The best American Express Business Platinum card benefits are 100,000 points for spending $15,000 within 3 months; 5 points / $1 spent on certain spending categories, and access to more than 1,200 airport lounges worldwide. Other benefits include trip cancellation and interruption insurance, rental car insurance, and baggage insurance. And there's a perk that gives 35% of redeemed points back with a selected airline (or any airline for first class and business class flights).

Some American Express Business Platinum card benefits aren't exactly for everyone. Presumably, not every American Express Business Platinum card cardholder will take advantage of the 20% discount on flights with the Delta Private Jet program. But all worldwide travelers will enjoy the 0% foreign transaction fees and the complimentary Priority Pass Select membership, which gets you and up to two guests into Priority Pass lounges for free.

The benefits list for American Express Business Platinum card is long, but the card is only worth its $595 annual fee if you use these benefits often.

Here are some of the top American Express Business Platinum card benefits:

• Airline fee credit: $200 per year in statement credits for airline charges like baggage fees and in-flight refreshments. Applies to one airline selected by cardholder.
• TSA PreCheck or Global Entry credit: Statement credit for the cost of applying for TSA Pre-check ($85) OR Global Entry ($100) every 4-4.5 years.
• Hotel perks: Staying at one of the 1100+ Amex partner hotels provides perks like late checkout, hotel credits and complimentary room upgrades.
• Airport lounge access: Access to over 1,200 airport lounges around the world with the American Express Global Lounge collection.
• 35% redemption bonus: 35% of redeemed points back when used at one selected airline. 35% back on all first class/business class flights regardless of airline.
• Trip cancellation and interruption insurance: Up to $10,000 in compensation per covered trip ($20,000 per year) for cancellation or interruption of you or a family member's travel plans due to accidental injury or illness, bad weather, hijacking, jury duty, or damage to your primary residence.
• Rental car insurance: Covers theft and collision damage for the first 30 days of a rental. Coverage is up to $75,000. Must charge the rental to American Express Business Platinum card and decline the rental company's insurance.
• Baggage insurance: Up to $3,000 per person per trip if baggage gets lost, stolen, or damaged while traveling. Coverage applies to cardholder, spouse and dependent children under 23. The whole reservation must be charged.

Those aren't the only American Express Business Platinum card benefits. But they are the most broadly useful. Most of the other perks are special experiences without a clear dollar value. For example, there's preferred seating at concerts. Or, there are services that very few people need, like private jet bookings.

No, you cannot get the American Express Business Platinum card 150k point bonus, as it is an expired offer. The American Express Business Platinum card bonus is now 100,000 points points for spending $15,000 in your first 3 months.

Initial bonuses are just a one-time thing though, and they can obviously change. So, it's worth looking at the whole rewards package to see if this card is right for you.

Here's what you get instead of the American Express Business Platinum card 150k offer:

• 100,000 points points for spending $15,000 in the first 3 months after opening your account
• 5 points / $1 spent on hotels and flights booked through amextravel.com
• 1.5 points per dollar on purchases of $5,000 or more, up to a million points a year
• 1 point / $1 on all other purchases
• 35% of your points back when you use them to pay for up to 500,000 bonus points per calendar year when you book on amextravel.com

The Business Platinum Card® from American Express 150k point offer is no longer available, but you can get up to 100,000 points bonus points to start with instead. And you can redeem those points for flights, hotels, gift cards, taxis, Ubers, and cash back, at a value of one cent each.

There has been an American Express Business Platinum card metal card since March 30, 2017. So, if you're opening a new American Express Business Platinum card 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 Amex Business Platinum metal card, and it should arrive within 3 business days.

Here's how to get an American Express Business Platinum card metal card online:

1. Log in to your Amex Business Platinum Account.
2. Go to “Card Management” and select “Order Replacement Card.”
3. “Request Metal Card” will be one of your options.

Here's how to get an American Express Business Platinum card metal card by phone:

1. Call customer service at (800) 492-4344
2. When the automated system asks what you would like to do, say “order a new metal card.”
3. When prompted, enter your account number. From there, the automated system will guide you through the replacement process.

You should get your new metal card within three business days. Till then, you can keep using your current plastic card.

By the way, a new metal American Express Business Platinum card isn't the only change Amex announced in March 2017. Other new features include 5 points per dollar on flights and hotels booked with Amex Travel, access to more airport lounges, and complimentary cards for up to 99 authorized users. Those extra cards include the Business Green Rewards Card from American Express, though, not the American Express Business Platinum card. So, the perks aren't as good. 

You can get the American Express Business Platinum card 100k point bonus by spending $15,000 within 3 months of opening your account.

Here's what you'll get in addition to American Express Business Platinum card 100k bonus:

• 100,000 points points for spending $15,000 in your first 3 months.
• The points will be credited to your account 8-12 weeks after you meet the spending threshold.
• Your account can't be canceled or past due when Amex posts your points, or you won't get your bonus.
• You can only get one initial bonus per card, but additional card members can help meet the spending requirements.

You can get the American Express Business Platinum card 100k point bonus by spending $15,000 on purchases in 3 months. And the bonus is only worth it if that's a natural fit for your business' spending patterns.

No, the American Express Business Gold card 75k bonus is no longer available. It was a promotional offer that has expired. The current American Express Business Gold card bonus is 70,000 points when you spend $10,000 in the first 3 months from account opening. Points are worth up to 1 cent each when you redeem them for gift cards or book travel through Amex Travel, so that's a worthwhile return on the $10,000 you have to spend. And that also covers the $295 annual fee for two years and then some.

That's not the only way to earn a lot of American Express Business Gold card bonus points either. Take a look at some of the card's other features below.

Here's what you get instead of the American Express Business Gold card 75k bonus:

• High initial bonus. 70,000 points for spending $10,000 in the first 3 months. And points are worth up to 1 cent each, so the initial bonus amounts to a lot more than most cards give you.
• Extra points in bonus categories. Amex gives you 4 points per $1 in the two categories with the most spending (up to $150,000 per year combined) and 1 point on all other purchases. Bonus categories include: airfare purchased directly from airlines, U.S. advertising, U.S. shipping, U.S. gas stations, U.S. hardware/software/cloud computing and U.S. restaurants.
• Airline Bonus. You get 25% of your points back after using them to book flights through Amex Travel, up to 250,000 per calendar year.
• Free employee cards. You can make employees authorized users on your account. The first card is subject to an annual fee, but all cards after that are free.
• Expense management tools. You'll get free access to mobile apps to pay your bills and manage your account, detailed yearly summaries and the ability to link your account to Quickbooks.
• Travel perks. You can get reimbursed for damage to or theft of rental cars that you pay for with American Express Business Gold card. You're also insured up to a specified amount for lost or damaged baggage, medical assistance and trip delays. And you can get free roadside assistance four times per year. And there's a 0% foreign transaction fee for any transactions that involve international merchants.

To recap, the American Express Business Gold card 75k bonus has been replaced with 70,000 points for spending $10,000 in the first 3 months. Amex will sometimes temporarily boost their initial bonus offer on their website, so make sure to occasionally check for any updates. You can get other types of bonus points every month. And various other perks, from free cards for employees to travel insurance, sweeten the deal. The decision to apply isn't a no-brainer, though. You should definitely consider other cards, too, like Ink Business Preferred® Credit Card (100,000 points initial bonus for spending $15,000 in the first 3 months) and Capital One® Spark® Cash for Business ($500 initial bonus for spending $4,500 in the first 3 months).

American Express Business Platinum card vs. American Express Platinum card comes out in favor of American Express Business Platinum card because it offers up to 100,000 points bonus for spending a combined $15,000 in the first 3 months after account opening. It also gives an extra 50% more points on purchases of $5,000 or more. Both cards give 5 points per $1 spent on flights and hotels booked on amextravel.com. Other purchases get 1 point per $1. Both cards offer a $100-$200 annual airline fee credit and have $0 foreign transaction fees.

There are a few other differences in the cards' terms, though. American Express Business Platinum card offers a higher initial bonus than American Express Platinum card, which gives 100,000 points but requires only $6,000 on purchases to get it. Rewards exclusive to the business card include a 35% refund on up to 500,000 points redeemed for airfare with one selected airline each year. There's also a 35% refund when using points for any first-class or business-class flight. And American Express Business Platinum card offers a $200 annual statement credit for purchases with Dell.

The personal American Express Platinum card card offers a $200 annual Uber credit and a $100 annual Saks Fifth Avenue credit. But it has a $695 annual fee. The American Express Business Platinum card card's fee is a little more expensive, at $595.

If you're looking to add authorized users, the personal American Express Platinum card card would be the better deal. You can add up to three authorized users for a single annual fee of $175. American Express Business Platinum card charges $300 per additional card.

You will earn American Express Business Platinum card points when meeting an initial spending requirement, making ongoing purchases and redeeming your rewards for flights through Amex Travel. You can spend $15,000 in the first 3 months for 100,000 bonus points. You'll also get 5 points per $1 spent on flights and prepaid hotels on amextravel.com, 1.5 points per $1 on purchases of $5,000 or more (up to 1 million additional points per year), and 1 point per $1 on all other purchases. Plus, when you use points to pay for eligible First and Business Class flights booked through Amex Travel, you'll get 35% of them back.

Your points will show up in your account somewhere between 6-12 weeks after you earn them, depending on the type of bonus.

Here's how you earn American Express Business Platinum card points:

• Initial Bonus: You get 100,000 points for spending $15,000 within 3 months You'll get your points 8-12 weeks after you meet the spending requirements.
• Ongoing Rewards: You earn 5 points per $1 spent on flights and prepaid hotels on amextravel.com, 1.5 points per $1 on purchases of $5,000 or more (up to 1 million additional points per year), and 1 point per $1 on all other purchases. They'll post to your account 8-12 weeks after you make such a purchase.
• Airline Bonus: You get a 35% rebate on points used to pay for first class or business class flights on amextravel.com. You can earn up to 500,000 points per year with this bonus. They'll show up in your account 6-10 weeks after you book a flight.

If you don't make your minimum payment on time, you forfeit your points for that month. You can get those points back, but you have to pay a $35 fee. Since Amex points are worth up to one cent each, paying the fee is only worth it if you have 3,500 points or more.

The American Express Business Platinum travel benefits start with 5 points per dollar on flights and hotels at the Amex travel site. You also get a 35% points bonus when you use points to pay for flights. Plus, you get access to airport lounges around the globe.

Those are the some of the most notable benefits, but since American Express Business Platinum was built for frequent travelers, there are several more.

Here are the top 10 American Express Business Platinum travel perks:

1. Points earning: You get 5 points per dollar on flights and eligible hotels booked through amextravel.com. And you get 100,000 points for spending $15,000 in your first 3 months.
2. 35% airline bonus: When you use you points to book first class or business class flights at amextravel.com, you get 35% of them back. The limit is 500,000 points refunded per year.
3. Airport lounges: Amex Business Platinum card members get free entry to 1,000+ airport lounges all over the world.
4. Travel accident insurance: You are insured up to $3.5 million for death or serious injury aboard planes, ships, trains, and taxis when you book your reservation with Amex Business Platinum. Your spouse, dependent children, and additional card members are included. They just have to be on your reservation.
5. Rental car insurance: You're covered for theft or damage (up to the value of the car), as long as you pay with your Amex Business Platinum card and decline the rental company's insurance.
6. Baggage insurance: You're covered up to $3,000 per person per trip if your baggage gets lost, stolen, or damaged. Your spouse and any dependent children on your reservation are also covered.
7. $200 airline fee credit: Amex will reimburse you up to $200 a year for charges like baggage fees and in-flight food and drink. This benefit can only be applied to one airline per year.
8. TSA Pre-check or Global Entry credit: If you're accepted, Amex will cover your membership in TSA Pre ($85) or Global Entry ($100).
9. Hotel perks: You can get free upgrades, late checkouts, and other benefits when use your Business Platinum card to book a stay in one of the 900+ Amex partner hotels.
10. No foreign transaction fees: You won't pay any extra fees when you make purchases in another country.

American Express Business Platinum travel benefits offer you peace of mind and comfort while traveling. And they pay you extra for booking if you do it right. So the card's a contender if you spend a lot of time in airport lounges, the friendly skies and hotels.

You can no longer get the American Express Business Gold card 100k bonus points. Amex offered the 100k bonus for a limited time, but it is no longer available. Instead, the American Express Business Gold card offers 70,000 points for spending $10,000 within 3 months. And that's definitely on the higher end of the spectrum as far as credit card bonuses go.

Here's what you get instead of the American Express Business Gold card 100k bonus:

• You get .
• You also get a 25% rebate on points redeemed for eligible airfare through Amex Travel.
• Bonus points are worth up to 1 cent each, depending on how you redeem them. Booking flights through Amex Travel, for instance, will get you 1 cent per point.
• You also get benefits like trip-delay insurance, car rental insurance, purchase protection in the form of refunds for eligible lost or damaged items, and extended warranties.

One last thing to keep in mind about the American Express Business Gold card 70,000 points is that Amex reserves the right to take your points away if they feel like you abused the system. One example they give is making a lot of purchases to meet the spending requirement and then returning them all. But as long as you're acting responsibly, you'll be able to take advantage of a good offer.

It's not worth it to sit around waiting for another American Express Business Gold card 100k offer. It may or may not be offered again. And there are plenty of other cards out there with big initial bonuses. That includes the Ink Business Preferred® Credit Card, which offers 100,000 points for spending $15,000 in the first 3 months. 

It's actually impossible to tell what your American Express Business Gold card credit limit will be. Amex won't even tell you what it is after you get approved. You have to call customer service to ask. That's because the American Express Business Gold card has “no preset spending limit,” which means the amount you're allowed to spend can change every month. It can be a confusing system at first, but getting a feel for what affects the limit will help.

Here's how the American Express Business Gold card credit limit works:

• You have no-preset limit. You do have a limit on the card. It's just not stated, and it fluctuates every month. But you can call the number on the back of your card to ask what your current spending cap is. You can also call to ask for more spending power if you're planning to make a big purchase.
• Your spending affects your limit. Amex takes your past spending into account when deciding your limit. If you haven't been using up a lot of your available credit thus far, you may actually receive more as a reward for being responsible.
• Payment history is important. American Express Business Gold card is a charge card, meaning you're supposed to pay off the full balance every month. If your payment is late, they'll charge a fee and maybe even lower your limit.
• Amex looks at overall credit history. If you pay your other loans and lines of credit on time every month and keep your credit utilization low, Amex will see you as more trustworthy and will be more likely to increase your spending power.

If you end up getting American Express Business Gold card, make sure to keep track of your spending. You may want to give Amex a call if you're ever approaching what you spent last month, just to see how much room you've got left. It's also worth noting that no preset spending limit credit cards can create problems for your credit score. Because there's no single, static credit limit, the account's highest balance may be used instead. That means your credit utilization will be calculated by dividing the balance listed on your monthly statement by the biggest monthly balance you've had since opening the account. So, if you usually spend about the same amount, unfairly high utilization could hurt your credit score.

American Express Business Gold card's complicated credit limit isn't for everyone. And that's fine. There are plenty of great business credit cards with standard minimum credit limits you can choose from.