Top 8 American Express Business Cards for 2025 Standouts
In the realm of business credit cards, American Express stands out for its combination of a flexible rewards program, useful bonus categories, and a host of valuable perks and protections. One such card is the Business Platinum Card, designed to cater to business owners and frequent travellers.
## Sign-Up Bonus and Rewards Structure
The Business Platinum Card currently offers a substantial sign-up bonus of up to 250,000 points[1]. The rewards structure is equally impressive, with 5x points on flights, prepaid hotels, short-term rentals, and prepaid flight and hotel packages booked at AmexTravel.com[1]. Additionally, cardholders can earn 1.5x points for eligible purchases at U.S. electronic goods retailers, U.S. shipping providers, U.S. software and cloud system providers, U.S. construction material and hardware suppliers, and on purchases of $5,000 or more (limited to $2,000,000 per year)[1]. All other eligible spending earns 1x point[1].
## Travel Protections and Statement Credits
The card offers a range of travel protections, including trip delay insurance, trip cancellation and interruption insurance, rental car insurance, baggage insurance, and other travel-related protections[2]. Furthermore, it provides several statement credits to offset expenses, such as up to $200 airline fee credit for incidental air travel fees[3], up to $400 Dell Technologies credit ($200 in the first half of the year and $200 in the second half)[2][3], up to $360 Indeed credit ($90 per quarter)[2][3], up to $150 Adobe credit for select annual prepaid subscriptions[2][3], up to $120 in wireless telephone service credits ($10 per month)[2], and up to $200 Hilton statement credit[1].
## Additional Features
Cardholders gain access to over 1,400 lounges worldwide, including American Express Centurion Lounges, Delta Sky Clubs (with a same-day Delta boarding pass), and Priority Pass lounges (enrollment required)[1]. The card also offers complimentary Gold elite status with Hilton Honors and Marriott Bonvoy upon enrollment[1][3]. Other features include TSA PreCheck/Global Entry Fee Credit[1][3], no foreign transaction fees[3], the Fine Hotels & Resorts Program, a Card Concierge, and Cell Phone Protection[2][3].
## Changes and Limitations
It's worth noting that starting September 18, 2025, the 35% Pay With Points rebate will be limited to flights booked on the selected U.S. airline[5].
While the card incurs a $695 annual fee, its numerous benefits and statement credits can offset this cost for frequent travellers and businesses that align with its rewards structure.
When deciding between an American Express Business Charge Card and a Business Credit Card, it's essential to consider your business spending patterns and which will bring the most value to your bottom line. The Business Platinum Card from American Express offers a welcome offer of 150,000 Membership Rewards points after $20,000 in eligible purchases within the first 3 months of Card Membership.
[1] https://www.americanexpress.com/en-GB/business/credit-cards/businessplatinum/ [2] https://www.americanexpress.com/en-GB/business/credit-cards/businessplatinum/benefits/ [3] https://www.americanexpress.com/en-GB/business/credit-cards/businessplatinum/terms-conditions/ [4] https://www.americanexpress.com/en-GB/business/credit-cards/businessgold/ [5] https://www.americanexpress.com/en-GB/business/credit-cards/businessplatinum/changes-to-pay-with-points/
- The Business Platinum Card from American Express offers a substantial sign-up bonus of up to 250,000 points for business owners and frequent travelers who align with its rewards structure.
- Cardholders can earn 5x points on flights, prepaid hotels, short-term rentals, and prepaid flight and hotel packages booked at AmexTravel.com, and 1.5x points for eligible purchases in technology sectors like electronic goods retailers, shipping providers, software and cloud system providers, and construction material and hardware suppliers.
- This card provides valuable travel protections, such as trip delay insurance, trip cancellation and interruption insurance, rental car insurance, baggage insurance, and statement credits that offset expenses, like up to $200 airline fee credit, up to $400 Dell Technologies credit, and up to $360 Indeed credit.
- Additional features include access to over 1,400 lounges worldwide, Gold elite status with Hilton Honors and Marriott Bonvoy upon enrollment, TSA PreCheck/Global Entry Fee Credit, no foreign transaction fees, the Fine Hotels & Resorts Program, a Card Concierge, and Cell Phone Protection.
- Starting September 18, 2025, the 35% Pay With Points rebate will be limited to flights booked on the selected U.S. airline, so it's essential to consider this change when deciding whether the Business Platinum Card is the right fit for your business spending patterns and value proposition.
