The Enterprise Platinum Card® from American Categorical Evaluate

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been superb and elevated each my journey and my enterprise. Others have been…effectively, lackluster.

Top-of-the-line? The Enterprise Platinum Card® from American Categorical. It comes with quite a lot of world-class perks and advantages, high quality buyer care, and a strong rewards construction (particularly on massive purchases).

Whereas the annual payment is fairly excessive ($695, pay over time accessible. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard price carrying. I feel it’s an amazing alternative for enterprise house owners who journey ceaselessly.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Categorical?

The Enterprise Platinum Card® from American Categorical is a journey rewards card geared in direction of enterprise house owners. (Bear in mind: even facet hustles and freelancing depend as companies so you will get this card even with out being an LLC.) First, let’s go over a number of the finest belongings you get if you join, which make it a no brainer to get for the primary yr:

• Restricted Time Provide: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked instantly with airways or by means of American Categorical Journey along with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You may earn one or each of those provides. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go motels, and short-term leases and pay as you go flight + resort packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US building materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and delivery suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar yr. Purchases eligible for a number of extra level bonuses will solely obtain the very best eligible bonus.
• Complimentary entry to the American Categorical International Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 nations. Entry is restricted to eligible Card Members.
• As much as $120 in assertion credit for International Entry or TSA Pre-check each 4 years.
• As much as $199 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar yr for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar yr if you make an eligible buy at Hilton properties. (Distributed in as much as $50 increments per quarter. Hilton for Enterprise program membership is required.)
• $150 credit score with Adobe on eligible annual pay as you go marketing strategy purchases of Adobe Artistic Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card by means of 6/30/25.
• As much as $120 per calendar yr in assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 again per thirty days).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No overseas transaction charges

Utilizing Your Membership Rewards Factors

You’ll earn Membership Rewards factors with The Enterprise Platinum Card® from American Categorical. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are a number of the most dear factors on the market.

These are Amex’s present journey companions:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Membership (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Membership (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Selection Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Visitor (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Membership (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Membership (1:1 ratio)

Most transfers are prompt, although some can take as much as 48 hours.

You may as well use your Membership Rewards factors to guide flights and motels within the Amex Journey portal. I usually wouldn’t do that although because it’s not the very best use of your factors. It’s at all times higher to switch them out to one in all their companions. Nevertheless, you will get 35% factors again if you do guide through their portal so simply evaluate the factors prices between each earlier than making a call.

Breaking Down the Enterprise Platinum’s Credit and Advantages

Amex playing cards are well-known for his or her plethora of perks and advantages. They’re an enormous purpose I really like their playing cards. And, for those who can benefit from all that it has to supply, the Enterprise Platinum boasts over $1,700 price of worth. However, with so many classes and a lot high-quality print, it may be onerous to maintain observe of whether or not a profit is definitely helpful to your spending habits. So, that will help you resolve if the cardboard is best for you, I need to break down a number of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International Entry/TSA PreCheck)
Top-of-the-line issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into a number of the prime lounges worldwide, together with the superb Centurion Lounges and Delta Sky Golf equipment (if you’re flying Delta, with as much as 10 visits per yr).

On prime of that, you’ll get complimentary entry to the massive Precedence Cross community. If having a quiet area to chill out, seize a drink, or get some work achieved is a precedence if you journey, this card has you lined just about anyplace.

I additionally recognize that the Enterprise Platinum helps you get by means of the airport sooner. It provides as much as $199 in assertion credit annually for a CLEAR® Plus membership, which speeds you thru safety strains.

You’ll additionally get a credit score for International Entry (as much as $120 each 4 years) or TSA PreCheck (as much as $85 each 4.5 years), relying on which one you select. I personally advocate going for International Entry. It takes slightly extra effort (there’s an interview), however it contains TSA PreCheck too. It’ll prevent a ton of time for those who journey internationally.

Airline and Lodge Credit
One other travel-related profit is the as much as $200 airline credit score. Sadly, it comes with a good variety of restrictions, making this credit score a bit extra annoying to make use of. It may possibly solely be used on one (pre-selected) airline, and you’ll solely use it for incidentals, not airfare. However for those who don’t have an airline bank card that provides free baggage, it may be helpful to have. You may as well use the credit score for airline bills like paid seat choice or on-board food and drinks.

The Enterprise Platinum additionally provides a couple of Hilton-related advantages. First, you’ll be able to obtain as much as $200 in assertion credit at Hilton properties when booked instantly. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property at the least 4 instances a yr to get the complete worth of this credit score. However for those who’re on the highway rather a lot, that may be straightforward to do.

Second, the Enterprise Platinum provides complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which supply further perks and advantages when staying at these properties.

Enterprise-Associated Assertion Credit
The Enterprise Platinum card comes with some nice perks to assist lighten the monetary load of working a enterprise. Bills can actually add up for those who’re managing a enterprise whereas touring, so I recognize that the Enterprise Platinum helps offset these prices.

You may rise up to $400 in assertion credit on U.S. Dell purchases (by means of June 30, 2025, break up into $200 chunks each six months). There’s additionally as much as $360 again per yr on Certainly adverts (as much as $90 every quarter), which is nice for those who’re hiring as your corporation grows.

If you happen to use Adobe instruments, there’s a $150 credit score accessible if you prepay yearly for eligible Adobe Artistic Cloud or Acrobat Professional plans for groups. And to maintain you linked on the go, you’ll rise up to $120 a yr for purchases made instantly with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Affords
On prime of all these useful assertion credit, the Enterprise Platinum offers you entry to Amex Affords, a simple means to avoid wasting money or rack up further factors with a variety of outlets. These offers rotate repeatedly and are customized, so what reveals up for you is perhaps completely completely different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I at all times test Amex Affords earlier than I buy. (The non-public card provides this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless advocate shopping for a standalone coverage for medical, this card contains sturdy built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally contains cellphone safety for harm or theft, a uncommon however useful perk. For a most of $800 per declare, with a restrict of two accredited claims per 12-month interval, when your cellphone line is listed on a wi-fi invoice and the prior month’s wi-fi invoice was paid by an Eligible Card Account. A $50 deductible will apply to every accredited declare.

So, whilst you might get away with the cardboard’s insurance coverage for those who guide the journey on the cardboard, I wouldn’t depend on it fully. Nevertheless it’s higher than most!

Do you have to get this card?

The Enterprise Platinum is good for frequent vacationers who can take advantage of perks like smoother airport experiences and resort elite standing. If you happen to can benefit from a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual payment price it. I get quite a lot of worth from the cardboard by means of the assertion credit that make carrying the cardboard after the primary yr actually price it.

Whereas it’s true you solely get 1x level per greenback spent on something beneath $5,000 (which isn’t nearly as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex provides, and companions you don’t discover anyplace else make this card important for any enterprise proprietor.

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