Our illustration in the card’s colours, not its design
American Express credit card
American Express Business Platinum Card®
$895 a year. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · americanexpress.com
“Annual Fee: $895 ¤†”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · americanexpress.com
“No Foreign Transaction Fees ¤”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$825 | −$825 | |
| Typical spender | −$715 | −$715 | |
| Heavy spender | −$500 | −$500 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 2x Each eligible purchase of $5,000 or more; not counted: 2x Eligible purchases at US electronic goods retailers and software & cloud system providers; not counted: 2x Eligible purchases at US shipping providers (effective February 17, 2027, select merchants only); points valued at 0.6¢, the program's statement credit for eligible charges value; not counted: 5x Flights booked through American Express Travel, including all flights booked on AmexTravel.com; not counted: 5x Prepaid hotels booked through American Express Travel, including Fine Hotels + Resorts and The Hotel Collection.
−$825a year
The same in the first year and after.
Rewards and credits$70
−$825 after the fee−$895 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 2x Each eligible purchase of $5,000 or more; not counted: 2x Eligible purchases at US electronic goods retailers and software & cloud system providers; not counted: 2x Eligible purchases at US shipping providers (effective February 17, 2027, select merchants only); points valued at 0.6¢, the program's statement credit for eligible charges value.
−$715a year
The same in the first year and after.
Rewards and credits$180
−$715 after the fee−$895 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 2x Each eligible purchase of $5,000 or more; not counted: 2x Eligible purchases at US electronic goods retailers and software & cloud system providers; not counted: 2x Eligible purchases at US shipping providers (effective February 17, 2027, select merchants only); points valued at 0.6¢, the program's statement credit for eligible charges value.
−$500a year
The same in the first year and after.
Rewards and credits$395
−$500 after the fee−$895 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2x Each eligible purchase of $5,000 or more; not counted: 2x Eligible purchases at US electronic goods retailers and software & cloud system providers; not counted: 2x Eligible purchases at US shipping providers (effective February 17, 2027, select merchants only); not counted: 5x Flights booked through American Express Travel, including all flights booked on AmexTravel.com; not counted: 5x Prepaid hotels booked through American Express Travel, including Fine Hotels + Resorts and The Hotel Collection; points valued at 0.6¢, the program's statement credit for eligible charges value.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Other points cards with fees over $300
- PalladiumBilt · $495 a year+$930 a year
- American Express The American Express® Gold CardAmerican Express · $325 a year+$765 a year
- Atmos Rewards Summit Visa InfiniteBank of America · $395 a year+$690 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Membership Rewards
How you earn
- 5×
- Flights booked through American Express Travel, including all flights booked on AmexTravel.comPrepaid hotels booked through American Express Travel, including Fine Hotels + Resorts and The Hotel Collection
- 2×
- Eligible purchases at US construction material and hardware suppliersEligible purchases at US electronic goods retailers and software & cloud system providersEligible purchases at US shipping providers (effective February 17, 2027, select merchants only)Each eligible purchase of $5,000 or more
- 1×
- Everything else
Points per dollar.
Benefits
- Fine Hotels + Resorts or The Hotel Collection hotel credit: $300 semiannual
- $200 Airline Fee Credit: $200 annual
- CLEAR Plus Membership credit: $219 annual
- Hilton for Business statement credit: $50 quarterly
- Global Entry or TSA PreCheck application fee credit: $120 every 4 years
All 41 benefits
- Dell Technologies statement credit: $150 annual
- ChatGPT Business statement credit: $300 annual
- Indeed statement credit: $90 quarterly
- Wireless telephone service statement credit: $10 monthly
- ZO Membership statement credit: $500 annual
- Complimentary American Express ZO Membership from Tishman Speyer (Access to ZO locations in select U.S. cities with 4 guest passes per week and 4 complimentary day passes per month at U.S. Studio locations)
- Global Entry application fee credit of $120, or TSA PreCheck application fee credit up to $85, every 4 years; Global Entry approval includes TSA PreCheck at no additional cost
- The Centurion Lounges
- 10 Delta Sky Club visits per year (February 1 to January 31) when flying an eligible Delta flight
- Priority Pass Select membership (enrollment required)
- Other select partner lounges
- Marriott Bonvoy Gold Elite Status without stay requirements (enrollment required)
- Hilton Honors Gold status (enrollment required)
- Leaders Club Sterling Status from The Leading Hotels of the World (enrollment required)
- No foreign transaction fees on purchases outside the United States
- Fine Hotels + Resorts bookings through American Express Travel: suite of benefits with average value of $550 per two-night stay (2025 bookings), including daily breakfast for two, room upgrade when available, guaranteed 4pm check-out, and $100 credit toward eligible charges
- The Hotel Collection: $100 credit toward eligible charges when booking two or more nights through AmexTravel.com (eligible charges vary by property)
- 35% points back on flights booked through Amex Travel with a selected qualifying airline using Pay with Points, up to 1,000,000 points per calendar year
- Unlimited Delta Sky Club access after $75,000 in eligible purchases in a calendar year
- Up to $1,200 in statement credits on flights booked on AmexTravel.com in the next calendar year after $250,000 in eligible purchases in a calendar year
- Up to $2,400 in statement credits on American Express One AP monthly fees in the next calendar year after $250,000 in eligible purchases in a calendar year
- $250 Adobe statement credit per calendar year after $600 or more in U.S. purchases directly with Adobe
- Up to $1,000 Dell Technologies statement credit per calendar year after $5,000 or more in Dell purchases
- Complimentary premium status with Avis, Hertz, and National car rental programs (enrollment required)
- Platinum Nights by Resy and Global Dining Access by Resy
- Amex Presale Tickets and Amex Reserved Tickets access to select events
- Premium Global Assist Hotline 24/7 coordination and assistance while traveling more than 100 miles from home
- Platinum Travel Consultants
- Rental car
- Trip delay: $500 per trip; maximum 2 claims per Eligible Card per 12 consecutive month period
- Trip cancellation: $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period
- Baggage: Up to $2,000 for checked baggage and up to $3,000 combined for checked and carry-on baggage; $3,000 aggregate limit per Covered Trip; New York State residents: $2,000 per bag and $10,000 aggregate for all Covered Persons per Covered Trip
- Cell phone: Up to $800 per claim; limit of 2 approved claims per 12-month period
- Extended warranty
- Purchase protection: Up to $10,000 per Covered Purchase, up to $50,000 per calendar year
- Emergency assistance
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · americanexpress.com “Annual Fee: $895 ¤†” |
|---|---|
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · americanexpress.com “No Foreign Transaction Fees ¤” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · americanexpress.com “Depending on when you make a purchase on your Card, you have between 25 to 53 days to pay with no interest if you have paid the prior month's statement balance and current statement balance in full by the due date” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $895 · americanexpress.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · americanexpress.com, since Oct 4, 2026