American Express Business Platinum Card Review: 100,000 Bonus Points, New $179 CLEAR Membership Credit

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Added CLEAR membership credit. The Business Platinum® Card from American Express is the ultra-premium AmEx business card with a very long list of perks, including the best airline lounge access program (Delta Sky Club + their own Centurion lounges) and several new perks in response to the pandemic. Here are the details:

  • 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with your Card in the first 3 months.
  • 5X points on eligible U.S. purchases on shipping, wireless telephone services, advertising in select media, office supplies and gas stations, with the Card in the first 3 months, up to 80,000 bonus points per category.
  • 5X points on flights and prepaid hotels on
  • 1.5X points per dollar on each eligible purchase of $5,000 or more. (Up to 1 million additional points per year.) 1 point per dollar on all other purchases.
  • Get 35% back when you redeem points for flights. Use their “Pay with Points” option 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. See details below.
  • Fee Credit for Global Entry or TSA PreCheck. Get a statement credit available every 4 years after you apply for Global Entry ($100), which includes TSA PreCheck®.
  • $179 CLEAR membership credit. Breeze through security with CLEAR(R) where available and get up to $179 back per year on your membership when you use your Card.
  • $595 annual fee. (See Rates and Fees)

Note the following language: “Welcome bonus offer not available to applicants who have or have had this product.” You can only get the welcome offer on the Platinum Business AmEx once time per lifetime, so it is best to apply during a limited-time offer.

American Express Global Lounge Collection. Some other travel cards give you Priority Pass Select, which is nice but not as inclusive as the Platinum card’s list of 1,200+ airport lounges across 130 countries. Domestically, you get Delta Skyclub access (an individual Skyclub membership costs $495 from Delta alone) as well as the new Centurion Lounge network built specifically for American Express cardholders.

  • The Centurion® Lounge
  • The International American Express Lounges
  • Delta SkyClub®
  • Priority Pass Select
  • Airspace Lounge
  • Escape Lounges

35% Airline Bonus details. Let’s say your selected airline is Delta, and you want to buy a couple economy Delta tickets for $1,000 using their Pay with Points features. This means that $1,000 ticket booked through AmEx Travel will only cost you 65,000 Membership Rewards points net (100,000 points and then 35,000 point rebated back). This improves the 1 cent per point value to 1.54 cents per point value. This means that 75,000 Membership Rewards points can be worth $1,155 in airfare on your selected airline.

Transfer partners. You can transfer Membership Rewards points to 16 airline and 3 hotel partners including Delta, British Airways, Hawaiian, JetBlue, Air Canada, Hilton, Starwood Preferred Guest, and Choice Hotels. If you’re good at snagging award tickets, you can get even better value this way.

Bottom line. The Business Platinum® Card from American Express is the ultra-premium AmEx business card that tries to make your air travel more pleasant in a variety of ways. (See Rates and Fees)

Also see: Top 10 Best Business Card Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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  1. That’s a pretty high spending hurtle unless you are running a business that spends that much anyways. The only disadvantage to an inexpensive lifestyle is is tough meeting credit card minimum spends!

  2. To much spending for the 100000 points,Gone are the days when it was 5k or so.
    I wont be applying for it,just got Hilton Aspire

  3. “Spending $25,000 within 3 months is a ***relatively*** high spending hurdle”

    This sentence made me roll my eyes. You must live in California or some other high COL area disconnected from reality.

    The Bureau if Labor Statistics places the real median personal income at $31,099 (In a YEAR). The median income for individuals who were self-employed at their own incorporated businesses was $49,204 in 2014. For individuals self-employed at their own unincorporated firms, this figure was $22,209

    25,000 in 3 months is a HIGH spending threshold, no qualifiers needed.

    • This is a small business card. Small business cards have higher spending hurdles on average because having $9,000 a month in business expenses doesn’t mean a business takes in $9,000 in profit. If your profit margin is 50%, then you could spend $10,000 a month and net $5,000 a month after taking out rent, raw materials, inventory costs, etc.

      I would also have trouble spending $25k in 3 months in terms of personal household spending. I’ve bought a car and not hit that mark.

    • The BLS real median income is $31k??? What is that, in 1987 dollars?

      • Hi Andy.. That is 2016 dollars, and median personal income (not household). It kinda make sense since the US *household* median income is about 55k (I.e. two income earning adults). I guess you could say there is some distortion on that number because I would assume not many households the income is split 50/50 per adult

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