The Enterprise Platinum Card® from American Categorical 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…properly, lackluster.

Among the finest? The Enterprise Platinum Card® from American Categorical. It comes with a variety of world-class perks and advantages, high quality buyer care, and a stable rewards construction (particularly on giant 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 value carrying. I feel it’s an important alternative for enterprise homeowners who journey regularly.

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

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

The Enterprise Platinum Card® from American Categorical is a journey rewards card geared in the direction of enterprise homeowners. (Keep in mind: even aspect hustles and freelancing depend as companies so you will get this card even with out being an LLC.) First, let’s go over a number of the greatest belongings you get while you join, which make it a no brainer to get for the primary yr:

• 1.5X factors (that’s an additional half level per greenback) on purchases at US development materials & {hardware} suppliers, digital items retailers and software program & cloud system suppliers, and delivery suppliers, in addition to on every eligible buy of $5,000 or extra, as much as $2 million of those purchases per calendar yr. Purchases eligible for a number of further level bonuses will solely obtain the best eligible bonus.
• Earn 5X Membership Rewards® factors on flights and pay as you go accommodations booked on AmexTravel.com. 1X factors on different eligible purchases.
• 1.5X factors (that’s an additional half level per greenback) on purchases at US development materials & {hardware} suppliers, digital items retailers and software program & cloud system suppliers, and delivery suppliers, in addition to on every eligible buy of $5,000 or extra, as much as $2 million of those purchases per calendar yr. Purchases eligible for a number of further level bonuses will solely obtain the best eligible bonus.
• Complimentary entry to the American Categorical International Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 nations. Entry is proscribed to eligible Card Members.
• As much as $120 in assertion credit for International Entry or TSA Pre-check each 4 years.
• As much as $209 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar yr for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar yr 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 Artistic 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 yr in assertion credit for purchases made immediately 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 Categorical. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are a number of the most precious 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)
• Alternative 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 prompt, although some can take as much as 48 hours.

You too can use your Membership Rewards factors to ebook flights and accommodations within the Amex Journey portal. I typically wouldn’t do that although because it’s not one of the best use of your factors. It’s all the time higher to switch them out to one in every of their companions. Nonetheless, you will get 35% factors again while you do ebook through their portal so simply examine the factors prices between each earlier than making a choice.

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 like their playing cards. And, if you happen to can benefit from all that it has to supply, the Enterprise Platinum boasts over $1,700 value of worth. However, with so many classes and a lot effective print, it may be laborious to maintain monitor of whether or not a profit is definitely helpful on your spending habits. So, that can assist you determine if the cardboard is best for you, I need to break down a number of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International 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 a number of the high lounges worldwide, together with the superb Centurion Lounges and Delta Sky Golf equipment (while you’re flying Delta, with as much as 10 visits per yr).

On high of that, you’ll get complimentary entry to the large Precedence Move community. If having a quiet area to calm down, seize a drink, or get some work achieved 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 presents as much as $199 in assertion credit annually for a CLEAR® Plus membership, which speeds you thru safety traces.

You’ll additionally get a credit score for International Entry (as much as $120 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 International Entry. It takes just a little extra effort (there’s an interview), nevertheless it consists of TSA PreCheck too. It’ll prevent a ton of time if you happen to 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 might solely be used on one (pre-selected) airline, and you may solely use it for incidentals, not airfare. However if you happen to don’t have an airline bank card that gives free baggage, it may be helpful to have. You too can use the credit score for airline bills like paid seat choice or on-board food and drinks.

The Enterprise Platinum additionally presents a number of Hilton-related advantages. First, you possibly can obtain as much as $200 in assertion credit at Hilton properties when booked immediately. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property not less than 4 instances a yr to get the complete worth of this credit score. However if you happen to’re on the street so much, that may be simple to do.

Second, the Enterprise Platinum presents complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which provide further 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 if you happen to’re managing a enterprise whereas touring, so I admire that the Enterprise Platinum helps offset these prices.

You may rise up to $400 in assertion credit on U.S. Dell purchases (by way of June 30, 2025, cut up into $200 chunks each six months). There’s additionally as much as $360 again per yr on Certainly advertisements (as much as $90 every quarter), which is nice if you happen to’re hiring as your online business grows.

Should you use Adobe instruments, there’s a $150 credit score accessible while you prepay yearly for eligible Adobe Artistic Cloud or Acrobat Professional plans for groups. And to maintain you linked on the go, you’ll rise up to $120 a yr for purchases made immediately with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Affords
On high of all these precious assertion credit, the Enterprise Platinum provides you entry to Amex Affords, a straightforward method to avoid wasting money or rack up further factors with a variety of outlets. These offers rotate recurrently and are personalised, so what exhibits up for you may be completely completely 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 presents 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 consists of sturdy built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally consists of cellphone 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 cellphone 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, whilst you may get away with the cardboard’s insurance coverage if you happen to ebook the journey on the cardboard, I wouldn’t depend on it utterly. Nevertheless it’s higher than most!

Must you get this card?

The Enterprise Platinum is good for frequent vacationers who can benefit from perks like smoother airport experiences and lodge elite standing. Should you can benefit from a number of of the business-related assertion credit, the assertion credit alone make the excessive annual price value it. I get a variety of worth from the cardboard by way of the assertion credit that make carrying the cardboard after the primary yr actually value it.

Whereas it’s true you solely get 1x level per greenback spent on something underneath $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 presents, and companions you don’t discover wherever else make this card important for any enterprise proprietor.

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