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Amex Enterprise Platinum card evaluation: Full particulars

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Editor’s be aware: This can be a recurring publish, commonly up to date with new info and provides.

The Enterprise Platinum Card® from American Specific overview

The Enterprise Platinum Card® from American Specific is without doubt one of the finest enterprise rewards playing cards round, because of its massive welcome bonus and the sheer variety of value-added perks it provides cardmembers. Whereas it requires some work to take full benefit of them, the hassle can repay with financial savings of a whole lot and even 1000’s of {dollars} per 12 months. Card ranking*: ⭐⭐⭐⭐

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

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With premium playing cards turning into the norm as of late, many individuals are getting extra snug paying annual charges of over $400. The Enterprise Platinum Card® from American Specific stands out above even that, although, with a $695 annual charge (see charges and charges) — though its annual assertion credit and advantages go above and past to mitigate that yearly price.

Between its excessive annual charge and a handful of business-focused perks, this card definitely will not be appropriate for each small enterprise — particularly ones that do not log main journey bills or ones with main spending areas extra in step with the bonus classes provided by different enterprise playing cards. Nonetheless, it has some precious perks, making it a powerful selection for a lot of companies.

This card has a advisable credit score rating of 670 and above. Let’s dive into the cardboard particulars so you may resolve if it is a good match for your small business.

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Associated: How you can apply for a enterprise bank card

Amex Enterprise Platinum professionals and cons

Professionals Cons
  • As much as $100 assertion credit score for International Entry or TSA PreCheck (enrollment is required)
  • As much as $400 annual credit score for eligible U.S. Dell purchases (as much as $200 semi-annually; enrollment required)
  • Gold standing at Marriott and Hilton lodges (enrollment required)
  • Entry to the Amex Advantageous Accommodations + Resorts program and Resort Assortment
  • Worldwide Airline Program and Cruise Privileges Program
  • Steep annual charge
  • Enterprise-specific credit
  • Restricted bonus classes

Amex Enterprise Platinum welcome supply

New Amex Enterprise Platinum candidates can earn 120,000 factors after spending $15,000 within the first three months. Based mostly on TPG’s valuations, the Membership Rewards factors this card earns are price 2 cents apiece. So, for those who can handle the $15,000 spending requirement, you will earn factors price about $2,400 towards journey. That is the cardboard’s commonplace welcome supply, however it nonetheless meets our standards for when to use.

Whereas $15,000 in three months won’t be laborious for companies with numerous money circulation, in case your enterprise is smaller, you may contemplate prepaying as many bills as you may afford throughout your first three months to assist earn your welcome supply.


Then again, if such a 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 perhaps a greater match for you in the long term.

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Associated: How you can obtain the Amex Enterprise Platinum’s spending requirement

Amex Enterprise Platinum advantages

Amex’s bevy of assertion credit, simply totaling over $1,500 in annual advantages, may help cardmembers doubtlessly offset the preliminary shock of that top annual charge. Here is a detailed take a look at all of them (enrollment is required for choose advantages):

Assertion credit score  Annual quantity   The way it works
Dell As much as $400 Assertion credit score on U.S. Dell purchases as much as $200 semiannually (enrollment required)
Certainly As much as $360 Assertion credit score on Certainly hiring and recruiting services to publish open positions and discover expertise, as much as $90 per quarter (enrollment required)
Adobe As much as $150 Assertion credit score on choose annual purchases, together with Adobe Artistic Cloud and Acrobat Professional DC (enrollment required)
Wi-fi phone companies As much as $120 Assertion credit for purchases made immediately from any U.S. wi-fi phone supplier, as much as $10 per 30 days (enrollment required)
Clear Plus As much as $189 Assertion credit score towards an annual Clear membership for expedited airport safety (topic to auto-renewal)
Airline charge As much as $200 Annual airline charge credit score of as much as $200 on fees by the airline you choose per calendar 12 months
International Entry or TSA PreCheck As much as $100 Assertion credit score for International Entry ( as much as $100) or TSA PreCheck (as much as $85) each 4 years (4.5 years for PreCheck)

It is very important be aware that the Amex Enterprise Platinum will lose the Adobe, Dell and Certainly assertion credit on the finish of this 12 months.

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

Apart from entry to Amex’s Centurion Lounges, your card will open the door to the in depth American Specific International Lounge Assortment, which was topped the perfect bank card perk on the 2021 and 2022 TPG Awards. It’s comprised of greater than 1,400 lounges worldwide, together with Delta Sky Golf equipment you can enter when you’ve an eligible same-day flight on that airline, Precedence Move lounge entry (excluding restaurant places), Escape Lounges and Lufthansa Lounges when you’ve a same-day flight on that airline.

Nevertheless, it is price noting that you will be restricted to 10 whole Sky Membership visits per 12 months beginning Feb. 1, 2025 — until you spend $75,000 in a calendar 12 months to unlock limitless entry.

Enrollment is required for choose advantages.


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

Cardmembers additionally get pleasure from 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 is required for these advantages.

The Amex Enterprise Platinum Card can also be nice for enterprise purchases, as you may think. It options prolonged guarantee safety* that prolongs eligible U.S. producer warranties of 5 years or much less by a further 12 months, 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 lined buy and $50,000 per cardmember account per calendar 12 months, so it is an important selection for costly objects.*

Apart from these two particular advantages, the cardboard’s different notable perks embody:

  • Cellphone safety, for a most of $800 per declare with a restrict of two accredited claims per 12-month interval. Protection for a stolen or broken eligible cellphone is topic to the phrases, situations, exclusions and limits of legal responsibility of this profit.**
  • Entry to the Cruise Privileges Program and the Worldwide Airline Program.
  • A 35% rebate while you use Pay with Factors to cowl a first- or business-class ticket on any airline or an financial system ticket on one airline of your selection (as much as 1 million factors again per calendar 12 months).

*Eligibility and profit stage varies by card. Phrases, situations and limitations Apply. Please go to for extra particulars. Underwritten by AMEX Assurance Firm.
**Eligibility and profit stage varies by card. Phrases, situations and limitations Apply. Please go to for extra particulars. Underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

Associated: Is the Amex Enterprise Platinum well worth the annual charge?

Incomes factors on the Amex Enterprise Platinum

Amex Enterprise Platinum cardholders will earn 1.5 Membership Rewards factors per greenback on as much as $2 million in eligible purchases within the U.S. per calendar 12 months within the following classes:

  • Digital items retailers
  • Software program
  • Cloud service suppliers
  • U.S. development supplies and {hardware} provides
  • Transport suppliers
  • Purchases of $5,000 or extra

Cardmembers earn 5 factors per greenback on airfare and pay as you go lodge purchases with American Specific Journey (together with Amex Advantageous Accommodations + Resorts).

All different purchases earn 1 level per greenback.

Associated: All the things it is advisable to learn about Amex Membership Rewards

Redeeming factors on the Amex Enterprise Platinum

We advocate transferring your Membership Rewards factors to any of Amex’s lodge and airline companions for max worth. You may also redeem your factors for service provider present playing cards or to cowl fees 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 manner.


The simplest redemption choice that also provides first rate worth is American Specific Journey’s Pay with Factors function, which lets you obtain a 35% rebate while you use factors towards first- and business-class flights on any airline, in addition to economy-class flights on your chosen airline. This boosts your redemption worth for these purchases from 1 cent to 1.54 cents per level.

Simply be aware that the 35% rebate is capped at 1 million factors again per calendar 12 months, and you should have the total variety of factors for the usual redemption in your account on the time of reserving. You may then obtain the rebate inside one or two billing cycles.

Transferring factors on the Amex Enterprise Platinum

Once more, you may unlock much more worth out of your earnings by transferring your Membership Rewards factors to any of Amex’s 21 airline or lodge companions. Most transfers happen at a ratio of 1:1 and course of immediately. Going this route might take a little bit of sleuthing, however a little bit work may help enhance the worth of your factors considerably above the TPG valuation.


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

TPG bank cards author Chris Nelson receives excellent worth regularly by using Amex’s beneficiant switch bonuses with Avianca LifeMiles to redeem for lie-flat seats, reminiscent of United Polaris flights to Europe.

Associated: One of the best methods to make use of Amex Membership Rewards factors

Which playing cards compete with the Amex Enterprise Platinum?

When you really feel that your small business won’t be capable of get the total worth out of the Enterprise Platinum Card, you would possibly need to contemplate different choices.

For extra choices, take a look at our full record of the finest enterprise bank cards.

Learn extra: Practicality vs. luxurious: Chase Ink Enterprise Most well-liked vs. Amex Enterprise Platinum

Backside line

The Amex Enterprise Platinum Card is a superb selection for enterprise vacationers with bills in bonus classes and those who supply assertion credit. Whereas it won’t be well worth the cash for all enterprise homeowners, its journey perks are troublesome, if not unimaginable, to beat. With a plethora of journey advantages, the Amex Enterprise Platinum is a must have card for these trying to maximize their journey.

Apply right here: The Amex Enterprise Platinum card with 120,000 Membership Rewards factors after you spend $15,000 on eligible purchases within the first three months of card membership

For charges and charges of the Amex Enterprise Platinum, click on right here.
For charges and charges of the Amex Enterprise Gold, click on right here.
For charges and charges of the Amex Platinum, click on right here.

Supply hyperlink

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