American Express Platinum Business Card

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.

Point calculations are accurate as of 14 January 2026 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official American Express page for the updated calculations.

Designed to reward businesses that want to maximise their points-earning potential while enjoying extensive travel features and practical business tools, the American Express Platinum Business Card now delivers a range of new and enhanced extras, 350,000 Membership Rewards Bonus Points offered to new Card Members. Offer ends 14 July 2026, when you apply, are approved and spend a minimum of $12,000 in the first 3 months of approval. T&Cs apply.

Known for its exceptional service and excellent travel and lifestyle benefits, the American Express Platinum Business Card has further elevated its membership experience with all-new extras such as ALL Accor+ Explorer membership, and up to 55 cash flow days, while enhancing existing features by adding Hotel Elite tier status, and access to more than 1,550 airport lounges across 140 countries.

• BONUS OFFER: Earn 350,000 Membership Rewards Bonus Points. T&Cs and minimum spend applies
• Earn 2.25 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent
• Flexible redemption options, including Everyday Rewards – transfer your Membership Rewards points to Everyday Rewards to redeem at Woolworths, Big W, BWS, EG, or Ampol for everyday business purchases or employee rewards
• Enjoy complimentary benefits, average US$550 in value at over 1,800 world-class properties worldwide with Fine Hotels + Resorts
• ALL Accor+ Explorer membership (valued at $349 per year) offers free nights stay and dining discounts across the Asia Pacific
• Hotel Elite tier status – partners include Radisson Hotel Group, Marriott Bonvoy™, and Hilton
• Access to more than 1,550 airport lounges across 140 countries with the Global Lounge Collection for primary and Employee Card Members
• Complimentary Travel Insurance for both primary and Employee Card Members when you pay for your return trip with your Card (including limited cover related to COVID-19, T&Cs apply)
• Get up to $125 back with Dell Technologies transactions. Benefit ends 31 December 2026
• Up to 55 cash flow days
• Up to 99 Employee Card Members at no extra cost

• To be eligible for the bonus points offer, you must apply via the link on this page, get approved, and spend a minimum of $12,000 in the first 3 months of approval
• Offer is available to new American Express Card Members only. Anyone who has held any other card issued by American Express within the previous 18 months is ineligible for this offer

This Card: The Lowdown

Aimed at small and medium-sized businesses, the American Express Platinum Business Card is the ideal option for business owners who want to earn more points on travel and business expenses, while also benefiting from an extensive range of travel and lifestyle features and a range of useful business tools.

As it is a charge card, not a credit card, the American Express Platinum Business Card has flexible spending power as long as the balance is paid in full each month. Businesses can apply for up to 99 Employee Card Members on the account, with 55 days to pay. This can offer a flexible cash flow arrangement to businesses that want an alternative to a business credit card.

If you need more time to pay off your statement you can use Amex's Flexible Payment Option (FPO)* to pay a portion of your balance in instalments. When you apply, you'll be given a maximum amount you can use towards a FPO (much like a credit card limit, but for the amount you can allocate to flexible repayments). FPOs are charged at either the normal purchase rate or the rate specified on your monthly statement and may include other fees.

*With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Full terms and conditions can be found on the Amex website.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the American Express Platinum Business Card, so you can decide whether this card is right for you.

Firstly, as of 15 February 2024, American Express launched its Amex Experiences App that gives you even more travel offers, events, and member benefits, including exclusives like Amex pre-sales and special event tickets. You'll be able to access information on booked hotels and find recommended businesses around the globe. It’s an easy way to maximise your Amex Membership benefits in one place.

Just note that the new app doesn't replace the Amex App that you use to manage your banking. To download the new app, search for 'Amex Experiences' (available on Google Play and via the App Store).

This Card: As a Rewards Card

Helping to offset that annual fee – in the first year, at least – these bonus points could get you to New Zealand and back, with a return Economy Classic Flight Reward from Sydney to Auckland (plus taxes, fees, and carrier charges).

To be eligible for this offer, you must apply, get approved, and spend a minimum of $12,000 in the first 3 months. After that spend criteria has been met, the 350,000 Membership Rewards Bonus Points will be deposited to your account within 8–10 weeks.

However, if you currently hold or have previously held any other card issued by American Express (not including bank-issued American Express cards), you will not be eligible for the offer.

Earning Points

As a Platinum Business Card Member, you can earn points on all your Business Card spend:

• Earn 2.25 points per $1 spent excluding government spend in Australia where you’ll earn 1 point per $1 spent

Spending Points

The Membership Rewards program is extremely flexible. Points can be redeemed for flights, hotels, car hire, gift cards, or converted to frequent flyer programs including Asia Miles, KrisFlyer, and more. Points can also be redeemed for statement credits or everyday purchases via Everyday Rewards.

This Card: As a Travel Rewards Card

For most businesses, the American Express Platinum Business Card is prized for its travel features. Here’s a snapshot:

ALL Accor+ Explorer Membership

New Card Members get ALL Accor+ Explorer membership, valued at $349 per year. Benefits include two complimentary ‘Stay Plus’ nights per year at 1,300+ Accor hotels in Asia Pacific, 30% off meals for up to 10 guests, and 15% off drinks at 1,600+ participating restaurants. Members also receive ALL Accor Gold status, giving access to room upgrades, late check-outs, and priority service.

Lounge Access

Access more than 1,550 airport lounges across 140 countries via the Global Lounge Collection. Available for both primary and Employee Card Members.

Luxury Hotel Benefits

Hotel Elite tier status at Marriott Bonvoy™, Hilton Honors, and Radisson Hotel Group. Plus, access to 1,800 Fine Hotels + Resorts and 1,300 The Hotel Collection locations, offering US$550+ in value on average for stays of two nights, including room upgrades, late check-outs, free breakfast, and property credits.

Travel Insurance

Complimentary domestic and international travel insurance extends to both primary and Employee Card Members when you pay for your return trip with your Card. Spouses and dependent children under 25 are also covered when travelling with the Card Member. Terms, conditions, cover limits and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).

American Express Travel

Provides access to exclusive business class fares, partner airline discounts (including British Airways, Etihad, Emirates, Singapore Airlines), and hotel partner benefits.

This Card: Extras on Offer

Other useful features include up to 55 cash flow days, transaction data feeds to MYOB accounting software, and tools to track expenditure using Quicken, MYOB®, or Microsoft® Excel. Insurance covers include Buyer's Advantage Cover, Card Purchase Cover, Card Refund Cover, Trip Cancellation and Amendment Cover, Public Transport Accident Cover, Travel Inconvenience Cover, and Loss Damage Waiver Cover for rental vehicles. Plus, access to Platinum’s By Invitation Only program events, Emergency Card replacement, and award-winning support.

This Card: The Essentials

As it is a charge card, not a credit card, you need to pay the full balance each month. Your spending is approved based on credit history, financial resources, and payment behaviour. Eligible applicants must be over 18, have a good credit history, be Australian citizens or permanent residents, earn $75,000+ annual business revenue, and have a valid ABN registered for GST.

Decision Time

The American Express Platinum Business Card offers an abundance of features. New Card Members can receive 350,000 Membership Rewards Bonus Points while enjoying high points earned, flexible redemption, and extensive travel benefits. With new and enhanced features, this card provides substantial value to both primary and Employee Card Members.

Sources:
American Express Platinum Business Card information PDF
*American Express Platinum Business Card terms and conditions