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 without doubt one of the greatest enterprise rewards playing cards obtainable, which is why it is a mainstay in my pockets. The advantages of membership are substantial, with financial savings of a whole lot and even hundreds 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.
Amex Enterprise Platinum: The fundamentals
The Amex Enterprise Platinum is a premium enterprise journey rewards card. It earns extremely worthwhile, versatile Amex Membership Rewards factors, which I ceaselessly use to e-book business-class flights with the issuer’s journey companions.
This card has a hefty $895 annual payment (see charges and costs), however it does supply advantages I exploit ceaselessly, like airport lounge entry and computerized lodge elite standing with Marriott Bonvoy, Hilton Honors and Leaders Membership, along with expedited airport safety applications. Enrollment is required for choose advantages.
Nonetheless, the Amex Enterprise Platinum will not be a easy one-size-fits-all product. To totally maximize the advantages and extract worth from this card, you may have to put in some effort.
This card is not appropriate for each small enterprise — particularly people who don’t ceaselessly ship staff on journey or these whose major 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 determine if it’s a great match for your enterprise.
Associated: Learn how to get a enterprise bank card
Amex Enterprise Platinum execs and cons
Earns worthwhile Membership Rewards factors
Options a number of switch companions
Unparalleled lounge entry
Lodge elite standing
Entry to elite lodge bookings
Gives journey credit
Costly $895 annual payment
Restricted bonus classes
Assertion credit require effort and could be exhausting 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 doubtlessly offset the excessive annual payment.
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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 High-quality Accommodations + Resorts or The Lodge Assortment bookings with Amex Journey while you pay along with your Amex Enterprise Platinum (Lodge Assortment stays require a two-night minimal)
As much as $150 per calendar 12 months, plus a further $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 immediately with Dell and a further $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 immediately 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 immediately 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 payment credit score of as much as $200 for fees by the airline you choose every calendar 12 months
As much as $120
A press release credit score for World 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 chances are you’ll (or might not) have the ability to use, the Amex Enterprise Platinum shines by 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 World 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 enter when you will have an eligible same-day flight (excluding fundamental financial system tickets)Escape loungesPlaza Premium loungesPriority Go areas (enrollment is required; restaurant areas are excluded)Lufthansa lounges when you will have a same-day flight on a Lufthansa Group airlineOther World Lounge Assortment associate lounges
Nonetheless, it’s value noting that you simply’re restricted to 10 complete Delta Sky Membership visits per 12 months — until you spend $75,000 in a calendar 12 months to unlock limitless entry.
Visitor entry to Centurion Lounges prices $50 per particular person; nevertheless, should you spend $75,000 or extra in a calendar 12 months, you may additionally unlock complimentary entry for as much as two visitors.
Moreover, you’ll be able to add licensed customers for $400 every (see charges and costs), and they’re going to obtain the identical lounge entry as the first cardmember.
Lodge and automobile rental standing
As for advantages that come in useful when you attain your vacation spot, this card means that you can register for complimentary Gold standing with Hilton Honors and Marriott Bonvoy, which supplies larger earnings and elevated advantages throughout stays with these two manufacturers.
You may as well enroll for Leaders Membership Sterling standing from The Main Accommodations of the World. LHW is a group of impartial inns 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 applications, together with Avis President’s Membership, Hertz President’s Circle and Nationwide Emerald Membership Govt. Enrollment could also be required. Plus, should you hire ceaselessly with Enterprise, Funds or Sixt, you’ll be able to request a standing match to get their top-tier standing.
I hire with Hertz ceaselessly 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.
Purchasing and journey protections
As you may count on, the Amex Enterprise Platinum Card can also be perfect for business-related purchases. 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 house owners money and time if an merchandise they buy experiences an issue.
Moreover, the cardboard’s buy safety‡ covers unintended harm or theft for as much as 90 days after buy (as much as $10,000 per coated buy and $50,000 per cardmember account per calendar 12 months), so it’s a fantastic alternative for costly gadgets.
The Enterprise Platinum additionally provides a complete suite of journey protections. These embody:
Journey delay insurance coverage: In case your journey is delayed by greater than six hours resulting from a coated purpose, chances are you’ll be eligible to be reimbursed as much as $500 per coated journey for affordable further bills.**Journey cancellation/interruption insurance coverage: If that you must cancel or interrupt your journey due to a coated purpose, chances are you’ll be eligible for reimbursement of as much as $10,000 per coated journey.**
Different notable advantages
The cardboard’s different standout perks embody:
‡Eligibility and profit degree fluctuate by card. Phrases, circumstances and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm.
**Eligibility and profit ranges fluctuate by card. Phrases, circumstances 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 fluctuate by card. Phrases, circumstances 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 definitely worth the annual payment?
Learn how to earn and use your rewards
To get probably the most out of your Amex Enterprise Platinum, it’s vital 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 larger 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 inns and flights booked immediately.
For me, the incomes charges make it powerful 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 got a number of choices for redeeming your factors. Nonetheless, many yield a price of 1 cent per level or much less. The 2 most beneficial 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 means that you can obtain a 35% bonus while 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 have to have the total 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 slightly effort will help considerably enhance the worth of your factors above our valuations.
I ceaselessly obtain outsize worth by transferring factors to Air Canada Aeroplan to e-book lie-flat seats on Star Alliance companions, corresponding to United Airways Polaris business-class flights to Europe. I additionally wish 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 worthwhile.
Nonetheless, not all redemptions should 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 following day.
It wasn’t her greatest redemption ever, however she was comfortable to not pay a last-minute money fare the Tuesday earlier than Thanksgiving.
Associated: Finest methods to make use of Amex Membership Rewards factors, from business-class flights to Europe to budget-friendly lodge stays
Downsides to think about concerning the Amex Enterprise Platinum
Whereas no card shall be excellent, while you’re spending $800-plus on an annual payment, the cons can actually weigh closely.
Most costly publicly obtainable enterprise card available on the market, with an $895 annual payment.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.You must 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 utilize even half of the assertion credit and advantages the Enterprise Platinum supplies, you’ll be able to simply recoup the price of the annual payment and extra. In any other case, one other card could also be a greater choice.
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 worthwhile factors, include expansive advantages and have hefty annual charges.
The Enterprise Platinum provides extra complimentary elite statuses and journey perks than the Sapphire Reserve for Enterprise. Nonetheless, the Sapphire Reserve for Enterprise provides beneficiant assertion credit, together with many which are 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 inns and flights booked immediately, in addition to uncapped elevated earnings on promoting.
The Enterprise Platinum provides the very best airport lounge entry available on the market, however the Sapphire Reserve for Enterprise additionally supplies stable 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
Presently, now’s the very best time to use for this card, because it’s providing its highest-ever publicly obtainable welcome supply for a restricted time.
New Amex Enterprise Platinum candidates can earn 200,000 bonus factors after spending $20,000 on purchases inside 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, should you can handle this supply’s excessive spending requirement, you’ll obtain $4,000 in worth.
It is vital to notice that Amex has utility restrictions, together with a once-in-a-lifetime rule. When you have or have held this card prior to now, you is probably not eligible to obtain this welcome supply.
Associated: One of the best bank card welcome bonuses of the month
Different playing cards to think about if you do not need the Amex Enterprise Platinum
If you happen to really feel that your enterprise won’t have the ability to get the total worth out of the Enterprise Platinum, you may need to take into account different choices:
For extra choices, try our picks for the very best 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 alternative for enterprise vacationers who spend a major quantity in its bonus classes and with retailers coated by its assertion credit.
Its stable roster of switch companions, unequalled airport lounge entry and sturdy 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 exhausting to beat for the proper 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.
