American Express · card facts

American Express Business Platinum

Excellent lounge breadth, but high spend requirement and coupon-style credits.

WELCOME BONUS150k pointsSpend $20,000

ANNUAL FEE$895First year: $895

CREDITSHard$1,200/yr advertised

LOUNGE ACCESSAmex Global Lounge CollectionCenturion guests normally paid unless threshold met

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$4,277

Welcome bonus · TPG est.+$3,000

Full advertised annual credits+$1,200

Rewards on $36,000 benchmark spend+$972

First-year annual fee−$895

Keep / year · best case credits

+$1,277

Definitely keep

This recurring estimate uses the full advertised credit amount. The Hard label tells you how realistic it may be to capture all $1,200 of those credits.

Advertised credits$1,200

Credit difficultyHard

TPG Aug. 2026 value2.00¢

Annual fee$895

Fee minus advertised credits+$305 credit surplus

Credit details

$1,200 advertised per year · Hard to use fully

Card creditsVaries · Varies difficulty

$1,200 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

Amex Global Lounge Collection

Centurion, Priority Pass and selected airline/partner lounges.

Guest ruleCenturion guests normally paid unless threshold met

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Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.