The Enterprise Platinum Card® from American Specific Evaluation

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been superb and elevated each my journey and my enterprise. Others have been…effectively, lackluster.

Among the finest? The Enterprise Platinum Card® from American Specific. It comes with lots of world-class perks and advantages, high quality buyer care, and a stable rewards construction (particularly on massive purchases).

Whereas the annual price is fairly excessive ($695, pay over time accessible. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard price carrying. I believe it’s an excellent alternative for enterprise house owners who journey often.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Specific?

The Enterprise Platinum Card® from American Specific is a journey rewards card geared in the direction of enterprise house owners. (Keep in mind: even facet hustles and freelancing rely as companies so you will get this card even with out being an LLC.) First, let’s go over among the greatest stuff you get while you enroll, which make it a no brainer to get for the primary 12 months:

• Restricted Time Supply: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked instantly with airways or by way of American Specific Journey together with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You may earn one or each of those affords. Supply ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go resorts, and short-term leases and pay as you go flight + lodge packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US development materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and delivery suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar 12 months. Purchases eligible for a number of further level bonuses will solely obtain the very best eligible bonus.
• Complimentary entry to the American Specific World Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 international locations. Entry is proscribed to eligible Card Members.
• As much as $120 in assertion credit for World Entry or TSA Pre-check each 4 years.
• As much as $199 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar 12 months for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar 12 months while you make an eligible buy at Hilton properties. (Distributed in as much as $50 increments per quarter. Hilton for Enterprise program membership is required.)
• $150 credit score with Adobe on eligible annual pay as you go marketing strategy purchases of Adobe Inventive Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card by way of 6/30/25.
• As much as $120 per calendar 12 months in assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 again per thirty days).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No international transaction charges

Utilizing Your Membership Rewards Factors

You’ll earn Membership Rewards factors with The Enterprise Platinum Card® from American Specific. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are among the most dear factors on the market.

These are Amex’s present journey companions:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Membership (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Membership (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Selection Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Visitor (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Membership (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Membership (1:1 ratio)

Most transfers are instantaneous, although some can take as much as 48 hours.

You may as well use your Membership Rewards factors to ebook flights and resorts within the Amex Journey portal. I usually wouldn’t do that although because it’s not the very best use of your factors. It’s all the time higher to switch them out to certainly one of their companions. Nevertheless, you will get 35% factors again while you do ebook by way of their portal so simply examine the factors prices between each earlier than making a call.

Breaking Down the Enterprise Platinum’s Credit and Advantages

Amex playing cards are well-known for his or her plethora of perks and advantages. They’re a giant cause I really like their playing cards. And, for those who can reap the benefits of all that it has to supply, the Enterprise Platinum boasts over $1,700 price of worth. However, with so many classes and a lot positive print, it may be onerous to maintain observe of whether or not a profit is definitely helpful to your spending habits. So, that can assist you determine if the cardboard is best for you, I need to break down among the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, World Entry/TSA PreCheck)
Among the finest issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into among the prime lounges worldwide, together with the wonderful Centurion Lounges and Delta Sky Golf equipment (while you’re flying Delta, with as much as 10 visits per 12 months).

On prime of that, you’ll get complimentary entry to the massive Precedence Go community. If having a quiet house to loosen up, seize a drink, or get some work finished is a precedence while you journey, this card has you lined just about wherever.

I additionally admire that the Enterprise Platinum helps you get by way of the airport quicker. It affords as much as $199 in assertion credit every year for a CLEAR® Plus membership, which speeds you thru safety traces.

You’ll additionally get a credit score for World Entry (as much as $100 each 4 years) or TSA PreCheck (as much as $85 each 4.5 years), relying on which one you select. I personally suggest going for World Entry. It takes somewhat extra effort (there’s an interview), nevertheless it contains TSA PreCheck too. It’ll prevent a ton of time for those who journey internationally.

Airline and Resort Credit
One other travel-related profit is the as much as $200 airline credit score. Sadly, it comes with a good variety of restrictions, making this credit score a bit extra annoying to make use of. It could solely be used on one (pre-selected) airline, and you may solely use it for incidentals, not airfare. However for those who don’t have an airline bank card that provides free baggage, it may be helpful to have. You may as well use the credit score for airline bills like paid seat choice or on-board foods and drinks.

The Enterprise Platinum additionally affords a couple of Hilton-related advantages. First, you possibly can obtain as much as $200 in assertion credit at Hilton properties when booked instantly. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property not less than 4 instances a 12 months to get the total worth of this credit score. However for those who’re on the highway rather a lot, that may be straightforward to do.

Second, the Enterprise Platinum affords complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which provide additional perks and advantages when staying at these properties.

Enterprise-Associated Assertion Credit
The Enterprise Platinum card comes with some nice perks to assist lighten the monetary load of working a enterprise. Bills can actually add up for those who’re managing a enterprise whereas touring, so I admire that the Enterprise Platinum helps offset these prices.

You may stand up to $400 in assertion credit on U.S. Dell purchases (by way of June 30, 2025, break up into $200 chunks each six months). There’s additionally as much as $360 again per 12 months on Certainly adverts (as much as $90 every quarter), which is nice for those who’re hiring as your corporation grows.

If you happen to use Adobe instruments, there’s a $150 credit score accessible while you prepay yearly for eligible Adobe Inventive Cloud or Acrobat Professional plans for groups. And to maintain you related on the go, you’ll stand up to $120 a 12 months for purchases made instantly with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Affords
On prime of all these precious assertion credit, the Enterprise Platinum provides you entry to Amex Affords, a simple method to avoid wasting money or rack up additional factors with a variety of outlets. These offers rotate often and are personalised, so what exhibits up for you is perhaps completely totally different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I all the time examine Amex Affords earlier than I buy. (The private card affords this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless suggest shopping for a standalone coverage for medical, this card contains sturdy built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally contains cellular phone safety for harm or theft, a uncommon however precious perk. For a most of $800 per declare, with a restrict of two accredited claims per 12-month interval, when your cellular phone line is listed on a wi-fi invoice and the prior month’s wi-fi invoice was paid by an Eligible Card Account. A $50 deductible will apply to every accredited declare.

So, when you might get away with the cardboard’s insurance coverage for those who ebook the journey on the cardboard, I wouldn’t depend on it utterly. However it’s higher than most!

Do you have to get this card?

The Enterprise Platinum is good for frequent vacationers who can benefit from perks like smoother airport experiences and lodge elite standing. If you happen to can reap the benefits of a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual price price it. I get lots of worth from the cardboard by way of the assertion credit that make carrying the cardboard after the primary 12 months actually price it.

Whereas it’s true you solely get 1x level per greenback spent on something below $5,000 (which isn’t nearly as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex affords, and companions you don’t discover wherever else make this card important for any enterprise proprietor.

Click on right here to be taught extra and enroll!