The Enterprise Platinum Card® from American Specific Evaluate

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been wonderful and elevated each my journey and my enterprise. Others have been…effectively, lackluster.

Among the finest? The Enterprise Platinum Card® from American Specific. It comes with loads of world-class perks and advantages, high quality buyer care, and a strong rewards construction (particularly on massive purchases).

Whereas the annual charge is fairly excessive ($695, pay over time obtainable. 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 awesome selection for enterprise house owners who journey continuously.

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

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

The Enterprise Platinum Card® from American Specific is a journey rewards card geared in the direction of enterprise house owners. (Bear in mind: even aspect hustles and freelancing rely 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 if you enroll, which make it a no brainer to get for the primary yr:

• Restricted Time Provide: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked straight with airways or by American Specific Journey along with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You’ll be able to earn one or each of those provides. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go motels, and short-term leases and pay as you go flight + lodge packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US development materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and transport suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar yr. Purchases eligible for a number of extra level bonuses will solely obtain the very best eligible bonus.
• Complimentary entry to the American Specific 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 $199 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 if 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 Inventive Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card by 6/30/25.
• As much as $120 per calendar yr in assertion credit for purchases made straight 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 Specific. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are a number of the most useful 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)
• Selection 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 instantaneous, although some can take as much as 48 hours.

You can too use your Membership Rewards factors to guide flights and motels within the Amex Journey portal. I usually wouldn’t do that although because it’s not the most effective use of your factors. It’s at all times higher to switch them out to considered one of their companions. Nevertheless, you will get 35% factors again if you do guide by way of their portal so simply evaluate 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 purpose I like their playing cards. And, in case you 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 fantastic print, it may be arduous to maintain monitor of whether or not a profit is definitely helpful in 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 prime lounges worldwide, together with the wonderful Centurion Lounges and Delta Sky Golf equipment (if you’re flying Delta, with as much as 10 visits per yr).

On prime of that, you’ll get complimentary entry to the large Precedence Cross community. If having a quiet area to calm down, seize a drink, or get some work completed is a precedence if you journey, this card has you coated just about anyplace.

I additionally admire that the Enterprise Platinum helps you get by the airport quicker. It provides as much as $199 in assertion credit every year for a CLEAR® Plus membership, which speeds you thru safety traces.

You’ll additionally get a credit score for International Entry (as much as $100 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 a bit of extra effort (there’s an interview), however it consists of TSA PreCheck too. It’ll prevent a ton of time in case you 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 will possibly solely be used on one (pre-selected) airline, and you’ll solely use it for incidentals, not airfare. However in case you don’t have an airline bank card that provides free baggage, it may be helpful to have. You can too use the credit score for airline bills like paid seat choice or on-board food and drinks.

The Enterprise Platinum additionally provides just a few Hilton-related advantages. First, you possibly can obtain as much as $200 in assertion credit at Hilton properties when booked straight. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property a minimum of 4 occasions a yr to get the total worth of this credit score. However in case you’re on the street lots, that may be simple to do.

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

You’ll be able to rise up to $400 in assertion credit on U.S. Dell purchases (by 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 in case you’re hiring as your enterprise grows.

Should you use Adobe instruments, there’s a $150 credit score obtainable if you prepay yearly for eligible Adobe Inventive 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 straight with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Presents
On prime of all these helpful assertion credit, the Enterprise Platinum provides you entry to Amex Presents, a simple means to avoid wasting money or rack up additional factors with a variety of shops. These offers rotate repeatedly and are customized, 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 at all times examine Amex Presents earlier than I buy. (The non-public card provides 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 robust built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally consists of cellphone safety for injury or theft, a uncommon however helpful perk. For a most of $800 per declare, with a restrict of two accepted 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 accepted declare.

So, when you might get away with the cardboard’s insurance coverage in case you guide the journey on the cardboard, I wouldn’t depend on it fully. But it surely’s higher than most!

Do you have to get this card?

The Enterprise Platinum is good for frequent vacationers who can take advantage of perks like smoother airport experiences and lodge elite standing. Should you can benefit from just a few of the business-related assertion credit, the assertion credit alone make the excessive annual charge value it. I get loads of worth from the cardboard by 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 below $5,000 (which isn’t pretty much as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex provides, and companions you don’t discover anyplace else make this card important for any enterprise proprietor.

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