Table of Contents
The American Express Business Platinum Card is a business card issued by US bank Amex. It offers travel, shopping and more benefits to its users in exchange for an annual fee of $550 and one point per dollar spent on eligible purchases.
The “american express business platinum credit limit” is a card that has been around for quite some time. It offers up to 50,000 points when you spend $5,000 in the first 3 months.
The American Express Business Platinum Card® is ideal for regular travelers in the business world. Cardholders have access to more than 1,300 airport lounges across the globe, among other luxuries. While you must pay your bill in full every month with this small business credit card, it does provide a Pay Over Time option to qualifying account holders.
American Express’s Business Platinum Card®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Obtaining unparalleled travel rewards and luxury travel benefits such as access to airport lounges
Apply Now
on American Express’s Business Platinum Card®’s secure website.
Compare with
Intro APR
See the APR (Annual Percentage Rate) for Pay Over Time.
APR on a regular basis
Variable 14.49 percent – 22.49 percent
Credit is required.
Good, Excellent
- Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
- Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
- On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
- $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
- $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
- At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
- The a yearly fee is $695.
- Terms and Conditions apply.
Pros
- Travel rewards of the highest quality
- Free access to over 1,300 airport lounges across the globe
- There are no costs for international transactions.
Cons
- The balance is required in full every month.
- The yearly price is rather high.
- American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
- Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
- A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
- Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
- Rental status: At a number of automobile rental businesses, you have elite status.
- Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
- Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
- Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.
Intro APR
See the APR (Annual Percentage Rate) for Pay Over Time.
APR on a regular basis
Variable 14.49 percent – 22.49 percent
Credit is required.
Good, Excellent
- Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
- Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
- On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
- $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
- $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
- At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
- The a yearly fee is $695.
- Terms and Conditions apply.
Pros
- Travel rewards of the highest quality
- Free access to over 1,300 airport lounges across the globe
- There are no costs for international transactions.
Cons
- The balance is required in full every month.
- The yearly price is rather high.
- American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
- Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
- A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
- Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
- Rental status: At a number of automobile rental businesses, you have elite status.
- Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
- Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
- Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.
Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.
How Do We Assess Business Credit Cards With Points?
We assess the continuing and initial perks when rating point-rewards business credit cards like the American Express Business Platinum Card®. The a yearly fee, introductory and continuing annual percentage rates (APRs), and other card advantages are also considered.
Who Should Use the American Express Business Platinum Card®?
- Owners of businesses that travel frequently: On travel and lodging reservations, the American Express Business Platinum Card® delivers premium rewards points. It also offers travel benefits such as access to airport lounges and airline charge credit on eligible incidental purchases.
- Owners of businesses that are able to pay their monthly bills in full: Unless you want to utilize the Pay Over Time option, you must pay your debt in full every month with this business credit card.
Fees on the American Express Business Platinum Card®
- 0% intro annual percentage rate (APR) on purchases qualifying for Pay Over Time for the first 12 months following account activation.
- APR is still active:
- It must be paid in full on a monthly basis.
- On purchases qualified for the Pay Over Time feature, there is a 0% intro APR for 12 months from the date of account creation; otherwise, the APR ranges from 14.49 percent to 22.49 percent, depending on the prime rate.
- The current variable penalty APR for Pay Over Time amounts is 29.49 percent.
- The annual charge is $695.
- Transfers are not permitted due to a balance transfer cost.
- Fees for international transactions: none
- Fee for cash advances: Cash advances are not permitted.
Rewards with the American Express Business Platinum Card®
- On amextravel.com, 5x membership rewards points are earned on flights and prepaid hotels.
- For qualified purchase transactions of $5,000 or more, 1.5x membership rewards points per dollar are awarded, up to a total of $2 million each calendar year.
- All other purchases get you 1x points.
- For baggage fees and other qualified incidental charges with a qualifying airline of your choice, you will get a $200 airline fee credit every calendar year.
- On Dell purchases, you’ll get a $400 bill credit per year.
- On purchases with Indeed, you’ll get a $360 bill credit per year.
- For some Adobe membership purchases, you’ll get a $150 bill credit per year.
- Wireless phone service purchases get you a $120 bill credit each year.
- Per year, you’ll get a $179 statement credit on your Clear membership.
- Spend $15,000 on qualifying purchases with the Business Platinum Card within the first three months after account creation to earn 120,000 Membership Rewards® points.
You’ll need at least 1,000 points in your account to redeem your points as a statement credit, which you may use to pay for charges on your credit card statement. You may also exchange your points into gift cards or spend them on Amazon purchases by visiting amexgiftcard.com. In New York City, you may also use your points to pay for some taxi costs and tips.
When you book travel on American Express Travel with a minimum of 5,000 points, you’ll get 35 percent of your points back. You may also transfer your points to another frequent flyer club for 0.0006 cents per point, up to a maximum of $99. You may use your points to buy event tickets on Ticketmaster or AXS if you have a minimum of 2,000 points.
Features of the American Express Business Platinum Card®
Roadside Assistance Plus
Your American Express Business Platinum Card® gives you access to Roadside Assistance Plus up to four times per year at no additional charge. Available services include towing, winching, jumping your car, tire change if there’s a spare, gas delivery, and lockout services. Some vehicles and services aren’t covered, including rental vehicles, taxis, unlicensed vehicles, and tractors and trucks weighing more than 10,000 pounds.
Purchase Insurance
Purchased items that are damaged or stolen within 120 days of purchase―90 days for New York residents―are covered by Purchase Insurance. American Express will reimburse the amount charged to your card, up to $10,000 per claim and $50,000 per cardmember each year. Purchase Insurance doesn’t cover certain items, such as motorized vehicles, medical equipment, rented items, permanent fixtures, animals, living plants, and consumables.
Return Insurance
If you return an eligible item within 90 days of purchase and the retailer refuses to accept it, American Express will reimburse the purchase price, up to $300 per item and $1,000 per cardmember account each year. Items are acceptable for return if they are in the same condition as when they were purchased. This protection does not apply to motor cars, personal hygiene goods, tickets, computer software, jewelry, books, or perishable commodities.
Protection under the Extended Warranty
On goods having a five-year or shorter original manufacturer’s guarantee, the American Express Business Platinum Card® provides extended warranties. If the original warranty is between two and five years, American Express will either match warranties that are shorter than two years or add two more years.
Insurance for Travel Accidents
Insurance for Travel Accidents up to $500,000 is available if you die or lose a limb, sight, speech, or hearing during travel that was paid for entirely using your American Express Business Platinum Card®. Self-inflicted injuries, certain ailments, and physical or mental infirmity aren’t included in the coverage.
Plan for Baggage Insurance
This American Express credit card covers any lost luggage in transit for $1,000 to $3,000, including carry-on baggage, checked baggage, high-risk goods, and both carry-on and checked baggage. Jewelry, recreational equipment, and technological equipment are among the high-risk goods covered by the policy. Cash, tickets, prosthesis, papers, animals, and live plants, on the other hand, are not allowed.
Car Rental Loss & Damage Insurance
If you hire a vehicle with your American Express Business Platinum Card®, you’re insured up to $75,000 per car rental agreement for the duration of the rental. Vehicles hired during the first 30 days from a vehicle rental business are eligible. Theft of or damage to tires and rental cars that are unlocked or not secured, as well as intentional damage by an authorized driver, manufacture faults, seizure by authorities, and theft of or damage to tires and rental vehicles that are unsecured or not secured are not covered.
Tools for Account Management
Tools for Account Management, such as mobile device apps, desktop programs, and QuickBooks integration, are available to enhance your cash flow operations. These tools offer the ability to manage your cards from your desktop and mobile devices. Employees can also upload photos of their receipts to make for easier expense reporting.
TSA Pre® or Global Entry
Every four years after you apply for Global Entry ($100) or every four-and-a-half years after you apply for TSA Pre® ($85), you may get a statement credit with the American Express Business Platinum Card®. You’ll enjoy quicker screening at selected airports if you’re authorized for TSA Pre®. If you’re accepted for Global Entry, you’ll also get free TSA Pre® access.
Delta Sky Club is a private club for Delta Air Lines
The American Express Business Platinum Card® gives cardholders access to airport Delta Sky Club is a private club for Delta Air Liness. You must be at least 18 years old to access a Delta Sky Club is a private club for Delta Air Lines and 21 years old to access locations that have a self-service bar. To enter a Delta Sky Club is a private club for Delta Air Lines, you must present a valid American Express card, your government ID, and your airline ticket for that day. In comparison, the Delta SkyMiles® Reserve Business American Express Card offers complimentary access to Delta Sky Club is a private club for Delta Air Liness.
Preferred Program at Gogo
Each year, each American Express Business Platinum Card® holder is entitled for up to ten free single trip tickets for Gogo inflight internet. A single flight between two cities is defined as one takeoff and landing on the same aircraft with the same flight number. Your card must have been issued in the United States and be presently active to be eligible for this program. American Express and the American Express Business Platinum Card® are the only credit cards that provide this functionality.
Pros & Cons Explained
The American Express Business Platinum Card® has a number of advantages.
- Travel rewards of the highest quality: The American Express Business Platinum Card® offers On amextravel.com, 5x membership rewards points are earned on flights and prepaid hotels., which makes this card an excellent choice for frequent travelers.
- Free access to over 1,300 airport lounges across the globe: You can access more than 1,300 airport lounges in over 500 airports around the world for free.
- There are no costs for international transactions.: You can do business globally and pay There are no costs for international transactions. on your purchases made outside of the United States.
The American Express Business Platinum Card® has certain drawbacks.
- The balance is required in full every month.: The American Express Business Platinum Card® requires that you pay your balance in full each month unless you enable the Pay Over Time feature, which allows you to pay your eligible purchases over time.
- The yearly price is rather high.: The American Express Business Platinum Card® charges a The a yearly fee is $695.
Alternatives to the American Express Business Platinum Card®
Business Preferred® by Chase Ink
The Business Preferred® by Chase Ink is a great option for business owners who want a travel rewards card without a The yearly price is rather high.. This business credit card charges a $95 a yearly fee and offers 3x points on the first $150,000 spent in combined purchases in four categories including travel, shipping purchases, advertising, and internet, cable, and phone services.
Credit Card Ink Business Preferred®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Getting the most out of your travel rewards while paying a smaller annual charge
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Chase’s Protected Website
Compare with
APR on a regular basis
Variable between 15.99 and 20.99 percent
- Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
- Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
- When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
- Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Possibility of increasing the value of award points
- Provides mobile phone insurance as well as trip cancellation insurance.
Cons
- Doesn’t provide a term of interest-free credit.
- An yearly fee is charged.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
- If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.
APR on a regular basis
Variable between 15.99 and 20.99 percent
Credit is required.
Good, Excellent
- Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
- Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
- When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
- Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Possibility of increasing the value of award points
- Provides mobile phone insurance as well as trip cancellation insurance.
Cons
- Doesn’t provide a term of interest-free credit.
- An yearly fee is charged.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
- If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.
Capital One® Spark® Business Miles
If you want to earn fixed rewards on all purchases without having to keep track of spending categories, the Capital One® Spark® Business Miles is a good alternative. This travel credit card offers a low a yearly fee and unlimited 2x miles on every business-related purchase.
Capital One® Spark® Business Miles
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Every swipe earns you 2x miles.
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on Capital One® Spark® Business Miles’s secure website.
Compare with
APR on a regular basis
20% (20.99%) (Variable)
a yearly fee
For the first year, there is no charge; after that, it is $95 each year.
Credit is required.
Excellent, Good
- After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
- 2 kilometers for every $1 invested
- Employee cards may be distributed for free.
Pros
- There are no costs for international transactions.
- Credit for TSA Pre® or Global Entry application fees
Cons
- You’ll pay an a yearly fee after the first year
- Doesn’t provide interest-free credit.
- Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
- Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
- On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months.
- Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.
APR on a regular basis
20% (20.99%) (Variable)
a yearly fee
For the first year, there is no charge; after that, it is $95 each year.
Credit is required.
Excellent, Good
- After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
- 2 kilometers for every $1 invested
- Employee cards may be distributed for free.
Pros
- There are no costs for international transactions.
- Credit for TSA Pre® or Global Entry application fees
Cons
- You’ll pay an a yearly fee after the first year
- Doesn’t provide interest-free credit.
- Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
- Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
- On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months.
- Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.
Business Advantage from Bank of America® Mastercard® Travel Rewards World
Business Advantage from Bank of America® Mastercard® Travel Rewards World credit card
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Getting the most out of your travel purchases made via Bank of America
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on Business Advantage from Bank of America® Mastercard® Travel Rewards World credit card’s secure website.
Compare with
Intro APR
0% after nine billing cycles
APR on a regular basis
Purchases have a variable APR of 12.24 percent to 22.24 percent.
- Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
- Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
- Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
- No a yearly fee and no international transaction fees.
- For the first nine billing cycles, you’ll get a 0% introductory APR on purchases.
- Redeem points for no-blackout-date travel, cash back, or gift cards.
- When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.
Pros
- No a yearly fee: By not having to pay an a yearly fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
- 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
- You will get 30,000 bonus points if you can spend $3,000 in net purchases within 90 days of starting an account.
Cons
- Low on-going rewards for non-travel purchases: While you can earn a lot of points on travel, you can only get 1.5x points on anything else.
- Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
- There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.
- Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.
Intro APR
0% after nine billing cycles
APR on a regular basis
Purchases have a variable APR of 12.24 percent to 22.24 percent.
- Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
- Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
- Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
- No a yearly fee and no international transaction fees.
- For the first nine billing cycles, you’ll get a 0% introductory APR on purchases.
- Redeem points for no-blackout-date travel, cash back, or gift cards.
- When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.
Pros
- No a yearly fee: By not having to pay an a yearly fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
- 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
- You will get 30,000 bonus points if you can spend $3,000 in net purchases within 90 days of starting an account.
Cons
- Low on-going rewards for non-travel purchases: While you can earn a lot of points on travel, you can only get 1.5x points on anything else.
- Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
- There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.
- Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.
If you want to earn bonus points but can’t meet the purchase requirement of the American Express Business Platinum Card®, consider the Business Advantage from Bank of America® Mastercard® Travel Rewards World instead. This card offers 30,000 bonus points when you make at least $3,000 in net purchases within three months of opening an account, which can be redeemed for a $300 statement credit towards travel purchases.
Conclusion
The American Express Business Platinum Card® is best for business owners who can pay their balance in full every month. This business card offers Travel rewards of the highest quality and perks ideal for business owners who need to travel frequently. If this card isn’t what you’re looking for, check out our Credit Card Marketplace to review other options.
The “american express platinum card” is an American Express credit card that offers a number of benefits. The rewards program can be used for travel and dining.
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