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So you’re determined to get The Business Platinum® Card from American Express. This card offers a plethora of travel benefits which makes this a perfect fit if you travel often. But before you apply, see what it takes to qualify for the Amex Business Platinum and learn if you may be instantly approved.

Learn more: The Business Platinum® Card from American Express

get the amex business platinum
Photo by Alesia Kazantceva on Unsplash

Today can be one of the best times to apply for this benefit-packed card (check out the Amex Business Platinum Card review to learn more). It’s possible to earn up to 100,000 Membership Rewards points worth $1,000 in award travel. This is the Business Platinum’s largest bonus offer ever.

Who Can Apply?

Any U.S. resident at least 18 years old with business income can apply for The Business Platinum® Card from American Express. Your company can be structured as a corporation, partnership, or sole proprietorship.

As required by federal law, you will need to apply using your EIN if you are a corporation or partnership. Sole proprietors can apply with their EIN or Social Security number.

The application process is similar to applying for any other business credit card. You will need to enter your business and personal details including annual income, contact information, and business industry and size.

In most cases, Amex provides a decision within 30 seconds of submitting your application. If your application flags for further review, you may need to show proof of income.

740 Credit Score

You will have the best approval odds for the Amex Business Platinum if you have a personal credit score of at least 740. As this is a premium credit card you will need an excellent credit score.

This is the same credit score needed for the personal Platinum Card from American Express. However, you can be approved with a score as low as 700. Your approval odds are better if you have a higher annual income or a current relationship with American Express.

Even though this is a business credit card, American Express still uses your personal credit score to reach an application decision. Also, missing monthly payments can negatively affect your credit score.

Tip: If you have a 670 credit score, consider getting the American Express Business Gold Card. You earn up to 4x points on purchases and get 25% of your points back when booking award flights on AmexTravel.com.

At Least 18 Years Old

American Express only requires you to be at least 18 years old to apply for the Business Platinum Card from American Express.

However, you must be at least 21 years old to enjoy the full benefits of this card. This is because the airport lounge partners may require you to be at least 21 to enter certain lounge locations.

Being a few years older also lets you establish a credit history, which increases your approval odds.

Amex Application Guidelines

Because The Business Platinum® Card from American Express is a charge card, the application guidelines are more lenient than getting a credit card with a preset spending limit.

A general guideline is to only apply for one Amex credit card every 5 days and 2 cards every 90 days. But these rules don’t necessarily apply to the Business Platinum Card.

However, the “once in a lifetime” welcome offer applies to the Business Platinum Card. You won’t qualify for the bonus offer if you have already earned it for this card. Also, American Express states they may consider your previous Amex credit card history and other factors to determine your welcome offer eligibility.

These terms don’t affect your approval odds, but you should make your best effort to apply if you qualify for the bonus offer.

Get Another Credit Card First?

If you have a limited credit card history, a credit score below 740, or both, you might consider getting another American Express credit card first.

This is only one of the best American Express business credit cards you can get. If you have another Amex business card first, it can let you prequalify for the Business Platinum Card.

For example, The Blue Business® Plus Credit Card from American Express doesn’t charge an annual fee (See Rates & Fees) and earns 2x Membership Rewards points on the first $50,000 spent annually (then unlimited 1x points). Similarly, the American Express® Blue Business Cash Card earns 2 points per $1 on the first $50,000 in purchases each calendar year (then 1 point per $1 for the rest of the year). Learn more about the Amex Blue Business credit cards.

As a current American Express cardholder, it’s possible that Amex will do a soft credit pull. This is a penalty-free way to see if you qualify for the Business Platinum Card.

Amex Business Platinum Benefits

Are you still unsure if you’re a good candidate for the Amex Business Platinum?

Below are some of this card’s key benefits.

Up to 100,000 Bonus Points Welcome Offer

Now can be one of the best times to apply for the Business Platinum Card because you can earn up to 100,000 bonus Membership Rewards points. The only catch is that you will need to spend at least $25,000 in the first 3 months.

You get the first 50,000 bonus points by spending $10,000 on purchases in the first 3 months of account opening. Spending an additional $15,000 ($25,000 total) also in the first 3 months gives you the other 50,000 points. The full bonus amount is worth $1,000 in award flights booked on AmexTravel.com.

To qualify for this bonus offer, Amex requires you to apply by December 4, 2019.

When you enroll by December 31, 2019, you also get one free year of WeWork Platinum Global Access. This is also one of the best credit card offers 2019.

Earn Up To 5x Points on Each Purchase

You get unlimited 5 points per $1 on flights and prepaid hotels on AmexTravel.com. Purchases larger than $5,000 earn 1.5 points per $1 spent. All remaining purchases earn 1 point per $1.

This card is one of the quickest ways to earn bonus points when booking flights.

35% Airline Redemption Bonus

Every point you redeem on AmexTravel for award flights is effectively worth 1.35 cents each. Every point is worth 1 cent each when booking the flight. You then get 35% of those points back for a second redemption, up to 500,000 points per year.

This bonus applies to any flight on the airline of your choice plus any business or first-class flight regardless of the airline.

1:1 Point Transfers

As is the case with some of the best Chase credit cards, the 1:1 point transfers are a better option when you can get more than 1.35 cents value from each point. This can be easy to do if you save your points for premium cabin flights.

Some of the best transfer partners include Emirates, Singapore Airlines, and British Airways. For domestic award flights, Delta is a leading 1:1 transfer partner.

Airport Lounge Access

You also get complimentary airport lounge access to several networks including the Centurion, Priority Pass, and Delta Sky Clubs. Plaza Premium, Airspace, Escape, and International American Express also belong to the Amex Global Lounge Collection.

$200 Airline Fee Credit

Amex reimburses the first $200 in incidental fees (like checked baggage fees) each year for your preferred airline.

Upgraded Hotel Elite Status

You also get automatic Hilton Honors Gold status and Marriot Bonvoy Gold Elite status. These membership levels let you enjoy free on-property internet, get free breakfast, and earn more hotel points on paid stays.


It’s not hard to get the Business Platinum Card from American Express if you have a 740 credit score and a history of earning business income. Applying while the welcome offer is 100,000 points means you can also earn this card’s highest-ever signup bonus.

Learn more: The Business Platinum® Card from American Express

Josh Patoka

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