American Express · American Express · Amex Membership Rewards
Reviewed 2026-07-06 · By The Points Standard editorial team
Amex Business Platinum Card
The business-side twin of the personal Platinum: same exceptional lounge network and transfer flexibility, justified only by real travel volume.
Standard Score breakdown — Excellent
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 7.72/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $799 |
| Welcome bonus | Up to 150,000 MR points (75,000 on $25K/3 mo + 75,000 on $75K/12 mo) |
| Est. bonus value | ≈ $3,000 |
| First-year net value | ≈ $2,100 |
Earn rates
| Shipping, advertising, and gas | 2x |
| Everything else | 1x |
Why it earns its score
- Unlimited Priority Pass and Amex Centurion lounge access for cardholder and employee cards
- Front of the Line access and hotel elite status through Amex programs
- MR points transfer to Aeroplan 1:1, same currency as the personal Platinum
Where it loses points
- $799 fee requires real business travel volume to justify
- 2x categories are narrower than typical business spend patterns
Who it's for
Business owners who travel frequently and want the same lounge network and MR flexibility as the personal Platinum, sized for a business.
Who should skip it
Your business doesn't generate meaningful travel — the personal Amex Platinum covers occasional trips for a lower combined cost.
Included insurance
Comprehensive travel medical · Trip cancellation/interruption · Flight and baggage delay · Rental car coverage
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.