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…effectively, lackluster.

Among the finest? 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 price carrying. I believe it’s an amazing selection for enterprise house owners who journey often.

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 house owners. (Keep 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 among the greatest belongings you get once you join, which make it a no brainer to get for the primary 12 months:

• 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 way of American Categorical Journey together with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You may earn one or each of those presents. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go inns, and short-term leases and pay as you go flight + resort packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US building materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and delivery suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar 12 months. 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 international locations. Entry is restricted 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 12 months for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar 12 months once 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 12 months in assertion credit for purchases made straight from any U.S. wi-fi phone supplier (as much as $10 again monthly).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No overseas 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 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)
• 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 may also use your Membership Rewards factors to e-book flights and inns within the Amex Journey portal. I usually 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 among their companions. Nonetheless, you will get 35% factors again once you do e-book 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 an enormous purpose I like their playing cards. And, when you can make the most of all that it has to supply, the Enterprise Platinum boasts over $1,700 price 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 to your spending habits. So, that can assist you resolve if the cardboard is best for you, I need to break down among 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 among the high lounges worldwide, together with the superb Centurion Lounges and Delta Sky Golf equipment (once you’re flying Delta, with as much as 10 visits per 12 months).

On high of that, you’ll get complimentary entry to the massive Precedence Go community. If having a quiet area to chill out, seize a drink, or get some work executed is a precedence once you journey, this card has you coated just about wherever.

I additionally recognize 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 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 advocate going for International Entry. It takes just a little extra effort (there’s an interview), however it consists of TSA PreCheck too. It’ll prevent a ton of time when you journey internationally.

Airline and Lodge 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 may well solely be used on one (pre-selected) airline, and you’ll solely use it for incidentals, not airfare. However when you don’t have an airline bank card that provides free baggage, it may be helpful to have. You may also use the credit score for airline bills like paid seat choice or on-board food and drinks.

The Enterprise Platinum additionally presents a couple of 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 12 months to get the total worth of this credit score. However when you’re on the street rather a lot, 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 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 when you’re managing a enterprise whereas touring, so I recognize that the Enterprise Platinum helps offset these prices.

You may stand up to $400 in assertion credit on U.S. Dell purchases (by way of June 30, 2025, break up into $200 chunks each six months). There’s additionally as much as $360 again per 12 months on Certainly adverts (as much as $90 every quarter), which is nice when you’re hiring as your online business grows.

If you happen to use Adobe instruments, there’s a $150 credit score obtainable once you prepay yearly for eligible Adobe Artistic Cloud or Acrobat Professional plans for groups. And to maintain you related on the go, you’ll stand up to $120 a 12 months for purchases made straight with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Presents
On high of all these worthwhile assertion credit, the Enterprise Platinum provides you entry to Amex Presents, a simple manner to avoid wasting money or rack up further factors with a variety of outlets. These offers rotate recurrently and are personalised, so what reveals up for you is perhaps completely totally 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 verify 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 advocate 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 cellular phone safety for injury or theft, a uncommon however worthwhile perk. For a most of $800 per declare, with a restrict of two authorized claims per 12-month interval, when your cellular 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 authorized declare.

So, when you may get away with the cardboard’s insurance coverage when you 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 good for frequent vacationers who can benefit from perks like smoother airport experiences and resort elite standing. If you happen to can make the most of a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual payment price it. I get a number of worth from the cardboard by way of the assertion credit that make carrying the cardboard after the primary 12 months actually price 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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