The Enterprise Platinum Card® from American Specific Overview

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been wonderful and elevated each my journey and my enterprise. Others have been…effectively, lackluster.

Probably the greatest? 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 price is fairly excessive ($695, pay over time accessible. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard price carrying. I believe it’s an important selection for enterprise house owners who journey incessantly.

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 direction of enterprise house owners. (Keep in mind: even facet hustles and freelancing rely as companies so you may get this card even with out being an LLC.) First, let’s go over a few of the finest stuff you get whenever you enroll, which make it a no brainer to get for the primary 12 months:

• Restricted Time Supply: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout 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 along with your Enterprise Platinum Card® throughout 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 resorts, and short-term leases and pay as you go flight + resort 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 12 months. 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 nations. 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 12 months for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar 12 months whenever 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 12 months in assertion credit for purchases made straight from any U.S. wi-fi phone supplier (as much as $10 again per thirty 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 useful 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)
• Selection 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 instantaneous, although some can take as much as 48 hours.

You too can use your Membership Rewards factors to e book flights and resorts within the Amex Journey portal. I usually wouldn’t do that although because it’s not the most effective use of your factors. It’s all the time higher to switch them out to considered one of their companions. Nevertheless, you may get 35% factors again whenever you do e book through their portal so simply evaluate the factors prices between each earlier than making a call.

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 case you can make the most of all that it has to supply, the Enterprise Platinum boasts over $1,700 price of worth. However, with so many classes and a lot wonderful print, it may be onerous to maintain observe of whether or not a profit is definitely helpful to your spending habits. So, that will help you determine if the cardboard is best for you, I wish to break down a few of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, World Entry/TSA PreCheck)
Probably the greatest 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 (whenever you’re flying Delta, with as much as 10 visits per 12 months).

On prime of that, you’ll get complimentary entry to the massive Precedence Move community. If having a quiet area to calm down, seize a drink, or get some work accomplished is a precedence whenever you journey, this card has you lined just about wherever.

I additionally respect that the Enterprise Platinum helps you get by means of the airport quicker. It gives as much as $199 in assertion credit annually 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 a little bit extra effort (there’s an interview), nevertheless it consists of TSA PreCheck too. It’ll prevent a ton of time in case you journey internationally.

Airline and Lodge 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 might solely be used on one (pre-selected) airline, and you’ll solely use it for incidentals, not airfare. However in case you don’t have an airline bank card that provides free baggage, it may be helpful to have. You too can use the credit score for airline bills like paid seat choice or on-board food and drinks.

The Enterprise Platinum additionally gives just a few Hilton-related advantages. First, you’ll be able to 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 12 months to get the total worth of this credit score. However in case you’re on the highway quite a bit, that may be straightforward to do.

Second, the Enterprise Platinum gives complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which supply 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 case you’re managing a enterprise whereas touring, so I respect that the Enterprise Platinum helps offset these prices.

You’ll be able to rise 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 12 months on Certainly advertisements (as much as $90 every quarter), which is nice in case you’re hiring as what you are promoting grows.

If you happen to use Adobe instruments, there’s a $150 credit score accessible whenever you prepay yearly for eligible Adobe Inventive Cloud or Acrobat Professional plans for groups. And to maintain you related on the go, you’ll rise up to $120 a 12 months for purchases made straight with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Presents
On prime of all these precious assertion credit, the Enterprise Platinum offers you entry to Amex Presents, a straightforward approach to avoid wasting money or rack up further factors with a variety of outlets. These offers rotate frequently and are personalised, so what reveals up for you could be completely totally different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I all the time test Amex Presents 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 cellular phone safety for injury or theft, a uncommon however precious perk. For a most of $800 per declare, with a restrict of two authorised claims per 12-month interval, when your cellular phone 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 authorised declare.

So, whilst you may get away with the cardboard’s insurance coverage in case you e book the journey on the cardboard, I wouldn’t depend on it fully. However it’s higher than most!

Do you have to get this card?

The Enterprise Platinum is good for frequent vacationers who can take advantage of perks like smoother airport experiences and resort elite standing. If you happen to can make the most of just a few of the business-related assertion credit, the assertion credit alone make the excessive annual price price it. I get numerous worth from the cardboard by means of the assertion credit that make carrying the cardboard after the primary 12 months actually price it.

Whereas it’s true you solely get 1x level per greenback spent on something below $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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