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The Amex Business Platinum card is offering an increased welcome bonus of 100,000 points, but only for a limited time

This article is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or otherwise endorsed by any of the issuers listed. Some of the offers you see on the page are from our partners like Citi and American Express, but our coverage is always independent. Terms apply to the offers listed on this page.

  • The Business Platinum Card® from American Express
    is out with an increased welcome offer.
  • New cardholders can earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership.
  • If you’re not a small-business owner, consider The Platinum Card® from American Express
    instead.
  • Read Insider’s guide to the best small-business credit cards.

American Express has come on strong in 2021 with limited-time benefits and bonuses on several Amex cards, especially on The Platinum Card® from American Express.

There’s now an even higher offer for small-business owners. The Business Platinum Card® from American Express has increased its welcome offer to 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership.

This is an excellent opportunity to earn a ton of Amex Membership Rewards points and take advantage of valuable benefits, especially as people start traveling again. Amex points don’t expire, so there’s no rush to use them, and if you’re not ready to hit the road yet, there are plenty of non-travel redemption options as well.

The Amex Business Platinum Card does come with a hefty $595 annual fee (See Rates), so it’s not for everyone. However, the card offers top-tier benefits like up to $200 per calendar year in statement credits toward U.S. Dell purchases, up to $200 in airline incidental fee credits per calendar year, and airport lounge access. If you’re able to maximize the card’s perks, the annual fee on the Amex Business Platinum is well worth it.

Here’s what to know if you’re considering the offer.

Amex Business Platinum bonus

Regular APR

14.24 – 22.24 Variable

Credit Score

Good to Excellent

Featured Reward

100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • More travel benefits than you’ll find on any other business credit card
    • Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass
    • Complimentary hotel elite status
    • Access to Amex concierge services
    Cons
    • Very high annual fee
    • Limited opportunities to earn bonus points
    • Annual statement credits won’t be useful for everyone
    • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
    • Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
    • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
    • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
    • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
    • Terms Apply.


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    New Amex Business Platinum Card members will earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership. According to Insider’s points and miles valuations, American Express Membership Rewards points are worth, on average, 1.8 cents apiece — so the welcome bonus alone is potentially worth about $1,800 if you redeem rewards for travel.

    With the Amex Business Platinum Card, you’ll also earn 5x points on flights and prepaid hotels booked through Amex Travel, 1.5x points on single purchases of $5,000 or more (up to 1 million additional points per calendar year), and 1 point per dollar on everything else.

    The Amex Business Platinum benefits can outweigh the annual fee

    There’s no doubt the $595 annual fee on the Amex Business Platinum Card is a lot, even for a premium card. The Amex Business Platinum Card certainly isn’t for everyone, but if you’re able to make the most of the spending categories and the slew of valuable perks the card offers, it’s easy to get a value that far exceeds the yearly cost.

    For example, the Amex Business Platinum Card comes with:

    The card also gets you access to travel programs like American Express Fine Hotels and Resorts and The Hotel Collection, and comes with top-notch purchase and travel protections that can be a lifesaver if you ever have to use them.

    Even if you’re not ready to venture far from home just yet, the Amex Business Platinum Card could be worth considering for the welcome bonus alone. There are plenty of ways to use Amex Membership Rewards points even if you’re not traveling, including toward statement credits, gift cards, merchandise, and food delivery. 

    Or, you can do what many are already doing and save your points for a big trip once the pandemic is over. Your points won’t expire as long as you have a Membership Rewards card account open and in good standing, so there’s no harm in earning the bonus now for travel down the road.

    Jasmin Baron is an associate editor at Personal Finance Insider, where she helps readers maximize rewards and find the best credit cards to fit their lifestyles. She has covered credit cards, points and miles, and loyalty programs for over seven years, and she’s a Certified Educator in Personal Finance (CEPF).

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