The best American Express Business Platinum card benefits are return protection, purchase protection, and expansive travel insurance protections. The American Express Business Platinum card also has rental car insurance and extended warranty, which are more common perks across American Express credit cards. In addition to its many benefits, the American Express Business Platinum card also comes with a welcome offer of 120,000 points for spending $15,000 within 3 months. And there are extensive ongoing rewards consisting of 1 - 5 points per $1 spent on purchases.
American Express Business Platinum card Benefits
Rewards: 120,000 points for spending $15,000 within 3 months; 5 points per $1 spent on flights and prepaid hotels on amextravel.com, 1.5 points per $1 on U.S. construction material and hardware, U.S. electronic goods, U.S. shipping as well as on purchases of $5,000 or more (up to $2 million of these purchases per year combined), and 1 point per $1 on all other purchases
Annual credits: Annual statement credits on select purchases, including Dell Technologies, Indeed, Adobe, and wireless telephone purchases.
Rental car insurance
Trip delay insurance
Trip cancellation and interruption insurance
Cell phone protection
To view the full extent of your benefits, consult your American Express Business Platinum card guide to benefits. You can also visit Amex's retail and travel benefits web page where you can view specific policies for each benefit. Simply select "Eligible Cards" under the benefit, find your your American Express Business Platinum card in the list, and click "View Policy".
The American Express Business Platinum card has a $695 annual fee, but its rewards and benefits can offset this cost and bring added value. As long as you have good credit or better (a credit score of 700+), the American Express Business Platinum card is certainly a card to consider adding to your wallet.
Yes, the American Express Platinum card does have travel insurance benefits, the best of which are trip cancellation and interruption insurance and car rental loss and damage insurance. To be eligible to file a travel insurance claim, you’ll need to pay for your travel using your American Express Platinum card.
Types of American Express Platinum card Travel Insurance
Trip delay insurance: This benefit reimburses you for necessary expenses – such as a hotel room, for example – if your trip is delayed for more than 6 hours.
Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses.
Lost/damaged baggage insurance: If your luggage is lost or stolen, you can get reimbursed for the contents of the luggage up to $3,000 for carry-on baggage and up to $2,000 for checked baggage, per covered person.
Rental car insurance: This benefit covers the cardholder for damage to the rental vehicle that results from collision or theft.
Exclusions and coverage limits apply to many of these benefits, so make sure to check your American Express Platinum card’s guide to benefits for more details on each type of insurance.
American Express points are worth 0.67 cents per point, on average. The value of American Express points depends on how you choose to redeem the points. For example, points from American Express are worth up to 0.77 cents each when redeemed for travel through the Membership Rewards program, and they are worth 0.6 cents each when redeemed for cash back. … read full answer
American Express Points Worth by Redemption Method
Tips for Maximizing the Value of American Express Points
Redeem Points for Travel.
American Express points are worth the most when redeemed for travel.
Redeem American Express points regularly.
American Express points do not expire due to account inactivity, but stockpiling points does put you at risk of rewards devaluation. Plus, you won't get to enjoy the fruits of your spending if you don't redeem.
Keep your account in good standing.
If American Express closes your account because of a failure to pay the bill or fraudulent activity, you'll lose any unredeemed points you have saved. And if you pay late, you might have to pay a fee to get back the points from that billing period.
Redeem before closing your account.
Any points you don't redeem before closing your account will be lost, unless you keep another American Express credit card account open.
Yes, the American Express Business Platinum card has been a metal card since March 30, 2017. So, if you’re opening a new account, you’ll automatically be issued a metal card. But if you already have a plastic card from before the switch, you can still switch to metal. There’s no fee for ordering an American Express Business Platinum card, and it should arrive within 3 business days. … read full answer
Here’s how to get an American Express Business Platinum card metal card online:
Log in to your American Express Business Platinum card.
Go to “Card Management” and select “Order Replacement Card.”
“Request Metal Card” will be one of your options.
Here’s how to get an American Express Business Platinum card metal card by phone:
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