Does Your Biz Spend $6,000+ a Month? Get 95,000 Points, $700+ in Credits, Lounge Access, Elite Status…

Who’s never had the small business version of the Amex Platinum Card? *raises hand*

This card doesn’t count against your Chase 5/24 status. But I didn’t include it on my list of 6 best cards if you’re over 5/24 because:

It will only appeal to a small segment of people
The minimum spending requirement to earn the welcome offer is $20,000 (!) in the first 3 months of account opening

But there are several huge reasons to get this card, namely 75,000 Amex Membership Rewards points as a welcome bonus. Plus it comes with a long list of benefits – like $200 in airline credits, 5x points on flights, and 35% points rebate on an airline of your coach (for coach flights, and any airline for Business or First Class).

You can learn more about the card here.

I always make sure to eat full meals and enjoy a couple free cocktails at Amex Centurion Lounges

The annual fee is NOT waived the 1st year. But man, if you make good use of the lounge access and annual statement credits… it’s a total GOAT.

Amex Platinum business 75K card offer

Link: Amex Platinum small business card – learn more here





The Business Platinum® Card from American ExpressEarn up to 75,000 Amex Membership Rewards points







• $595 annual fee• Earn 50,000 points after you spend $10,000 within your first 3 months of Card Membership

• Earn an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership




• Get 35% of your redeemed points back from an airline of your choosing, and any First of Business Class flights you redeem points for

• $200 annual airline incidental credit

• 5X points on flights and travel booked through Amex

• Access to the fantastic Centurion Lounges, Delta SkyClubs, and Priority Pass network



•  Learn more here

Elephant in the room comes first. You get so much with this card. But to unlock the full welcome bonus, you need to spend $20,000 on purchases within the first 3 months of account opening. It breaks down to:

Earn 50,000 Amex Membership Rewards points after you spend $10,000 AND
Earn an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership

I like having a lil stash of Amex points

While the spending requirement sounds huge, it breaks down to ~$6,667 per month to earn the full 75,000 Amex Membership Rewards points. Plus, you’ll end up with at least 95,000 points when you factor in the spending (and more if you spend in bonus categories).

Amex has some valuable airline transfer partners (I’ve highlighted my faves)

Link: Amex Membership Rewards transfer partners

When you transfer your points to partners, you can get with the current bonus:

Business Class flights to Europe, Asia, South Africa, or New Zealand (depends on how far and where)
Dozens of short-haul flights around the world – 15, to be exact @ 6,000 British Airways Avios points for flights under 651 miles outside the US
2 round-trip coach flights to Hawaii on United via Singapore Airlines (at 35,000 Singapore miles each)
Round-the-world in Business Class via ANA

I love using points to fly for free in metal tubes

Any of them could be worth $1,000s of dollars on their own, which already makes it worth paying the annual fee the 1st year.

So. Many. Bennies.

I’ll do a cross-section. This card comes with:

$200 in airline fee credits per calendar year (so you can get it in 2019 and again in 2020 – $400 total)
10 Gogo passes to use in-flight per calendar year (10 in 2019 and 10 in 2020 – worth $320 total)

The credits are useful if you’ll, well, use them

That’s $700+ in credits right there – without counting the Global Entry credit for $100, which would add even more if you need/want to use it.

Of course, these credits are only valuable if you’ll use them! I used my airline credits for $400 in Southwest gift cards.

All fun extras to have.

You also get:

Access to unlimited Boingo Wireless
Gold elite status with Hilton and Marriott
Access to Fine Hotels & Resorts

Plus, you can access Amex Centurion Lounges. I go to the one at DFW all the time (the best one!). For me, this alone is easily worth the price of admission. Not only that, but you can use the card to enter Delta SkyClubs and Priority Pass lounges.

I knowwww… every premium card comes with a Priority Pass these days. But the Centurion Lounges are really a special treat – and you can only access them with an Amex Platinum (or Black