The Enterprise Platinum Card® from American Specific Overview

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…properly, lackluster.

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

Whereas the annual price is fairly excessive ($695, pay over time out there. 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 important alternative 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 Specific?

The Enterprise Platinum Card® from American Specific is a journey rewards card geared in direction of enterprise house owners. (Keep in mind: even aspect hustles and freelancing depend as companies so you will get this card even with out being an LLC.) First, let’s go over a few of the greatest stuff you get once you join, which make it a no brainer to get for the primary 12 months:

• 1.5X factors (that’s an additional half level per greenback) on purchases at US development materials & {hardware} suppliers, digital items retailers and software program & cloud system suppliers, and transport suppliers, in addition to on every eligible buy of $5,000 or extra, as much as $2 million of those purchases per calendar 12 months. Purchases eligible for a number of extra level bonuses will solely obtain the best eligible bonus.
• Earn 5X Membership Rewards® factors on flights and pay as you go lodges booked on AmexTravel.com. 1X factors on different eligible purchases.
• 1.5X factors (that’s an additional half level per greenback) on purchases at US development materials & {hardware} suppliers, digital items retailers and software program & cloud system suppliers, and transport suppliers, in addition to on every eligible buy of $5,000 or extra, as much as $2 million of those purchases per calendar 12 months. Purchases eligible for a number of extra 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 $209 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 instantly 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 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 few of the most dear 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 instantaneous, although some can take as much as 48 hours.

It’s also possible to use your Membership Rewards factors to e-book flights and lodges within the Amex Journey portal. I typically 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 in every of their companions. Nevertheless, you will get 35% factors again once you do e-book through 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 really like their playing cards. And, when you can reap the benefits 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 high quality print, it may be onerous to maintain monitor of whether or not a profit is definitely helpful in your spending habits. So, that can assist you resolve if the cardboard is best for you, I wish to break down a few of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, International Entry/TSA PreCheck)
The most effective issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into a few of the high 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 high of that, you’ll get complimentary entry to the large Precedence Cross community. If having a quiet area to loosen up, seize a drink, or get some work finished is a precedence once you journey, this card has you coated just about wherever.

I additionally respect that the Enterprise Platinum helps you get by way of the airport quicker. It gives 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 $120 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 a bit extra effort (there’s an interview), but it surely contains 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 might solely be used on one (pre-selected) airline, and you may solely use it for incidentals, not airfare. However when 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 gives a couple of Hilton-related advantages. First, you may obtain as much as $200 in assertion credit at Hilton properties when booked instantly. 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 complete worth of this credit score. However when you’re on the street so much, that may be straightforward to do.

Second, the Enterprise Platinum gives complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which provide additional 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 respect that the Enterprise Platinum helps offset these prices.

You’ll be able to stand up to $400 in assertion credit on U.S. Dell purchases (by way of June 30, 2025, cut 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 when you’re hiring as your corporation grows.

In case you use Adobe instruments, there’s a $150 credit score out there once you prepay yearly for eligible Adobe Inventive 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 instantly with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Presents
On high of all these precious assertion credit, the Enterprise Platinum provides you entry to Amex Presents, a straightforward manner to avoid wasting money or rack up additional factors with a variety of outlets. These offers rotate often and are personalised, so what exhibits up for you is perhaps completely completely 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 private card gives 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 contains sturdy built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally contains mobile phone safety for injury or theft, a uncommon however precious perk. For a most of $800 per declare, with a restrict of two accredited claims per 12-month interval, when your mobile 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 accredited declare.

So, whilst 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. But it surely’s higher than most!

Must you get this card?

The Enterprise Platinum is right for frequent vacationers who can take advantage of perks like smoother airport experiences and resort elite standing. In case you can reap the benefits of a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual price price it. I get numerous 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 pretty much as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex gives, and companions you don’t discover wherever else make this card important for any enterprise proprietor.

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