Last Chance To Earn 100,000 Points With The Game-Changing Business Platinum Card

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Signup bonus:

Until 1/25/17 the Business Platinum card is offering 50K bonus points for spending $5K and another 50K bonus points for spending another $10K within 3 months.

A tax payment can help you reach those spend thresholds and you can earn 50% bonus points with this card, read more here.

Airline fee credits:

In your first cardmembership you can get a $200 credit in 2017 and a $200 credit in 2018.

You need to register with a specific airline before spending. After you register for an airline you can officially only change your airline in January. However if you haven’t yet used your credit that year you should be able to change it by calling or chatting with AMEX.

You can view sample items that qualify for a airline fee refund here.

Note that the airline you choose will also be the airline that you get back 50% of your points back when redeeming for coach travel. You may want to hold off on spending the $200 until the end of the year if you want to be able to change the airline more easily during the year. You also get back 50% of your points on all airlines in business and first class redemptions without having to register for an airline. It takes about a day to get the 50% points rebate.

“Hybrid Points”

A couple months ago I explained the extreme value offered by “hybrid cards” like AMEX Business Platinum and Chase Sapphire Reserve.

The Business Platinum card is truly game changing thanks to the ability to choose whether to transfer points into airline miles when tickets are expensive.

You can transfer points to airlines like ANA, Air Canada, or Singapore for Star Alliance travel. Points transfer to Aeromexico, Alitalia, Air France/KLM, or Delta for Skyteam travel. Transfer to BA, Cathay Pacific, or Iberia for OneWorld travel. Other transfer options include El Al, Emirates, Etihad, Hawaiian, Virgin America, or Virgin Atlantic. This can make sense for one-way, last-minute, or premium class travel. The value with airline miles can be under a cent each if used poorly, but properly used the points can be worth 5 cents, 10 cents, 15 cents, or even more per point, the sky is the limit.

Otherwise you can choose to use them for paid tickets when tickets are less expensive at an whopping 2 cents (or higher) value per point. When you use them for paid tickets you don’t pay any taxes and you still earn miles for the flight!

AMEX also offers insider fares on select routes that can make your points be worth as much as 2.5 cents toward paid airfare!

You can login to your account and redeem AMEX points for travel here. If you want to redeem for travel on Southwest then you’ll need to call AMEX to book.

This hybrid redemption ability makes your points very valuable.

When you combine the card with other AMEX cards you can make your spending even more lucrative.

Supercharge your spending:

-If you spend more than $5,000 on the Business Platinum card you’ll also get 1.5 points per dollar, worth at least 3% back.

However other purchases only earn 1 point each. Rather than doing that you can spend on these other AMEX cards that will supercharge your earnings. And you can then redeem points earned on other AMEX cards with your Business Platinum card so that the points can be transferred into miles or used at a value of at least 2 cents each towards paid tickets!

You can apply for other AMEX cards on the same day and only have 1 credit pull.

-If you have the $95/year AMEX Everyday Preferred and make 30 transactions per month you will earn 4.5 points per dollar at US supermarkets, 3 points per dollar at US gas stations, 2.5 points per dollar on Uber, and 1.5 points per dollar everywhere else. With a Business Platinum card that’s a minimum of 9% back at US supermarkets, 6% back at US gas stations, 5% back on Uber, and 3% back everywhere else.

-If you have the no annual fee AMEX Everyday card and make 20 transactions per month you will earn 2.4 points per dollar at US supermarkets, 2.2 points per dollar on Uber, and 1.2 points per dollar everywhere else. With a Business Platinum card that’s a minimum of 4.8% back at US supermarkets, 4.4% back on Uber, and 2.4% back everywhere else.

Offer expired! -If you apply for the no annual fee AMEX Blue for Business card during its current limited time promotion you will earn 10.3 points per dollar at US restaurants within 6 months ($2K cap), 3.3 points per dollar on Uber within 12 months, 2.3 points per dollar everywhere for 12 months ($50K cap), and 1.3 points per dollar everywhere (2.3 for Uber) afterward thanks to the 30% annual points dividend. With a Business Platinum card that’s a minimum of 20.6% back at US restaurants for 6 months, 4.6% back everywhere for 12 months, and 2.6% back everywhere afterward.

-If you have the consumer Platinum Card you’ll earn 5 points per dollar on airfare. With a Business Platinum card that’s a minimum of 10% back

-If you have the Premier Rewards Gold card you will earn 3 points per dollar on airfare, 2 points per dollar at US supermarkets, gas stations, and restaurants. With a Business Platinum card that’s a minimum of 6% back on airfare, and 4% back at US supermarkets, gas stations, and restaurants.

-If you have the AMEX Business Gold you will earn 3 points per dollar on your choice of 1 category and 2 points per dollar in the other categories consisting of: airfare, advertising, gas stations, shipping, or computer hardware+software+cloud computing. With a Business Platinum card that’s a minimum of 4-6% back. Plus with Open Savings you’ll get an additional 5% cash back on Fedex, Hertz, or HP, for a total of up to 11% back from Fedex or HP.

Annual fee:

The Business Platinum card costs $450/year. But AMEX has now made that fee a very good value thanks to the ability to make all of your AMEX points worth at least 2 cents each.

The airline fee refunds also help take the sting out of the fee.

Plus there are a plethora of other benefits:

Charge card benefits:

Rather than being limited to a fixed credit line, these cards offer flexibility to spend far more, with the caveat that it needs to be paid back in full on the due date.

Gold elite status with 3 hotel chains:

Both Platinum cards offer Starwood Gold, Hilton Gold, and Marriott Gold elite status.

You can enroll online here for Hilton Gold status. You can also enroll additional cardholders for Gold status, but that needs to be done over the phone.

You need to call 800-525-3355 and select option 3 for Starwood Gold status.

Once you have Starwood Gold status you can match that online instantly to Marriott Gold status.

Hilton Gold status gets you upgrades, bonus points, 5th night free on awards, late checkout, breakfast, and bottled water. Free breakfast doesn’t usually do much for me as a kosher traveler, but we had the pleasure of staying at the Waldorf Astoria Jerusalem last year where we were treated to a fantastic daily breakfast, which is free for Hilton Gold and Diamond members. There is a mind-boggling quantity of awesome kosher food there, from dozens of daily hot dishes to hard cheeses, fresh fruits and pastries to fresh squeezed juices, as well as on-demand dishes like french toast, pancakes, waffles, and eggs. Unlimited wine, hot or cold chocolate drinks, and espresso drinks are included as well.

Starwood Gold status gets you late checkout, more points per dollar spent at SPG hotels, and a 250 point amenity on stays, even when redeeming points. Starwood elites can also register here to earn Starpoints on Delta flights on top of the regular Delta miles in addition to other benefits while Delta elites can get benefits at SPG hotels.

-Centurion lounge access:

American Express has operated Centurion lounges in Argentina, Brazil, India, and Mexico for some time.  Now they are expanding in the US market with lounges operating in Dallas, Houston, Las Vegas, LaGuardia, Miami, San Francisco, Seattle, and more to come such as Chicago, Los Angeles, and Philadelphia.

Originally the US lounges were designed for free access only for Centurion cardholders, you know them as those black cards that cost a ridiculous $2,500 per year with a $7,500 initiation fee that used to give elite status on airlines like Continental and USAirways but now is down to just Delta.

But once the Platinum card started losing airline lounges due to exclusivity with other banks AMEX opened it up to Platinum cardholders for free as well.

Primary and additional cardholders can access the lounge and they can each bring their spouse and kids into the lounge for free. Or they can bring in any 2 other people with them for free.

The lounges offer varying amenities like premium drinks, showers, and massages. And as they are staffed by AMEX you can even get help with account issues and access the lounge even if you forget your Platinum card.

-Priority Pass membership.

You can enroll here for a Priority Pass membership.

Unfortunately this membership doesn’t include any free guests, but additional Platinum cardholders can get their own free Priority Pass membership.

Lounges include the Art & Lounge in Newark which is the lounge that El Al provides for their business and first class passengers. It’s located before security and doesn’t require a boarding pass, so you can stop in for free kosher food and wine at any time! In Tel Aviv you can access the Dan lounge.

See the Priority Pass site for their complete list of lounges.

Priority Pass gives access to the full network of “The Club” with 8 domestic lounges and growing.

Airspace lounges:

Currently there are Airspace lounges in Cleveland, JFK (JetBlue T5 terminal), and San Diego.

Primary and additional cardholders can access the lounge and they can each bring their spouse and kids into the lounge for free. Or they can bring in any 2 other people with them for free.

These are modern lounges with free premium coffee, bottles water, and self service soft drinks.  Additionally you and every guest also gets a gift card valid towards purchasing premium alcohol, local craft beers, cocktails, and meals.

Delta SkyClub:

You can access Delta lounges for free with a Platinum card when flying on Delta.  You don’t get any free guests, but additional Platinum cardholders can access Delta lounges for free as well.

The Delta SkyClub in JFK even sells kosher meals if you need one!

Global Entry/Pre-Check Fee Refund

It costs $85 to apply for a 5 year TSA Pre-Check membership which makes flying pleasant again. Shorter lines, no need to remove your shoes, belt, jacket, or hat. You can keep your laptop and freedom baggie with liquids in your carry-on. And you go through a good old fashioned metal detector instead of assuming the position in a nude-o-scope.  If you charge it on your Platinum card the fee will be refunded.

It costs $100 to apply for a 5 year Global Entry membership which lets you bypass the customs line. If you have Global Entry you also get TSA Pre-Check. If you charge it on your Platinum card the fee will be refunded.

You can read more more about the differences in this post.

Additional cardholders qualify for a Pre-Check or Global Entry fee refund as well.

My whole family has Global Entry and it sure makes traveling a whole lot easier!

Unlimited worldwide Boingo WiFi:

With either Platinum card you now get free unlimited Boingo Wi-Fi worldwide, perfect for avoiding confiscatory rates at airports when traveling.  Search from over 1 million hot-spots here.

Enroll for free Boingo access here.

Gogo In-Flight Wi-Fi:

With the Business Platinum card only, you get 10 annual Gogo flight passes to use on any flight with Gogo internet.

You can enroll here for your free passes.

Lost Item Protection:

If you buy something on your Platinum card up to $10,000 and lose it within 90 days of purchase it will be fully covered. Many cards offer stolen item protection, but that requires a police report to be filed and often has a cap of just $1,000.

Car Rental Perks:

A 4 hour late return fee-free grace period at Hertz and fee-waived Gold Plus membership and National Executive guarantee upgrades and faster free award rentals.

The card also comes with free checked baggage insurance and it has no foreign exchange fees.  And of course it comes with all of the amazing purchase protections that other American Express cards have as well.

Business vs Consumer Platinum card:

-The consumer card’s advantages are now the 5 points per dollar on airfare and the bargain additional Platinum user fees.

-The business card’s advantages are now the 50% bonus points for spending $5,000+, the GoGo WiFi passes, Open Savings rebates on purchases from Fedex, HP, Hertz, and more. But the main advantage is the 50% rebate for using points for airfare.

AMEX business cards don’t appear on your credit report. That’s good for several reasons.

First of all they won’t count against your 5/24 count for opening new Chase cards. Only cards on your report that have been opened within the past 24 months count for that.

Second, when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an AMEX business card it’s just not reported, so you can wait until the money is due without it having a negative effect on your score.

Third, if you close a business card it won’t ever have an effect on your score.

You may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can just open a business credit card for “Joe Smith Sole Proprietorship” as the business. You don’t need to file any messy government paperwork to be allowed to do that.
Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field


Will you be signing up for a Business Platinum card?

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68 Comments On "Last Chance To Earn 100,000 Points With The Game-Changing Business Platinum Card"

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“Less Than 1 Week Left To Earn 100,000 Points With The Game-Changing Business Platinum Card” you mean to apply for the card not to earn it


Im not understanding something. “AMEX points worth at least 2 cents each”. What do you mean atleast? The chase reserve card, which I have is 1.5:1.. Meaning if a ticket costs $1,000, I can use 66,000 points for the ticket….

With the business plat. card, if a ticket is $1,000, how many points will i have to redeem to pay for the ticket?

thank you


Does the one-time bonus restriction apply to the Amex business cards?


@dan if you has to choose one, would it be the Amex Plat for business or the Chase Ink Business Preferred?

We dont do much travel but a lot of shipping so I am liking the 3 points/dollar on shipping that I can tranfer to the Sapphire Reserve card.



Dan, how are these points stack up against SPG pts in terms of value?


When signing up for this card or the Chase Sapphire reserve, are there any lounges that you will get access to in PHL or FLL?


i have been unable to get the chase card because i have 5 cards opened in last 24 months. My 2 questions are is three a way around this? secondly, how do most people on this site doing miles, especially someone like Dan, who I assume are constantly opening cards for miles bonuses, not have 5 cards in last 24 months


@moshe: You’re usually exempt from 5/24 if you have Chase Private Client. Officially, you need like $250k assets with Chase to get it, but there are workarounds apparently (I haven’t needed to try but others have gotten in with much less/became a signer on a relative’s account).



You pay 100K points and get a 50K rebate.

Sounds like Ink Preferred makes sense if you ship a lot.

Depends on what you redeem them for, but 2 cents each is a great value for these points thanks to the rebate.

AMEX will be opening a Centurion lounge in PHL this year.

Yup, CPC helped for me, though it’s not working as well as it once did.


Any data points if you only partially used the $200 airline credit will they allow you (at least more than if you used the whole $200) to change the airline? TIA


Can I have 2 Biz Plat cards and select 2 different airlines for 50% refunds?


anyway to get AF waived


If i am traveling from nyc to salt lake city I could redeem my new points on my reserve card for 32K points on delta or 25K on united but these tickets are only valued at 1.46 compared to the dollar amount I feel I am getting a low value for these points is it better to pay cash and save these points for later? any ideas dan? what would be a good value for these points?


Dan I just signed up for Amex platinum a month ago and did the TSA pre check but not the global entry. Am I still eligible to sign up for the global entry and get reimbursed?

Thank you


if i had a buissness platinum card 2 years ago will i get the bonus again?


how much $$ is addtl card holders, on the PLATINUM card?


@Dan “you pay 100k points and get 50k rebate”.. WOooo this is way better than chase reserve, right?


Some people have been able to, it’s YMMV.

But all airlines qualify in business and first class and most people are able to change the airline in coach before they use the fee credit.

Do you have a business platinum card?

Well that was a mistake. I’m not sure what will happen if you try for Global Entry now.
Do you have a Sapphire Reserve card?

$300 for additional Business Platinum cardholders, but you should be able to add Green cardholders for free.

On the consumer platinum side you can add 3 cardholders for just $175 total and they get lots of bennies like lounge access and global entry.

It is in some ways.
But it’s more limited as while it applies to all airlines in business and first, you need to pick a US based airline for coach.
You can easily change that if you haven’t used your fee credit, but it won’t work for foreign airlines in coach like Sapphire Reserve will.



those that were successful in getting it waived what did they do?


What does it mean that you can the $200 airline credit with a “flight change fee”? what is that?


Anyway you can get the bonus if you already received the bonus?


does the GREEN card have the same benifits? if not, what are the differences?



Is there any way to find out if i once had the card?

Online portal?

I understand that if i did have it in the past i wont get the bonus.

I dont want to get it and then get shot down for the bonus.


Dan, If I had a business platinum and downgraded to green card can I apply now and get 100k? Thanks


I do not have the platinum card. what would be good value for the points? am I better off paying cash?


Hi dan can I do a 3bm on the amex platinum for three businesses (legit with tax id numbers) and get only one hard pull? will I get on all of them the bonus (does all go on the owner which means only one bonus or does it go on the business)? Finally I get quite often these targeted offers of 150k bonus which I throw out , is there any way that I can get hold of that offers ( is it stored by amex on the business name etc.)?


@Anonymous: obviously it’s not a easy straightforward thing….otherwise Dan would have posted it…’s probably something more grey area-ish that’s a bit risky…..


if i already have the amex platinum will i get the bonus?


Does it mean you have to spend 15K within the first 3 months to get the full 100k bonus?


If I have a new buizz would I be eligible for bonus even if I had card before under an old buizz. Thanks


If I apply for the business platinum but do not have a business, will they give it to me, assuming I have excellent credit?


If AMEX gave you 50% off miles on ALL airlines, it would be a game changer. The way it’s set up now can be difficult to maximize unless you do most of your paid flying on one airline. I’m never sure which airline I’ll be buying my next ticket on — or whether the fare will even be available on the AMEX travel website (you have to book it there — you can’t book direct with the airline, right?). In other words, it’s certainly not a bad card to get, but “gamechanger” overstates the benefit.

Hesky Kutscher

If I have the consumer Platinum , would you reccomend getting the business platinum?



What are you trying to accomplish with the AU card?

Call and ask.

If you don’t try you won’t know.

Consumer or business? Closed or downgraded?


Don’t have a hobby that you want to track expenses for?

1. You can change the airline easily until you spend the $200 credit.
2. You can call AMEX to book airfares and airlines that don’t come up online, like Southwest.

@Hesky Kutscher:
The Business Platinum is far superior.

green AU

a rep told me that the green AU gets only global entry credit (no lounges)


@Anonymous: I am not talking about different ways to get 200 airline credit back.

I am not sure waiving AF is in the “grey area”


You’re link to apply for the credit card is broken


@green AU:

Try another browser.


Has Amex been accepting “hobbies” as the business and do they look at the rating of the applicant rather than the listed business


Hi Dan, I have signed up for business platinum before and received the bonus. Can I open a new card???
maybe for another business???


Hi Dan, I currently have an AMEX Business Gold card with tons of points, if I upgrade or apply for a new Business Platinum can I then transfer the Gold points to the Platinum?
I received a targeted offer in the mail from AMEX offering 150K points for a business Platinum, is that the same card your offering?


Any advice on how you got a 150K mailer?


does priority pass give you free entry or does it cost 27$ ?


Yes, you can have a card for a hobby business.
The approval is based on your personal credit.

Yes and yes.



Dan have some had succes of waiving AF first year by simply asking for a waiver for first year only


Thanks for the quick response!
FYI Staples is offering this week a $20 rebate on Visa gift cards


Which airline is most recommended for 50% rebate flying out of nyc


All airlines have a good presence out of NYC.
You should be able to change the 50% rebate airline easily until you use the airline fee credit that calendar year.


Do the add card holders get spg gold as well you wrote only for the hilton?


What does it mean that you need to pay each month by the due date? If my due date 1st of every month, and I make a purchase on Jan 25th, do I need to pay by Feb 1st or March 1st?


They should be able to.

March 1.


i never even bother with chase bcards– for some reason i get denied every time bc of 5/24 even though i feel like i havent opened 5 cards in last 2 years.


@dan, we’ve recently moved from Queens to NJ, which makes our Delta Amex less relevant to us (we fly to Israel every year).
We couldn’t find any AMEX mileage points program for airlines flying from EWR. Did we miss anything? Plus, what should we do with the Delta AMEX card?


Did you check your report?

-The best use will likely be the 50% rebate with United.
-You can transfer points to Singapore to book award travel on United at rates that are much lower than United charges.


Two quick questions since I would like to make the deadline:
1) Is purchasing Amazon Gift Cards a “qualifying purchase” for this 100K deal? It says “prepaid cards” are not eligible.
2) How much should I state I am spending per month? I don’t want to end up with a wopper credit line.
Thanks! Shlomo


Is it worth applying for this if i ready have a CHase sapphire reserve? I only travel abroad once a year


1. Yes.
2. There is no credit line on this card.

It’s worthwhile for the signup bonus. Also it’s a great card for paid tickets thanks to the 50% rebate.


i had both consumer and business in the passed year which i closed, will i be able to get the bonus on this one?


Dan, I got this card yesterday-1/25. They told me that the offer only has the 50k-not 100k. Should I have put in a special code, or can I request it in a branch?




I believe it was thru this site (because that`s where I got this info).


Thanks. It was definitely before 2:59pm. However, I dont know for sure that it was thru this site. any advice?


Dan, i got the chase sapphire reserve and want to get rid of my sapphire preferred , should i go with the freedom or freedom unlimited ?


FYI had united at my designated airline for the $100 airline credit in 2016 on my gold card and used $50 of it last January. I called in December and they switched it to delta and used the other $50 for a delta gift card. Also, When i called to ask if the credit will work on a gift card the person I spoke to said it won’t but it did.