I’ve held The Enterprise Platinum Card® from American Specific for 4 years; it has been a cornerstone in my journey rewards technique, because of perks like airport lounge entry. The Amex Enterprise Platinum is likely one of the finest enterprise rewards playing cards out there, which is why it is a mainstay in my pockets. The advantages of membership are substantial, with financial savings of lots of and even 1000’s of {dollars} per 12 months. Card ranking*: ⭐⭐⭐⭐
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Amex Enterprise Platinum: The fundamentals
The Amex Enterprise Platinum is a premium enterprise journey rewards card. It earns extremely useful, versatile Amex Membership Rewards factors, which I incessantly use to e book business-class flights with the issuer’s journey companions.
This card has a hefty $895 annual charge (see charges and costs), nevertheless it does supply advantages I exploit incessantly, like airport lounge entry and computerized lodge elite standing with Marriott Bonvoy, Hilton Honors and Leaders Membership, along with expedited airport safety packages. Enrollment is required for choose advantages.
Nonetheless, the Amex Enterprise Platinum just isn’t a easy one-size-fits-all product. To totally maximize the advantages and extract worth from this card, you may must put in some effort.
This card is not appropriate for each small enterprise — particularly those who don’t incessantly ship staff on journey or these whose main spending classes do not align with those featured on the Amex Enterprise Platinum.
Let’s dive into the cardboard’s particulars so you’ll be able to resolve if it’s an excellent match for your small business.
Associated: How one can get a enterprise bank card
Amex Enterprise Platinum execs and cons
Earns useful Membership Rewards factors
Options a number of switch companions
Unparalleled lounge entry
Resort elite standing
Entry to elite lodge bookings
Provides journey credit
Costly $895 annual charge
Restricted bonus classes
Assertion credit require effort and could be onerous to maximise
Enrollment is required for choose advantages.
Amex Enterprise Platinum advantages
The Amex Enterprise Platinum has a number of assertion credit simply totaling over $3,500 in annual worth. These will help cardmembers probably offset the excessive annual charge.
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Right here’s a detailed have a look at all of them. Enrollment is required for choose advantages; I’ve designated every of these with an asterisk so you’ll be able to simply monitor them.
Assertion credit
As much as $600 per calendar 12 months
A press release credit score of as much as $300 biannually on pay as you go American Specific Nice Inns + Resorts or The Resort Assortment bookings with Amex Journey if you pay together with your Amex Enterprise Platinum (Resort Assortment stays require a two-night minimal)
As much as $150 per calendar 12 months, plus an extra $1,000 in assertion credit after assembly a spending requirement per calendar 12 months
As much as $150 in assertion credit on U.S. purchases made instantly with Dell and an extra $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar 12 months
As much as $360 per calendar 12 months
As much as $90 per quarter in assertion credit
As much as $250 per calendar 12 months
A $250 assertion credit score after spending $600 or extra on U.S. purchases made instantly with Adobe every calendar 12 months (topic to auto-renewal)
As much as $200 per calendar 12 months
As much as $120 per calendar 12 months
Assertion credit for purchases made instantly from U.S. wi-fi phone suppliers (as much as $10 monthly)
As much as $209 per calendar 12 months
A press release credit score towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal)
As much as $200 per calendar 12 months
An annual airline charge credit score of as much as $200 for prices by the airline you choose every calendar 12 months
As much as $120
A press release credit score for International Entry ($120) each 4 years or TSA PreCheck (as much as $85) each 4 1/2 years
As much as $1,200 in flight assertion credit and as much as $2,400 in One AP assertion credit
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 12 months after assembly the requirement), each after spending $250,000 or extra on eligible purchases in a calendar 12 months (spending in your card this 12 months counts towards the requirement)
Lounge entry
Together with the plethora of assertion credit it’s possible you’ll (or might not) be capable to use, the Amex Enterprise Platinum shines by way of with its different journey perks. That is my go-to card for lounge entry.
Apart from providing entry to Amex’s Centurion Lounges, your card will open the door to the intensive American Specific International Lounge Assortment (entry is restricted to eligible cardmembers). It’s composed of greater than 1,700 lounges worldwide, together with:
Aspire loungesDelta Sky Golf equipment, which you’ll be able to enter when you have got an eligible same-day flight (excluding primary financial system tickets)Escape loungesPlaza Premium loungesPriority Cross areas (enrollment is required; restaurant areas are excluded)Lufthansa lounges when you have got a same-day flight on a Lufthansa Group airlineOther International Lounge Assortment companion lounges
Nonetheless, it’s value noting that you just’re restricted to 10 whole Delta Sky Membership visits per 12 months — except you spend $75,000 in a calendar 12 months to unlock limitless entry.
Visitor entry to Centurion Lounges prices $50 per individual; nevertheless, if you happen to spend $75,000 or extra in a calendar 12 months, you may additionally unlock complimentary entry for as much as two friends.
Moreover, you’ll be able to add approved customers for $400 every (see charges and costs), and they’ll obtain the identical lounge entry as the first cardmember.
Resort and automobile rental standing
As for advantages that turn out to be useful when you attain your vacation spot, this card lets you register for complimentary Gold standing with Hilton Honors and Marriott Bonvoy, which gives greater earnings and elevated advantages throughout stays with these two manufacturers.
You can even enroll for Leaders Membership Sterling standing from The Main Inns of the World. LHW is a set of impartial accommodations worldwide. With standing, you may obtain advantages like upgrades and the flexibility to earn factors.
Cardmembers additionally take pleasure in complimentary top-tier rental automobile elite standing with a number of packages, together with Avis President’s Membership, Hertz President’s Circle and Nationwide Emerald Membership Government. Enrollment could also be required. Plus, if you happen to hire incessantly with Enterprise, Price range or Sixt, you’ll be able to request a standing match to get their top-tier standing.
I hire with Hertz incessantly and actually worth with the ability to decide any automobile within the President’s Circle aisle at airport areas. I simply get in and go, skipping the rental counter, which saves me a bunch of time. Plus, when paired with the Enterprise Platinum, cardmembers obtain a four-hour grace interval.
Buying and journey protections
As you may anticipate, the Amex Enterprise Platinum Card can be ultimate for business-related purchases. It options prolonged guarantee safety‡ that prolongs eligible U.S. producer warranties of 5 years or much less by an extra 12 months, saving enterprise house owners money and time if an merchandise they buy experiences an issue.
Moreover, the cardboard’s buy safety‡ covers unintended injury 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’s a fantastic selection for costly gadgets.
The Enterprise Platinum additionally presents a complete suite of journey protections. These embrace:
Journey delay insurance coverage: In case your journey is delayed by greater than six hours because of a lined motive, it’s possible you’ll be eligible to be reimbursed as much as $500 per lined journey for cheap further bills.**Journey cancellation/interruption insurance coverage: If it’s essential to cancel or interrupt your journey due to a lined motive, it’s possible you’ll be eligible for reimbursement of as much as $10,000 per lined journey.**
Different notable advantages
The cardboard’s different standout perks embrace:
‡Eligibility and profit degree range by card. Phrases, situations and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm.
**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.
§Eligibility and profit degree range 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 well worth the annual charge?
How one can earn and use your rewards
To get probably the most out of your Amex Enterprise Platinum, it’s essential to know how its factors are earned and redeemed.
Incomes factors on the Amex Enterprise Platinum
Small-business house owners will earn factors in key enterprise and journey classes, together with:
5 factors per greenback spent on airfare and pay as you go lodge purchases booked on amextravel.com2 factors per greenback spent on as much as $2 million in eligible purchases per calendar 12 months (then 1 level per greenback thereafter) within the following classes: eligible purchases of $5,000 or extra, U.S. cloud service suppliers, U.S. development supplies and {hardware} provides, U.S. digital items retailers, U.S. transport suppliers, and U.S. software1 level per greenback spent on all different purchases
I do not put a lot spending on this card as my different playing cards supply greater incomes charges. I might want 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) supply elevated earnings on accommodations and flights booked instantly.
For me, the incomes charges make it robust to justify holding this card 12 months after 12 months, 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
You’ve gotten a number of choices for redeeming your factors. Nonetheless, many yield a price of 1 cent per level or much less. The 2 most dear redemption choices are utilizing Amex Journey’s Pay with Factors function and transferring your Membership Rewards factors to any of Amex’s lodge and airline companions for optimum worth.
The Pay with Factors function lets you obtain a 35% bonus if you use factors towards a flight in any cabin in your designated airline. This boosts your redemption worth for these purchases from 1 cent to 1.54 cents per level. Simply observe that you will need to 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 (as much as 1 million factors again per calendar 12 months).
Nonetheless, you’ll be able to unlock probably the most worth out of your earnings by transferring factors to any of Amex’s 20 airline and lodge companions, with a few of my favorites being:
Most transfers happen at a ratio of 1:1 and are processed immediately.
Going this route might require some analysis, however just a little effort will help considerably improve the worth of your factors above our valuations.
I incessantly obtain outsize worth by transferring factors to Air Canada Aeroplan to e book lie-flat seats on Star Alliance companions, equivalent to United Airways Polaris business-class flights to Europe. I additionally prefer to switch factors to Air France-KLM Flying Blue to benefit from this system’s frequent Promo Rewards gross sales.
I additionally attempt to search for switch bonuses to make my factors much more useful.
Nonetheless, not all redemptions need to be glamorous. Some are simply sensible and might prevent a boatload of cash.
For instance, TPG director of content material for bank cards and factors and miles Carly Helfand had her Thanksgiving plans delayed by a pet emergency and needed to cancel her ticket. She transferred 16,000 factors to British Airways Membership to e book a brand new flight on American Airways the subsequent day.
It wasn’t her finest redemption ever, however she was pleased to not pay a last-minute money fare the Tuesday earlier than Thanksgiving.
Associated: Greatest methods to make use of Amex Membership Rewards factors, from business-class flights to Europe to budget-friendly lodge stays
Downsides to contemplate concerning the Amex Enterprise Platinum
Whereas no card will likely be excellent, if you’re spending $800-plus on an annual charge, the cons can actually weigh closely.
Costliest publicly out there enterprise card available on the market, with an $895 annual charge.You may get lounge entry with less expensive enterprise playing cards available on the market.You do not earn bonus factors for journey purchases not booked in a portal.It is advisable be keen to handle a number of assertion credit (together with some area of interest ones that require excessive spending) to extract most worth.
If you should use even half of the assertion credit and advantages the Enterprise Platinum gives, you’ll be able to simply recoup the price of the annual charge and extra. In any other case, one other card could also be a greater possibility.
Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
The Chase Sapphire Reserve for Enterprise is the Amex Enterprise Platinum’s greatest rival. Each are premium enterprise journey rewards playing cards that earn useful factors, include expansive advantages and have hefty annual charges.
The Enterprise Platinum presents extra complimentary elite statuses and journey perks than the Sapphire Reserve for Enterprise. Nonetheless, the Sapphire Reserve for Enterprise presents beneficiant assertion credit, together with many which might be extra simple and simpler to make use of than the Enterprise Platinum’s, and industry-leading journey protections.
By way of earnings charges, it surpasses the Amex Enterprise Platinum by offering elevated earnings on accommodations and flights booked instantly, in addition to uncapped elevated earnings on promoting.
The Enterprise Platinum presents the perfect airport lounge entry available on the market, however the Sapphire Reserve for Enterprise additionally gives strong lounge entry.
Associated: Chase Sapphire Reserve for Enterprise overview: Is Chase’s new enterprise card best for you?
When to use for the Amex Enterprise Platinum
At present, now could be the perfect time to use for this card, because it’s providing its highest-ever publicly out there welcome supply for a restricted time.
New Amex Enterprise Platinum candidates can earn 200,000 bonus factors after spending $20,000 on purchases throughout the first three months of card membership.
TPG’s December 2025 valuations peg the Membership Rewards factors this card earns at 2 cents apiece. So, if you happen to can handle this supply’s excessive spending requirement, you’ll obtain $4,000 in worth.
It is essential to notice that Amex has utility restrictions, together with a once-in-a-lifetime rule. You probably have or have held this card prior to now, you might not be eligible to obtain this welcome supply.
Associated: The perfect bank card welcome bonuses of the month
Different playing cards to contemplate if you don’t need the Amex Enterprise Platinum
In case you really feel that your small business won’t be capable to get the complete worth out of the Enterprise Platinum, you may wish to take into account different choices:
For extra choices, take a look at our picks for the perfect 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
The Amex Enterprise Platinum Card stays a superb selection for enterprise vacationers who spend a major quantity in its bonus classes and with retailers lined by its assertion credit.
Its strong roster of switch companions, unmatched airport lounge entry and strong suite of journey protections are causes sufficient for this card to have a slot in my pockets.
Whereas it won’t be value it for all enterprise house owners, its journey perks are onerous to beat for the best cardmember.
Apply right here: The Enterprise Platinum Card from American Specific
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.
