AM
American Express

Business Platinum Card® for Goldman Sachs

150,000 Points Bonus No Foreign Fees
$695 Annual Fee
19.24%–28.24% Variable Purchase APR
150,000 Welcome Bonus
740+ Recommended FICO
Points Reward Type
Browse Cards › American Express › Business Platinum Card® for Goldman Sachs

Welcome Bonus

150,000 Points
Welcome Bonus
Spend $20,000 in the first 90 days

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 5x
Point Value~0.02¢ each
Travel Portal5x
ExpirationPoints never expire as long as account is open and in good standing
Transfer PartnersDelta SkyMiles, Emirates Skywards, Air France-KLM Flying Blue, British Airways Executive Club, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, ANA Mileage Club, Marriott Bonvoy, Hilton Honors
Redemption NotesCash redemptions (statement credit) valued at 0.6 cents per point
CategoryRateTypeCap
Flights & Prepaid Hotels Booked on AmexTravel.com 5x Points No cap
Large Purchases ($5,000+)
On eligible purchases of $5,000 or more, up to 1 million additional points per calendar year.
1.5x Points $2,000,000/yr
All Other Purchases 1x Points No cap

Benefits & Protections

No Foreign Fees
Airport Lounge
Travel Insurance
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
Concierge Service
Global Entry $100
TSA PreCheck $85
Hotel Status: Hilton Gold, Marriott Gold
BenefitCategoryValue / Coverage
Adobe Credit
Receive up to $150 in statement credits per calendar year for eligible U.S. purchases of select Adobe business products.
Credits $150/year
Up to $150
Airline Fee Credit
Receive up to $200 in statement credits per calendar year for incidental fees charged by one qualifying airline you select.
Credits $200/year
Up to $200
CLEAR Plus Credit
Receive up to $189 in statement credits per calendar year for your CLEAR Plus membership.
Credits $189/year
Up to $189
Dell Technologies Credit
Receive up to $400 in statement credits per calendar year for U.S. purchases with Dell Technologies, issued as up to $200 semi-annually.
Credits $400/year
Up to $400
Global Entry or TSA PreCheck Credit
Receive a statement credit for the application fee for Global Entry (up to $100 every 4 years) or TSA PreCheck (up to $85 every 4.5 years).
Credits Up to $100
Up to $100
Indeed Credit
Receive up to $360 in statement credits per calendar year for U.S. purchases with Indeed, issued as up to $90 per quarter.
Credits $360/year
Up to $360
Wireless Credit
Receive up to $120 in statement credits per calendar year for eligible U.S. wireless telephone service purchases, issued as up to $10 per month.
Credits $120/year
Up to $120
No Foreign Transaction Fees
Pay no foreign transaction fees on purchases made abroad.
Financial 0%
Baggage Insurance Plan
Provides coverage for lost, damaged, or stolen baggage when you purchase your entire fare for a common carrier ticket with your card.
Insurance Up to $3,000 per trip
Up to $3,000
Car Rental Loss and Damage Insurance
Provides secondary coverage for damage or theft of an eligible rental vehicle when you use your card to reserve and pay for the rental.
Insurance Up to $75,000
Up to $75,000
Extended Warranty
Extends the original manufacturer's warranty by up to one additional year on eligible purchases with a warranty of five years or less.
Insurance Up to $10,000 per item
Up to $10,000
Purchase Protection
Covers eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.
Insurance Up to $10,000 per occurrence
Up to $10,000
Trip Cancellation & Interruption Insurance
If a covered trip is canceled or interrupted for a covered reason, you can be reimbursed for non-refundable travel expenses, up to $10,000 per trip and $20,000 per 12-month period.
Insurance Up to $10,000 per trip
Up to $10,000
Trip Delay Insurance
If a covered trip is delayed for more than 6 hours, you can be reimbursed for eligible expenses, up to $500 per trip, for a maximum of 2 claims per 12-month period.
Insurance Up to $500 per trip
Up to $500
Concierge Service
Access to a dedicated concierge service for assistance with dining reservations, event tickets, and other requests.
Lifestyle Complimentary
Global Assist Hotline
24/7 emergency assistance and coordination services for medical, legal, and other travel-related emergencies when traveling more than 100 miles from home.
Lifestyle Complimentary
First 5 Employee Business Platinum Cards at No Additional Annual Fee
Receive the first five Employee Business Platinum Cards at no additional annual fee. Additional cards are $350 each.
Other Complimentary
1.5X Membership Rewards Points on Large Purchases
Earn 1.5 Membership Rewards points for every dollar spent on eligible purchases of $5,000 or more, up to $2 million of these purchases per calendar year.
Rewards 1.5x points
1X Membership Rewards Points on Other Purchases
Earn 1 Membership Rewards point for every dollar spent on all other eligible purchases.
Rewards 1x points
5X Membership Rewards Points on Travel
Earn 5 Membership Rewards points for every dollar spent on flights and prepaid hotels booked through amextravel.com.
Rewards 5x points
Account Alerts
Receive alerts for suspicious activity, large purchases, or payment due dates to help monitor your account.
Security Complimentary
Fraud Protection
American Express's fraud protection ensures you're not held responsible for fraudulent charges.
Security Complimentary
Return Protection
If a merchant won't take back an eligible item within 90 days of purchase, American Express may refund the full purchase price.
Shopping Up to $300 per item
Up to $300
ShopRunner Membership
Complimentary ShopRunner membership, providing free 2-day shipping and free returns at over 100 online stores.
Shopping Complimentary
Avis Preferred Status
Enroll to receive complimentary Avis Preferred status, offering benefits like expedited service and car upgrades.
Travel Complimentary
Delta Sky Club Access
Complimentary access to Delta Sky Club lounges when flying on a Delta-operated flight.
Travel Complimentary
Escape Lounges - The Centurion Studio Partner Access
Complimentary access to Escape Lounges - The Centurion Studio Partner locations.
Travel Complimentary
Fine Hotels + Resorts Program
Access to the Fine Hotels + Resorts program, offering benefits like complimentary breakfast, room upgrades when available, and a unique amenity at participating properties.
Travel Complimentary
Hertz Gold Plus Rewards President's Circle Status
Enroll to receive complimentary Hertz Gold Plus Rewards President's Circle status, offering benefits like guaranteed car upgrades.
Travel Complimentary
Hilton Honors Gold Status
Enroll to receive complimentary Hilton Honors Gold Status, offering benefits like space-available room upgrades and complimentary breakfast.
Travel Complimentary
Lufthansa Lounge Access
Complimentary access to Lufthansa Business Lounges (when flying Lufthansa) and Lufthansa Senator Lounges (when flying Lufthansa First Class) in Germany.
Travel Complimentary
Marriott Bonvoy Gold Elite Status
Enroll to receive complimentary Marriott Bonvoy Gold Elite Status, offering benefits like enhanced room upgrades and late checkout.
Travel Complimentary
National Car Rental Emerald Club Executive Status
Enroll to receive complimentary National Car Rental Emerald Club Executive status, offering benefits like choice of any car in the Executive Area.
Travel Complimentary
Plaza Premium Lounge Access
Complimentary access to Plaza Premium Lounges worldwide.
Travel Complimentary
Priority Pass Select Membership
Enroll to receive a complimentary Priority Pass Select membership, providing access to over 1,300 airport lounges worldwide.
Travel Complimentary
The Centurion Lounge Access
Complimentary access to The Centurion Lounge network for the cardholder and up to two guests.
Travel Complimentary
The Hotel Collection Benefits
Access to The Hotel Collection, offering a $100 hotel credit and a room upgrade when available on eligible stays of two nights or more.
Travel Complimentary

Interest Rates

Purchase APR19.24%–28.24% Variable
Cash Advance APR29.99%
Min. Interest Charge$1.5

Fees

Annual Fee $695
Authorized User Fee$350
Foreign Transaction FeeNone
Cash Advance FeeEither $5 or 3% of the amount of each Cash Advance, whichever is greater
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

Approval & Eligibility

740 Recommended minimum FICO · Range 740–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyDifficult
Credit ProfileExcellent
Approval OddsDifficult
Decision TimeInstant
Pre-QualificationNot available
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleYes

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 5 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, excessive credit cycling, rapid application for multiple cards, gaming welcome offers, unusual spending patterns, non-organic spending
Cliff Effect Rules
The welcome bonus for the Business Platinum Card for Goldman Sachs is generally not available to applicants who have or have had this specific card, the standard Business Platinum Card from American Express, or previous versions of either card, due to Amex's "once per lifetime" policy for the Business Platinum product family.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
American Express generally enforces a "once per lifetime" rule for welcome bonuses, meaning applicants are typically ineligible for the bonus on the Business Platinum Card for Goldman Sachs if they have or have had this specific card or other Business Platinum Card variants. Eligibility is also subject to Amex's internal review processes.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
American Express
$695
Annual Fee

Welcome Bonus 150,000 Points
APR 19.24%–28.24% Variable
Quick Summary
Annual Fee $695
RewardsPoints
Welcome Bonus150,000 Points
Foreign FeesNone
Min. FICO740+
Online
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