$2,000 to $4,000 Amex Card Intro Offer

The Business Platinum Card® from American Express has the grandaddy of all intro rewards credit card offers. Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.

Assessing the average value of American Express Membership Rewards® is tricky because there are many ways to redeem them. American Express values each point between 0.6 cents to a penny. Bankrate and The Points Guy value each point at up to two cents, assuming cardholders employ the best redemption strategies. This article assumes each point is worth between one and two cents. So, we estimate that 200,000 points are worth between $2,000 and $4,000.

The intro offer requirement of $20,000 spent in the first three months is steep. Before you apply, make sure your business can easily spend this amount on purchases that can be made on a credit card.

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Business Platinum Card Overview

The Business Platinum Card® from American Express

At $895, the card's annual fee has climbed to a level that may seem out of reach for the typical business card user. But the card packs a laundry list of perks to overcome the fee. Points are worth far more when redeemed for travel, not cash back, so this card is intended for the serious traveler.

With this card, businesses can earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.

The card boasts a strong elevated welcome offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.

Plus, unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds.

Terms Apply. See rates and fees.

The Fine Print

• Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
• Rewards rates:
  • Earn 5X points on flights and prepaid hotels booked on AmexTravel.com. 1X points on other eligible purchases.
  • Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 1X points on other eligible purchases
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
• New! Get up to $300 in statement credits semi-annually for up to a total of $600 per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• Lounge access. The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• Annual fee: $895.
• Interest rates: Variable APRs are 17.99% to 28.74%, based on your creditworthiness as determined at the time of account opening. See Rates & Fees
• Terms Apply.
• If you want a cheaper card, try the American Express® Business Gold Card, with an annual fee of $395. See Gold Card rates and fees.

Platinum Card FAQs

How may I redeem points?
You can redeem points on travel, trips, gift cards, or shop via the amextravel.com platform. But to get the best value, you should stick to travel or transit purchases and track the best redemption rates by category. If you redeem points at Amazon or other online retailers, for example, you will only get 0.7 cents per point, but buying a trip from a New York taxicab will get you the full one cent per point.

You may also transfer points to partner airlines or hotel chain rewards programs, typically for about one cent per point. The transfer partner airlines skew toward international carriers like AirFrance, but three domestic carriers participate, including Delta, JetBlue and Hawaiian Airlines.

What is the value of a point?
Assessing the average value of American Express Membership Rewards® is tricky because there are many ways to redeem them. American Express values each point between 0.6 cents to a penny. Bankrate and The Points Guy value each point at up to two cents, assuming cardholders employ the best redemption strategies. This article assumes each point is worth between one and two cents. So, we estimate that 200,000 points are worth between $2,000 and $4,000. The final value of the points will depend on how dedicated you are to getting the most value from your rewards credit cards.

What are the travel benefits?
This card offers excellent travel benefits. For example, a WalletHub study found that American Express cards provided some of the best rental car insurance benefits. In addition to standard coverage, American Express offers Premium Car Rental Protection for a small fee per rental period, not per day. Unlike many other plans, this benefit also extends to SUVs and luxury cars.*

Are American Express cards good?
Amex cardholders are generally happy with their cards. The personal Platinum Card from American Express was named outstanding for customer service in the 2024 Kiplinger Readers' Choice Awards. Last year, J.D. Power ranked American Express as the top credit card issuer.

How can I get discounts on a new car with my card?
If you are in the market for a new car, Amex cardholders can receive deep discounts on Mercedes-Benz cars — up to $12,000 off MSRP. Under this promotion, Platinum cardholders may also charge up to $2,000 when buying a new car, racking up more points.

Other Business Cards

If the Business Platinum Card's $895 annual fee is too dear for your wallet, consider alternatives like the American Express® Business Gold Card or the Capital One Spark Miles for Business card.

American Express Business Gold Card

American Express® Business Gold Card

Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* That's a value between $1,000 and $2,000.

Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from six eligible categories. While your top two categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*

Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*

The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.

*Terms Apply. See rates and fees

Capital One Spark Miles for Business

Capital One Spark Miles for Business

If you travel regularly for your business, this card can help you accumulate plenty of miles to put toward trips – and it comes with extra travel perks.

The card also offers a sign-on bonus of 50,000 miles (worth $500) if you spend $4,500 in the first three months.

Earn five miles per dollar spent on hotel and car rentals booked through Capital One's travel booking site and two miles per dollar on all other spending. And unlike many competing cards, there is no limit to the number of miles you can rack up.

Annual fee: $0 intro annual fee for the first year, then $95 after. The interest rate is 24.99% variable APR. Balance transfers are unavailable with this card.

Other benefits: Receive up to a $120 credit for Global Entry or TSA PreCheck®

What to Consider Before Getting a Business Card

Before you apply for a business credit card, here are some potential things to keep in mind to determine whether it's the right move:

• Your credit score: Most of the top business credit cards require good or excellent credit, which means a FICO credit score of 670 or higher. If your score is lower than that, your options may be limited.
• Potential costs: Business credit cards often charge high interest rates, and some also assess an annual fee. You can avoid interest by paying your balance in full each month, but if you think you'll be carrying a balance, consider how potential interest charges could impact your bottom line. If you're thinking about getting a card with an annual fee, make sure you can get enough value from the rewards program and perks to make up for it.
• Whether you can take on another financial account: Managing multiple financial accounts can be challenging. If you already have multiple personal and business accounts to keep track of, adding another one could make things more complicated. In some cases, it can make sense to stick with what you already have, as long as you have enough accounts to keep personal and business expenses separate.
• Your reasons for wanting one: Business credit cards can help with everyday cash flow, but if you're looking to finance growth in your business beyond the initial stages, you may want to consider a small business loan instead. Also, don't think that using a business credit card will shield you from responsibility if your company goes under — business card issuers typically require a personal guarantee when you apply, so you'll still be personally liable for the debt.
• Security: Make sure you can keep the account secure, particularly from potential business partners and employees.

Related Content

• Best Business Credit Cards
• Credit Cards That Cover Rental Car Insurance
• Best Travel Rewards Credit Cards