Business Platinum Card® from American Express

Flytrippers opinion: The highest current offer and the best overall card for serious travelers, with unlimited airport lounge access.
Flytrippers Valuation
of Welcome bonus (net value)

via Amex secure application link
≈ $ 1002

Rewards: ≈ $1801

Card fee: $799

Card eligibility
no minimum income

Welcome bonus eligibility
must not have had
this specific card
ever before
Amex Membership Rewards (more lucrative)
Bonus: 80k pts (OR 40k pts with full bonus)
Earn on min. spend: 18.75k pts (total: 98.75k pts)

• ≈ $2074 to UNLIMITED for premium flights
• ≈ $1481 to ≈ $2074 for specific economy flights
• ≈ $1481 to $1975 for flights (table)
• $988 for any travel expense
How to unlock bonus
spend $15000
in 3 months

Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

Summary of Flytrippers' review


  • Excellent welcome bonus of ≈ $1002
  • Unlimited airport lounge access for you + 1 guest
  • Flexibility of hybrid rewards
  • Excellent insurance coverage

It’s really a great card for serious travelers.


  • Those who want a lot of Amex points
  • Those who already have had the Amex Platinum Card and want lounge access
  • Those who can reach a minimum spend of $15,000 in 3 months (highest ever seen in Canada)
If you check one of these boxes, it’s a card for you.

Card details

Welcome bonus structure (2 separate bonuses)

80,000 points Bonus after spending $15,000 (in a maximum of 3 months)
*40,000 points Bonus after making a purchase between 14 and 17 months of Cardmembership (not included in our Flytrippers Valuation)

80,000 points Total with the main part of the bonus
*120,000 points Total with the entire bonus

Earn on the minimum spending requirement

18,750 points Minimum earn on the minimum spending requirement of $15,000 (at base earn rate of 1.25 pts/$)

Total rewards by unlocking the welcome bonus

98,750 points Main part of the welcome bonus + earn on the minimum spending requirement to unlock it
*138,750 points Entire welcome bonus + earn on the minimum spending requirement to unlock it

Apply for the Business Platinum Card® from American Express

Value of the welcome bonus offer
(at our Flytrippers Valuation of ≈ 1.5¢/pt)

≈ $1200 Welcome bonus (80,000 pts)
≈ $281 Earn on the required spending (18,750 pts)
$200 Travel credit that can be cashed out (fixed value)
$120 Wireless credit ($10 per month)
–$799 Card fee (deducted from Flytrippers Valuation)

≈ $1002 Total net value by unlocking the welcome bonus alone

(6.7% back on the minimum spending requirement of $15,000 in 3 months)

Learn more our Flytrippers Valuation of welcome bonuses

Rewards from welcome bonus

You will have 98,750 Amex points after unlocking the Welcome Bonus.

That gives you either:

  • ≈ $1481 in rewards at the Flytrippers Valuation
  • $988 in rewards at the simpler minimum fixed value

Concrete examples of redemptions

Here are some of the actual redemptions you can get with these rewards:

17 one-way short-distance reward flights such as Toronto-New York or Montreal-Washington

10 one-way medium-distance reward flights such as Toronto-Miami or Montreal-Nashville

8 one-way longer distance reward flights such as Toronto-Costa Rica or Montreal-Mexico

2 one-way business class reward flights such as Vancouver-Japan or Toronto-Switzerland

12.5 one-way short-distance reward flights in several regions of the world

20 completely free nights in beautiful hotels in specific destinations like Bali

$1700 discount on specific flights that are very expensive in cash

$988 as a simple travel credit that can be applied to any travel expense or even any expense

Learn more about the best uses of Amex points

Earn rate (at Flytrippers Valuation)

1.25 points per $ (≈ 1.875%) on everything

‣Learn more about credit card earn rates (coming soon)

Earning with additional cards

Fee for additional cards: $250 with travel benefits like lounge access / $0 without travel benefits
Quantity allowed: 99
Minimum age: 13

‣Learn more about additional cards (coming soon)

American Express Lounge Collection
You get unlimited access to over 1,400 airport lounges around the world, for you and 1 guest. All Priority Pass lounges, Plaza Premium lounges, Centurion Lounges, and a few others.

Learn more about the American Express Lounge Collection

$200 annual travel credit
The credit can be applied to any booking made with Amex Travel (flights, hotels, cars) or can even be cashed out with a pro tip.

‣Learn more about the Amex Platinum annual travel credit (coming soon)

$120 annual wireless credit
The wireless credit gives you $10 off a wireless bill every month.

‣Learn more about the Amex Platinum annual wireless credit (coming soon)

$100 NEXUS credit
A credit will appear if you charge a NEXUS fee to your card — and you should really have NEXUS if you don’t already.

‣Learn more about the Amex NEXUS credit (coming soon)

Hotel elite status benefits
You get Gold Elite status with Marriott Bonvoy (8000+ hotels) and Hilton Honors (6000+ hotels).

Learn more about the Marriott Elite status benefits (Hilton coming soon)

Car rental elite status benefits
You get elite status with Hertz and Avis.

‣Learn more about the Amex Platinum car rental status benefits (coming soon)

The Fine Hotels + Resorts program
Amazing benefits at very luxurious and expensive hotels, exclusively for Platinum Cardmembers. The average value of the benefits is $600 per stay.

‣Learn more about the Fine Hotels + Resorts program (coming soon)

The Hotel Collection program
Benefits at top luxury hotels, such as a US$100 credit to use at the hotel and a free room upgrade.

‣Learn more about The Hotel Collection program (coming soon)

24/7 concierge service
You have access to a concierge service that can make restaurant reservations, organize deliveries for flowers or other things, and complete various research tasks for you.

‣Learn more about the Amex Platinum concierge service (coming soon)

Amex Offers program
Access to discounts, credits, and special offers throughout the year. This card comes with better offers than all others, valued at over $500 depending on your buying habits (for example, with Dell and Indeed).

Learn more about the Amex Offers program

American Express Experiences program
Access to exclusive virtual and in-person experiences and pre-sale tickets to lots of events.

‣Learn more about the American Express Experiences program (coming soon)

Exclusive Platinum events
Similar, but with many additional events that are exclusive to Platinum Cardmembers. I love going to the free Amex Platinum lounge on the beach during Art Basel in Miami every year.

‣Learn more about the American Express Experiences program (coming soon)

Metal card weighing 18 grams
The luxurious and heavy card is internationally recognized as a status symbol, if you care about those kinds of things.

‣Learn more about the Amex Platinum design (coming soon)

Insurance included

Medical travel insurance (15 days)
Flight delay insurance ($1,000, 4h minimum)
Rental car insurance
Baggage & personal effects insurance
Trip cancelation insurance
Trip interruption insurance
Travel accident insurance
Hotel burglary insurance
Purchase insurance

‣Learn more about the Business Platinum Card® from American Express insurance coverage (coming soon)

Insurance not included

Mobile device insurance

‣Learn more about the different types of insurance coverage (coming soon)

American Express points can be used for specific flights to maximize their value (via transfers to partner programs or via the Amex flight chart) or for hotel nights (via transfers to partner programs). But they can also be used as a simple travel credit (which can be applied to any travel expense).

Learn more about the American Express rewards program (coming soon)

Amex points are hybrid rewards: They can be used as fixed-value rewards (fixed value of 1¢) or variable-value rewards (value depending on how you use them; our Flytrippers Valuation is ≈ 1.5¢).

Learn more about American Express points (coming soon)

Amex points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.

Learn more about American Express points expiry (coming soon)

If you have travel companions, it’s possible to pool Amex points via transfer partners.

Learn more about pooling American Express points (coming soon)

American Express points can be transferred to multiple partner programs and this often provides the best value.

Learn more about American Express point transfers (coming soon)

Other redemption options
American Express points can be used for rewards other than travel but this should be avoided.

Learn more about why you should always use your rewards for travel (coming soon)

Rewards program logistics
You can use your points directly on the American Express website or app.

Learn more about how to get started with American Express rewards (coming soon)

Rewards program summary
Rewards: American Express points
Type: Hybrid rewards
Subtype (fixed value): “Eraser” rewards
Subtype (variable value): “Standard” or “Dynamic” Rewards (depending on the transfer partner)
Variety: Bank rewards 
Flytrippers Valuation: ≈ 1.5¢ per point
Minimum value: 1¢ per point
Maximum value: Unlimited
Transferable: Yes (8 partners)

Learn more about rewards programs basics (coming soon)

Card eligibility
Minimum personal/household income: $0
Business required: No (details)
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: TransUnion

Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
You must not have had the Business Platinum Card® from American Express before

Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
Offer subject to change at any time

Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details
Issuer: American Express
Network: American Express
Card Type: Card with no pre-set spending limit
Product Type: Business card

‣Learn more about credit card types (coming soon)

Fees and rates
Card fee: $799/year
Fee for additional card (with benefits): $250
Fee for additional card (without benefits): $0 
FX fee: 2.5%
Purchases annual interest rate: N/A
Purchases annual interest (penalty): 21.99% – 28.99% on Flexible Payment Option limit and 30% on Due In Full balance
Funds advance annual interest rate: N/A
Balance transfer fee: N/A

Learn more about why Flytrippers recommends ignoring fees and rates (coming soon)

  • Redefine what you’ll experience and discover with Platinum
  • Earn up to 120,000 bonus Membership Rewards® points
  • Earn 80,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership.
  • Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership.
  • That’s up to $1,200 in statement credit that can be reinvested in your business
  • Earn points that you can redeem in a variety of ways.
  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses 
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
  • Bolster your business with up to $820 in annual business and travel statement credits
  • Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and Indeed.
  • Enroll and earn up to $120 in eligible Wireless Credits each year.
  • Access a $200 Annual Travel Credit each year of your Cardmembership
  • Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business – anytime and anywhere
  • Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option.
  • This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full Charge. This rate is effective from the day the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
  • Extend payment solutions with Supplementary Cards for your employees.
  • Enjoy special benefits for you and your business.
  • Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
  • Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
  • Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
  • Enjoy complimentary benefits that offer an average total value of $600 USD* at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
  • Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
  • Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
  • Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership
  • Access comprehensive insurance coverage for your travel needs.
  • Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
  • Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum Card.
  • Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Platinum Card.
  • Save money when travelling with complimentary Car Rental Theft and Damage Insurance
  • Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Platinum Card
  • Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
  • Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan
  • Equip your business with Mobile Device Insurance
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via Amex secure application

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

Terms and conditions apply.

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The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

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All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

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