The Enterprise Platinum Card® from American Categorical at present 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 motive to think about making use of.
However earlier than you begin filling out your software, you would possibly surprise if you happen to’re even eligible to make the most 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 improbable welcome supply with out even realizing it.
Listed below are among the methods to find out if you happen to’re eligible to use for the Amex Enterprise Platinum card and whether or not it is sensible 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 price
The Amex Enterprise Platinum card comes with a $895 annual price (see charges and charges). Whereas this price is giant, it is potential to offset this value by maximizing the assertion credit and advantages that include the cardboard.
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Incomes
The Amex Enterprise Platinum earns factors on the following charges:
- 5 factors per greenback spent on flights and pay as you go motels 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. transport 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 consists of 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 resort assertion credit score per calendar yr (as much as $300 in semi-annual credit), on pay as you go Amex Nice Lodges + Resorts or The Resort Assortment bookings by way 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 price credit: As much as $200 annually in assertion credit per calendar yr for prices 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 embrace a 35% airline bonus whenever you use Pay with Factors for airfare booked by way of Amex Journey (as much as 1,000,000 factors again every calendar yr) on the airline that you choose in your annual as much as $200 airline price 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 Lodges of the World.*
Plus, eligible cardmembers obtain entry to Centurion Lounges, Delta Sky Golf equipment (when flying Delta)**, Precedence Go™ lounges* (for you and two visitors) and Airspace lounges.
Due to 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, if you happen to’re a first-time applicant.
Even if you happen to’re a freelancer, impartial contractor or have a aspect hustle, you possibly can nonetheless get accredited for the Enterprise Platinum. You needn’t make seven figures (and even 5 figures) out of your small enterprise annually to have a small-business card.
Let us take a look at the phrases and circumstances of the cardboard itself, after which we’ll delve into among 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 relating to incomes its welcome supply — particularly for present or former cardmembers.
Based on the applying phrases:
You will not be eligible to obtain a welcome supply if in case you have or have had this Card or earlier variations of this Card. You additionally will not be eligible to obtain a welcome supply based mostly on numerous components, corresponding to 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 got opened and closed and different components. In case you are not eligible for a welcome supply, we are going to notify you previous to processing your software so you may have the choice to withdraw your software.
In different phrases, you could be disqualified not just for having had the cardboard earlier than, but additionally if you happen to’ve opened and shut a number of Amex playing cards or carried out numerous steadiness transfers.
Unsure if you happen to’ve had the cardboard previously? Amex has a useful software in the course of the software course of that may let you recognize if you happen to’re eligible for the welcome supply earlier than your software is processed.
That mentioned, welcome supply eligibility with Amex is not at all times so reduce and dry — it is based mostly on a spread of inner components, so your mileage could differ.
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 just a little 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 conventional card with a set restrict. The quantity you possibly can spend adapts based mostly on components corresponding to your buy, fee 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 if you happen to’ve lately utilized for one more Amex card, you could 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 will not be keen to increase any additional debt to you.
Talking of issuer software restrictions, if you happen to’re eyeing a Chase card just like the Chase Sapphire Most well-liked® Card (see charges and charges), you could be fearful about Chase’s 5/24 rule.
However there’s excellent news: Amex enterprise playing cards do not depend towards that restrict. So you possibly can apply for the Amex Enterprise Platinum with out affecting your probabilities of getting a Chase card down the road.
Associated: The last word information to bank card software restrictions
Does it matter if you have already got a private Amex Platinum card?
In no way. The private and enterprise variations of the Amex Platinum are thought-about separate merchandise, so already holding the private 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 mentioned, the Enterprise Platinum is a premium product, so approval is not assured for simply any aspect gig. Chances are you’ll want to supply proof of enterprise revenue or supporting particulars like a “doing enterprise as” (DBA) title, relying in your software.
Are you able to get the cardboard twice?
In some instances, sure — particularly if you happen to function a number of companies. There are stories of cardmembers being focused with provides 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 if you happen to run multiple enterprise — or work for a number of corporations —you may be prequalified for an extra Enterprise Platinum.
These cases are comparatively uncommon, although. In case you do obtain one, it is a good suggestion to contact Amex immediately to verify 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 hand over simply but — calling the Amex reconsideration line may give you a second shot at approval. By calling them, you possibly can ask if there have been particular points along with your software which you can deal with over the telephone or by offering additional data.
Through the name, you possibly can ask if there have been particular considerations along with your software and supply to supply further data. Be ready to clarify why you are within the card — past simply the welcome supply — corresponding to particular options or advantages that align with what you are promoting wants.
You may additionally want to provide particulars about what you are promoting, together with revenue verification and enterprise deal with.
In case you’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. Think about it a platinum lining.
Backside line
The Amex Enterprise Platinum stays one of many high small-business rewards playing cards in the marketplace — particularly with its present elevated welcome supply. In case you’re fascinated about making use of, take a second to learn the eligibility necessities to present your self the most effective probability of approval.
Apply right here: The Enterprise Platinum Card from American Categorical
For charges and charges of the Amex Enterprise Platinum, click on right here.
