The Enterprise Platinum Card® from American Specific Evaluation

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…effectively, lackluster.

Top-of-the-line? The Enterprise Platinum Card® from American Specific. It comes with a variety of world-class perks and advantages, high quality buyer care, and a strong rewards construction (particularly on giant purchases).

Whereas the annual charge 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 feel it’s an ideal alternative for enterprise homeowners who journey continuously.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Specific?

The Enterprise Platinum Card® from American Specific is a journey rewards card geared in the direction of enterprise homeowners. (Bear 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 a number of the finest belongings you get once you enroll, 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 Specific Journey together with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You possibly can earn one or each of those affords. Provide ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go resorts, 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 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 best eligible bonus.
• Complimentary entry to the American Specific International Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 nations. 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 Inventive 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 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 Specific. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are a number of the most beneficial 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)
• Selection 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 prompt, although some can take as much as 48 hours.

It’s also possible to use your Membership Rewards factors to e book flights and resorts 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 at all times higher to switch them out to certainly one of their companions. Nevertheless, you may 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 motive I like their playing cards. And, in the event you can benefit from all that it has to supply, the Enterprise Platinum boasts over $1,700 value of worth. However, with so many classes and a lot effective print, it may be exhausting to maintain observe of whether or not a profit is definitely helpful in your spending habits. So, that can assist you determine if the cardboard is best for you, I wish to break down a number of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International Entry/TSA PreCheck)
Top-of-the-line issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into a number of the prime lounges worldwide, together with the wonderful Centurion Lounges and Delta Sky Golf equipment (once you’re flying Delta, with as much as 10 visits per 12 months).

On prime of that, you’ll get complimentary entry to the large Precedence Move 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 lined just about wherever.

I additionally respect that the Enterprise Platinum helps you get by way of the airport quicker. It affords as much as $199 in assertion credit annually for a CLEAR® Plus membership, which speeds you thru safety traces.

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 a bit of extra effort (there’s an interview), nevertheless it consists of TSA PreCheck too. It’ll prevent a ton of time in the event 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 could solely be used on one (pre-selected) airline, and you’ll solely use it for incidentals, not airfare. However in the event you don’t have an airline bank card that gives free baggage, it may be helpful to have. It’s also possible to use the credit score for airline bills like paid seat choice or on-board foods and drinks.

The Enterprise Platinum additionally affords 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 no less than 4 instances a 12 months to get the total worth of this credit score. However in the event you’re on the highway lots, that may be straightforward to do.

Second, the Enterprise Platinum affords complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which supply 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 in the event you’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 (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 advertisements (as much as $90 every quarter), which is nice in the event you’re hiring as your enterprise grows.

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

Amex Gives
On prime of all these precious assertion credit, the Enterprise Platinum provides you entry to Amex Gives, a straightforward manner to avoid wasting money or rack up further factors with a variety of outlets. These offers rotate recurrently and are customized, so what exhibits up for you may be 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 at all times test Amex Gives earlier than I buy. (The private card affords 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 consists of sturdy built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally consists of cellphone safety for harm or theft, a uncommon however precious perk. For a most of $800 per declare, with a restrict of two authorised claims per 12-month interval, when your cellphone 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 authorised declare.

So, when you might get away with the cardboard’s insurance coverage in the event 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 right for frequent vacationers who can profit from perks like smoother airport experiences and lodge elite standing. For those who can benefit from a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual charge value it. I get a variety of worth from the cardboard by way of the assertion credit that make carrying the cardboard after the primary 12 months actually value 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 affords, and companions you don’t discover wherever else make this card important for any enterprise proprietor.

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