When you think about including a card that boasts an annual price near $900, it is sensible that you simply’d need to critically 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) might be doubtlessly justified by its a number of perks and assertion credit.
Nonetheless, the Amex Enterprise Platinum is not your best option for each enterprise proprietor.
This is what you want to learn about whether or not paying the excessive annual price of Amex Enterprise Platinum is value 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 line with TPG’s October 2025 valuations, American Specific Membership Rewards factors are value 2 cents apiece, making this bonus value $4,000.
This heightened welcome provide may make the cardboard value including to your pockets, particularly since TPG’s valuation deems it value 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 should rely upon the way you redeem your factors.
Associated: Learn 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 the American Specific World Lounge Assortment. (Entry is restricted to eligible cardmembers.)
These embody:
You may seek the advice of the World Lounge Assortment’s on-line search perform to search out lounges accessible in your subsequent journey. Entry is restricted to eligible cardmembers.
When visiting these lounges, you’ll be able to take pleasure in advantages like complimentary snacks, meals, drinks (typically together with complimentary alcohol) and complimentary Wi-Fi. Sure lounges could have higher advantages, akin 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 Resorts of the World’s Leaders Membership and Marriott Bonvoy. This profit offers Gold standing for Hilton and Marriott and Sterling standing for Leaders Membership. (Enrollment is required.)
These elite statuses can present a number of advantages akin to late checkout, room upgrades and bonus factors.
When you’re not already loyal to a specific lodge model, robotically receiving three elite statuses might be seen as a serious perk for enterprise homeowners.
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Automobile rental elite standing
Cardmembers can enroll for complimentary elite standing with a number of automotive rental packages.
These packages are Avis Most well-liked, Hertz Gold Plus Rewards and Nationwide Emerald Membership. (Enrollment is required for these advantages.)
Rental automotive elite standing offers advantages like automotive upgrades, a free second driver, and the flexibility to skip the road and go straight to your automotive at first of your rental.
Probably the greatest advantages of automotive rental elite standing in any program is the flexibility to standing match with different rental automotive packages, serving to you acquire standing in quite a few packages concurrently. It is a unbelievable perk that may simply assist offset the annual price in case you incessantly hire automobiles.
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Annual airline assertion credit every calendar yr
Touring can typically include pricey charges that present up within the type of paying for checked luggage or upgrading to a greater seat in your flight. Luckily, Enterprise Platinum cardmembers can offset these charges with as much as $200 in assertion credit for airline incidental charges per calendar yr.
Enterprise Platinum cardmembers can select one of many following airways as their most popular airline: Alaska Airways, American Airways, Delta Air Traces, Hawaiian Airways, JetBlue Airways, Spirit Airways, Southwest Airways or United Airways.
Earlier than utilizing this profit, you will need to select a most popular 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 straightforward to make use of and doubtlessly makes the annual price value it.
Associated: Learn how to use the Amex Platinum $200 airline price credit score
Pay with Factors perk
When utilizing factors to pay for a flight by 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 yr).
Cardmembers can take pleasure in as much as 1 million factors refunded by this profit yearly, so it might be a unbelievable one to maximise and assist offset the $895 annual price.
Associated: Why I like the Amex Enterprise Platinum’s Pay With Factors perk
Nice Resorts + Resorts and The Resort Assortment
Amex Enterprise Platinum cardmembers can e book stays with Nice Resorts + Resorts and The Resort Assortment.
Plus, for these bookings, the cardboard now provides an as much as $600 lodge credit score per calendar yr (as much as $300 again in assertion credit biannually on pay as you go Nice Resorts + Resorts or The Resort Assortment bookings by 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 out there at check-in). Every keep additionally features a distinctive expertise credit score value $100, usually within the type of eating credit or spa credit.
THC stays embody room upgrades (if out there 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 packages definitely helps offset the $895 annual price, so long as you journey usually sufficient to make use of the perks.
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Bonus factors for airfare, inns 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 American Specific Journey.
This incomes charge additionally contains bookings with Nice Resorts + Resorts and The Resort Assortment.
Cardmembers may earn 2 factors per greenback on purchases at U.S. building materials and {hardware} suppliers, digital items retailers, transport 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 yr.
If your small business incessantly spends in these classes or on purchases of a minimum of $5,000, you can rack up priceless Membership Rewards factors.
Associated: Get free breakfast, room upgrades and extra with the Amex Nice Resorts + Resorts program
Quarterly Hilton assertion credit
The Enterprise Platinum additionally includes a quarterly assertion credit score for purchases with Hilton. Cardmembers obtain as much as $200 in assertion credit per calendar yr, cut up into 4 as much as $50 quarterly credit. (Enrollment is required.)
You may 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 therapies.
It is necessary to notice you may must enroll within the Hilton for Enterprise program to be eligible for the assertion credit score. When you’re not a member of Hilton for Enterprise, you may be registered if you enroll within the card’s profit.
Once more, if you’ll stick with Hilton incessantly sufficient to maximise this credit score, it additionally makes the cardboard’s annual price value 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 offered each 4 years for World Entry or each 4 1/2 years for TSA PreCheck.
With this perk, you’ll be able to navigate by airport safety within the U.S. sooner with PreCheck lanes at sure airports. Even higher, World Entry means that you can enter the U.S. by passport management extra shortly with designated lanes.
Annual Clear Plus membership credit score
Whereas Clear is not a authorities safety program, it may well make it easier to pace by safety checkpoints at airports and choose stadiums with biometrics.
Cardmembers can obtain reimbursement in assertion credit of as much as $209 per calendar yr for Clear Plus membership charges. (Enrollment is required for this profit. Pay together with your Enterprise Platinum card to robotically obtain an announcement credit score; it is topic to auto-renewal.)
These credit can present unbelievable worth to frequent vacationers, particularly in case 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
When you pay your month-to-month cellphone invoice with the Enterprise Platinum, you may obtain cellphone safety to cowl your telephone in opposition to loss or harm. 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.
Lined telephones are restricted to cellphone strains listed on a cell phone plan paid with the eligible card throughout the latest billing interval.*
Plus, you may obtain as much as $120 per calendar yr in assertion credit for purchases made immediately from any U.S. wi-fi phone supplier (as much as $10 monthly), 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.
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Different business-related credit
Lastly, relying on their common spending, enterprise homeowners may maximize a number of assertion credit on the Enterprise Platinum.
These embody:
- Dell assertion credit score: As much as $150 per calendar yr in assertion credit on U.S. purchases made immediately at Dell and a further $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar yr
- Certainly credit score: As much as $360 assertion credit score per calendar yr (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)
Plus, after spending $250,000 or extra on eligible purchases (spending in your card this yr counts towards the requirement), you may 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 yr after assembly the requirement).
If your small business is ready to use these credit or spend as much as the high-value Amex Journey flight and One AP credit, this might undoubtedly assist offset the cardboard’s excessive annual price.
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Backside line
With so many assertion credit and perks to maximise on the Enterprise Platinum, there are a lot of ways in which organized enterprise homeowners can recoup their annual price.
An $895 annual price is definitely value contemplating. So long as you discover the worth of the cardboard’s advantages to be increased than that, an software might be so as.
Total, it relies upon whether or not your small business bills and journey preferences make the cardboard’s excessive annual price value it.
To be taught 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.
