The Business Platinum Card® from American Express presents frequent vacationers a number of methods so as to add luxurious to their journey plans. From flight reductions to resort elite standing and a complete airport lounge entry benefit, the Amex Business Platinum Card delivers unparalleled journey perks which you could solely discover with a premium journey rewards card. Enrollment is required for choose advantages; phrases apply.
The card options a $695 annual payment (see charges and charges). However, the plethora of journey perks and a beneficiant welcome bonus for brand new candidates can offset this payment.
Let’s dig into considered one of my favourite advantages of the card — the Pay with Points perk — which provides me a low cost on business- and first-class flights.
Related: Is the Amex Business Platinum price the annual payment?
An overview of the Amex Business Platinum
Here are simply a few of the priceless options that accompany the Amex Business Platinum:
Enrollment is required for choose advantages; phrases apply.
Combined, these three advantages alone can greater than offset the card’s annual payment. But the perks do not cease there.
Additional journey advantages embody entry to Amex Centurion Lounges and Delta Sky Clubs (when flying on same-day Delta flights)*, resort elite standing with Hilton Honors and Marriott Bonvoy (enrollment required) and cellphone safety**.
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Right now, new cardmembers can earn 150,000 bonus factors after spending $20,000 on eligible purchases with the card inside the first three months of card membership. Plus, earn a $500 assertion credit score after spending $2,500 on qualifying flights booked immediately with airways or by American Express Travel in the first three months of card membership. You can earn one or each of those presents. Offer ends June 30.
But the one Amex Business Platinum perk I maintain close to and pricey to my coronary heart is the Pay with Points bonus.
*Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per yr to the Delta Sky Club or to Grab and Go when touring on a same-day Delta-operated flight.
**Eligibility and benefit ranges fluctuate by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
Related: Everything you want to find out about Amex Pay with Points
What is the Amex Pay with Points bonus?
Most travel-focused premium playing cards supply flight-related advantages or credit, comparable to reimbursing you for charges incurred when touring all through the yr. But the Amex Business Platinum has a distinctive airfare bonus for anybody who redeems their Membership Rewards factors to pay for qualifying flights by Amex Travel.
By using the Pay with Points operate to pay for airfare by Amex Travel, Membership Rewards factors are price 1 cent apiece. On the face of it, that is not too thrilling; TPG’s May 2025 valuations place Membership Rewards factors at 2 cents apiece when using Amex’s many airline and resort switch companions.
However, the Amex Business Platinum card presents a distinctive perk: you will get 35% of your factors again on first- or business-class tickets on any airline or an financial system ticket on one airline of your alternative.
When utilizing this benefit, you may rise up to 1 million factors again every calendar yr, that means you would wish to make use of 2,857,143 factors to pay for flights with Amex Travel earlier than exhausting this benefit in a yr.
You also can use the Pay with Points function towards purchases in your card, present card purchases and automotive rental and resort bookings by Amex Travel, however you’ll be redeeming factors at lower than 1 cent every, properly under the 2 cents apiece that TPG values Membership Rewards factors, so utilizing it towards airfare is a higher proposition.
These Amex playing cards for small companies that supply a Pay with Points bonus, providing from 35% to 50% of your Membership Rewards factors again if you pay with factors (phrases apply):
The info for the Amex Centurion Business card has been collected independently by The Points Guy. The card particulars on this web page haven’t been reviewed or supplied by the card issuer.
How does the Pay with Points bonus work?
For the Pay with Points bonus, cardmembers will obtain a 35% bonus of the whole factors used when paying for any flight on their chosen provider, or any business- or first-class flights booked by the Amex Travel portal — no matter airline — as much as 1 million factors again per calendar yr.
Note that you have to choose the similar airline on your 35% bonus and for the airline payment assertion credit score (as much as $200 every calendar yr; enrollment required).
Assuming you could have the Amex Business Platinum and redeem your factors for eligible flights, you must obtain the factors bonus robotically. However, it may take as much as a month.
As you may see from my screenshots, it took about a month to obtain my 35% factors bonus from a business-class flight I booked with Delta Air Lines utilizing the Pay with Points choice, flying from New York’s John F. Kennedy International Airport (JFK) to Harry Reid International Airport (LAS) in Las Vegas.
With my unique redemption, I spent 59,391 factors for a $594 airfare, however that received slashed all the way down to 38,604 factors due to the 35% Pay with Points bonus on my Business Platinum Card.
Related: 9 issues to do if you get the Amex Business Platinum Card
How to maximise the Pay with Points bonus
Amex Travel presents a number of methods to avoid wasting on bookings, together with “Insider Fares” and discounted “Recommended Fares.” For worldwide journey on sure airways, you could possibly knock the worth down much more when reserving by the American Express International Airline Program (IAP).
When evaluating your choices for reserving immediately with the airline or reserving by Amex Travel, you may discover fares are typically equal. However, due to American Express Insider Fares and the International Airline Program, vacationers can get even higher reductions when reserving their flights with Membership Rewards factors.
Here’s tips on how to stack these reductions together with the Pay with Points bonus to get much more worth from carrying the Amex Business Platinum.
Stacking reductions and bonuses
This round-trip Iberia flight in enterprise class prices $3,791 by way of Google Flights, which is the worth you’d pay for those who booked immediately with Iberia.
The International Airline Program by Amex Travel reveals the similar base fare, but it surely’s discounted by $200. And as an alternative of 379,068 Membership Rewards factors, you’d want 359,068 at the customary 1-cent-per-point charge when making your fee.
However, if you stack the Amex Business Platinum’s 35% factors bonus on top of that, you may get 125,674 factors again. Your out-of-pocket price is 233,395 factors, which you redeemed at a worth of 1.54 cents per level.
Earning miles and elite standing
Aside from the great factors financial savings which might be attainable by stacking the advantages talked about above, the different vital benefit to reserving flights this manner is that airways deal with these tickets like money bookings. Instead of needing to seek for award availability and keep away from blackout or peak dates, you may merely e-book any out there ticket.
Moreover, since the flights are thought-about paid tickets, you must earn award miles and elite-qualifying metrics identical to you’ll for those who’d paid money on to the airline.
Bottom line
The Business Platinum Card from American Express presents a number of nice advantages, however the Pay with Points 35% bonus will be considered one of the most important for those who regularly fly in premium cabins. Not solely can it prevent a whole bunch of 1000’s of factors per yr, relying on the way you e-book, however you may stack it with different reductions supplied by Amex Travel.
This is a win-win in my e-book. It’s my favourite card perk and is considered one of the many causes I hold my Business Platinum Card yr after yr.
To study extra, try our full evaluation of the Amex Business Platinum.
Apply right here: The Business Platinum Card from American Express
Related: 7 causes you may want the Amex Business Platinum Card as an alternative of the Amex Platinum Card
For charges and charges of the Amex Business Platinum card, click on right here.
