The Enterprise Platinum Card® from American Categorical at present options the best welcome bonus it is ever supplied publicly: Earn 200,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership.
These factors are price $4,000, per TPG’s October 2025 valuations, which supply a compelling cause to contemplate making use of.
However earlier than you begin filling out your software, you may marvel should you’re even eligible to make the most of this provide. This can be a small-business card, so there are completely different necessities than if you apply for a private card.
Nevertheless, you may qualify for the Amex Enterprise Platinum Card and that improbable welcome provide with out even realizing it.
Listed below are among the methods to find out should you’re eligible to use for the Amex Enterprise Platinum card and whether or not it is smart to take action.
Amex Enterprise Platinum Card particulars
As a fast reminder, listed here are the present provide particulars and a roundup of the cardboard’s key perks:
Present welcome provide
New Amex Business Platinum cardmembers can earn 200,000 bonus points after spending $20,000 on eligible purchases within the first three months of card membership.
This is the highest welcome bonus we’ve ever seen publicly offered on this card.
Annual fee
The Amex Business Platinum card comes with a $895 annual fee (see rates and fees). While this fee is large, it is possible to offset this cost by maximizing the statement credits and benefits that come with the card.
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Earning
The Amex Business Platinum earns points at the following rates:
- 5 points per dollar spent on flights and prepaid hotels booked on amextravel.com
- 2 points per dollar spent on eligible purchases at U.S. construction material and hardware suppliers, U.S. electronic goods retailers, U.S. software and cloud system providers and U.S. shipping providers, as well as on purchases of $5,000 or more (up to $2 million per calendar year, then 1 point per dollar spent)
- 1 point per dollar spent on other purchases
Key benefits
The Amex Business Platinum includes numerous statement credits, including:
- Dell statement credit: Up to $150 in statement credits on U.S. purchases made directly at Dell and an additional up to $1,000 statement credit after spending $5,000 or more with Dell each calendar year*
- Hotel statement credit: Up to $600 hotel statement credit per calendar year (up to $300 in semi-annual credits), on prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel when you pay with your Amex Business Platinum (Hotel Collection stays require a two-night minimum)
- Indeed statement credit: Up to $360 in annual statement credits on Indeed (up to $90 per quarter)*
- Adobe statement credit: Up to $250 statement credit after spending $600 or more on U.S. purchases made directly at Adobe each calendar year (subject to auto-renewal)*
- Clear Plus statement credit: Up to $209 in statement credits per calendar year toward an annual Clear Plus membership for expedited airport security (subject to auto-renewal)*
- Airline fee credits: Up to $200 each year in statement credits per calendar year for charges by the qualified airline you select
- Hilton statement credit: Up to $200 statement credit per calendar year (up to $50 quarterly) on eligible purchases made directly with a property in the Hilton portfolio (Hilton for Business program membership is required)
- International Entry or TSA PreCheck: As much as $120 in assertion credit for International Entry or TSA PreCheck purposes ($120 for International Entry each 4 years or as much as $85 for TSA PreCheck each 4½ years)
- Wi-fi phone service assertion credit: As much as $120 in annual assertion credit for purchases made immediately from any U.S. wi-fi phone supplier (as much as $10 per thirty days)*
- Amex Journey flights and One AP: As much as $1,200 in Amex Journey flight assertion credit and as much as $2,400 in One AP assertion credit (legitimate from Jan. 1 to Dec. 31 of the calendar 12 months after assembly the requirement), each after spending $250,000 or extra on eligible purchases in a calendar 12 months
Different advantages embody a 35% airline bonus if you use Pay with Factors for airfare booked by way of Amex Journey (as much as 1,000,000 factors again every calendar 12 months) on the airline that you choose in your annual as much as $200 airline charge assertion credit score, no matter fare class, and complimentary Gold elite standing in Hilton Honors*, Gold elite standing with Marriott Bonvoy* and Leaders Membership Sterling standing from Main Accommodations of the World.*
Plus, eligible cardmembers obtain entry to Centurion Lounges, Delta Sky Golf equipment (when flying Delta)**, Precedence Move™ lounges* (for you and two friends) and Airspace lounges.
Because of all these perks, the Amex Enterprise Platinum repeatedly ranks among the many greatest enterprise rewards playing cards.
*Enrollment is required.
**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.
Associated: Lesser-known advantages of the Amex Enterprise Platinum card
Are you eligible to use for the Amex Enterprise Platinum?
You will be eligible for the Amex Enterprise Platinum, together with its welcome provide, should you’re a first-time applicant.
Even should you’re a freelancer, unbiased contractor or have a facet hustle, you’ll be able to nonetheless get permitted for the Enterprise Platinum. You needn’t make seven figures (and even 5 figures) out of your small enterprise annually to have a small-business card.
Let’s take a look at the phrases and situations of the cardboard itself, after which we’ll delve into among the extra particular software guidelines Amex has in place.
Amex Enterprise Platinum software phrases
Like many different American Categorical playing cards, the Amex Enterprise Platinum has strict eligibility guidelines with regards to incomes its welcome provide — particularly for present or former cardmembers.
In line with the applying phrases:
You might not be eligible to obtain a welcome provide if in case you have or have had this Card or earlier variations of this Card. You additionally might not be eligible to obtain a welcome provide primarily based on numerous elements, similar to your historical past with bank card steadiness transfers, your historical past as an American Categorical Card Member, the variety of bank cards that you’ve got opened and closed and different elements. In case you are not eligible for a welcome provide, we’ll notify you previous to processing your software so you will have the choice to withdraw your software.
In different phrases, you could be disqualified not just for having had the cardboard earlier than, but additionally should you’ve opened and shut a number of Amex playing cards or carried out a variety of steadiness transfers.
Undecided should you’ve had the cardboard previously? Amex has a useful instrument in the course of the software course of that may let you recognize should you’re eligible for the welcome provide earlier than your software is processed.
That stated, welcome provide eligibility with Amex is not all the time so minimize and dry — it is primarily based on a spread of inside elements, so your mileage might differ.
Amex software restrictions
American Categorical usually limits most individuals to holding a most of 5 Amex bank cards directly — together with each private and enterprise playing cards.
Nevertheless, sure merchandise, just like the American Categorical Platinum Card® and the Amex Enterprise Platinum, are just a little completely different from conventional bank cards in that they don’t have any preset spending restrict — which implies that your spending restrict is versatile, not like a conventional card with a set restrict. The quantity you’ll be able to spend adapts primarily based on elements similar to your buy, cost and credit score historical past.
As a result of these playing cards fall right into a separate class, they’re probably not topic to Amex’s five-credit-card restrict. That does not assure approval, nonetheless.
Amex additionally considers your total profile, together with creditworthiness and up to date software historical past, when deciding whether or not to approve you.
Amex additionally usually limits approvals to 2 playing cards inside a 90-day interval, so should you’ve lately utilized for an additional Amex card, you could want to attend earlier than making use of once more.
If you have already got a number of Amex playing cards with excessive credit score limits, the issuer might not be prepared to increase any additional debt to you.
Talking of issuer software restrictions, should you’re eyeing a Chase card just like the Chase Sapphire Most popular® Card (see charges and costs), you could be anxious about Chase’s 5/24 rule.
However there’s excellent news: Amex enterprise playing cards do not depend towards that restrict. So you’ll be able to apply for the Amex Enterprise Platinum with out affecting your possibilities of getting a Chase card down the road.
Associated: The final word information to bank card software restrictions
Does it matter if you have already got a private Amex Platinum card?
By no means. The non-public and enterprise variations of the Amex Platinum are thought of separate merchandise, so already holding the non-public card will not disqualify you from making use of for the Enterprise Platinum — or from incomes its welcome provide.
Do you want a enterprise to use?
Not essentially. Whereas the Amex Enterprise Platinum is technically a small-business card, you do not want a proper enterprise to qualify. Amex — and different issuers — acknowledge that freelancers, unbiased contractors and facet hustlers usually want enterprise bank cards to separate private and work bills.
That stated, the Enterprise Platinum is a premium product, so approval is not assured for simply any facet gig. You might want to offer proof of enterprise revenue or supporting particulars like a “doing enterprise as” (DBA) title, relying in your software.
Are you able to get the cardboard twice?
In some circumstances, sure — particularly should you function a number of companies. There are studies of cardmembers being focused with provides to use for a second Amex Enterprise Platinum with one other welcome provide.
Amex understands that separate companies might require separate playing cards for accounting and expense monitoring. So should you run multiple enterprise — or work for a number of corporations —you may be prequalified for an extra Enterprise Platinum.
These cases are comparatively uncommon, although. In case you do obtain one, it is a good suggestion to contact Amex immediately to verify your eligibility for the welcome provide earlier than making use of.
Name the reconsideration line
In case your software for the Amex Enterprise Platinum is declined, do not hand over simply but — calling the Amex reconsideration line can provide you a second shot at approval. By calling them, you’ll be able to ask if there have been particular points together with your software that you may deal with over the cellphone or by offering additional data.
In the course of the name, you’ll be able to ask if there have been particular considerations together with your software and provide to offer extra data. Be ready to clarify why you are within the card — past simply the welcome provide — similar to particular options or advantages that align with your enterprise wants.
You may additionally want to produce particulars about your enterprise, together with revenue verification and enterprise deal with.
In case you’re nonetheless denied, do not be discouraged. You might be eligible to use once more sooner or later, particularly if Amex rolls out an elevated welcome provide. Contemplate it a platinum lining.
Backside line
The Amex Enterprise Platinum stays one of many prime small-business rewards playing cards available on the market — particularly with its present elevated welcome provide. In case you’re fascinated about making use of, take a second to learn the eligibility necessities to offer your self one of the best likelihood of approval.
Apply right here: The Enterprise Platinum Card from American Categorical
For charges and costs of the Amex Enterprise Platinum, click on right here.
