American Express
The American Express Business Platinum packs $7,109 in annual benefits into a $895/year card. That is a lot to keep track of. Most holders miss hundreds in value every year simply because they lose track of what resets when.
$895
Annual Fee
$7,109
Total Benefit Value
+$6,214
Net Value
| Benefit | Value |
|---|---|
|
Hotel Credit Up to $300 in statement credits semi-annually for prepaid Fine Hotels + Resorts or The Hotel Collection bookings made through American Express Travel. The Hotel Collection requires a minimum two-night stay. |
$600 |
|
Dell Technologies Credit Up to $150 back in statement credits annually on U.S. purchases directly with Dell Technologies, plus an additional $1,000 statement credit after spending $5,000 or more on those purchases per calendar year. |
$1150 |
|
Indeed Credit Up to $90 in statement credits per quarter for U.S. purchases made directly with Indeed. |
$360 |
|
Adobe Credit A $250 statement credit after spending $600 or more on U.S. purchases directly with Adobe per calendar year. |
$250 |
|
ChatGPT Business Subscription Credit Up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions. |
$300 |
|
Airline Fee Credit Up to $200 in statement credits per calendar year for incidental fees charged by your one selected qualifying airline. |
$200 |
|
Hilton for Business Credit Up to $50 quarterly statement credits on eligible purchases made directly with Hilton. Enrollment in Hilton for Business required. |
$200 |
|
Wireless Telephone Credit Up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. |
$120 |
|
CLEAR Plus Membership Credit Up to $209 per calendar year in statement credits for an auto-renewing CLEAR Plus Membership. |
$209 |
|
Global Entry or TSA PreCheck Credit Receive a statement credit for a Global Entry application fee (up to $120) every 4 years or a TSA PreCheck application fee (up to $85) every 4.5 years. |
$120 |
|
American Express Travel Online Flight Statement Credit Unlock up to $1,200 in statement credits for flights booked online at American ExpressTravel.com for the following year after spending $250,000 on eligible purchases on your card in a calendar year. |
$1200 |
|
American Express One AP Statement Credit Unlock up to $2,400 in statement credits for American Express One AP monthly fees for the following year after spending $250,000 on eligible purchases on your card in a calendar year. |
$2400 |
|
Global Lounge Collection Access Complimentary access to over 1,400 airport lounges worldwide, including The Centurion Lounge, Delta Sky Club (when flying Delta), and Priority Pass Select lounges. |
Included |
|
35% Airline Bonus Get 35% of your points back when using Pay with Points for all or part of an eligible flight booked on American Express Travel, up to 1,000,000 points back per calendar year. |
Included |
|
Hilton Honors Gold Status Complimentary Hilton Honors Gold Elite Status. Enrollment required. |
Included |
|
Marriott Bonvoy Gold Elite Status Complimentary Marriott Bonvoy Gold Elite Status. Enrollment required. |
Included |
|
Leading Hotels of the World (LHW) Sterling Status Complimentary Sterling Status in the Leaders Club program. Enrollment required. |
Included |
|
Fine Hotels + Resorts & The Hotel Collection Perks Access to exclusive benefits like daily breakfast for two, room upgrades upon arrival (when available), and guaranteed 4pm late checkout on eligible prepaid FHR bookings. |
Included |
|
Global Dining Access by Resy Exclusive reservations and dining perks at sought-after restaurants when you add your card to your Resy profile. |
Included |
|
Cell Phone Protection Reimbursement up to $800 per claim for repair or replacement of a damaged or stolen cell phone. Limit 2 approved claims per 12-month period. Subject to a $50 deductible. Requires paying the previous month's wireless bill with the card. |
Included |
|
Trip Cancellation and Interruption Insurance Reimbursement up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period for non-refundable travel expenses if a trip is canceled or interrupted for a covered reason. |
Included |
|
Trip Delay Insurance Reimbursement up to $500 per trip for necessary expenses like meals, lodging, and personal use items if your round-trip is delayed by more than 6 hours for a covered reason. |
Included |
|
Purchase Protection Protects covered purchases against accidental damage, theft, or loss for up to 90 days from the purchase date. Coverage limit up to $10,000 per occurrence and $50,000 per calendar year. |
Included |
|
Return Protection Reimburses eligible purchases up to $300 per item and up to $1,000 per calendar year if you attempt to return them within 90 days of purchase and the merchant will not accept them back. |
Included |
|
Extended Warranty Extends the terms of original manufacturer's warranties of 5 years or less by up to 1 additional year on eligible purchases. Coverage up to $10,000 per item and $50,000 per calendar year. |
Included |
|
Baggage Insurance Plan Provides coverage for lost, damaged, or stolen baggage during transit. Up to $3,000 for carry-on baggage and up to $2,000 for checked baggage. |
Included |
|
Car Rental Loss and Damage Insurance Secondary coverage against damage to or theft of an eligible rental vehicle when you decline the rental company's collision damage waiver. |
Included |
$7,109
Total benefits
- $895
Annual fee
= +$6,214
Net value
Yes. The American Express Business Platinum offers $7,109 in total benefits against a $895 annual fee, leaving you $6,214 ahead. The key is actually tracking and using those benefits before they reset. That is exactly what Prky helps with.
Prky tracks every American Express Business Platinum benefit, sends reset alerts, and shows your real ROI. No card numbers needed.
Track These Benefits FreeThe annual fee for the American Express Business Platinum is $895 per year. The card offers approximately $7,109 in total annual benefits across 27 perks and credits. Top credits include the $2400 American Express One AP Statement Credit, the $1200 American Express Travel Online Flight Statement Credit, the $1150 Dell Technologies Credit.
The American Express Business Platinum offers 27 benefits worth approximately $7,109 per year. Key benefits include American Express One AP Statement Credit ($2400), American Express Travel Online Flight Statement Credit ($1200), Dell Technologies Credit ($1150). The card also includes 8 insurance benefits for added protection.
If you use a majority of the available credits, the American Express Business Platinum more than pays for itself. The total benefit value is $7,109 against the $895 fee, leaving you $6,214 ahead.
The American Express Business Platinum has benefits that reset on different schedules: Semi-Annually, Annually, Quarterly, Monthly, Per Incident. 1 benefit reset monthly, so missing even one month means lost value. Prky tracks all reset dates and sends alerts before credits expire.
Yes, the American Express Business Platinum includes 8 insurance benefits: Cell Phone Protection, Trip Cancellation and Interruption Insurance, Trip Delay Insurance, Purchase Protection, Return Protection, Extended Warranty, Baggage Insurance Plan, Car Rental Loss and Damage Insurance. These protections are included at no extra cost as part of your cardmember benefits and can save you hundreds on separate insurance policies.
Prky tracks all 27 American Express Business Platinum benefits automatically, including American Express One AP Statement Credit and American Express Travel Online Flight Statement Credit. The dashboard shows dollar values, usage status, and upcoming reset dates for each benefit. Benefits reset on semi-annually, annually, quarterly, monthly, other, per incident schedules. You get email alerts before credits expire so nothing goes to waste.
Whether you carry the American Express Business Platinum or five other premium cards, Prky makes sure you use every benefit you are paying for.
Start Tracking FreeNo card numbers. No bank login. Takes 30 seconds.