The Enterprise Platinum Card® from American Categorical Assessment

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…nicely, lackluster.

Probably the greatest? The Enterprise Platinum Card® from American Categorical. It comes with a number of world-class perks and advantages, high quality buyer care, and a stable rewards construction (particularly on massive purchases).

Whereas the annual payment 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 believe it’s a fantastic alternative for enterprise house owners who journey steadily.

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 direction of enterprise house owners. (Keep in mind: even aspect hustles and freelancing depend as companies so you may get this card even with out being an LLC.) First, let’s go over among the greatest belongings you get while 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 immediately with airways or via American Categorical Journey along with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You possibly can earn one or each of those presents. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go accommodations, 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 further level bonuses will solely obtain the very 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 $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 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 Inventive Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card via 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 among the most respected 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 on the spot, although some can take as much as 48 hours.

You can even use your Membership Rewards factors to e book flights and accommodations 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 all the time higher to switch them out to one among their companions. Nonetheless, you may get 35% factors again while you do e book through their portal so simply evaluate the factors prices between each earlier than making a call.

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 an enormous motive I like their playing cards. And, for those who can reap the benefits of all that it has to supply, the Enterprise Platinum boasts over $1,700 value of worth. However, with so many classes and a lot advantageous print, it may be onerous to maintain monitor of whether or not a profit is definitely helpful in your spending habits. So, that can assist you resolve if the cardboard is best for you, I wish to break down among the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International Entry/TSA PreCheck)
Probably the greatest issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into among the high lounges worldwide, together with the wonderful 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 massive Precedence Cross community. If having a quiet house to loosen up, seize a drink, or get some work achieved is a precedence while you journey, this card has you coated just about wherever.

I additionally respect that the Enterprise Platinum helps you get via the airport sooner. It presents as much as $199 in assertion credit every year for a CLEAR® Plus membership, which speeds you thru safety strains.

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 slightly extra effort (there’s an interview), however it contains TSA PreCheck too. It’ll prevent a ton of time for those who 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 may solely use it for incidentals, not airfare. However for those who don’t have an airline bank card that provides free baggage, it may be helpful to have. You can even 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’ll be able to 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 at the least 4 occasions a yr to get the complete worth of this credit score. However for those who’re on the street lots, that may be straightforward to do.

Second, the Enterprise Platinum presents 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 for those who’re managing a enterprise whereas touring, so I respect that the Enterprise Platinum helps offset these prices.

You possibly can rise up to $400 in assertion credit on U.S. Dell purchases (via June 30, 2025, break 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 for those who’re hiring as your small business grows.

For those who use Adobe instruments, there’s a $150 credit score obtainable while you prepay yearly for eligible Adobe Inventive Cloud or Acrobat Professional plans for groups. And to maintain you related 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 Presents
On high 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 outlets. These offers rotate commonly and are customized, so what reveals up for you could 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 test Amex Presents earlier than I buy. (The non-public 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 contains robust built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally contains mobile phone 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 mobile phone 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, whilst you may get away with the cardboard’s insurance coverage for those who e book the journey on the cardboard, I wouldn’t depend on it utterly. However it’s higher than most!

Do you have to get this card?

The Enterprise Platinum is right for frequent vacationers who can benefit from perks like smoother airport experiences and lodge elite standing. For those who can reap the benefits of a number of of the business-related assertion credit, the assertion credit alone make the excessive annual payment value it. I get a number of worth from the cardboard via 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 beneath $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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