14 Less Popular Features of the American Express Business Platinum Card

Editor’s note: This post was updated The latest credit card information and benefits.

Platinum American Express Business CardDespite its annual fee of $695 (see rates and fees), it routinely ranks as one of the best business cards thanks to its premium travel benefits.

They also offer an exclusive TPG Welcome Bonus of 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases in the first three months of card membership – worth $3,000, according to the latest TPG ratings, matching the highest bid ever. This card.

But the card also offers a host of perks that may not be familiar to cardholders or those considering getting the card. Here is a list of some of the card’s best benefits, including some that you may not have noticed before.

Known benefits of the card

As a reminder, here’s the current offer on the card and some of the more popular travel perks.

by TPGPlatinum Business Card Currently earning 150,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Platinum Business Card within the first three months of card membership.

Known benefits of the card include:

Terms apply.

*Registration required for specific benefits.

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Related: Are MLMs Worth the Price? American Express Platinum Business Card Review

Zach Griff / The Points Guy

Less popular card benefits

Now that we’ve got the notable travel benefits out of the way, let’s get into the core benefits that cardholders might not take advantage of, or even know they have:

Trip cancellation and interruption insurance*: If you book an entire round trip with your Eligible Card and the flight is canceled for a “covered reason” – including bad weather, terrorist act, jury subpoena, illness or sudden injury to you, the traveler, or an eligible doctor – US Led Quarantine – you may receive compensation For non-refundable travel expenses of up to $10,000 per trip, up to a maximum of $20,000 per eligible account per consecutive 12-month period.

Flight Delay Insurance*: The Card’s Trip Delay Protection covers round-trip flights purchased entirely with an eligible Card. (This includes using the card to pay taxes and fees on award tickets or point payment tickets.) If your flight is delayed by more than six hours for a covered reason, this feature will reimburse you for unexpected expenses — such as meals, accommodation, and personal use items — up to $500 per trip And up to two claims per card in each consecutive 12-month period.

Lost or Stolen Baggage Insurance**: Like many other travel cards, this one offers insurance for lost or stolen bags. When you use your Card to purchase the entire fare on a shared carrier, coverage is provided up to $2,000 for checked baggage and up to a maximum of $3,000 for checked baggage and hand luggage per person. For New York State residents, there is a $2,000 per bag/bag limit per covered person with a maximum of $10,000 per person per trip.

Zach Griff / The Points Guy

Insurance against losses and damages arising from car rental: This is secondary rental insurance, not the primary insurance offered by other cards like Chase Sapphire Reservebut will cover up to $75,000 for damage or theft.

The level of eligibility and benefits varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and restrictions apply. Visit americanexpress.com/benefitsguide for details. Amex Insurance Company takes care of the insurance policies. Coverage is provided through the American Express Travel Related Services Company, Inc.

Purchase Protection**: This often-overlooked feature gives cardholders coverage for up to 90 days from the date of purchase if an item is stolen, accidentally damaged, etc. replace or refund the item to you.

Extended Warranty**: This feature adds up to an additional year to the original manufacturer’s warranty of five years or less. Coverage is up to $10,000 per item and $50,000 per account per calendar year.

return protection: Return Protection provides refunds to cardholders when a merchant does not return an eligible item for up to 90 days from purchase. The benefit applies to eligible purchases that are fully charged to your card up to $300 per item, up to a maximum of $1,000 per account in each calendar year, based on the date of purchase.

Eligibility and benefit levels vary by card. Terms, conditions and restrictions apply. Visit americanexpress.com/benefitsguide for details.

Pay over time feature: This is especially useful for small business owners whose cash flow can be erratic at times. If cardholders qualify, they can sign up and pay certain purchases over time, even though they earn interest on the balance, as with a credit card.

Reception and Guidance Services: Cardholders have access to a private phone service that can assist with tasks such as booking restaurants and events or delivering on-demand items. You have to call to activate this feature, but you can also sign up for text messages for added convenience.

Preferred sitting programme: Thanks to Amex connections, its premium card holders can access premium seating for cultural and sporting events based on availability.

Featured Private Jets Program: Cardmembers who purchase a Delta Private Jets Card (now part of Wheels Up) are entitled to a 20% discount on the published rates for certain rate categories valid at the time of booking.

Andres Morales

Connecting to QuickBooks: Amex business card holders get this feature, which automatically records transactions with the card linked to their Quickbooks account daily, making it much easier to keep track of purchases and expenses.

InCircle: This is the Neiman Marcus loyalty program. When you register your Platinum Business Card at InCircle, you earn 1 point for every dollar of eligible purchases deducted from your card at Neiman Marcus, Bergdorf Goodman, Last Call, Horchow or Cusp. For every 10,000 points you earn, you will receive a $100 InCircle Point Card. Points are not awarded for sales tax costs, shipping, alterations, gift wrapping, fur services, shoe repairs, handbags, optical jewelry, precious jewelry, monogram, salon products and services, and valet parking.

departing magazine: This is a luxury digital magazine exclusively for Platinum® Card from American Express and Platinum Business Card members.

Related Topics: Credit Card Facing: Amex Platinum vs. Amex Business Platinum

*Eligibility and benefits vary by card. Terms, conditions and restrictions apply. Visit americanexpress.com/benefitsguide for details. Insurance policies are insured by New Hampshire Insurance, an AIG company.

** Eligibility and benefits vary by card. Terms, conditions and restrictions apply. Visit americanexpress.com/benefitsguide for details. Amex Insurance Company takes care of the insurance policies.


Although the Business Platinum card comes with a lot of widely advertised perks, there are dozens of lesser-known benefits that can add tremendous value to the card if you maximize it.

This includes travel and purchase protection, as well as exclusive access to events, premium travel experiences, and more. If you hold the card or are considering applying for it, be sure to check out our detailed card benefits guide to make sure you take advantage of everything it has to offer.

Progressing: Platinum American Express Business Card

Additional reporting by Ryan Wilcox and Karissa Rawson.

For American Express Platinum Business Card rates and fees, click here.

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