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American Express Platinum Card for Business Travel

About.com Rating 4.5 Star Rating
User Rating 2 Star Rating (15 Reviews)


The Bottom Line

The Amex Platinum card has a hefty annual fee and does not allow carryover of balances (even business expenses). However, for the frequent traveler, the Platinum Card will more than pay for itself in free companion tickets, airport lounge access, travel protection and other perks.


  • Complimentary access to participating airport lounges
  • Concierge service
  • Premium travel assistance
  • Manage account online or from mobile phone
  • Excellent rewards program


  • Expensive - $450 annual fee
  • $175 annual fee for additional cards
  • Can't carry over balances


  • Credit card with accompanying rewards program that lets you earn points for dollars spent.
  • No pre-set spending limit.
  • Membership fee of $450; $175 for additional cards

Guide Review - American Express Platinum Card for Business Travel

Signing Up: From the American Express website, applying for a card is simple - but getting one will require a solid credit history. Once accepted into the program, your first statement will include the $450 annual fee (plus $175 for each additional card requested).

For the business traveler, the Platinum Card offers numerous benefits (some exclusive), including:

  • Free access to numerous airport lounges, including those operated by American Airlines, Continental, Delta and NWA.
  • Ability to manage your account online, with downloading options for tracking business expenses. Additional customized statement tagging available to separate business from non-business expenses, making expense reports a cinch.
  • Access to 24 hour/day concierge service when you need help (dining reservations, flight changes, etc.) on the road.
  • Four times each calendar year, members can use free companion tickets for travel.
  • Free travel protection
Rewards Program: Platinum Card holders are automatically part of the American Express Rewards program, with its own additional benefits.

The one downside to the Platinum Card (in addition to the high fees) is that balances cannot be carried over. For those who have to turn in expense reports to get reimbursed, you may find yourself fronting hefty charges each month while you wait for expense reports to clear.

Any shortcomings of the card, however, will be more than made up for in free companion tickets, airport lounge access, travel protection and other perks, particularly if someone else is picking up your annual fee.

User Reviews

Reviews for this section have been closed.

 2 out of 5
Amex Plat..is only for the rich and business men!!, Member jellz66

DoNot apply for this card! Even though this card has many advantages that most credit cards don't, I will never ever recommend this card to anyone. Unless you are rich or a business-man, a $450 annual fee is outrageous!! Especially to have to pay off in one shot! I wish I would have looked up reviews about this card before getting it! Sheesh!! Needless to say, I WILL be canceling this card by this time next year before they have a chance to charge me $450 again!!

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