Travel Rebates, Cell Phone and Airline Credits, and Much More: Why You Might Like the Amex Business Platinum Card as Much I Do

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The Business Platinum Card® from American Express is a card René convinced me to get. (It took him all of about five seconds.)

And, wow, am I glad he did.

Here are the top reasons I’ve held the card for over six years — and plan to keep it for a while.

The Business Platinum Card® from American Express against a swimming pool background.

35% Pay With Points Rebate

This feature hooked me.

My dad needed help after he had knee surgery in winter 2017. He lives in Fargo, North Dakota. I live in Los Angeles. My wife and I were expecting our daughter in April. We just started birthing classes.

Of course, my turn to care for Dad fell during the second week of the classes — and I really wanted to attend. So, I figured out how to fly back to Los Angeles for a few hours and surprise her at class.

But as I griped to René, airfares were expensive.

He told me to pay with the then-50% Pay With Points rebate. I was like, “Wait. What’s that now?”

The Business Platinum Card® from American Express allows members to earn back 35% of any points they apply toward the cost of eligible flights they purchase on AmexTravel.com. (Amex converts each point to a penny each; a maximum of 1,000,000 points can be earned back each calendar year.)

So, I applied for the Card, was approved immediately, and booked my 24-hour roundtrip from Fargo to Los Angeles. There’d be no staying overnight, so I treated myself to First Class trip on Delta — and it was totally worth it. (Especially because I earned back so many points.)

So what is considered an “eligible flight”?

You select an airline from a list of selected carriers. Any class fare you book on that airline — again, booked through AmexTravel.com — qualifies for the 35% Pay With Points rebate.

Also, Business Class or First Class trips booked any airline offered through AmexTravel.com are also eligible.

You can redeem as many points as you want toward a flight’s purchase (and the pay the balance with your card, if you really want). Remember that Amex is writing the airline a check — so, you still earn that carrier’s redeemable and elite status miles. You’ll also enjoy any applicable elite status benefits.

The Pay With Points rebate is how recoup most of the $695 annual fee each year. (Here’s a detailed post about how I earn back the annual fee — and then some — each year.)

$120 Wireless Credit

Cardholders can earn up to $10 in statement credits each month when using their Business Platinum Card to pay at least $10 off their U.S. wireless carrier’s bill.

I generally charge $10 of my monthly Verizon bill to my Business Platinum Card and put the balance on my Ink Business Cash® Credit Card.

Why? That no-annual-fee (yay!) card earns 5% cash back (5X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases each account anniversary year on Internet, cable, and phone services, and at office supply stores.

$200 Airline Incidental Credit

So many people B.M.W. about this First World credit.

Like its sister personal/consumer version, the Amex Business Platinum card gives cardholders the option to choose one airline on which they’ll earn up to $200 in statement credits each calendar on purchases such as:

  • Airline fee charge billed after airline selection
  • Airport lounge day passes and annual memberships
  • Change fees
  • Checked baggage fees
  • Early check-in fees
  • In-flight amenity fees (beverages, food, pillows/blankets, and so on)
  • In-flight entertainment fees (excluding wireless Internet)
  • Overweight/oversize baggage fees
  • Pet flight fees
  • Phone reservation fees
  • Seat assignment fees
  • Unaccompanied minor fees

Many of us have elite status with (at least) one airline and hold their credit card(s). We generally don’t worry about checked baggage costs, airport lounge access, onboard drinks, and change fees.

So, what can we do?!

Check out this post on Eye of the Flyer for some ideas.

The airline incidental credit is so handy for our daughter’s Delta Sky Club guest fees. I also have a trip planned with a business associate later this year. That’ll help cover their Sky Club entrance fee, too.

$400 Dell Statement Credit

Here’s where things get more interesting.

I’m a Mac guy. (René, bless his heart, is not.)

Cardholders get $200 in statement credit for Dell purchases made on their card from January through June. Then another $200 from July through December. (The credit opportunities do not roll over.)

I still find ways to use my statement credits.

I absolutely love this travel external monitor I use all the time. It works so well with my MacBookPro.

Do you love photography? Dell sells a bunch of photo gear. There are so many easy ways to use the Dell credit.

Dell purchases also earn 1.5X points on the Business Platinum card. There frequently are Amex Offers for Dell purchases. You can come out ahead on Dell purchases.

Cruise Benefits

For what it’s worth, you may enjoy these benefits on eligible sailings of five nights or more booked through Amex Travel.

  • $100 – $300 per stateroom shipboard credit
  • Additional exclusive amenities unique to each cruise line
  • Earn one extra Membership Rewards point on each dollar you spend per booking with American Express Travel
The speakeasy inside the American Express Centurion Lounge at New York-JFK
The speakeasy inside the American Express Centurion Lounge at New York-JFK

The Other Features

Because I also hold The Platinum Card® From American Express, a few features overlap. Nonetheless, they’re still valuable.

  • Complimentary access to airport lounges
    • American Express Centurion Lounges when traveling with a confirmed seat on a same-day flight
    • Delta Sky Clubs when traveling on a same-day Delta-operated or -marketed flight.
    • Escape Lounge by Centurion Suites (with up to two guests) when traveling on a same-day flight
    • Priority Pass Select membership (enrollment required)
  • $189 CLEAR® Plus Credit: Receive up to $189 in statement credits each calendar year for CLEAR Plus membership costs charged to your card.
  • $100 Global Entry Credit: Receive either a $100 statement credit every four (4) years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee. Global Entry comes with TSA PreCheck and is the better value, in our opinion. So many travel credit cards offer this benefit — as Chris points out on Eye of the Flyer, you can “gift” it to someone else.
  • Fine Hotels + Resorts: Enjoy early check-in and room upgrades (when available), daily breakfast for two (valued at up $60 total each day), a resort or spa credit (varies by property), and guaranteed late check-out. (Terms apply.)
  • Complimentary Gold Elite Status with Marriott Bonvoy (terms apply, enrollment required.).
  • Complimentary Gold Elite Status with Hilton Honors(terms apply, enrollment required.).
  • Complimentary Hertz President Circle status (terms apply, enrollment required.).
  • Complimentary Avis Preferred Plus membership and discounts (terms apply, enrollment required.).

Other Business Purchases Statement Credit Opportunities:

  • $150 Adobe Credit: Earn up to $150 in statement credits each calendar year for eligible annual prepaid business plan purchases with Adobe on Creative Cloud for teams or Acrobat Pro DC with e-sign for teams. Note that personal or individual plans (i.e., “only for Photoshop”) are not eligible. (Enrollment is required and terms apply.)
  • $360 Indeed Credit: Earn up to $90 in statement credits for eligible purchases made with Indeed. (Enrollment is required and terms apply.)

Final Approach

On the surface, business travel cards aren’t exactly sexy. But many are packed with great features and points-earning opportunities.

I love The Business Platinum Card® from American Express because of its 35% Pay With Points rebate. It’s also stocked with a bunch of other features that make it well worth the squeeze.

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Frequent Floaters has partnered with CardRatings for our coverage of credit card products. FrequentFloaters and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Chris Carley
Chris Carley
Chris, in addition to running EyeoftheFlyer.com, is a travel, points, miles, and credit card aficiando. He can teach us how to leverage points to make one unimaginable cruise not just attainable but affordable. Why not fly and stay for free before the cruise — which you’ll pay for with points?

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