The Enterprise Platinum Card® from American Specific Assessment

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 payment 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 excellent alternative for enterprise house owners who journey regularly.

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 house owners. (Bear in mind: even aspect hustles and freelancing rely as companies so you will get this card even with out being an LLC.) First, let’s go over a few of the finest belongings you get while you enroll, which make it a no brainer to get for the primary yr:

• Restricted Time Supply: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® inside 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 means of American Specific Journey together with your Enterprise Platinum Card® inside the first 3 months of Card Membership. You’ll be able to earn one or each of those gives. Supply ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go motels, 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 development materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and transport suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar yr. Purchases eligible for a number of further level bonuses will solely obtain the best eligible bonus.
• Complimentary entry to the American Specific World Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 international locations. Entry is proscribed to eligible Card Members.
• As much as $120 in assertion credit for World 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 yr for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar yr while 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 means of 6/30/25.
• As much as $120 per calendar yr in assertion credit for purchases made straight from any U.S. wi-fi phone supplier (as much as $10 again per 30 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 few of the most precious 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)
• Alternative 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 on the spot, although some can take as much as 48 hours.

You may as well use your Membership Rewards factors to e book flights and motels within the Amex Journey portal. I typically 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 considered one of their companions. Nevertheless, you will get 35% factors again while 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 a giant cause I like their playing cards. And, in the event you can make the most of 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 laborious to maintain monitor of whether or not a profit is definitely helpful on your spending habits. So, that will help you resolve if the cardboard is best for you, I need to break down a few of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, World 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 prime lounges worldwide, together with the superb Centurion Lounges and Delta Sky Golf equipment (while you’re flying Delta, with as much as 10 visits per yr).

On prime of that, you’ll get complimentary entry to the massive Precedence Move community. If having a quiet area to chill out, seize a drink, or get some work carried out is a precedence while you journey, this card has you coated just about wherever.

I additionally recognize that the Enterprise Platinum helps you get by means of the airport quicker. It gives as much as $199 in assertion credit every year for a CLEAR® Plus membership, which speeds you thru safety traces.

You’ll additionally get a credit score for World 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 World Entry. It takes somewhat extra effort (there’s an interview), but it surely consists of TSA PreCheck too. It’ll prevent a ton of time in the event you journey internationally.

Airline and Resort 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 possibly 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 provides free baggage, it may be helpful to have. You may as well 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 straight. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property at the very least 4 instances a yr to get the complete worth of this credit score. However in the event you’re on the highway rather a lot, that may be simple to do.

Second, the Enterprise Platinum gives complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which provide 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 recognize 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 means of June 30, 2025, cut up into $200 chunks each six months). There’s additionally as much as $360 again per yr on Certainly adverts (as much as $90 every quarter), which is nice in the event you’re hiring as your online business grows.

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

Amex Provides
On prime of all these priceless assertion credit, the Enterprise Platinum offers you entry to Amex Provides, a simple means to avoid wasting money or rack up further factors with a variety of outlets. These offers rotate frequently and are customized, 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 at all times examine Amex Provides 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 suggest shopping for a standalone coverage for medical, this card consists of robust 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 priceless perk. For a most of $800 per declare, with a restrict of two authorized 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 authorized declare.

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

Must you get this card?

The Enterprise Platinum is right for frequent vacationers who can benefit from perks like smoother airport experiences and lodge elite standing. When you can make the most of a couple of of the business-related assertion credit, the assertion credit alone make the excessive annual payment value it. I get numerous worth from the cardboard by means of the assertion credit that make carrying the cardboard after the primary yr actually value it.

Whereas it’s true you solely get 1x level per greenback spent on something beneath $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 gives, and companions you don’t discover wherever else make this card important for any enterprise proprietor.

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