The Enterprise Platinum Card® from American Specific at present options the best welcome bonus it is ever supplied publicly: Earn 200,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership.
These factors are price $4,000, per TPG’s October 2025 valuations, which supply a compelling cause to think about making use of.
However earlier than you begin filling out your software, you would possibly surprise when you’re even eligible to benefit from this provide. It is a small-business card, so there are totally different necessities than if you apply for a private card.
Nevertheless, you would possibly qualify for the Amex Enterprise Platinum Card and that implausible welcome provide with out even realizing it.
Listed below are a number of the methods to find out when you’re eligible to use for the Amex Enterprise Platinum card and whether or not it is sensible to take action.
Amex Enterprise Platinum Card particulars
As a fast reminder, listed below are the present provide particulars and a roundup of the cardboard’s key perks:
Present welcome provide
New Amex Enterprise Platinum cardmembers can earn 200,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership.
That is the best welcome bonus we have ever seen publicly supplied on this card.
Annual charge
The Amex Enterprise Platinum card comes with a $895 annual charge (see charges and charges). Whereas this charge is massive, it is attainable to offset this value by maximizing the assertion credit and advantages that include the cardboard.
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Incomes
The Amex Enterprise Platinum earns factors on the following charges:
- 5 factors per greenback spent on flights and pay as you go lodges booked on amextravel.com
- 2 factors per greenback spent on eligible purchases at U.S. development materials and {hardware} suppliers, U.S. digital items retailers, U.S. software program and cloud system suppliers and U.S. transport suppliers, in addition to on purchases of $5,000 or extra (as much as $2 million per calendar 12 months, then 1 level per greenback spent)
- 1 level per greenback spent on different purchases
Key advantages
The Amex Enterprise Platinum consists of quite a few assertion credit, together with:
- Dell assertion credit score: As much as $150 in assertion credit on U.S. purchases made instantly at Dell and an extra as much as $1,000 assertion credit score after spending $5,000 or extra with Dell every calendar 12 months*
- Lodge assertion credit score: As much as $600 resort assertion credit score per calendar 12 months (as much as $300 in semi-annual credit), on pay as you go Amex Wonderful Accommodations + Resorts or The Lodge Assortment bookings by means of Amex Journey if you pay along with your Amex Enterprise Platinum (Lodge Assortment stays require a two-night minimal)
- Certainly assertion credit score: As much as $360 in annual assertion credit on Certainly (as much as $90 per quarter)*
- Adobe assertion credit score: As much as $250 assertion credit score after spending $600 or extra on U.S. purchases made instantly at Adobe every calendar 12 months (topic to auto-renewal)*
- Clear Plus assertion credit score: As much as $209 in assertion credit per calendar 12 months towards an annual Clear Plus membership for expedited airport safety (topic to auto-renewal)*
- Airline charge credit: As much as $200 every year in assertion credit per calendar 12 months for expenses by the certified airline you choose
- Hilton assertion credit score: As much as $200 assertion credit score per calendar 12 months (as much as $50 quarterly) on eligible purchases made instantly with a property within the Hilton portfolio (Hilton for Enterprise program membership is required)
- World Entry or TSA PreCheck: As much as $120 in assertion credit for World Entry or TSA PreCheck purposes ($120 for World Entry each 4 years or as much as $85 for TSA PreCheck each 4½ years)
- Wi-fi phone service assertion credit: As much as $120 in annual assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 per thirty days)*
- Amex Journey flights and One AP: As much as $1,200 in Amex Journey flight assertion credit and as much as $2,400 in One AP assertion credit (legitimate from Jan. 1 to Dec. 31 of the calendar 12 months after assembly the requirement), each after spending $250,000 or extra on eligible purchases in a calendar 12 months
Different advantages embrace a 35% airline bonus if you use Pay with Factors for airfare booked by means of Amex Journey (as much as 1,000,000 factors again every calendar 12 months) on the airline that you choose in your annual as much as $200 airline charge assertion credit score, no matter fare class, and complimentary Gold elite standing in Hilton Honors*, Gold elite standing with Marriott Bonvoy* and Leaders Membership Sterling standing from Main Accommodations of the World.*
Plus, eligible cardmembers obtain entry to Centurion Lounges, Delta Sky Golf equipment (when flying Delta)**, Precedence Cross™ lounges* (for you and two visitors) and Airspace lounges.
Due to all these perks, the Amex Enterprise Platinum commonly ranks among the many greatest enterprise rewards playing cards.
*Enrollment is required.
**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.
Associated: Lesser-known advantages of the Amex Enterprise Platinum card
Are you eligible to use for the Amex Enterprise Platinum?
You could be eligible for the Amex Enterprise Platinum, together with its welcome provide, when you’re a first-time applicant.
Even when you’re a freelancer, impartial contractor or have a aspect hustle, you may nonetheless get permitted for the Enterprise Platinum. You needn’t make seven figures (and even 5 figures) out of your small enterprise every year to have a small-business card.
Let us take a look at the phrases and circumstances of the cardboard itself, after which we’ll delve into a number of the extra particular software guidelines Amex has in place.
Amex Enterprise Platinum software phrases
Like many different American Specific playing cards, the Amex Enterprise Platinum has strict eligibility guidelines in terms of incomes its welcome provide — particularly for present or former cardmembers.
In response to the appliance phrases:
You might not be eligible to obtain a welcome provide when you’ve got or have had this Card or earlier variations of this Card. You additionally might not be eligible to obtain a welcome provide based mostly on varied components, akin to your historical past with bank card stability transfers, your historical past as an American Specific Card Member, the variety of bank cards that you’ve opened and closed and different components. If you’re not eligible for a welcome provide, we’ll notify you previous to processing your software so you could have the choice to withdraw your software.
In different phrases, you might be disqualified not just for having had the cardboard earlier than, but additionally when you’ve opened and shut a number of Amex playing cards or carried out plenty of stability transfers.
Unsure when you’ve had the cardboard previously? Amex has a helpful device throughout the software course of that can let you already know when you’re eligible for the welcome provide earlier than your software is processed.
That stated, welcome provide eligibility with Amex is not at all times so lower and dry — it is based mostly on a spread of inside components, so your mileage could range.
Amex software restrictions
American Specific sometimes limits most individuals to holding a most of 5 Amex bank cards directly — together with each private and enterprise playing cards.
Nevertheless, sure merchandise, just like the American Specific Platinum Card® and the Amex Enterprise Platinum, are slightly totally different from conventional bank cards in that they don’t have any preset spending restrict — which signifies that your spending restrict is versatile, not like a standard card with a set restrict. The quantity you may spend adapts based mostly on components akin to your buy, fee and credit score historical past.
As a result of these playing cards fall right into a separate class, they’re seemingly not topic to Amex’s five-credit-card restrict. That does not assure approval, nevertheless.
Amex additionally considers your general profile, together with creditworthiness and up to date software historical past, when deciding whether or not to approve you.
Amex additionally sometimes limits approvals to 2 playing cards inside a 90-day interval, so when you’ve lately utilized for an additional Amex card, you might want to attend earlier than making use of once more.
If you have already got a number of Amex playing cards with excessive credit score limits, the issuer might not be prepared to increase any additional debt to you.
Talking of issuer software restrictions, when you’re eyeing a Chase card just like the Chase Sapphire Most popular® Card (see charges and charges), you may be nervous about Chase’s 5/24 rule.
However there’s excellent news: Amex enterprise playing cards do not depend towards that restrict. So you may apply for the Amex Enterprise Platinum with out affecting your possibilities of getting a Chase card down the road.
Associated: The final word information to bank card software restrictions
Does it matter if you have already got a private Amex Platinum card?
In no way. The private and enterprise variations of the Amex Platinum are thought of separate merchandise, so already holding the private card will not disqualify you from making use of for the Enterprise Platinum — or from incomes its welcome provide.
Do you want a enterprise to use?
Not essentially. Whereas the Amex Enterprise Platinum is technically a small-business card, you do not want a proper enterprise to qualify. Amex — and different issuers — acknowledge that freelancers, impartial contractors and aspect hustlers typically want enterprise bank cards to separate private and work bills.
That stated, the Enterprise Platinum is a premium product, so approval is not assured for simply any aspect gig. It’s possible you’ll want to supply proof of enterprise earnings or supporting particulars like a “doing enterprise as” (DBA) title, relying in your software.
Are you able to get the cardboard twice?
In some circumstances, sure — particularly when you function a number of companies. There are reviews of cardmembers being focused with affords to use for a second Amex Enterprise Platinum with one other welcome provide.
Amex understands that separate companies could require separate playing cards for accounting and expense monitoring. So when you run a couple of enterprise — or work for a number of corporations —you may be prequalified for an extra Enterprise Platinum.
These cases are comparatively uncommon, although. In case you do obtain one, it is a good suggestion to contact Amex instantly to verify your eligibility for the welcome provide earlier than making use of.
Name the reconsideration line
In case your software for the Amex Enterprise Platinum is declined, do not hand over simply but — calling the Amex reconsideration line may give you a second shot at approval. By calling them, you may ask if there have been particular points along with your software you could tackle over the telephone or by offering additional data.
Throughout the name, you may ask if there have been particular considerations along with your software and provide to supply extra data. Be ready to elucidate why you are within the card — past simply the welcome provide — akin to particular options or advantages that align with your online business wants.
You might also want to produce particulars about your online business, together with earnings verification and enterprise tackle.
In case you’re nonetheless denied, do not be discouraged. It’s possible you’ll be eligible to use once more sooner or later, particularly if Amex rolls out an elevated welcome provide. Take into account it a platinum lining.
Backside line
The Amex Enterprise Platinum stays one of many prime small-business rewards playing cards available on the market — particularly with its present elevated welcome provide. In case you’re desirous about making use of, take a second to learn the eligibility necessities to offer your self the very best likelihood of approval.
Apply right here: The Enterprise Platinum Card from American Specific
For charges and charges of the Amex Enterprise Platinum, click on right here.
