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American Express Platinum Business Credit Card Reviews & Info

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Contact Information

  • Telephone: 1-800-519-6736
  • E-Mail: Online chat from the card’s main homepage
  • Mailing Address: American Express P.O.Box 981540 El Paso, TX 79998-1540

The American Express Platinum Business Credit Card issued by the American Express Centurion is a great choice if you are searching for a business card full of rewards and benefits. The card offers incredible discounts for airlines, travel reservations, entertainment and more to its cardholders. The card has a $450 annual fee but does not include any foreign transactional fees.

Card Information


1X Points for each dollar you spend on eligible purchases.
1.5X Points per each dollar on qualifying purchases of $5,000 or more with the Business Platinum Card and up to 1 million additional points per year.
2X Points for each dollar of eligible purchases made when you book on the American Express Travel website.

Signup Bonus

$200 airline fee credit.

50,000 Membership Rewards points after spending $5,000 and an extra 50,000 points after an additional $10,000 spent on qualifying purchases on the Business Platinum Card within the first 3 months of Card Membership.

Annual Fee


Cash Advance APR


Late Payment Fee

$38 or 2.99% of any past due Pay in Full amount, whichever is greater.

Purchases APR

All charges made on this charge card are due and payable when receiving periodic statement, so there is no fixed APR

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Pros and Cons


+ Signup bonuses
+ Point rewards
+ No foreign transaction fees


- High annual fee
- High late payment fee
- Higher rewards only for selected products

4 Reviews

American Express Platinum Business Credit Card Overall rating: ★★★★☆ 3.7 based on 4 reviews
5 1

Good for established businesses

5 5 1
The American Express Platinum Business credit card is not bad for those who already have an established business, but is not a good option for those who’re starting out and there are a few good reasons why. For one, they have an annual fee of four-hundred and fifty dollars a month which doesn’t include other fees that may be associated with it. This isn’t a bad option if you’ve got a well-established business, but many businesses that are starting out can’t afford these annual fees. However, with you do earn one point on certain purchases that qualify, one and a half points on certain purchases over a thousand dollars, but you can’t earn more than a million per year. If you’re prone to a lot of traveling, then depending on the website you can earn up to two times the points. Once you’ve signed up you’re rewarded with a two-hundred-dollar travel fee credit as well as fifty-thousand reward points once you spend a five-thousand-dollars, and plus another fifty-thousand after you spend ten-thousand within the first three months of having this card. This is great as mentioned for anyone who has an established business because in most cases you’re already dropping serious money on purchases whereas a new business isn’t as likely to be able to afford the purchases to earn the rewards. Overall, not a bad card at all.

Amazingly luxurious

5 5 1
I simply love it. I’ve been getting much more from traveling and hotel reservations than with whatever other business card available from other retailers. Rewards points are very abundant and I can organize them to get the best from extra services this card offers.

bad choice

2 5 1
Me and my partner thought to purchase this card in order to manage our business travel necessities because we thought it could be a good option. It seems we didn’t consider very well all the disadvantages this card comes with including that huge yearly fee of 450 dollars which seems highly inappropriate. I’m considering changing it once and for good.

Highly expensive card

3 5 1
The Platinum card by American Express is a very expensive option for me. The rewards are also less than promised when I applied for getting this card. The only good thing is the facility of controlling everything through the online account.
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