amex global business travel benefits

American Express Global Business Travel

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Fully Remote

Total Employees: 18,000

American Express Global Business Travel Benefits Overview

Work and life: Find your happy medium at Amex GBT.

Child Care & Parental Leave Benefits

Adoption Assistance

Family medical leave

Generous parental leave

Flexible work schedule

To manage work and personal time, you can apply for flexible work options that include: • A four-day work week • Part-time work • Job sharing • Seasonal working • A sabbatical

Partners with nonprofits

Remote work program

Almost all of our roles are remote, allowing for easier global collaboration and flexibility to maintain a healthy work-life balance.

Team based strategic planning

OKR operational model

Dedicated diversity and inclusion staff

Diversity manifesto

Diversity employee resource groups

Hiring practices that promote diversity

Financial & Retirement

401(K) matching

Charitable contribution matching

Performance bonus

Health Insurance & Wellness Benefits

Dental insurance

Disability insurance

Flexible Spending Account (FSA)

Health insurance

Life insurance

Vision insurance

Wellness programs

Mental health benefits

Mental and emotional health support is available for you and your immediate family through: • On-demand programs. • Webinars, one-on-one professional counseling sessions. • Crisis support.

Professional Development Benefits

Online course subscriptions available

Promote from within

Tuition reimbursement

Vacation & Time Off Benefits

Generous PTO

Paid holidays

Paid sick days

Additional Perks + Benefits

Our most unique benefit is Travel Perks. New in 2023, colleagues get a choice of deals each week from major travel providers on everything from flights to hotels to cruises and car rentals.

Discover the benefits of a strategic travel partner.

Smart manufacturing, meet smart business travel.

Ready to accelerate your smart manufacturing journey? Amex GBT Select (Select TM ) helps organizations like yours get strategic with business travel, by streamlining operations and driving crucial cost-savings.

Get in touch to see how you can benefit from Amex GBT Select.

From minimizing disruption to optimizing spend, your needs drive our solutions.

For all your business travel needs, we’ve created a resource with information on what a travel management company (TMC) can offer. Whether it’s real-time global booking access or smart disruption management, discover the business advantages of Select.

Optimized processes and streamlined operations are the backbone of efficient, modern manufacturing. Is it time to apply the same thinking to business travel?

From data-driven decision making to specialized support network access – discover nine reasons to partner with a travel management company like Select.

Since turning to Select to facilitate a smart travel program, leading aerospace and defense manufacturer RTX is seeing the value in strengthening relationships through business travel.

Discover three ways Select is helping RTX drive business growth through strategic partnership.

Savings playbook

How manufacturers can use smart travel.

Business travel may be a necessity in manufacturing, but it’s also a strategic opportunity. In our savings playbook, we explore the steps to implementing an effective travel strategy across the business, and see benefits such as boosted efficiencies, valuable cost savings, and streamlined operations.

Discover the advantages of a travel management company.

Travel management that goes beyond the booking..

Want to explore the advantages of a strategic travel management partner, but don’t know where to begin? We’ve broken it down for you, outlining the key benefits, what qualities to look for, and when to start looking.

What is a TMC?

Today, business travel is so much more than random, impersonal bookings with no reliable support. To provide the full picture, we’ve outlined what a travel management company is, and what one like Select can do for your manufacturing company.

When is the right time to partner with a TMC?

With smart manufacturing initiatives now in place, it might be time to beginoptimizing processes and streamlining operations in business travel. Explore our blog on why the time is now to partner with a TMC.

What to look for when choosing a TMC?

Whether it’s how well a TMC reflects your company values, or how competitive their discounts are – explore our guide on identifying the right qualities in your partner for travel management.

Ready to find out more?

If you’d like to find out what Select can do for your travel management requirements, get in touch today about our corporate travel solutions and services.

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American Express Business Platinum benefits guide 2024

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 6:04 a.m. UTC April 9, 2024

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With an eye-watering $695 annual fee (terms apply), there’s no denying that The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is an expensive card. But without a doubt, it’s also one of the best business travel cards , thanks to its extensive array of perks and ability to earn flexible, valuable Membership Rewards® points . Although the annual fee is high, it’s offset by valuable perks like statement credits, airport lounge access and top-notch travel and purchase protection¹.

All information about The Business Platinum Card® from American Express has been collected independently by Blueprint.

Amex Business Platinum Card overview

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of the best cards for high-end travel benefits, lifestyle perks and ways to make your business run more smoothly. Of course, it all comes at a significant cost (a $695 annual fee). Therefore, it’s important to assess the card’s features to see if it’s worth it for you and your business. 

Those features include access to over 1,400 airport lounges worldwide, elite status with select hotel and rental car partners, airline fee statement credit and CLEAR ® Plus reimbursement, business-focused statement credits like Dell, Adobe, Indeed and much more. Enrollment is required for select benefits.

Looking for an Amex Business card with a less-lofty annual fee? Our list of the best American Express business cards will help you choose the right one for you.

Major Amex Business Platinum Card benefits

Travel benefits .

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , like the consumer version, The Platinum Card® from American Express , is a powerhouse for premium travel benefits. Let’s break it down: 

• Airport lounge access: You will have access to a wide range of airport lounges. They include The Centurion® Lounge ; Delta Sky Club® lounges (when flying on a same-day Delta flight; limited to 10 annual visits starting Feb. 1, 2025); Priority Pass Select lounges upon enrollment (but not Priority Pass restaurants); Escape Lounges — The Centurion Studio Partner; Plaza Premium lounges and Lufthansa lounges when flying Lufthansa Group (access varies depending on what airline and cabin you’re flying).
• Hotel elite status: You’ll receive complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status with enrollment. This offers benefits such as 25% bonus points on eligible hotel purchases, complimentary in-room Wi-Fi access and room upgrades at select properties (when available).
• Rental car elite status: You’ll get complimentary elite status with Avis Preferred Plus, Hertz Gold Plus Rewards President’s Circle and National Emerald Club Executive. One of the best parts of elite status, at select locations, is the ability to skip the line and go straight to your car at the start of your rental. In addition, you may receive car upgrades and waived second driver fees. Enrollment is required.
• Other hotel benefits: You will also get access to Amex’s Fine Hotels + Resorts® and The Hotel Collection programs through Amex Travel. Perks include complimentary breakfast for two (varies by property), early check-in when available, late checkout, complimentary Wi-Fi and room upgrades when available (certain rooms may not be eligible for upgrade). At select properties, you’ll also receive an experience credit of at least $100. The credit can be used towards purchases of on-site services, such as dining or spa treatments. Experience credits vary by property and will be applied to eligible charges up to the amount of the credit.
• Airline fee credit: You’ll receive up to $200 in statement credits per calendar year for incidental airline fees charged to your card. One qualifying airline must first be selected in advance before receiving this benefit, which can cover fees such as changes and cancellations, seat selection, upgrades, checked bags, lounge access and more.
• CLEAR Plus reimbursement: You can get a credit for up to $189 per calendar year for Clear Plus membership fees. No advance enrollment is required for this benefit; pay with your Business Platinum card to automatically receive a statement credit.
• TSA PreCheck/Global Entry reimbursement : You’ll also receive statement credits to reimburse your application fees for Global Entry ($100) or TSA PreCheck ($85). This benefit is available every 4 years for Global Entry or every 4.5 years for TSA PreCheck.
• Pay with Points airline bonus: With The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , you’ll get 35% of your points back (3.5 extra points for every 10 points redeemed – up to 1,000,000 bonus points per calendar year) when booking a flight with points through Amex Travel. This applies to flights in any cabin on your selected qualifying airline, or for first or business class flights on any airline.

Small business benefits 

As a small business card, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers tailored statement credits and perks to help companies run more smoothly (enrollment is required for select benefits):

• Adobe statement credit: You’ll get up to $150 back in Adobe statement credits for eligible annual prepaid business plans for Creative Cloud for teams or Acrobat Pro DC with e-sign for teams through Dec. 31, 2024.
• Dell statement credit: You can get up to $200 back semi-annually ($400 per year) on U.S. purchases with Dell technologies through Dec. 31, 2024. 
• Indeed statement credit: Through Dec. 31, 2024, you can also get up to $90 back quarterly ($360 per year) via statement credits for purchases with Indeed.
• Wireless credit: You’ll receive up to $10 back per month ($120 per year) in statement credits for wireless telephone service purchases made directly through a wireless provider in the U.S. on your Business Platinum card.

Insurance and protection benefits

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. has a robust array of travel and purchase protections¹. These include: 

• Trip delay insurance: Trip delay insurance applies to eligible round-trip travel expenses paid for with the Business Platinum. Coverage is good for up to $500 per trip, and for incidental expenses that apply (including meals, lodging, toiletries, medication and more) when a trip is delayed by six hours or longer. You are eligible to file two claims per 12-month period.²
• Trip cancellation and interruption insurance: Trip cancellation and interruption insurance will apply to eligible round-trip travel purchases charged to the Business Platinum card. This coverage is good for up to $10,000 per covered trip with a maximum benefit of $20,000 per eligible card every 12 months.³
• Baggage insurance: You’ll get automatic baggage insurance when paying with the card on a common carrier (like an airline or cruise line). This coverage is good for up to $2,000 per person for checked baggage and up to a combined $3,000 per person for checked and carry-on baggage.⁴
• Cellphone protection: Paying your cellphone bill with your card provides cellphone protection. There is a maximum of $800 liability per claim, and each claim is subject to a $50 deductible. There’s also a limit of two claims per eligible account in a 12-month period. You can maximize this perk by combining it with the wireless credit benefit above.⁵

Bonus points for spending

While The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. isn’t the best card to use for all spending categories, there are certain instances where it does make sense to use it — like on flights and prepaid hotels through Amex Travel, as well as on large purchases — cardholders earn: 

• 5 Membership Rewards points per $1 on flights and prepaid hotels through American Express Travel.
• 1.5 points per $1 at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, shipping providers, and purchases of $5,000 or more on up to $2 million per calendar year.
• 1 point per $1 on other eligible purchases.

Additional benefits worth noting

• Global Dining Access with Resy: Global Dining Access perks include Priority Notify at all of Resy’s thousands of restaurants worldwide. This gives you special access to primetime tables at many of the most in-demand restaurants across the U.S. and internationally.
• Secondary Auto Insurance Coverage: Rental cars booked with The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. receive secondary car rental loss and damage insurance⁶. Consider getting a credit card with primary rental car insurance if you want primary, as compared to secondary, coverage.

Frequently asked questions (FAQs)

Yes, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. has access to over 1,400 airport lounge locations worldwide with the Amex Global Lounge Collection.

First, to make the most of the Amex Business Platinum, be sure to maximize your points potential by meeting the minimum spending requirements to earn a welcome bonus.

Then, enroll your card in the statement credit offers such as those with Adobe, Indeed, Dell, select U.S. wireless telephone service providers, CLEAR and more. Also, sign up for hotel and rental car elite status programs that are included with the Business Platinum. Travelers will want to utilize lounge access, Resy benefits and more. 

Maximize the points you earn by putting larger purchases on The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Beyond earning as many points as possible, you’ll also want to maximize the value upon redemption .

Both cards serve different purposes. While The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is geared more towards frequent travelers with more premium perks like lounge access, the American Express® Business Gold Card * The information for the American Express® Business Gold Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) is tailored to those with high spending who may not travel as frequently.

Overall, it’s better to spend on the Amex Business Gold card, with bonus-earning spending categories that include purchases at U.S. media providers for advertising in select media, U.S. restaurants, U.S. gas stations, transit purchases such as taxis or rideshare, and more.

All information about American Express® Business Gold Card and The Business Platinum Card® from American Express has been collected independently by Blueprint.

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. does not come with a traditional preset spending limit. The amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Yes, The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. comes with travel insurance, including trip delay insurance², trip cancellation and interruption insurance³ and baggage insurance⁴.

The publicly available offer for The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. waxes and wanes. The current offer is for 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months of card membership. However, you may be targeted for even higher offers through your Amex account or via a tool like Cardmatch or even mailers.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

²Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

³The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

⁴Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

⁵Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

⁶Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*The information for the American Express® Business Gold Card and The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Chris Dong is a travel, loyalty, and credit cards reporter. He has covered travel and personal finance content for national print and digital publications including The Washington Post, Business Insider, The Points Guy, Travel + Leisure, AFAR, Condé Nast Traveler, Lonely Planet, and more. When he’s not on the road, Chris calls Los Angeles home after nearly 10 years in New York City.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Explore the American Express Business Platinum Card’s New Benefits

By Megan Doyle | American Express ® Freelance Contributor 6 Min Read | October 11, 2021

The Business Platinum Card ® from American Express has long been recognized as one of the top premium travel cards for businesses. Known for its value for frequent business travelers – especially those who want to add some luxury to their travels – the Card offers a variety of travel benefits to support your comfort, productivity, and wellness while on the road.

But running a business relies on more than travel. To better meet the all-around needs of your company, the Business Platinum Card has expanded on its already prominent travel rewards and perks to include a number of new and powerful business benefits, including more opportunities to earn Membership Rewards® points and a suite of valuable statement credits.

Terms apply to all benefits listed below and all offers are subject to change.

Take Your Business Further with American Express Business Platinum’s New Benefits

Although business travel is vital for many companies, not all business is conducted on the road. A robust business credit card should offer value for companies and their employees regardless of whether they’re traveling to a conference, entertaining clients, working at home, at the office – and everywhere in between. That’s why the reinvented Business Platinum Card includes rewards for everyday business spending, not just travel.

Businesses can now earn 1.5 Membership Rewards points per dollar on key business categories, including eligible U.S. purchases at:

• Construction materials and hardware suppliers.
• Electronic goods retailers, software and cloud systems providers.
• Shipping providers.

Businesses can also get 1.5X points on eligible purchases of $5,000 or more everywhere else. That’s 50% more points, on up to $2,000,000 of these purchases per calendar year. After that, business Card Members will earn 1X point per dollar spent.

Beyond points, the Business Platinum Card offers a suite of new and enhanced business benefits that, when combined, can deliver over $1,000 in value through annual statement credits – all for services that can help run your business better.

• Dell Technologies Benefit: Upgrade your tech, enhance your business. Enroll and get up to $400 in statement credits per year toward U.S. purchases with Dell Technologies on the Business Platinum Card. That’s up to $200 back semi-annually.
• Indeed Benefit: Build your team, grow your business. Enroll and get up to $360 in statement credits per year for purchases with Indeed on the Business Platinum Card. That’s up to $90 back per quarter.
• Adobe Benefit: Get the creative solutions your business needs. Enroll and get up to $150 in statement credits per year for purchases with Adobe on annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign on the Business Platinum Card. Annual prepaid plans automatically renew each year on your annual subscription date until cancelled.
• Wireless Credit : Wireless connection is a vital piece to keep your business running. Earn up to $10 a month back when using your Business Platinum Card for wireless telephone service purchases made directly from a U.S. wireless provider. That’s up to $120 per year back as a statement credit for the wireless services every business needs to stay connected. Enrollment is required.

For more on Business Platinum’s benefits, offers, rates, & fees, click here .

American Express Business Platinum Retains its First-Class Travel Value

In addition to the Card’s new benefits, Business Platinum’s long-lauded travel benefits that support road warriors’ comfort, productivity, and wellness while on the road are here to stay. For example, businesses can earn 5X points on flights and prepaid hotels booked through amextravel.com (Hotel bookings must be paid for in advance to take advantage of this benefit). Businesses can also get 35% points back after you use Pay with Points for all or part of a flight booked with American Express Travel if the flight is either First or Business class or on your selected qualifying airline, up to 500,000 points back per calendar year.

Additional benefits that can help businesses travel more comfortably include complimentary access to The Global Lounge Collection ® , which offers over 1,300 airport lounges in 500 airports across 140 countries – so you and your employee Card Members can either relax or fit in some last-minute work before flights. And, to help you make it through airport security faster, the Card offers a $179 CLEAR ® Credit and a Fee Credit for Global Entry or TSA Pre✔ ® . CLEAR uses biometric technology to help you breeze through security – just use your Card to pay for your CLEAR membership and you can receive up to $179 in statement credits per year. Similarly, you can receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA Pre✔ ® (up to $85) when the application fee is charged to an eligible Card.

When booking through American Express Travel and staying at participating Fine Hotels + Resorts ® properties, Card Members can enjoy luxurious comfort plus Platinum Business Card benefits like complimentary room upgrade upon arrival when available, guaranteed 4 pm late check-out, noon check-in when available, complimentary Wi-Fi, and more. Benefits are available only for Fine Hotels + Resorts ® properties booked via an American Express Travel Channel. Card Members can also enjoy complimentary upgrades to Marriott Bonvoy ™ Gold Elite Status and Hilton Honors ™ Gold Status, both of which can help unlock perks at each respective hotel group to help make journeys away from home more comfortable.

Business Platinum Offers Robust Solutions and Support

Rewards and perks are great, but the best business cards must bring high class services, support, and business solutions . Some additional benefits of the Business Platinum Card include:

• No Preset Spending limit , so your business can get what it needs, when it’s needed. With No Preset Spending Limit, the amount you can spend adapts based on factors like purchase, payment, and credit history – enabling more efficient cash flow management .
• Pay Over Time provides Card Members a convenient borrowing option to pay for both expected or unexpected expenses. It gives Card Members the flexibility to choose how and when they pay. They can meet their financial needs while continuing to earn Membership Rewards. With Pay Over Time, eligible purchases made will automatically be included in a Pay Over Time balance each month. At the end of each billing cycle, the Card Member can choose to pay the statement balance in full without interest, pay the minimum amount due, or pay any amount in between with interest. The APR for Pay Over Time purchases will range from 14.24% to 22.24%, based on creditworthiness as determined at the time of account opening.
• Premium Global Assist® Hotline can provide you with 24/7 medical, legal, financial, or other select emergency coordination and assistance services when you’re 100 miles or more from home. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged.
• Expense Management Tools , including account alerts, streamlined expense reporting with the American Express® Business App , and integration with QuickBooks so you can save time with automatic transaction categorization.

Find the Card you've been looking for

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The Takeaway

Business travel can play a vital role in company growth, but successful organizations know that what happens at home is just as important as what happens on the road. The Business Platinum Card from American Express has been reinvented to include a suite of new benefits that can help companies enjoy more ways to earn rewards for day-to-day business expenses – rewards that can help companies manage cash flow and that can even drop directly to the bottom line. And that’s all on top of the many travel benefits the Card has long been known for.

Megan Doyle

A business technology writer and researcher whoe work focuses on financial services and cross-cultural diversity and inclusion.

This content was written by a freelance author and commissioned and paid for by American Express. 

The material made available for you on this website is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.

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Is the Amex Business Gold card worth it?

Amex business gold card rewards, amex business gold card benefits, amex business gold card fees, rates & limit, how the amex business gold card compares, is the amex business gold card right for me, how do i apply for the amex business gold card, faq: amex business gold card.

Amex Business Gold Card Review: Earn up to 4x Rewards Points

• The American Express® Business Gold Card is worth it if you run a business and want to generate points based on day-to-day purchases.
• The welcome bonus offers 70,000 points if you spend at least $10,000 in the first three months.
• Rewards are awarded based on which two out of six categories account for most of your spending.
• Top-tier 6x point rewards max out after $150,000 in spending; points are just 1 per dollar after.
• You can redeem points for purchases through Amex or transfer points to Amex’s hotel or airline partners.
• Consumers with good to excellent credit have the best chance of card approval.

Running a business means constant spending. The American Express Business Gold Card simplifies this process by offering categorized rewards that help you earn rewards effortlessly. It’s a practical solution to offset the everyday costs of business operations.

In this Amex Business Gold card review, we’ll look at important topics like:

• Amex Business Gold card fees, rates and limit

Equipped with this knowledge, you can decide if this American Express card is right for you or not.

• Earns Membership Rewards points for flexible redemption options
• 4X points categories adapt to your spending automatically each billing cycle
• Generous welcome offer
• High annual fee
• Spending cap of $150,000 annually for 4X rate
• High spending requirement for welcome offer

The American Express® Business Gold Card has a whopping $375 annual fee ( see rates and fees ), which can be a bit daunting. The reality is, however, that the card offers so many ways to get statement credits, earn points and avail yourself of other key services that it’s hard to not come out ahead. 

If you’re running a business and find yourself swiping your card throughout the day, the Amex Business Gold could be the business rewards card you’ve been waiting for.

Here are some pros and cons to help you decide.

Pros and cons of the American Express Business Gold Card

• Reward multipliers are tailored to cardholders’ top spending categories
• Long list of transfer partners
• Perks are geared toward luxury-seeking clientele
• Add additional employees to your business account for up to 99 total cards
• Rewards scheme can be difficult to understand/navigate
• $150,000 spending cap on highest reward tier
• Card requires applicants to have good to excellent credit for approval

While you’re busy making purchases to support your thriving business or get your startup off the ground, you might as well maximize your ROI. With Amex Business Gold card rewards, you make your money work for you via these reward-generating opportunities.

Welcome bonus

The Amex Business Gold card has a welcome offer on tap for newly approved cardholders. By spending at least $10,000 on eligible purchases (all bought with your Amex Business Gold card, of course) within the first three months of membership, you can earn 70,000 rewards points.

Earn American Express® Business Gold rewards

You get 4x points per dollar for the two categories your company spends the most in each billing cycle. That rate applies to the first $150,000 of applied purchases and then drops to just 1 point per dollar. 

There are six eligible categories in total:

• Transit purchases (taxis, rideshares, trains, driving tolls, subway cards, buses, parking fees, etc.)
• U.S. purchases from software providers and retailers dealing in electronic goods
• U.S.-based monthly wireless phone charges but only when paid directly to a wireless carrier
• Fuel purchases at U.S. gas stations
• U.S. purchases at dining establishments (delivery and pickup included)
• U.S. media purchases (online ads, TV spots, radio ads, etc.)

Redeem American Express® Business Gold rewards

You can redeem your Membership Rewards points online via the American Express website or using the mobile Amex App. Some of the easiest redemptions are gift cards for spas, travel and Amazon shopping.

You can also transfer your points.

Hotel programs eligible for Amex point transfers include (with point redemption ratios in parentheses):

• Hilton Honors (1:2)
• Marriott Bonvoy (1:1)
• Choice Privileges (1:1)

These are 18 high-value airline programs open to Amex rewards points transfers. 

Here are their names as well as their transfer ratio:

• Aer Lingus AerClub (1:1)
• Aeromexico Club Premier (1:1.6)
• Air Canada Aeroplan (1:1.6)
• Air France-KLM Flying Blue (1:1)
• All Nippon Airways Mileage Club (1:1)
• Avianca LifeMiles (1:1)
• British Airways Executive Club (1:1)
• Cathay Pacific Asia Miles (1:1)
• Delta SkyMiles (1:1)
• Emirates Skywards (1:1)
• Etihad Guest (1:1)
• Hawaiian Airlines HawaiianMiles (1:1)
• Iberia Plus (1:1)
• JetBlue TrueBlue (250:200)
• Qantas Frequent Flyer (1:1)
• Qatar Airways Privilege Club (1:1)
• Singapore KrisFlyer (1:1)
• Virgin Atlantic Flying Club (1:1)

The Business Gold card by American Express is brimming with benefits that take business needs and preferences into account.

Travel benefits

These American Express travel benefits might come in handy if you run into any hurdles away from the office.

• Trip delay insurance: If your trip is delayed for 12 hours or more, you can get up to $300 per covered trip to pay for incidentals and essentials.
• Baggage insurance: Pay for travel with your Gold Business card and you may be reimbursed for up to $1,250 per person for lost carry-on luggage and $500 per person for lost checked baggage.
• Rental car insurance: Supplement primary auto insurance with a secondary policy capped at 30 days of rental and $50,000 per rental agreement.
• Global Assist Hotline: If you’re more than 100 miles from home and run into trouble, you can call the hotline for help with everything from legal referrals to translation services to assistance with replacing a lost passport.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

Shopping benefits

Buy products for your business with your Amex Business Gold card and take advantage of these shopping-related benefits.

• Purchase protection: If items are damaged or stolen within 90 days of purchase, cardholders are eligible for up to $1,000 to repair or replace that item. Coverage maxes out at $50,000 per calendar year.
• Extended warranties: Items purchased with an accompanying manufacturer’s warranty of 5 years or less get an extra year of warranty protection worth up to $10,000 (also maxed at $50,000 per calendar year).
• Cell phone protection: You get up to $800 per claim to fix or replace a broken or lost phone, with just two claim opportunities per year and a $50 deductible each time.

Business benefits

It makes sense for a business card to come with business benefits, and Amex Business Gold delivers perks that are designed with entrepreneurial needs in mind.

Benefits include:

• QuickBooks integration: Make accounting easier by connecting your Amex Business Gold and Intuit QuickBooks accounts.
• Year-end summaries: Get all the details on the previous year’s spending with year-end summaries available through your online account and downloadable in both PDF and Excel formats.
• Bill.com vendor pay: You need to pay your produce guy and the smallwares company that provides silverware and plates and everyone else. Pay them with Bill.com and you earn rewards points to help defray all that overhead.
• Additional employee cards: Add up to 99 employees to your account and get cards for them all at no cost to you.
• Mobile account management: Turn to the Amex app to manage your money on the go.

Dining and entertainment benefits

American Business Gold benefits extend to eating out and entertainment. 

These benefits include:

• American Express Preferred Seating: Snag preferred and presale seats for the hottest summer concert tour or key sporting events with this Amex service only available to cardholders.
• American Express Experiences: Similar to Preferred Seating, American Express Experiences gives cardholders exclusive access to invitation-only events like concerts, sports matches, food and wine experiences, fashion shows, theater performances, etc.
• The Hotel Collection: Use your Business Gold card to book at least two consecutive nights at a The Hotel Collection property and get a $100 experience credit. Bookings must be made through Amex Travel, and the credit has to be used on-site for experiences like a day at the spa or dinner for your sales team.

Statement credits

Another perk of the Amex Business Gold card is monthly statement credits of up to $20 per month for a possible total of $240 per year. Spend those credits on delivery services (package or food) or office supplies and you could essentially cancel out nearly two-thirds your annual fee.

There’s a second opportunity as well. Sign up for a Walmart+ monthly membership and get up to $155 each year ($12.95 per month) — plus free shipping, deals on gas at affiliated gas stations and extra-deep deals during promotional periods like Black Friday.

Before you apply, get to know the Amex Business Gold card through its fees, credit limits and interest rates ( see rates and fees ).

American Express® Business Gold card fees

Here’s what you may have to pay to use your Gold card:

• Annual fee: $375
• Balance transfer fee: N/A
• Cash advance fee: N/A
• Foreign transaction fee: None

American Express® Business Gold card interest rates

The Amex Business Gold card has two interest rates for purchases based on how or when you pay.

• Pay over time: If you carry a monthly balance, your purchases fall under pay over time. That means your balance will be subject to an interest rate of 19.49%-28.49% variable APR. There is a fluctuating limit to how much of your balance you can leave to pay over time — anything over that rolls into the pay in full category.
• Pay in full: Purchases that are paid off in their entirety each month won’t incur any interest. You can also choose to make purchases by pay in full simply by not using the option to carry a balance.

Other rates are as follows:

• Purchase intro APR: N/A
• Balance transfer intro APR: N/A

American Express® Business Gold card credit limit

There are no Amex Business Gold card limits. Instead, you’ll need to call Amex to see what each month’s spending cap is and ask for more if you’re anticipating a large purchase.

Over time, you can increase your credit limit by using only a small portion of your available credit and making all your payments on time. This includes putting most of your purchases under pay in full rather than pay over time.

The Amex Business Gold card is a solid rewards card with lots of opportunities to rack up points for everything from airfare to gas to shipping costs. You might earn more for travel on other cards , but the Gold is stellar for making your everyday purchases work in your favor.

American Express® Business Gold card vs. The Business Platinum Card® from American Express

Both of these Amex business cards are intended to help business owners earn points and support their business simply by making purchases they’d make anyway. But the Business Gold card’s rewards setup caters more toward everyday business expenses, like client lunches, paying utility bills and ensuring you have enough inventory to open shop. The Business Platinum Card® from American Express is more concerned about business travel ( see Business Platinum rates and fees ).

Both cards are backed by American Express, have no preset spending limit and are best suited for people with good to excellent credit scores. There is a slight edge to the Platinum card in terms of welcome offers. Their deal is 120,000 points if you spend $15,000 on eligible purchases within three months of kicking off your card membership. The Gold card offers just 70,000 points for $10,000 spent within those first three months.

Overall, though, the cards are fairly evenly matched; it’s just Gold for everyday expenses and Platinum for travel-minded business expenses.

Read our full Amex Business Platinum Card Review

The Amex Business Gold card may be right for you if you’re looking for a way to help your business recoup expenses and maximize its financial outlook.

Something as simple as generating rewards for purchases you’d need to make anyway feels smart. You get maximum points for the spending categories you use most, and those categories can change monthly, so your rewards setup evolves alongside your business.

However, if you don’t charge many business expenses or your expenses don’t fall in one of the six covered categories, you might want to skip the Amex Business Gold.

If you don’t think the Amex Business Gold card is the best credit card for you, consider these alternatives to see if you find a better fit:

• Amex Blue Business Cash Card review
• Amex Blue Business Plus Card Review
• Amex Plum Card Review

You can also check out Chase business cards or Capital One Spark business cards to learn more about your options with other card issuers.

You can learn more about the American Express Business Gold Card and apply online. You will need a good to excellent credit score of at least 670-700, plus documents that will help you fill out key information about yourself. 

The application will likely ask for your:

• Full legal name
• Phone number
• Annual Income
• Social Security number (to run a credit check)

The Amex Business Gold card has a hefty $375 annual fee. But if you and your employees spend a big chunk of your money on items or services from one of the six main rewards categories, you could earn more than enough points to compensate for that annual fee.

What credit score do you need for an Amex Business Gold card?

You have the best chance of being approved for an Amex Business Gold card if you have a good to excellent credit score. That means a solid credit history with a score of at least 670 to 700.

How much does the Amex Business Gold card cost each year?

The Amex Business Gold card has an annual fee of $375. You can offset that cost by earning lots of points and trading in those points for helpful rewards.

How can I get the Rose Gold version of the Amex Business Gold card?

You can get the Rose Gold version of the Amex Business Gold card by choosing the rosy-hued card when you apply and are approved for your credit card. Other than color, these cards are identical.

How much are Amex Membership Rewards Points worth?

As of February 2024, Amex Membership Rewards Points are worth about 2.8 cents when transferred to Amex partners, 0.7 centers for direct redemptions and 1 cent each for flights booked through the Amex portal.

Which is better for business, Amex Business Gold or Amex Business Platinum?

Amex Business Platinum card benefits and Amex Business Gold card benefits have some overlap, but the first is more focused on travel while the second has a greater emphasis on day-to-day spending. You’re more likely to find the Platinum card lucrative if you spend a lot of time on the road. Otherwise, the large annual fee might be difficult to justify.

Alana Luna (Musselman) is a versatile storyteller with over a decade of writing experience. She is passionate about helping people build their business through unique and engaging content. Some examples of her current freelance projects include building content strategies for small businesses, completing industry research to build case studies, crafting buyer guides and more.

She has a passion and keen ability to simplify complex ideas through storytelling to make it easier for readers to understand hard-to-digest information. As such, Alana’s writing holds strong three principles – content that educates, engages and entertains.

Apart from her contributions to LA Times Compare, Alana has freelanced and ghostwritten for large publications and prestigious brands such as Orbitz, Groupon, Amazon, JCPenney, Walmart and more.

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Corporate Travel Companies Are Bulking Up: ‘Getting Bigger Is Critical’

Justin Bachman, Skift

April 10th, 2024 at 10:06 AM EDT

Pressure from travel suppliers who want better merchandising tools and lower costs are compelling travel management companies to consolidate.

The big players in the world of managing corporate travel are gearing up to get bigger: Amex GBT’s $570 million bid for CWT and the sale of Direct Travel to an investor consortium are two of the latest examples of the race to bulk up through mergers. 

The trend is driven largely by two factors: Travel suppliers – primarily airlines – seeking greater efficiencies in their distribution channels and the enormous capital required to invest in the technology to sell to and service travelers around the world.

“I think fundamentally customer needs are driving consolidation in the industry,” Amex GBT CEO Paul Abbott told Skift. “I think supplier needs are also changing. Suppliers want their distribution channels to deliver a modern retailing experience,” he said.

For example, airlines are moving a growing share of their fares from the traditional global distribution system model to a direct NDC (New Distribution Capability) platform. And agencies are under pressure to adopt it. 

CWT merging into Amex GBT is “a perfect example of how it’s really only the big players that have the capital to do it,” Mike McCormick, a travel consultant and former head of the Global Business Travel Association, said on April 1 on the Travel Again podcast.

The largest corporate firms, such as Amex GBT, BCD Travel and Navan, have been forced “to really make big investments in technology and continued investments” given the aggressive push by American and others, McCormick noted. 

Navan, for example, last month touted its deeper integration with United Airlines to support that carrier’s pricing strategy for fares, along with other self-serve tools and more personalization for travelers.

“Getting bigger is critical in terms of  a lot of the airline changes and negotiation, and always pressure on earnings and commissions and business in general,” McCormick said.

Investing For the Next-Generation of Travel

Investor Steve Singh, the founder and former CEO of Concur, is managing director of Madrona, the Seattle-based venture capital firm that is among the four investment firms that acquired Direct Travel Inc. on April 2. 

Singh told Skift the investor group is keen to create a “next-generation” travel management company that would offer a seamless connected trip in which all of a traveler’s airline, hotel, meeting, ground transport, and appointment bookings would be integrated, allowing for far simpler itinerary changes. For now, it’s an aspirational goal, one the industry has long wanted but that has proven tough to attain. 

Travel management companies sell multiple technology platforms to serve customers and “the result is that it is very expensive to build and run a TMC,” Singh wrote in a blog post explaining the investor group’s view of how the managed-travel industry should evolve. 

“The fact that these legacy solutions are built on GDS platforms that are not open and not extensible makes the goal of delivering an incredible client experience at a better value proposition even more challenging.”

“As someone who has logged tens of millions of flight miles, I would love a system that allows me to reserve a hotel from the time I arrive in a town to the time I need to leave, not from 3 p.m. to noon,” Singh wrote in his post.

What’s Next for Travelers

Amex GBT customers may see a greater focus on particular industry verticals, such as energy, U.S. government, mining and marine industries for CWT. Those areas tend to present greater complexity and transaction value, along with higher customer retention rates, Amex GBT told investors March 25 explaining the CWT deal.

Abbott said successful travel-management companies will increasingly need both software and services — not just one — that are married effectively.

“You have to have the best technology and the best people, you have to integrate it better than anyone else, and you have to deliver that consistently on a global basis,” he said. “And that’s hard and it requires significant investment and significant expertise.”

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Tags: airlines , amex gbt , business travel , concur , corporate travel , cwt , navan

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Why the Amex Platinum Is the Only Card I’ll Use To Book Flights

Carissa Rawson

Senior Content Contributor

250 Published Articles

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The Amex Platinum Card Earns Me the Most Points

The amex platinum card has excellent travel insurance, amex’s global lounge collection is industry-leading, amex points are my favorite flexible currency, final thoughts.

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Although I’m not technically a digital nomad, I fly enough to qualify as one.

With trips taking me on roughly 100 flights per year, I’ve done a lot of research when it comes to booking airfare.

Though I have plenty of credit cards to spare, The Platinum Card ® from American Express always finds its way to the front when it comes time to pay — here’s why.

There are plenty of credit cards that earn bonus points on travel , and especially airfare. However, the Amex Platinum card personally beats out others, despite its $695 annual fee ( rates & fees ).

This is because it earns 5x American Express Membership Rewards points per $1 spent (up to $500,000 per year) on flights booked directly with the airline or via AmexTravel.com .

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.

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If you travel often, you know that booking with a third party , such as Expedia, Priceline, Orbitz, or even an issuer’s travel portal, can save you some money. But it can also lead to huge amounts of headache s if your flight needs to be changed or canceled or if there are crazy delays and you need to be rerouted.

This is because booking through a third-party agency makes them responsible for your ticket rather than the airline, so they need to be the middleman.

Compare the Amex Platinum card’s earning rates to other premium travel rewards cards :

• Chase Sapphire Reserve ® : 5x points per $1 spent on Chase Travel; 3x points on all other travel purchases
• Capital One Venture X Rewards Credit Card : 5x miles per $1 spent on airfare booked with Capital One Travel,

In order to earn these elevated rewards, you’ll need to book your flights with either issuer’s travel portal, which means you’ll be using a third party. That opens you up to issues in the event your travel plans change, which mine often do.

While the Amex Platinum card does have a limit on your 5x earnings up to $500,000 annually, I’ve never even come close to hitting the cap. This means that I’m always able to book directly with the airline while still earning the most rewards.

I’ll admit that I’m not the biggest proponent of travel insurance . I know that it’ll protect you if you get injured, lose your bags, or have travel delays, but purchasing a policy goes against my “spend as little as possible” ethos when it comes to travel.

That’s another reason why I love the Amex Platinum card and use it for my flights. As a premium travel card, it offers complimentary travel insurance . For it to kick in, I need to pay for my travel with my card and it will apply in eligible scenarios.

What kind of travel insurance is offered? A lot:

• Rental car insurance (secondary)
• Trip cancellation and interruption insurance
• Trip delay insurance
• Baggage insurance plan
• Premium Global Assist Hotline (emergency medical evacuation and emergency medical transport)

There are two things that really stand out when it comes to the Amex Platinum card’s travel insurance: emergency medical evacuation and emergency medical transport as part of the Premium Global Assist Hotline. Neither of these has a cap, which isn’t something you’ll find often, even when purchasing a policy.

There is only one exception where I’ll use a card other than the Amex Platinum card to pay for my flights, and that’s when I’ve booked an award flight.

This is because Amex has limitations on its baggage insurance plan for award flights, whereas competitors, such as the travel insurance on the Chase Sapphire Reserve card , do not. In this case, the Amex Platinum card won’t cover lost luggage unless you’ve paid the ticket in cash or you’ve used Amex Membership points for your flight. Other award flights outside of this don’t count :

“Other loyalty programs (i.e. non-American Express) do not qualify on purchases redeemed in part or full or pre-arranged travel cost,” according to the terms of baggage insurance plan on the Amex Platinum card. “An example would be common carrier frequent flyer miles point redemption.”

I’m not a snob about a lot of things, but airport lounge access is certainly one of them. I know that as more credit cards offer lounge access, they can be crowded.

That’s one reason I value the Global Lounge Collection offered by Amex’s high-end cards.

This collection includes a Priority Pass Select membership (upon enrollment), Centurion Lounges, Escape — The Centurion Studio lounges, Plaza Premium lounges, Lufthansa lounges (when flying Lufthansa), Delta SkyClubs (when flying Delta), and more.

That’s far more than you’ll get with other credit cards and lessens the chance that you’ll find yourself in a standing-room-only situation.

This is probably not the most popular opinion, but I think Amex Membership Rewards beat out Chase Ultimate Rewards , Capital One Miles , Citi ThankYou points , and Bilt Rewards .

While each currency has their own strengths and weaknesses, Amex points fit my travel style better than the others. Sure, I love that Chase has World of Hyatt (and it’s where I use my points most often) and that Citi transfer to Choice at double Amex’s rate, but Amex has more usable transfer partners .

I’ll be even more unpopular and say that I’ll often transfer Amex points over to Hilton Honors at a 1:2 ratio, especially when they’re offering a transfer bonus . This isn’t usually a good idea, but I spend my Hilton points at high-end resorts such as the Conrad Maldives and the Conrad Bora Bora , where I can easily net 5-10 cents in value per point. That makes it worth it for me.

Other transfer partners that I frequently use include:

• ANA MileageClub : For low-cost business class flights to Europe
• Avianca LifeMiles : For Lufthansa first class
• Virgin Atlantic Flying Club : For first and business class redemptions on ANA
• Qantas Frequent Flyer : For cheap Air Tahiti Nui flights to French Polynesia

Beyond transfer partners and the Amex Platinum card, I also find Amex points easier to earn . This is due to a variety of reasons, including their robust lineup of Amex point-earning cards , Amex Offers (upon enrollment), and their Rakuten partnership.

I’m not going to throw out all my other credit cards in favor of the Amex Platinum card — I love points and miles too much ever to let that happen. But there’s certainly a strong case for it sticking around in my wallet.

Sure, it offers lots of statement credits (enrollment required for some benefits) and other perks. But I’ll keep the Amex Platinum card to book my airfare. And it’ll stay that way until someone else can match the high earnings and travel insurance offerings, which I don’t anticipate happening anytime soon.

For the car rental loss and damage insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the premium global assist hotline benefit of the Amex Platinum card, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

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About Carissa Rawson

Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business Insider, Forbes, and more.

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