AM
American Express

Business Platinum Card® for J.P. Morgan

150,000 Points Bonus No Foreign Fees
$695 Annual Fee
19.99%–28.99% Variable Purchase APR
150,000 Welcome Bonus
740+ Recommended FICO
Points Reward Type
Browse Cards › American Express › Business Platinum Card® for J.P. Morgan

Welcome Bonus

150,000 Points
Welcome Bonus
Spend $15,000 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
Transfer PartnersDelta SkyMiles, British Airways Executive Club, Air France-KLM Flying Blue, Emirates Skywards, Singapore Airlines KrisFlyer, ANA Mileage Club, Cathay Pacific Asia Miles, Etihad Guest, HawaiianMiles, JetBlue TrueBlue, Virgin Atlantic Flying Club, Marriott Bonvoy, Hilton Honors
Redemption NotesCash redemptions (statement credits) valued at 0.6 cents per point
CategoryRateTypeCap
Flights and Prepaid Hotels Booked on AmexTravel.com 5x Points No cap
Eligible Purchases of $5,000 or More
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 purchases of select Adobe 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 selected qualifying airline.
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 (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 eligible Indeed products and services (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 purchases made directly from U.S. wireless telephone providers (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
Coverage for lost, damaged, or stolen baggage when traveling on a common carrier.
Insurance Up to $3,000 per trip
Up to $3,000
Car Rental Loss and Damage Insurance
Secondary coverage for damage or theft of a rental vehicle when you decline the rental company's collision damage waiver.
Insurance Up to $50,000
Up to $50,000
Cell Phone Protection
Coverage for repair or replacement costs if your cell phone is stolen or damaged, when you pay your monthly wireless bill with your card.
Insurance Up to $800 per claim
Up to $800
Extended Warranty
Extends the original manufacturer's warranty for 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 item
Up to $10,000
Trip Cancellation and Interruption Insurance
Coverage for non-refundable travel expenses if a covered trip is canceled or interrupted for a covered reason.
Insurance Up to $10,000 per trip
Up to $10,000
Trip Delay Insurance
Coverage for eligible expenses when a covered trip is delayed for more than 6 hours due to a covered reason.
Insurance Up to $500 per trip
Up to $500
Concierge Service
24/7 access to a dedicated concierge for assistance with travel, dining, entertainment, and more.
Lifestyle Complimentary
Global Dining Collection Access
Access to reservations at sought-after restaurants and special dining experiences.
Lifestyle Complimentary
J.P. Morgan Private Client Advisor Support
Access to dedicated support from a J.P. Morgan Private Client Advisor, tailored for J.P. Morgan clients.
Other Complimentary
1.5X Membership Rewards Points on Large Purchases
Earn 1.5X Membership Rewards points on eligible purchases of $5,000 or more, up to 1 million additional points per calendar year.
Rewards 1.5X points
1X Membership Rewards Points on Other Purchases
Earn 1X Membership Rewards point on all other eligible purchases.
Rewards 1X points
5X Membership Rewards Points on Flights & Prepaid Hotels
Earn 5X Membership Rewards points on eligible flights and prepaid hotels booked through amextravel.com.
Rewards 5X points
Fraud Protection
American Express's fraud protection ensures you're not held responsible for fraudulent charges.
Security Zero Liability
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
Delta Sky Club® Access
Complimentary access to Delta Sky Club® lounges when flying on a Delta-marketed or 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 Benefits
Enjoy benefits like daily breakfast for two, room upgrade upon arrival (when available), guaranteed 4 PM late checkout, and a unique amenity valued at $100 or more at participating properties booked through Fine Hotels + Resorts.
Travel Valued at $550 on average
Hilton Honors Gold Status
Complimentary Hilton Honors Gold Status upon enrollment.
Travel Complimentary
International American Express Lounges Access
Complimentary access to select International American Express Lounges.
Travel Complimentary
Lufthansa Lounge Access
Complimentary access to Lufthansa Business Lounges and, with a first class ticket, Lufthansa First Class Lounges when flying Lufthansa Group.
Travel Complimentary
Marriott Bonvoy Gold Elite Status
Complimentary Marriott Bonvoy Gold Elite Status upon enrollment.
Travel Complimentary
Plaza Premium Lounge Access
Complimentary access to Plaza Premium Lounges worldwide.
Travel Complimentary
Premium Car Rental Privileges
Enroll in complimentary memberships with Hertz Gold Plus Rewards President's Circle, Avis Preferred Plus, and National Car Rental Emerald Club Executive.
Travel Complimentary
Priority Pass™ Select Membership
Complimentary enrollment in Priority Pass™ Select, providing access to over 1,300 airport lounges worldwide.
Travel Complimentary
The Centurion® Network Access
Complimentary access to The Centurion® Network lounges for you and up to two guests.
Travel Complimentary
The Hotel Collection Benefits
Receive a $100 hotel credit and a room upgrade when available, with a minimum two-night stay at participating properties booked through Amex Travel.
Travel $100 credit + upgrade
Up to $100

Interest Rates

Purchase APR19.99%–28.99% Variable
Cash Advance APR29.99%

Fees

Annual Fee $695
Authorized User Fee$350
Foreign Transaction FeeNone
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 OddsVery Good
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 returns, gaming welcome offers, rapid spending/payments on new accounts, too many applications in short period, not using the card for its intended purpose.
Cliff Effect Rules
Earning a welcome bonus on the standard Business Platinum Card from American Express or previous versions of these cards typically blocks eligibility for a bonus on the J.P. Morgan version, and vice-versa, due to Amex's 'once per lifetime' rule for card families.
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 if they have or have had this specific card or a related Business Platinum Card. Eligibility for this card is also restricted to J.P. Morgan Private Bank clients.
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 19.99%–28.99% Variable
Quick Summary
Annual Fee $695
RewardsPoints
Welcome Bonus150,000 Points
Foreign FeesNone
Min. FICO740+
Online
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