Amex Enterprise Platinum Card evaluation: Full particulars

The Enterprise Platinum Card from American Specific overview

The Enterprise Platinum Card® from American Specific is likely one of the greatest enterprise rewards playing cards round, because of its massive welcome bonus and the sheer variety of value-added perks. Whereas it requires some work to take full benefit of them, the trouble can repay, with financial savings of a whole lot and even hundreds of {dollars} per yr. Card ranking*: ⭐⭐⭐⭐

* Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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With premium playing cards on the forefront of the bank card market, many individuals are comfy 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 eager about 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 knowledge 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 yr (see charges and costs). Present cardmembers will see it take impact Dec. 2, 2025.

Whereas the upper annual charge may very well be powerful to abdomen, the cardboard’s annual assertion credit and advantages go above and past and may help to offset that yearly value.

That mentioned, this card actually will not be appropriate for each small enterprise — particularly ones that do not journey steadily or ones with main spending areas not coated by this card’s bonus classes.

We advocate candidates have an excellent to wonderful credit score rating to extend their possibilities of getting permitted.

Let’s dive into the cardboard particulars so you’ll be able to determine if it is a good match for what you are promoting.

Associated: The best way to get a enterprise bank card

Amex Enterprise Platinum execs and cons

**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, in case you can handle this provide’s excessive spending requirement, you will obtain $4,000 in worth.

That is the best public welcome provide we have seen on this card, making now a good time to use in case you’ve been contemplating this card.

It is essential to notice that Amex has software restriction guidelines, together with a once-in-a-lifetime rule. If in case you have or have held this card up to now, you might not be eligible to obtain a welcome provide.

Whereas $20,000 in three months may not be laborious for companies with a whole lot of money stream, in case your enterprise is smaller, you could possibly think about prepaying as many bills as you’ll be able to 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 protecting some residence enchancment bills for members of the family that I used to be later reimbursed for.

Alternatively, if any such 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 likely to be 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 may help cardmembers doubtlessly offset the preliminary shock of that top annual charge.

Here is an in depth have a look at all of them (enrollment is required for choose advantages).

Assertion credit

Lounge entry

Together with the plethora of assertion credit you could (or might not) be capable to use, the Amex Enterprise Platinum shines via with its different journey perks.

Apart from 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 enter when you have got an eligible same-day flight on that airline, Precedence Move places (enrollment is required; restaurant places are excluded), Escape lounges and Lufthansa lounges when you have got a same-day flight on Lufthansa.

Nevertheless, it is value noting that you just’re restricted to 10 whole Delta Sky Membership visits per yr — until you spend $75,000 in a calendar yr to unlock limitless entry.

Resort and automobile rental standing

As for advantages that turn out to be useful when you attain your vacation spot, this card means that you can register for complimentary Gold standing with Hilton Honors and Marriott Bonvoy, which offer larger earnings and elevated advantages throughout stays with these two manufacturers.

It’s also possible to now enroll for Leaders Membership Sterling standing from The Main Inns of the World. LHW is a set of impartial motels throughout the globe. With standing, you will obtain advantages like upgrades and the flexibility to earn factors.

Cardmembers additionally take pleasure in complimentary elite automobile 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.

Purchasing protections

As you may think, the Amex Enterprise Platinum Card can also 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 yr, saving enterprise homeowners money and time if one thing occurs to an merchandise they purchase.

Moreover, the cardboard’s buy safety‡ covers unintentional 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 yr), so it is an amazing selection for costly gadgets.

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 aspect apart from the brand new $600 resort credit score (as much as $300 again in assertion credit semiannually on pay as you go Positive Inns + Resorts or The Resort Assortment bookings via American Specific Journey®), which matches the one discovered on The Platinum Card® from American Specific. The Resort Assortment requires a minimal two-night keep.

The American Specific Journey flight credit score and the Amex One AP credit score are good in case you can organically attain the spending requirement, however they should not be a needle mover for many.

I battle to make use of many of the credit on this card and would have most well-liked some extra basic credit. The brand new Leaders Membership Sterling standing is a welcome addition, however I doubt I’ll achieve any actual worth from it since I not often keep at impartial motels. These new additions, to me, do not justify the $200 annual charge improve.

‡Eligibility and profit degree 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 degree 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 yr (then 1 level per greenback thereafter) within the following classes: eligible purchases of $5,000 or extra, U.S. cloud service suppliers, U.S. building 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 disenchanted this refresh did not broaden incomes charges on the flights and motels class. Solely incomes 5 factors per greenback spent on flights and motels booked via Amex Journey is a bit too restrictive for my liking.

I would favor the choice to decide on how I e-book, particularly when playing cards just like the Chase Sapphire Reserve for Enterprise℠ (see charges and costs) provide elevated earnings on motels and flights booked instantly.

The incomes charges make it powerful to justify conserving this card yr after yr, even with all of the assertion credit, as I primarily simply use it as a coupon e-book 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.

It’s also possible to redeem your factors for service provider present playing cards or to cowl costs 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 fashion.

The simplest redemption choice that also gives first rate worth is Amex Journey’s Pay with Factors function. Like I discussed earlier than, having this card means that you can 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 yr, and you should have the complete 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 may help improve the worth of your factors considerably above our valuations.

You may additionally wish to look ahead to Amex’s common switch bonuses, which might additional improve the worth of your factors.

I steadily obtain outsize worth by transferring factors to Air Canada Aeroplan to e-book lie-flat seats on Star Alliance companions, resembling United Polaris business-class flights to Europe. I additionally wish to switch factors to Air France-KLM Flying Blue to make the most of 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 what you are promoting may not be capable to get the complete worth out of the Enterprise Platinum, you may wish to think about different choices:

• In order for you a decrease annual charge and better incomes charges: The American Specific® Enterprise Gold Card gives related redemption choices to the Enterprise Platinum however for a decrease annual charge of $375 (see charges and costs). It is a sensible choice in case you 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 may nonetheless earn beneficial Membership Rewards factors, obtain vital worth in annual assertion credit and achieve 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 sensible choice in case you just like the sound of a versatile $300 annual journey credit score and spend so much on promoting, in addition to flights and motels booked instantly. To be taught extra, please learn our full evaluation of the Sapphire Reserve for Enterprise.

For extra choices, try our full listing of the most effective 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 continues to be a superb selection for enterprise vacationers who spend so much in its bonus classes and with the retailers coated by its assertion credit.

Whereas it may not be value it for all enterprise homeowners, its journey perks are laborious to beat for the correct cardmember.

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Apply right here: The Enterprise Platinum Card from American Specific

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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.