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American Express

Business Platinum Card® for LPL Financial

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 LPL Financial

Welcome Bonus

150,000 Points
Welcome Bonus
Spend $20,000 in the first 90 days
Bonus Posted 8-12 weeks after you have met the spend requirement

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, British Airways Executive Club, Air France-KLM Flying Blue, ANA Mileage Club, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, Hilton Honors, Marriott Bonvoy, Etihad Guest, Emirates Skywards, Hawaiian Airlines HawaiianMiles, Iberia Plus, JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, SAS EuroBonus
Redemption NotesCash redemptions valued at 0.6 cents per point
CategoryRateTypeCap
Flights Booked Directly with Airlines or Amex Travel
On flights booked directly with airlines or with American Express Travel.
 5x Points No cap
Prepaid Hotels Booked Through Amex Travel
On prepaid hotels booked through American Express Travel.
 5x Points No cap
Eligible Purchases of $5,000 or More
On eligible purchases of $5,000 or more, up to $2,000,000 in these purchases per calendar year.
 1.5x Points $2,000,000/yr
All Other Eligible 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

Interest Rates

Purchase APR19.99%–28.99% Variable
Balance Transfer APR28.99%
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 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 returns, credit cycling, applying for too many cards in short period, not paying bills
Cliff Effect Rules
The primary restriction is the 'once per lifetime' rule for the specific Business Platinum Card product. Holding other Amex Platinum cards (e.g., personal versions) does not typically block eligibility for the Business Platinum welcome offer, provided the applicant has not had the Business Platinum card itself.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
American Express enforces a 'once per lifetime' rule for welcome bonuses, meaning applicants are generally ineligible if they have or have had this specific Business Platinum Card product or previous versions. Eligibility for the welcome offer is tied directly to the product's history with the applicant, not other Amex cards.
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+
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