American Express · Personal
The Business Platinum Card from American Express
$895 a year, charged on your account anniversary
Four of the six Business Platinum credits need a one-time enrollment before any spending counts, and American Express will not apply them retroactively.
Credits, and when they reset
Every month
- $10 $10 wireless credit resets on the 1st of each monthNeeds enrollment Amex won't backdate enrollment.
Every quarter
- $50 $50 Hilton credit resets every quarter (January, April, July, October)Needs enrollment Amex won't backdate enrollment.
Every six months
- $300 $300 hotel credit resets twice a year, in January and July
Every year
- $200 $200 airline fee credit resets on January 1Needs enrollment Select your airline first.
- $250 $250 Adobe credit resets on January 1 unlocks after $600 of spend, so it is not counted below
- $209 $209 CLEAR+ credit resets on January 1
- $150 $150 Dell credit resets on January 1
Every few years
- $120 $120 Global Entry or TSA PreCheck credit available again every 5 years
Once
- $0 Priority Pass one-time, with no resetNeeds enrollment
What counts, and what doesn't
- 4 credits need a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply it retroactively.
- Some credits only unlock after a spend threshold. Those are listed above but left out of the total, because you do not get them by default.
- Credits do not roll over. Whatever is unused when the period ends is gone.
Is it worth the fee?
$1,479
Up to $1,479 a year in credits against a $895 fee. On paper the credits more than cover it. Whether it's worth it depends on which ones you'd actually use.