How good is the Amex Business Platin Card?
Anyone who is traveling a lot as an entrepreneur or self -employed, has high business expenses and would like to benefit from exclusive advantages, ends up quickly at the American Express Business Platinum Card.
The card promises Extensive insurance package, global lounge access, attractive bonus programs and a flexible payment option for business expenses. But is it really worth the high annual price?
We have the Amex Business Platinum looked at exactly, tested for months and everyone Costs, advantages and potential disadvantages analyzed.
From Airport lounges and travel insurance above Membership Rewards points To the fees – here you will find out whether the card really makes sense for your business.
The most important thing at a glance: What can the American Express Business Platinum Card?
The American Express Business Platinum Card Is one of the most exclusive business credit cards On the market and offers an extensive performance package for entrepreneurs, self -employed and managing directors. With high travel advantages, a first -class insurance package and flexible payment options, the card is aimed primarily at frequent travelers and companies with high business expenses.
Top advantages of the Amex Business Platinum at a glance:
- Flexible credit frame: Revolving payment option with up to 58 days of payment
- Premium travel advantages: 1,400+ airport loungesFast track security, hotel & rental car status
- High quality insurance package: Foreign health insurance, full-time rental car, travel resignation, purchasing and liability protection
- Bonus system: 1 Membership-Rewardspun per 1 € salestransferable to Frequent flyer programs & hotel chains
- Exclusive credit: € 200 travel,, 240 € Sixt+ credit,, 300 € for office services & IT
- 99 Free additional cards: Perfect for Employee & business partner
However, there is also Disadvantagesthat you should know in advance: the Annual fee of € 850 Is high that Foreign currency fee of 2 % more expensive payments outside the euro zone, and the full potential of the card only unfolds With active use of travel and business advantages.
In our detailed analysis, we clarify whether the card is worthwhile for your company and how you can get the costs back in through smart use of the advantages.
These are our experiences with the American Express Business Platinum Card
After several months of intensive use of the American Express Business Platinum Card, we can say: This card is not a mass product, but a premium tool for entrepreneurs, frequent travelers and companies with high business effort.
If you use it correctly, you can not only benefit from first -class travel advantages, but also make business payment more efficient.
However, there are also some weaknesses that we noticed in the test – especially when it comes to fees abroad or the administrative effort.
The first months with the Amex Business Platinum: Our test in everyday life
The application and first use: The application ran as usual through the American Express websiteincluding Credit check and proof of the business account. After a few days we held the card in our hands – a High quality, heavy metal designthat stands out clearly from normal business credit cards.
The first surprise came with the welcome bonus: 150,000 Membership Rewards points – a sum that can be worth up to € 7,500 in a clever redemption. Prerequisite: A turnover of € 30,000 within the first six months – ambitious for smaller companies, feasible for larger companies.
The first payments went smoothly, especially the possibility of stretching payment terms by up to 58 days, brought us more flexibility in liquidity planning. This makes the card particularly valuable for companies that have to finance high expenses in advance – be it for marketing, material procurement or larger service projects.
Travel advantages of the Amex Business Platin in the practical test: Where is the card really worth?
1. Lounge access on business trips
One of the biggest plus points The Business Platinum Card is that Priority pass with lounge access to over 1,400 airports worldwide. Anyone who is often on business benefits enormously from the Free snacks, WiFi and quiet work areas. Particularly practical: Additional card holder Also get full access – perfect if you travel with business partners or employees.
Practical experience:
- Positive: Smooth access at airports in Frankfurt, Zurich, London and Dubai
- Negative: Some lounges are overcrowded in peak times, and access to 50 visits per year is limited for new cards
2. Hotel status programs and travel credits
The Amex Business Platinum lends Automatic gold status at Hilton, Marriott and Radissonwhat in room upgrades, free breakfast and better conditions paid. There are also € 200 traveled for travelwhich can be used for flights or hotels.
Our test:
- Hilton in Munich: Room upgrade in the executive suite + free breakfast (value: approx. 80 €)
- Marriott in London: Earlier check-in + room upgrade without additional costs (value: approx. 50 €)
- Missing availability: Not all hotels always recognize the status
For business travelers who Use hotels several times a year, the status can quickly save several hundred euros.
3. Rental car and business mobility
With the Business Platinum there are the following advantages:
- Fully comprehensive rental car insurance up to € 75,000
- Automatic Sixt Platinum Status With better rental conditions
- Monthly € 20 € Sixt+ credit
In practice this meant:
- Rental car bookings ran much more smoothly
- A free vehicle upgrade At Sixt was available in 3 out of 4 cases
- The rental car insurance saved us about € 15/day of additional costs
However, there is a catch: There is a deductible of € 200 per damagethat must be observed.
Insurance: How much protection does the American Express Business Platinum really offer?
The American Express Business Platinum Card Has one of the most extensive insurance packages on the market.
But how good is it really?
| Insurance | Performance | Our experience |
|---|---|---|
| Foreign health insurance | Unlimited cover, but with 10 % deductible | Refunds went without any problems, but original documents were necessary |
| Reiser cancellation insurance | Up to € 6,000 per trip | Also covers covid-19 cancellations, but high proof of evidence |
| Full car rental insurance | Up to € 75,000, 200 € deductible | Worked smoothly in the event of accidents |
| Shopping insurance | Protection up to € 10,000/year | Test with stolen laptop was successful, reimbursement after 6 weeks |
| Luggage insurance | Up to € 3,000 per trip | The claim was accepted in the event of a late luggage, withdrawal after 8 days |
Just on The insurance company ensures a high level of securitybut are some policies provide deductiblethat you should know in advance.
The costs: Is the annual fee of the Amex Business Platinum Card really worth?
The biggest hurdle for many is that Annual fee of € 850. But if you all Using credit & advantages clever, the card pays off quickly.
| Performance | Value (€/year) |
|---|---|
| Travel | 200 € |
| Sixt+ credit | 240 € |
| ebuero/telephone assistance | 300 € |
| Priority Pass (lounge access) | 400 € |
| Hotel status upgrades | 300 € |
| Rental car insurance | 200 € |
| Insurance (travel & purchases) | 800 € |
| Total equivalent | € 2,440 |
Who the card actively usesget the investment back in – for Little travelers or companies with lower sales, on the other hand, the card is less useful.
Our conclusion: Who is the Business Platinum Card really worth?
The American Express Business Platinum Card is a clear recommendation for companies and entrepreneurs who have a lot of travel, have high business expenses and want to use exclusive advantages.
The combination of flexible payment targets, first -class travel advantages and extensive insurance is unique.
Ideal for:
- Company with > € 50,000 annual sales
- Business travelers with At least 3-5 hotel stays per year
- Entrepreneurs who Lounge accesses, rental car advantages and insurance
Less sensible for:
- Small business owners without regular trips
- Users who do not use credit and travel advantages
- Companies with a strong focus on foreign transactions (because of a 2 % foreign currency fee)
In our test the card could Fulfill the expectations, but also has clear limitsespecially with the high fees for cash withdrawals and foreign currencies. Who Using all advantages consistently, but saves more than twice the annual fee every year – and gets one on top of that Premium card with real business added value.
FAQ: American Express Business Platinum Card Experiences
How much sales do you need for the Amex Platinum Business?
Around the Welcome bonus of 150,000 Membership Rewards score to be preserved must be in the first six months a Minimum sales of € 30,000 be generated. This is particularly realistic for companies with regular business expenses. For the basic use there is no mandatory minimum turnoverbut Amex usually expects A correspondingly high useto benefit from the advantages.
How much do you have to earn for an Amex Platinum?
There are no officially fixed income limitbut since the card with an annual fee of 850 € and is associated with high possible sales, AMEX checks when applying for Creditness and business financial data. An annual turnover of at least 50,000–100,000 € In the company, the chances of successful approval significantly increase.
What does the Amex Platinum Business cost?
The American Express Business Platinum Card costs 850 € per year (or 60 € per month). However, this fee can be done by Various credit, status upgrades and travel advantages be balanced.
There are also Up to 99 free additional cardsso that companies can equip their employees with cards without paying additional basic fees.
When is American Express Business worth?
The card is particularly worthwhile for:
- Companies with high business expensesbecause the payment of payment of Up to 58 days More flexibility arises
- Frequent traveler: Through 1,400+ airport lounges, rental car status upgrades and travel insurance Hundreds of euros can be saved annually
- SMEs who work with several employeessince additional cards are free and individual limits can be set
- Entrepreneurs who use Membership Rewards strategically use pointse.g. B. for flights, upgrades or non -cash premiums
If you only travel occasionally or handle hardly any business expenses via credit cards, there are cheaper alternatives for you.
Can everyone get an Amex Platinum Business?
Basically can All self -employed, entrepreneurs and managing directors Apply for the card. However, Amex checks Credit, sales history and payment history. Who a good financial basis can prove, has the best chance of approval. Private individuals without business activities Can the Amex Platinum for private customers However, similar credit tests must apply.