The Business Platinum Card® from American Express Review

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The Business Platinum Card® from American Express is the best card for airport lounge access. Cardmembers have access to the Centurion Lounges, Delta SkyClubs when flying Delta, Escape Lounges, Plaza Premium lounges, and Priority Pass.

Top Airport Lounge Access
The Business Platinum Card® from American Express
  • Earn 120,000 Membership Rewards Points After $15,000 in Eligible Purchases in the First 3 Months
  • 5X Points on Flights and Prepaid Hotels Booked Via
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year).
  • Airport Lounge Access at Centurion Lounges, Delta SkyClubs when Flying Delta, Escape, Plaza Premium, and Priority Pass
  • $695 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
Learn More
American Express is a Deals Points Advertiser; Terms Apply; Enrollment is Required for Some Benefits

American Express Business Platinum Benefits

The American Express Business Platinum card comes with a ton of great benefits including $200 airline incidental credit, $400 Dell credit, Global Entry credit, amazing airport lounge access, and much more.

$200 Airline Incidental Credit

The Business Platinum card comes with a $200 airline incidental credit per calendar year, which includes fees for checked bags, seat selection, pet transport fees, and in-flight refreshments.

The downside is you have to select one U.S. airline for the credit, so you can’t mix and match fees from different airlines. 

Things that are generally not reimbursable are airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty-free purchases, and award tickets that are not deemed to be incidental fees.

There are some loopholes, which we detail in our guide on the American Express Airline Fee Credit.

Amex Platinum Airline fee credit

$400 Dell Credit

Business Platinum cardholders get $400 annual in Dell statement credits:

  • $200 for January to June
  • $200 for July through December.

Dell has a large selection of laptops, desktops, TVs, monitors, headphones, tablets, software, and computer accessories.

Dell Laptop

Global Entry or TSA Pre-Check Credit

This card offers a Global Entry or TSA PreCheck fee credit like many other travel cards.

TSA PreCheck is a membership program offering dedicated airport security lines and faster security screening (typically 5 minutes or less) at more than 200 airports across the United States and includes over 81 airlines.

With TSA PreCheck, you do not need to remove your shoes, laptop, small liquids, belts, or light jackets.

Global Entry includes TSA PreCheck and expedited immigration upon arrival from an international trip back to the United States.

TSA PreCheck and Global Entry require an interview and background check, but TSA PreCheck is typically faster and easier to obtain. 

If you already have Global Entry or TSA PreCheck, you could use the card to purchase Global Entry for a family or friend or use it when your membership needs to be renewed. (Some TSA PreCheck enrollment centers require the credit card name to match the applicant’s name, whereas Global Entry doesn’t have the same requirement.)

Elite Status and Discounts

Platinum cardholders also get elite status with hotel and rental car programs including:

  • Hilton Honors Gold
  • Marriott Bonvoy Gold
  • National Emerald Club Executive
  • Avis Preferred (use coupon code UUNA007 for upgrades and save AWD #756900 to your Avis profile)
  • Hertz (one class upgrade with CDP #211762 plus a four hour grace period on returns)

Trip Delay Insurance

American Express recently introduced trip delay insurance for several of their premium cards. 

If your trip is delayed 6 or more hours, you can seek reimbursement for up to $500 per covered trip with a maximum of 2 claims per 12 months. 

This coverage also includes delays for weather, which is great because airlines don’t provide hotels or food vouchers if the delay is weather-related.

Travel Benefits

Trip Cancellation Insurance– This coverage reimburses you up to $10,000 for non-refundable expenses if a covered reason cancels or interrupts your trip. There is a limit of $20,000 per 12 month period.

Baggage Insurance– This coverage reimburses you for lost, damaged, or stolen baggage up to $3,000 for a carry-on bag and $2,000 for a checked bag.

Secondary Rental Car Insurance– This secondary coverage pays for any damage to the rental car not covered by your insurance. If you don’t have collision insurance, this coverage is primary coverage.

The Hotel Collection– American Express partnered with 600+ hotels to get you a $100 hotel credit to spend on qualifying dining, spa, and resort activities, and a room upgrade when you stay at least two consecutive nights.

Medical Evacuation Insurance– In the unlikely event for a need for a medical evacuation, American Express will spend an unlimited amount for the cardholder, immediate family, and children under 23 or under 26 if enrolled full-time in school, to be sent home. This could include American Express sending a private jet.

Cruises Privileges Program– This program gets you a $100 to $300 per stateroom shipboard credit, additional amenities, and earns you 1 extra point per dollar when booking through AmexTravel.

Shopping Benefits

No Foreign Transaction Fees- You can use your Platinum card anywhere in the world without foreign transaction fees, which are typically 2.7% on most cards.

Return Protection- If a merchant refuses to take back an eligible item within 90 days, American Express will refund the purchase price up to $300 per item with a maximum of $1,000 per calendar year.

Extended Warranty- This benefit add an extra year to the original manufacturer’s warranty for warranties of 5 years or less.

Amex Offers– The Platinum card, like all American Express cards, comes with Amex Offers which you can load onto your card to save money at select merchants, such as $10 off $25.

ShopRunner– This benefit gets you free 2-day shipping at 100+ online stores. 

FINE Hotels and Resorts

Platinum cardholders have access to 1,000+ hotels through the FINE Hotels and Resorts program that gets you:

  • Room upgrade
  • Daily breakfast for two
  • Guaranteed 4 p.m. late check-out.
  • Noon check-in (where available)
  • Complimentary Wi-Fi
  • A unique amenity valued at $100 such as spa or food and beverage credit.
It can be a very good deal for cities like Las Vegas, where luxury hotels are fairly cheap. Plus you get the $100 credit even if you stay only one night.
Fine Hotels and Resorts Vegas

International Airline Program

This program offers flight discounts on premium economy, business, and first-class fares for the primary cardholder and up to seven companions.

You can book by live-chatting with an Amex agent or calling 1-800-525-3355 for personal cards and 1-800-553-9497 for business cards.

There is a $39 fee per ticket, but you can usually save at least $300 via this program. 

Participating Airlines: Air China, Air France, Air New Zealand, Alitalia, Asiana, Austrian, British Airways, Brussels, Cathay Pacific, China Airlines, Delta, Emirates, Etihad, Iberia, Japan Airlines, KLM, LATAM, Lufthansa, Qantas, Qatar, Singapore, South African, SWISS, and Virgin Atlantic. 

Platinum Airline Program

Concierge and Global Dining Program

American Express has created a lot of valuable connections in the world of dining and events, which they share with Platinum cardholders.

These connections can get you Broadway tickets to shows like Hamilton via their Concierge program, which you can contact by calling 1-800-525-3355 or emailing at [email protected].

Platinum cardholders also get access to the Global Dining Collection, which provides special access to some of the most exclusive restaurants in the world.

Plus, cardholders have access to “By Invitation Only” events, which are very exclusive once-in-a-lifetime events, and American Express Experiences

American Express Global Dining

Other Benefits

Departures Magazine– Platinum cardholders get a free subscription to Departures Magazine.

Staples Center Centurion Suite– American Express has a special suite for Platinum cardholders at the Staples Center in Los Angeles. I’ve been a few times to the Suite. I typically buy the cheapest ticket possible to get into the building and then get to the Suite 30-60 minutes before tip-off because there are capacity limits

You still have to pay for food and drinks, but its higher quality (including sushi) and you get a good view of the court. 

Staples Centurion Suite
Centurion Suite at the Staples Center

Airport Lounge Access with American Express Platinum

The American Express Platinum card is the best card for airport lounge access since it gives you access to Centurion Lounges, Delta Sky Clubs, Escape Lounges, Plaza Premium lounges, and several others.

Centurion Lounges

Centurion Lounges are an amazing perk of the Platinum credit cards. You get free premium food and alcohol, and every lounge has shower suites except LaGuardia.

Plus, several lounges have interesting perks such as a free 15-minute massage in Dallas and Miami, and a special wine tasting area in San Francisco.

Centurion Lounges are a great place to hang out before your flight, so arrive early. Lounges also have free Wi-Fi, plenty of places to charge your devices, workspaces, large TVs, and half of the lounges have family rooms.

Centurion Lounges

There are currently eleven U.S. Centurion Lounges and one international lounge in Hong Kong with three future lounges under construction. 

International American Express Lounges

American Express operates several international lounges. These lounges are very nice but not as fancy as Centurion Lounges because you have to pay for premium food and drinks at some lounges.

Some airports have multiple American Express lounges including three in Mexico City and two in Monterrey. 

American Express Logo American Express Lounges
Buenos Aires (EZE) Delhi (DEL)
Melbourne (MEL) Mexico City (MEX)
Monterrey (MTY) Mumbai (BOM)
Sao Paulo (GRU) Stockholm (ARN)
Sydney (SYD) Toluca (MEX)

Delta Sky Clubs

Platinum cardholders get access to Delta Sky Clubs when flying Delta or a WestJet flight booked via Delta. If you are flying any other airline, you don’t have access. 

You can bring guests at a cost of $29 per person with a limit of two guests or your spouse/domestic partner and any children under 21 years old. But if one of your guests were a Platinum authorized user, they would get free access.

Delta Air Lines Delta SkyClubs
Atlanta (ATL) Austin (AUS)
Boston (BOS) Chicago (ORD)
Cincinnati (CVG) Dallas (DFW)
Denver (DEN) Detroit (DTW)
Fort Lauderdale (FLL) Honolulu (HNL)
Indianapolis (IND) Jacksonville (JAX)
London (LHR) Los Angeles (LAX)
Memphis (MEM) Miami (MIA)
Milwaukee (MKE) Minneapolis (MSP)
Nashville (BNA) New Orleans (MSY)
New York (JFK) New York (LGA)
Newark (EWR) Orlando (MCO)
Philadelphia (PHL) Phoenix (PHX)
Portland (PDX) Raleigh (RDU)
Salt Lake City (SLC) San Diego (SAN)
San Francisco (SFO) Santiago (SCL)
Seattle (SEA) Tampa (TPA)
Tokyo (NRT) Washington D.C. (DCA)
West Palm Beach (PBI)

Escape Lounges

Escape Lounges are some of my favorite airport lounges. They are typically quite small but offer great free food and drinks. While the lounges are not as amazing as the Centurion Lounges, their food offerings are much better than the Delta Sky Club. 

Escape Lounge Food Buffet
Photo: Escape Lounges

Their footprint in the U.S. has been growing over the last several years with at least two lounges added each year.

Escape Stacked in the U.S.
Airport Location Hours Food Drinks
Bradley (BDL) Post-security near Gate 1 5am to 8pm daily Menu N/A
Cincinnati (CVG) Gate B21 6:30am to 8pm daily N/A N/A
Columbus (CMH) Near Gate B32 5am to 8pm daily Menu Menu
Fort Lauderdale (FLL) T3 Near Gates E & F 5:30am to 9pm daily Menu Menu
Greenville (GSP) Concourse B near Gate 1 4:30am to 7:30pm daily Menu Menu
Minneapolis (MSP) T1 at Entrance to Con. E 5am to 8pm daily N/A N/A
Oakland (OAK) T1 Across from Gate 9 5am to 8pm daily Menu N/A
Palm Beach (PBI) Concourse B 5am to 7pm daily Menu N/A
Phoenix T3 (PHX) T3 Between E and F Gates 4:30am to 10pm daily Menu Menu
Phoenix T4 (PHX) T4 Near Gate B22 4am to 10pm daily Menu Menu
Rhode Island (PVD) Near Gate 18 6am to 7pm daily N/A Menu
Reno (RNO) Between Conc. B and C M, Tu, W, Sa, Su: 4:30am to 8pm
Th, F: 4:30am to 10pm
Menu Menu
Sacramento TA (SMF) Post security, near Gate 1 5am to 8pm daily Menu Menu
Sacramento TB (SMF) Term. B on Left After Security Sat to Wed: 5am to 8pm
Thu to Fri: 5am to 9pm
Menu Menu

Escape Lounges also operated five lounges in the United Kingdom.

Escape Stacked in the U.K.
Airport Location Hours
East Midlands (EMA) Near Gate 17 Mon: 4am - 5pm
Tue: 4am - 4:30pm
Wed: 4am - 2:30pm
Thu: 4am - 4pm
Fri: 4am - 5pm
Sat: 4am - 2:30pm
Sun: 4am - 5pm
London (STN) Main Dep. Lounge 4am to 7pm daily
Manchester T1 (MAN) Terminal 1, Executive Lounge level Mon - Sat: 4am - 5:30pm
Sun: 4am - 6pm
Manchester T2 (MAN) T2 near Gate 209 4am to 2:30pm daily
Manchester T3 (MAN) T3 on Level 3 Monday - Friday: 4am - 7:30pm
Saturday: 4am - 5:30pm
Sunday: 4am - 7:30pm

Priority Pass

Priority Pass is a collection of 1,300+ airport lounges all across the world. Most major U.S. airports have at least one, but Priority Pass’s footprint is quite large outside of the United States.

It even includes some interesting options such as the Sleepbox in Washington D.C. and Minute Suites at several airports.

The one downside is that the American Express version of the Priority Pass does not include Priority Pass restaurants, which gives you a credit for $26-30 per person. (Other cards such as the Chase Sapphire Reserve and U.S. Bank Altitude Reserve still have access to restaurants.)  

Sleepbox dulles
Photo: Sleepbox

Plaza Premium Lounges

Plaza Premium Lounges are really nice lounges located mainly in Asia, Canada, Europe, the Middle East, and India. 

The lounges typically have really good food and drink for a lounge, and shower rooms. Some lounges even have spas and massage therapy available for an extra cost.

Plaza Premium Lounge

Airspace Lounge

There is only one Airspace Lounge and it is located in San Diego. There were previously locations at Cleveland and New York, but both of them closed down. 

The location in San Diego has showers and you get a $10 credit for food and alcohol. There is a selection of complimentary snacks, coffee, tea, and soft drinks.

Lufthansa Lounges

One very interesting partnership is American Express’ partnership with Lufthansa, which started in 2017. The partnership is set to expire on July 31, 2020, but it frequently is renewed.

Platinum cardholders get access to Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) in the Satellite area of T2 in Munich Airport, and T1 Concourse B in Frankfurt Airport. 

Just present your Platinum card and your same-day boarding pass from Lufthansa, SWISS, or Austrian Airlines for access. 

Redeeming Membership Rewards Points

There are a few different ways to redeem American Express Membership Rewards points, but the best way is to transfer to the airline or hotel points programs below.

Our favorites are ANA, Aeroplan, LifeMiles, and Iberia Avios. American Express also occasionally offers transfer bonuses, which increases the value of their points by 20 to 50%. 

American Express Logo Membership Rewards Transfer Partners [1 to 1]
Aer Lingus Aer Lingus Avios AEROMEXICO LOGO AeroMexico [1 to 1.6]
Air Canada Air Canada Aeroplan Air France Air France/KLM Flying Blue
Alitalia logo Alitalia ANA ANA
Avianca Avianca LifeMiles British Airways British Airways Avios
Cathay Pacific Cathay Pacific Asia Miles Delta Air Lines Delta SkyMiles
El Al El Al [1,000 to 20] Emirates logo Emirates
Etihad Etihad Guest Hawaiian Airlines logo Hawaiian Airlines
Iberia logo Iberia Avios JetBlue JetBlue [250 to 200]
Qantas Logo Qantas Singapore Airlines Singapore KrisFlyer
Virgin Atlantic logo Virgin Atlantic Choice Logo Choice
Hilton Hotels Hilton Honors [1 to 2] Marriott Hotels Marriott Bonvoy

35% Points Rebate

One of the unique aspects of the Business Platinum is that you can get a 35% points rebate when redeeming points on (up to 1 million points per calendar year).

A $1,000 flight would cost 100,000 Membership Rewards points, but you would get 35,000 points back as a rebate.

We still recommend you transfer points to airlines because redeeming points with AmexTravel only gets you 1.35 cents per point. Whereas, transferring to ANA should get you 2+ cents per point.

Other Ways to Use Membership Rewards

A couple less valuable options that we generally do not recommend are:

Gift Cards– The points required for gift cards vary, but typically provides only 0.7 to 1.0 cents per point.

Use Points for Charges– You can redeem points directly for charges on your billing statement, but you only get 0.6 cents per point.

Shopping at Amazon– You can link your Membership Rewards to Amazon and get 0.7 cents per point. 

The Verdict

The American Express Business Platinum card has a ton of great benefits especially for frequent travelers who can take advantage of the airport lounge options. 

Top Airport Lounge Access
The Business Platinum Card® from American Express
  • Earn 120,000 Membership Rewards Points After $15,000 in Eligible Purchases in the First 3 Months
  • 5X Points on Flights and Prepaid Hotels Booked Via
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year).
  • Airport Lounge Access at Centurion Lounges, Delta SkyClubs when Flying Delta, Escape, Plaza Premium, and Priority Pass
  • $695 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
Learn More
American Express is a Deals Points Advertiser; Terms Apply; Enrollment is Required for Some Benefits
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