Is the Amex Enterprise Platinum well worth the annual payment?

Editor’s be aware: It is a recurring put up, commonly up to date with new data.

“This card has an annual payment of almost $700” tends to trigger many individuals to drop their jaws. The overall response — from most individuals — is that there is merely no manner paying the annual payment is price it.

The Enterprise Platinum Card® from American Categorical has an annual payment of $695 (see charges and charges), but the cardboard claims to supply greater than double that in annual credit and perks. Does that robotically make the Amex Enterprise Platinum Card’s annual payment price it? It relies upon.

Here is a have a look at what you get from the Amex Enterprise Platinum Card every year so you’ll be able to resolve whether or not the annual payment is price it for you.

Associated: Full assessment of the American Categorical Enterprise Platinum Card

Welcome bonus

New candidates can make the most of an unique provide accessible via TPG, incomes 150,000 bonus factors after spending $15,000 on purchases throughout the first three months of cardmembership. In keeping with TPG’s newest valuations, American Categorical Membership Rewards factors are price 2 cents apiece, making this bonus price $3,000.

Associated: The best way to redeem American Categorical Membership Rewards for max worth

The Centurion Lounge at Philadelphia’s PHL airport. ZACH HONIG/THE POINTS GUY

Lounge entry

Those that maintain the Amex Enterprise Platinum (in addition to The Platinum Card® from American Categorical) have entry to a variety of lounges. They embrace:

You may seek the advice of the International Lounge Assortment web site’s search operate to seek out lounges accessible in your subsequent journey.

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Associated: Information to lounge entry with the Amex Platinum and Enterprise Platinum

When visiting these lounges, you’ll be able to take pleasure in advantages like complimentary snacks, meals, drinks (generally together with free alcohol) and free Wi-Fi. Different lounges may have higher advantages, equivalent to full meals, showers, youngsters’s play areas and extra.

Resort elite standing

Cardmembers can register for automated elite standing with Hilton Honors and Marriott Bonvoy. This profit offers Gold standing in each applications.

TPG values Hilton Gold standing at over $1,200 per yr. This standing tier offers advantages like bonus factors on paid stays, complimentary bottled water, a fifth night time free on award stays, room upgrades (although to not suites) and free continental breakfast or meals and beverage credit. You also needs to obtain a welcome reward at check-in, sometimes a snack or bonus factors.

TPG values Marriott Bonvoy Gold Elite standing at $800 per yr. This tier offers advantages like late checkout, room upgrades (although to not suites), bonus factors on paid stays, enhanced web and a welcome reward of bonus factors at check-in.

Get pleasure from Hilton advantages at properties like The Hilton Cancun. BENJI STAWSKI/THE POINTS GUY

Automotive rental elite standing

Cardmembers can enroll for complimentary elite standing with Avis Most well-liked Plus, Hertz Gold Plus Rewards President’s Circle and Nationwide Emerald Membership Govt Elite. Enrollment upfront is required for these advantages.

Rental automotive elite standing offers advantages like automotive upgrades, a free second driver and my favourite profit: skipping the road and going straight to your automotive firstly of your rental. Probably the greatest advantages of automotive rental elite standing in any program is the power to standing match with different rental automotive applications, serving to you acquire standing in quite a few applications concurrently.

Associated: Right here’s every part that you must learn about rental automotive elite standing

Pay With Factors rebate

When paying with factors for a flight via Amex Journey, Enterprise Platinum cardmembers can get 35% of their factors again. This is applicable to 2 varieties of bookings: flights in any cabin along with your preselected most popular airline or flights with any airline if the reservation is for enterprise class or firstclass.

Cardmembers can take pleasure in as much as a million factors refunded via this profit yearly. Reaching this most rebate would require spending 2,857,143 factors inside a calendar yr utilizing the Pay with Factors function to ebook qualifying flights.

Associated: Why I really like the Amex Enterprise Platinum’s Pay With Factors perk


High quality Inns + Resorts and The Resort Assortment

Amex Enterprise Platinum and Amex Platinum cardmembers can ebook stays with High quality Inns + Resorts (FHR) and The Resort Assortment (THC).

FHR stays embrace advantages like each day breakfast for 2, late checkout, complimentary Wi-Fi and room upgrades (if accessible at check-in). Every keep will even embrace a singular property amenity price $100, sometimes coming within the type of eating credit or spa credit. THC stays embrace room upgrades (if accessible at check-in) and a $100 property credit score to spend on qualifying eating, spa and resort actions.

Associated: A comparability of luxurious lodge applications from bank card issuers: Amex, Chase and Capital One

Bonus factors for airfare and motels

Enterprise Platinum cardmembers can earn 5 factors per greenback on airfare and pay as you go lodge bookings made via Amex Journey. When you will not earn bonus factors on flights booked immediately with airways or immediately with motels, the power to earn a ten% return on flights and motels (in response to TPG’s newest valuations) with none limits on spending or earnings per yr is unquestionably price your consideration.

This 5-points-per-dollar incomes fee consists of bookings with High quality Inns + Resorts and The Resort Assortment, as properly.

International Entry or TSA PreCheck software payment reimbursement

Cardmembers can obtain assertion credit to reimburse their software charges for International Entry ($100) or TSA PreCheck ($85). This profit is out there each 4 years for International Entry or each 4.5 years for TSA PreCheck.

These applications enable accredited vacationers to maneuver via airport safety checkpoints sooner, utilizing PreCheck lanes at designated airports and never needing to take off their footwear, for instance. International Entry customers have an extra profit, having the ability to use designated lanes when getting into the U.S. to maneuver via passport management sooner.

Associated: International Entry vs. TSA PreCheck: Which is healthier?


Annual Clear membership rebate

Clear just isn’t a authorities safety program but additionally helps accredited customers velocity via safety checkpoints at airports and choose stadiums utilizing biometrics. Enterprise Platinum cardmembers can obtain reimbursement of as much as $189 per yr for Clear membership charges. No advance enrollment is required for this profit; pay along with your Enterprise Platinum card to robotically obtain an announcement credit score.

Associated: Why it’s best to get TSA PreCheck and Clear — and how one can save on each

As much as $200 in annual airline credit

Touring can have ugly charges generally. These come within the type of paying for checked baggage, selecting your seat or upgrading to a greater seat in your flight.

Enterprise Platinum cardmembers can select one of many following airways as their most popular airline: Alaska Airways, American Airways, Delta Air Traces, Frontier Airways, Hawaiian Airways, JetBlue Airways, Spirit Airways, Southwest Airways or United Airways. Selecting a most popular airline upfront is required earlier than utilizing this profit, which may cowl change and cancellation charges, seat choice charges, improve charges, checked bag charges and extra.

Associated: The best way to use the Amex Platinum $200 airline payment credit score

Annual spending credit

Enterprise Platinum cardmembers can make the most of a number of credit: as much as $150 per yr with Adobe, as much as $120 per yr on cellphone plans, as much as $360 per yr with Certainly and as much as $400 per yr with Dell.


The Adobe credit apply to pay as you go enterprise plans for Artistic Cloud for groups or Acrobat Professional DC with e-sign for groups. The wi-fi companies profit is out there as as much as $10 per thirty days in assertion credit for wi-fi telephone service plans paid for along with your Enterprise Platinum card. You may obtain as much as $90 of assertion credit per quarter with Certainly. The Dell profit offers as much as $200 in assertion credit semi-annually.

Enrollment is required upfront for a few of these advantages. Maximizing these advantages offers $1,030 in assertion credit every year.

Associated: 9 issues to do whenever you get the Amex Enterprise Platinum Card

Different cardmember perks

Cardmembers can make the most of a number of different advantages.

The primary is that the Amex Enterprise Platinum has no preset spending restrict. Whereas conventional bank cards include a predetermined restrict of how a lot you’ll be able to spend in your card, playing cards just like the Enterprise Platinum and Platinum Card from Amex do not have these preset limits. As an alternative, how a lot you’ll be able to spend on the cardboard adjustments; your cost historical past, banking relationship, creditworthiness and different components decide this. This is usually a nice function for companies that spend loads on their playing cards and may then pay it off shortly.

Talking of paying payments shortly, the Enterprise Platinum card is designed for cardmembers to pay all the invoice in full every month. For those who aren’t in a position to pay the complete quantity, you might be able to carry a stability on some purchases by enrolling within the Pay Over Time function. Not all purchases might be eligible for Pay Over Time, and never paying your complete stability in full every month will seemingly end in paying curiosity. You additionally might be able to earn bonus factors via gives to enroll in Pay Over Time — and you’ll earn these bonus factors for enrolling even if you happen to by no means carry a stability.


Paying your month-to-month cellphone invoice along with your Enterprise Platinum card will even present cellphone safety to cowl your telephone towards loss or injury. There’s a most of $800 legal responsibility per declare, and every declare is topic to a $50 deductible. There’s additionally a restrict of two claims per eligible account in a 12-month interval. Coated telephones are restricted to cellphone strains listed on a cell phone plan paid with the eligible card throughout the newest billing interval.* Combining this profit with the month-to-month wi-fi credit coated above is an effective way to invoke insurance coverage advantages plus a reduction in your month-to-month cellphone invoice.

* Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

Associated: Your full information to purchasing protections on American Categorical playing cards

One other profit accessible to cardmembers is most popular entry, which may imply tickets to unique occasions, going to the entrance of the road for ticket gross sales on different occasions and even having access to hard-to-find eating reservations with Resy.

When making purchases, cardmembers will earn American Categorical Membership Rewards factors, which TPG values at 2 cents per level. Cardmembers will earn 5 factors per greenback on pay as you go flights and motels booked via Amex Journey. Moreover, cardmembers earn 1.5 factors per greenback on purchases of $5,000 or extra or purchases within the following classes throughout the U.S.: development materials and {hardware} suppliers, digital items retailers, software program & cloud system suppliers and at transport suppliers. Incomes 1.5 factors per greenback is proscribed to $2 million of purchases, then 1 level per greenback. All different purchases additionally earn 1 level per greenback.

Get pleasure from Marriot advantages at properties like The Koloa Touchdown at Poipu on the island of Kauai. JESSICA PUCKETT/THE POINTS GUY

Backside line

There are quite a few advantages included with the Amex Enterprise Platinum card. Some are annual credit and others provide assertion credit month-to-month or quarterly. Different advantages do not have a tangible price ticket, and the way you worth these advantages will fluctuate from one individual to a different.

Suppose you should utilize advantages like lounge entry, assertion credit and different journey perks. In that case, you will simply be capable of offset or overcome the Enterprise Platinum card’s annual payment every year — making it “price it” in your state of affairs. Nevertheless, for many who battle to make use of the cardboard’s credit or have a lot of its advantages via different credit of their wallets, it could be troublesome to justify paying $695 in years two and past.

Official software hyperlink: The Enterprise Platinum Card from American Categorical

For charges and charges of the Amex Enterprise Platinum, please click on right here.

Extra reporting by Benet Wilson, Mark Spivak, Jennifer Yellin and Eric Rosen.

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