

If you can maximize those savings, this is a $500 value in your first cardmembership year!

$360 Indeed credit

You can get $90 cash back on Indeed.com every quarter

Enrollment is required here.

If you can maximize those savings, this is a $450 value in your first cardmembership year!

$219 annual CLEAR+ credit

Platinum Card members can enroll in CLEAR and get reimbursed for up to $219 in annual charges.

Enrollment is not required.

This is a $438 value in your first cardmembership year!

CLEAR+ normally costs $219/year, but United and Delta non-elite members can enroll in CLEAR+ for $209/year. United and Delta cardholders and mid-tier elite members can enroll in CLEAR+ for $179/year. United 1K and Delta Diamond elites can enroll in CLEAR+ for $129/year. Delta 360 and United Global Services elites get CLEAR+ for free. Federal, state, and local government employees, as well as active duty military and veterans can enroll in CLEAR+ for $125/year.

A CLEAR+ member can add up to 3 adults for $125 each, which can also be covered by those cards.

Kids under 18 can go with their parents for free without a membership or biometrics required.

CLEAR allows you to skip to the front of the line. If you have PreCheck you can skip to the front of the PreCheck line and if you don’t have PreCheck you can skip to the front of the regular line.

You don’t need to take out your ID either, your fingerprint or eye acts as your ID.

The dependability that skipping the line gives you is simply amazing. It means I can leave my house 55 minutes before a flight and know that I won’t miss my flight out of CLE. When I’m with my family I’ll leave plenty of time and enjoy the airport lounge, but if I’m solo, the less wasted time in the airport is always a win.

Apply now and you can earn the $209 bonus twice in your first cardmembership year.

$200 annual airline fee credit

Every calendar year, you can get a $200 credit for airline fees. That means you’ll get $200 back in 2026 and $200 back in 2027 during your first cardmembership year.

This is a $400 value in your first cardmembership year!

You can register for an airline here.

This selection will also determine which airline you will earn a 35% points rebate when redeeming AMEX points for paid airfare.

You can choose from Alaska, American, Delta, JetBlue, Southwest, Spirit, or United.

You can read this post to see what currently works for airline fee credits, including TravelBank funding for select airlines.

Leaders Club Sterling Status 

Cardholders can enroll in Leaders Club Sterling status. That provides upgrades, daily breakfast for 2, early checkin and late checkout, complimentary WiFi, 5 pre-arrival upgrades, and more.

Enrollment is required here.

AMEX points now transfer to Leaders Club where you get fantastic values at hotels like the King David Jerusalem, Setai Tel Aviv, Acqualina Resort & Residences on the Beach Miami, Carillon Miami Wellness Resort, The Setai Miami Beach, Beach Club at The Boca Raton, The Brazilian Court Hote Palm Beach, Ritz Paris, Ritz London, Palazzo Roma, Palazzo Venart Luxury Hotel Venice,  Alvear Palace Hotel Buenos Aires, Nayara Hangaroa Easter Island, Constance Lémuria Seychelles, Constance Prince Maurice Mauritius, or the Nayara Bocas del Toro Panama, with overwater villas and complementary kosher meals from Chabad!

Hilton and Marriott Gold elite status

The Platinum card offers Hilton Gold and Marriott Gold elite status.

• You can enroll online here for Hilton Gold status.
• You can enroll online here for Marriott Gold status.

You can also enroll additional Platinum cardholders for Gold elite status, but that needs to be done over the phone.

Hilton Gold status gets you upgrades, bonus points, 5th night free on awards, late checkout, breakfast, and bottled water. Free breakfast doesn’t usually do much for me as a kosher traveler, but at the Waldorf Astoria Jerusalem the fantastic daily kosher breakfast is free for Hilton Gold members. There is a mind-boggling quantity of awesome kosher food there, from dozens of daily hot dishes to hard cheeses, fresh fruits and pastries to fresh squeezed juices and espresso drinks, as well as on-demand dishes like french toast, pancakes, waffles, and eggs.

Marriott Gold status gets you late checkout, more points per dollar spent at Marriott hotels, room upgrades, enhanced in-room WiFi, and a points amenity on stays, even when redeeming points.

Sixt Platinum elite status 

Leaders Club Sterling status provides Sixt Platinum status. That includes free additional drivers, upgrades, bonus points, discounts, and more!

Car Rental Perks

• Get a 4 hour late return fee-free grace period on paid and award rentals, exclusively discounted pricing, and President’s Circle status at Hertz
• Get National Executive status with guaranteed upgrades, executive aisle access, and faster free award rentals.

Centurion lounge access

Cardholders can access Centurion lounges for free.

Additional Platinum cardholders that have an annual fee can also access the lounges for free. Adult guests cost $50 and children 2-17 cost $30. If you spend $75K/year on your Platinum card you can bring 2 free guests on your visits for the remainder of the calendar year, for the following calendar year, and through 1/31 of the 3rd calendar year. Guests must be traveling on the same flight as the cardholder. You can enter the lounge within 3 hours of a departing flight or within 5 hours of a connecting flight.

Centurion lounges offer showers, complimentary food, drinks, cocktails, etc.

Currently, there are domestic Centurion Lounges in:

• Atlanta (Concourse E)
• Charlotte (Intersection of Concourse D & E, mezzanine level)
• Dallas/DFW (Terminal D, near American)
• Denver (Concourse C)
• Houston/IAH (Terminal D, near United)
• Las Vegas (Concourse D, near United)
• Los Angeles (TBIT)
• Miami (Concourse D, near American)
• NYC/JFK (Terminal 4, now with kosher Fresko meals)
• NYC/LGA (Terminal B, now with kosher Fresko meals)
• Philadelphia (Terminal A West, near American)
• Phoenix (Terminal 4)
• Salt Lake City (Concourse B)
• San Francisco (Terminal 3, near United)
• Seattle (Concourse B)
• Washington/DCA (Terminal 2)

International AMEX lounge locations include:

• Buenos Aires/EZE
• Delhi
• Hong Kong (Terminal 1)
• London
• Melbourne
• Mexico City (4 locations)
• Mumbai
• Monterrey, Mexico (2 locations)
• Sao Paulo/GRU
• Shanghai
• Stockholm
• Sydney
• Tokyo/HND
• Toluca, Mexico

Sidecar by The Centurion Lounge locations:

• Las Vegas

Centurion lounges opening in the future include Boston, London T5, Newark and a Sidecar by The Centurion Lounge in Charlotte. Expanding lounges include Dallas/DFW, Houston/IAH, and Philadelphia.

Sidecar by Centurion Lounge

AMEX has launched a new “speakeasy” style lounge in Las Vegas and will open another in Charlotte. These lounges will be located in airports with larger Centurion lounges.

They will only be accessible within 90 minutes of a departing flight and will feature elevated small plates and beverages.

Priority Pass membership

You can enroll here for a Priority Pass membership.

Primary and additional Platinum cardholders can bring in 2 free guests each.

See the Priority Pass site for their complete list of lounges.

Delta SkyClub

You can access Delta lounges for free with a Platinum card when flying on Delta, up to 10 times per year, from 2/1 through 1/31.  You don’t get any free guests, but additional Platinum cardholders can access Delta lounges for free, up to 10 times per year as well.

If you spend $75K in a calendar year, you’ll unlock unlimited visits through 1/31, two calendar years later.

Select Delta SkyClubs, such as JFK, LGA, and more, have complimentary hot kosher meals upon request. Others have kosher snacks upon request as well.

Escape and Plaza Premium lounges

You can search for lounges here.

Currently, there are US Escape lounges in Bentonville, Cincinnati, Columbus, Fort Lauderdale, Greenville, Hartford, Kansas City, Minneapolis, Oakland, Ontario, Phoenix, Portland/PDX, Providence, Reno, Sacramento, San Juan, Syracuse, Tulsa, and West Palm Beach, and there is an Airspace lounge in San Diego. Primary and additional Platinum cardholders can bring in 2 free guests each.

The Fort Lauderdale lounge carries kosher food.

There are over 100 Plaza Premium lounges worldwide. Primary and additional Platinum cardholders can bring in 2 free guests each.

Global Entry/Pre-Check Fee Refund For You And Your Additional Cardholders

It costs $85 to apply for a 5 year TSA Pre-Check membership which makes flying pleasant again. Shorter lines, no need to remove your shoes, belt, jacket, or hat. You can keep your laptop and small liquids inside your carry-on. And you go through a good old fashioned metal detector instead of assuming the position in the body scanner.  If you charge it on your Platinum card the fee will be refunded.

It costs $120 to apply for a 5 year Global Entry membership which lets you bypass the customs line. If you have Global Entry you also get TSA Pre-Check for free. If you charge it on your Platinum card the fee will be refunded. Kids can now apply for Global Entry for free with parents who are part of the program.

You can read more more about the differences in this post.

You can add additional cardholders to your account for free and they will each qualify for a Pre-Check or Global Entry fee refund as well!

My whole family has Global Entry and it sure makes traveling a whole lot easier!

International Airlines Program and AMEX Insider Fares

Platinum cardmembers get access to discounts on first class, business, and premium economy tickets with dozens of participating airlines. You can use cash or points for these discounted flights, just search for travel on AMEXTravel.com.

Creating a killer combo with Blue Business Plus

If you have The Blue Business® Plus Credit Card from American Express you’ll earn 2 points per dollar everywhere on up to $50K in annual spending.

If you also have a Business Platinum card that means you’ll earn a minimum of 3.08% back towards travel everywhere thanks to the points rebate!

Points Rebate

The Business Platinum card allows you to choose whether to redeem points for paid travel or to transfer points into airline miles when tickets are expensive.

Business Platinum cardholders get a 35% points rebate for award redemptions on paid tickets on the airline that you chose for your $200 fee credit in coach. You can choose from Alaska, American, Delta, JetBlue, Southwest, Spirit, or United. You can chat with AMEX online to change your airline selection. Officially, that selection can only be made once per year, though I have had success making multiple changes via AMEX Chat.

You can book these tickets on AMEXTravel.com.

You will effectively get a value of 1.54 cents value per point, or higher when AMEX Insider Fares are available.

In other words if you want to book a $250 flight you’ll use 25,000 points, but AMEX will give you a 35% rebate, so you’ll get back 8,750 points in coach on the airline of your choice or in business/first class on all airlines, making the net cost just 16,250 points and earning you a value of 1.54 cents per point. When you use points for paid tickets you don’t pay any taxes and you still earn miles for the flight!

Plus, the rebate is stackable with discounted AMEX Insider fares that can be excellent deals. For example, a $350 flight can be discounted to just 25K points, meaning you’ll still pay just 16,250 points, a value of 2.15 cents per point!

You can get up to 1,000,000 rebated points per year.

You can book other airlines via codeshare with the airline of your choice. For example, you can book El Al flights via a Delta codeshare if you are registered for Delta.

AMEX Offers and other benefits

• Earn statement credits at stores that you register for in your AMEX account with AMEX Offers.
• Book through Fine Hotels & Resorts and get early check-in, a room upgrade, daily breakfast, Wi-Fi, guaranteed 4pm late checkout, and an additional unique amenity valued at $100.
• Business Platinum Concierge.
• Preferred Seating Program at select cultural and sporting events.

Premium AMEX Protections And Lost Item Protection

• Cell Phone Protection.
• Trip delay insurance
• Trip cancellation and interruption insurance
• Baggage Insurance
• Purchase protection for lost, stolen, or broken items.
• Return protection.
• Extended warranty
• If you need to dispute a charge there’s nobody who makes it easier or as pain-free as American Express does. It’s the easiest dispute resolution process in the industry by leaps and bounds and you can do it all online.
• See this post to see just how amazing AMEX benefits can be.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.

Very few credit cards cover lost items, this card covers lost items up to $10,000 for up to 90 days from purchase!

My favorite AMEX benefit is return protection. If you need to return an item up to $300 and a store won’t take it back due to a time limit or final sale return policy, AMEX will gladly refund you in full thanks to return protection. 

Nearly all of the time you’ll even be able to keep the item you want to return! This benefit is valid for $1,000 of returns per card per calendar year.

Additional user cards are available at no cost and also get their own $1,000 per year return protection allowance!

Additionally, if a store charges a restocking fee to return an item then AMEX will cover that cost, up to $300/item, as part of their return protection coverage.

• With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.

AMEX transfer partners include:

• ANA (Star Alliance) 1:1 transfer.
• Aer Lingus (OneWorld) 1:1 instant transfer.
• AeroMexico (Skyteam) 1:1.6 transfer.
• Air Canada Aeroplan (Star Alliance) 1:1 instant transfer.
• Air France/KLM Flying Blue (Skyteam) 1:1 instant transfer.
• Avianca Lifemiles (Star Alliance) 1:1 instant transfer.
• British Airways (OneWorld) 1:1 instant transfer
• Cathay Pacific Asia Miles (OneWorld) 1:0.8 instant transfer.
• Delta (Skyteam) 1:1 instant transfer.
• Emirates 1:0.8 instant transfer
• Finnair (OneWorld) 1:1 instant transfer via BA
• Iberia (OneWorld) 1:1 instant transfer
• JetBlue 1:0.8 instant transfer
• Qantas (OneWorld) 1:1 instant transfer
• Qatar (OneWorld) 1:1 instant transfer via BA
• Singapore (Star Alliance) 1:1 instant transfer.
• Virgin Atlantic 1:1 instant transfer
• Choice Hotels 1:1 instant transfer
• Hilton 1:2 instant transfer
• Leaders Club 4:1 instant transfer
• Marriott 1:1 instant transfer

Sample mileage uses:

• Leaders Club has excellent luxury hotel redemptions, where your points will be worth 2 cents each or more at hotels like the King David Jerusalem, Setai Tel Aviv, Setai Miami Beach, and many more!
• Flying Blue has award flights to Israel for 30K miles for adults or 22.5K miles for kids or domestic awards on Delta from just 4K miles each way!
• 7.5K Virgin Atlantic miles is enough for a Delta short-haul flight. Fly to London from just 6K points in coach or 29K points in business class. Use points to fly on El Al, or book bargains on ANA (From 52.5K points in business or 72.5K in first class), and Air New Zealand (62.5K points business class US-New Zealand).
• Air Canada’s Star Alliance partner awards start at just 6K miles, making for excellent bargains!
• Avianca Lifemiles awards start at just 6.5K miles. Or save up for the 194K miles you’ll need for a round-trip first class flight in First Class from the US to Tel Aviv on Lufthansa with access to their amazing first class terminal during your connection with a Porsche transfer to your plane.
• Qatar Avios can book short-haul JetBlue flights for 8.5K Avios, short-haul AA flights for 9.5K Avios, transatlantic JetBlue for 25K Avios, and transatlantic JetBlue Mint business class for 78K Avios.
• With 90K Cathay Pacific Asia Miles you can book a round-trip business class award between North America and Europe. Plus, save big on BA fuel surcharges.
• With Qantas you can fly one-way on El Al between NYC and Tel Aviv for 43.5K points in coach, 85K points in premium economy, or 108K points in business class.
• With 102K Emirates miles you can fly in A380 Shower Class from JFK to Milan.
• With 163.5K Emirates miles you can fly in A380 Shower Class from JFK to Dubai.
• With Singapore miles you can book highly rated premium cabin award bargains or suites on Singapore flights that are blocked with partner miles.

ANA First Class:

Singapore suites:

Refreshed AMEX App and new AMEX Travel app

The new AMEX app includes the ability to tap to activate your card, track your bonuses, and much more:

Stay on top of your benefits and credits:

You can read more about the new AMEX Travel app here.

Business vs Consumer card

AMEX business cards don’t appear on your credit report. That’s good for several reasons.

First of all they won’t count against your 5/24 count for opening new Chase cards. Only cards on your report that have been opened within the past 24 months count for that.

Second, when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an AMEX business card it’s just not reported, so you can wait until the money is due without it having a negative effect on your score.

Third, if you close a business card it won’t ever have an effect on your score.

You may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.

Dan’s Quick Thoughts

This card now includes valuable ChatGPT credits and ZO Clubhouse and Studio access.

Businesses and big spenders will also love earning 2 points per dollar on large purchases and on the business spending category purchases.

Big spenders will also be able to take advantage of the earned value credit, which will more than cover this card’s annual fee!

With $250K in purchases that earn 2 points per dollar, you’ll earn 500,000 points. Plus, that will unlock the earned value credit for a $1,200 airfare credit and $2,400 accounts payable credit. It will also unlock Centurion Lounge guesting and unlimited Delta lounge access.

Even if the business just pays its taxes like that with a 1.85% fee, it will still come out way ahead.

The $600 hotel credit is also a nice addition to this card.

Leaders Club Sterling Status and Sixt Platinum status should provide some value as well.

And I love the new mirrored finish card.

But while the consumer Platinum refresh is a great value overall for just about everyone, the case here will depend on your spending categories and how much you spend on your card, or how much you value getting a 35% points rebate on the airline of your choice.

With Chase removing the ability to get outsized redemption value for airfare except for on Points Boost redemptions, the 35% point rebate remains a valuable benefit, even if it’s now limited to the airline of your choice.

What are your favorite AMEX Platinum perks? 

For rates and fees of the AMEX Business Platinum Card, please visit here.

Will you apply for this offer?