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.
• Return protection
• Purchase protection
• Rental car insurance
• Baggage insurance
• Trip delay insurance
• Trip cancellation and interruption insurance
• Extended warranty
• 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.

No, you cannot earn the American Express Business Platinum card 150k points bonus, as it is an expired offer. The American Express Business Platinum card bonus is now 120,000 points for spending $15,000 within 3 months. Plus, you earn 1 - 5 points per $1 spent, depending on the type of purchase.

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.

What you earn instead of the American Express Business Platinum card 150k offer:

• Initial bonus: 120,000 points for spending $15,000 within 3 months.
• Ongoing rewards: 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.
• Airline bonus: Using Membership Rewards Pay with Points for all or part of a flight with your selected qualifying airline will get you a rebate on your points, up to a preset amount per calendar year, when you book on amextravel.com.

The American Express Business Platinum card 150k point offer is no longer available, but you can earn 120,000 points bonus points to start with instead. Plus, you have various point redemption options, such as flights, hotels, gift cards, taxis, Ubers, and cash back. To redeem points and view their worth, check out Amex's Rewards Points Calculator and select your American Express Business Platinum card from the drop-down menu.

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.  

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

1. Log in to your American Express Business Platinum card.
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) 528-4800
2. When the automated system asks what you would like to do, say “Replace a card.”
3. When prompted, enter your account number. From there, you will be connected to a live representative who should be able to help you.

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 features include bonus rewards 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 American Express Business Platinum card, the Business Green Rewards Card from American Express, and the American Express® Business Gold Card.

You can no longer earn the American Express Business Platinum card 100k bonus offer, because it is no longer available. The current offer, though, is 120,000 points for spending $15,000 within 3 months.

Here's what you need to know about the American Express Business Platinum card 120,000 points bonus:

• This card offers you 120,000 points for spending $15,000 within 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 earn your bonus.
• You can only earn one initial bonus per card, but additional card members can help meet the spending requirements.

You can also check our editors' latest picks for the best credit card sign-up bonuses on the market to weigh your options.

No, you can't earn the American Express Business Gold card 75k bonus anymore as the offer is no longer available. The current bonus is 70,000 points for spending $10,000 within 3 months of account opening. You can redeem your American Express Business Gold card points for a variety of things, including gift cards, statement credit, travel, and more. 

You can still earn a lot of bonus points with the current American Express Business Gold card promotional offers. Take a look at some of the card's other features below.

Here's what the American Express Business Gold card currently offers:

• High initial bonus. You'll earn 70,000 points for spending $10,000 within 3 months of account opening. In addition, points are worth up to 1 cent each. You can redeem your points for gift cards or book travel through Amex Travel. So, that's a worthwhile return on the $10,000 you have to spend. 
• Extra points in bonus categories. With this card you can earn 4 points per $1 in the two select categories with the most spending (up to $150,000 per year combined) and 1 point on all other purchases. The categories include airfare purchased directly from airlines, and U.S. purchases on advertising in select media, shipping, gas stations, computer hardware/software/cloud solutions, and 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 add employees as authorized users on your account. 
• Expense management tools. You'll get free access to mobile apps that will help you improve your cash flow and manage your account. You'll also get detailed yearly summaries. Plus, you can link your account to QuickBooks, which will help you keep track of your expanses. 
• Travel perks. You can get reimbursed for damage or theft of rental cars that you paid for with the American Express Business Gold card. You're also insured up to a specified amount for lost or damaged baggage, emergency assistance, and trip delays. Plus, there's a 0% foreign transaction fee for any transactions that involve international merchants. 

Moreover, Amex will sometimes temporarily boost their initial bonus offer on their website. So, make sure to occasionally check for any updates. You can also get other types of bonus points every month and various other perks to sweeten the deal. 

The decision to apply isn't a no-brainer, though. You should definitely consider other cards, too. A good option is the Ink Business Preferred® Credit Card, which offers 100,000 points for spending $15,000 in the first 3 months. Another decent choice is the Capital One Spark Cash Plus, which offers $500 for spending $5,000 in the first 3 months and $500 for spending $50,000 in the first 6 months. 

You can earn American Express Business Platinum card points by meeting the initial spending requirement, making ongoing purchases and redeeming your rewards for flights through Amex Travel. If you spend $15,000 in the first 3 months, you'll earn 120,000 bonus points. You'll also earn 1 - 5 points per $1 on 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 earn 120,000 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 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. They'll post to your account 10-12 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 1 million 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 fee. Since Amex points are worth up to one cent each, paying the fee is only worth it if you have a few thousand points or more.

The top American Express Business Platinum card travel benefits include 5 points / $1 spent on flights and hotels booked through 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 card is built for frequent travelers, there are several more.

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

• Rewards: You earn 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. New card members get 120,000 points for spending $15,000 within 3 months.
• 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 1 million points refunded per year.
• Airport lounges: American Express Business Platinum card members get free entry to 1,300+ airport lounges all over the world.
• Trip cancellation and interruption insurance: Eligible unexpected events that cause the cancellation or interruption of a trip paid for with your American Express Business Platinum card. For coverage details, select your card on Amex's dedicated web page.
• Rental car insurance: You're covered for theft or damage (up to the value of the car), as long as you pay with your American Express Business Platinum card and decline the rental company's insurance. You can view more details about coverage by selecting your card on Amex's dedicated web page.
• $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.
• TSA Pre-check or Global Entry credit: If you're accepted, Amex will cover your membership in TSA PreCheck or Global Entry.
• 0% foreign transaction fees: 0% extra fees when you make purchases in another country or online, through an internationally based merchant.

The American Express Business Platinum card travel benefits offer you peace of mind and comfort while traveling. And you get rewarded for booking through the right channels. So, the card's a contender if you spend a lot of time in airport lounges and hotels.

To log in to your The Business Platinum Card® from American Express account, go to the login page on the American Express website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log In” to access your online account. If you don't already have an account, you will need to start by clicking “Create New Online Account” in order to set up a username and password.

How to Log in to a American Express Business Platinum card Account

1. Register your American Express Business Platinum card for online account access. Click “Create New Online Account” and enter your card number and 4-digit card ID to verify your card account.
2. Choose your American Express Business Platinum card username and password. The username must be between 5 and 20 characters, including special characters, but no spaces. The password must contain from 8 to 20 characters and have at least one letter and one number. The password is not case sensitive and may contain special characters.
3. Log in with your new American Express Business Platinum card credentials. From the login page on the American Express website or mobile app, fill out the User ID and Password fields using your new credentials, and click “Log In” to access your account.

After you have signed up and logged in, you'll be able to manage your American Express Business Platinum card account online. You can pay your credit card bill, see card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot User ID or Password?” on the American Express login page. Then, just follow the prompts to reset or retrieve your username or password.

No, you can't earn the American Express Business Gold card 100k bonus anymore as the offer is no longer available. The current bonus is 70,000 points for spending $10,000 within 3 months of account opening. This offer is still 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:

Keep in mind that Amex reserves the right to take your bonus points away if they feel like you abused the system. For example, making a lot of purchases to meet the spending requirement and then returning them all is a form of misusing your card. But as long as you use your card responsibly, you'll be able to take advantage of the bonus offer.

However, it's not worth waiting around for another American Express Business Gold card 100k offer, especially since there's no guarantee that it will be available again. Plus, there are plenty of other cards out there with high initial bonus offers. A good example is the Ink Business Preferred® Credit Card, which offers 100,000 points for spending $15,000 in the first 3 months of account opening. 

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 at (800) 528-4800 to ask. That's because the American Express Business Gold card has “no pre-set 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 pre-set limit. You do have a limit on the card. It's just not stated, and it fluctuates every month. But you can call (800) 528-4800 or the number you see 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.