The Enterprise Platinum Card® from American Categorical Overview

Over the previous nineteen years as a enterprise proprietor, I’ve used numerous enterprise playing cards. Some have been wonderful and elevated each my journey and my enterprise. Others have been…properly, lackluster.

The most effective? The Enterprise Platinum Card® from American Categorical. It comes with loads of world-class perks and advantages, high quality buyer care, and a strong rewards construction (particularly on massive purchases).

Whereas the annual price is fairly excessive ($695, pay over time accessible. See Charges and Charges), for me, the journey advantages, together with all of the assertion credit, make the cardboard price carrying. I feel it’s an important alternative for enterprise homeowners who journey incessantly.

On this breakdown, I’ll element the cardboard, what you get, and why I prefer it.

What’s the Enterprise Platinum Card® from American Categorical?

The Enterprise Platinum Card® from American Categorical is a journey rewards card geared in the direction of enterprise homeowners. (Bear in mind: even aspect hustles and freelancing rely as companies so you may get this card even with out being an LLC.) First, let’s go over a number of the greatest belongings you get whenever you join, which make it a no brainer to get for the primary 12 months:

• Restricted Time Supply: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked instantly with airways or by American Categorical Journey together with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You may earn one or each of those provides. Supply ends 6/30/25.
• Earn 5X Membership Rewards® factors for flights, pay as you go resorts, and short-term leases and pay as you go flight + resort packages booked at AmexTravel.com. 1x factors on different eligible purchases.
• 1.5x factors per greenback on every eligible buy at US building materials, {hardware} suppliers, digital items retailers, and software program & cloud system suppliers, and delivery suppliers, in addition to on purchases of $5,000 or extra, on as much as $2 million per Card Account per calendar 12 months. Purchases eligible for a number of further level bonuses will solely obtain the very best eligible bonus.
• Complimentary entry to the American Categorical World Lounge Assortment®, that includes greater than 1,400 airport lounges throughout 140 international locations. Entry is restricted to eligible Card Members.
• As much as $120 in assertion credit for World Entry or TSA Pre-check each 4 years.
• As much as $199 yearly CLEAR® Plus credit score (topic to auto-renewal)
• As much as $200 in assertion credit per calendar 12 months for incidental charges charged by your one chosen, qualifying airline.
• As much as $200 in assertion credit per calendar 12 months whenever you make an eligible buy at Hilton properties. (Distributed in as much as $50 increments per quarter. Hilton for Enterprise program membership is required.)
• $150 credit score with Adobe on eligible annual pay as you go marketing strategy purchases of Adobe Inventive Cloud for groups or Adobe Acrobat Professional for groups on the Enterprise Platinum Card by 6/30/25.
• As much as $120 per calendar 12 months in assertion credit for purchases made instantly from any U.S. wi-fi phone supplier (as much as $10 again per thirty days).
• Complimentary Marriott Bonvoy® Gold Elite standing (enrollment required)
• Complimentary Hilton Honors Gold standing (enrollment required)
• No international transaction charges

Utilizing Your Membership Rewards Factors

You’ll earn Membership Rewards factors with The Enterprise Platinum Card® from American Categorical. Since Amex has a well-rounded suite of journey companions, Membership Rewards factors are a number of the most respected factors on the market.

These are Amex’s present journey companions:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Membership (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Membership (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Selection Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Visitor (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Membership (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Membership (1:1 ratio)

Most transfers are on the spot, although some can take as much as 48 hours.

It’s also possible to use your Membership Rewards factors to e book flights and resorts within the Amex Journey portal. I usually wouldn’t do that although because it’s not the most effective use of your factors. It’s at all times higher to switch them out to one in all their companions. Nonetheless, you may get 35% factors again whenever you do e book through their portal so simply examine the factors prices between each earlier than making a call.

Breaking Down the Enterprise Platinum’s Credit and Advantages

Amex playing cards are well-known for his or her plethora of perks and advantages. They’re an enormous purpose I really like their playing cards. And, should you can reap the benefits of all that it has to supply, the Enterprise Platinum boasts over $1,700 price of worth. However, with so many classes and a lot advantageous print, it may be onerous to maintain observe of whether or not a profit is definitely helpful on your spending habits. So, that will help you determine if the cardboard is best for you, I wish to break down a number of the main classes of advantages:

Airport Expertise Credit (Lounge Entry, CLEAR Plus, World Entry/TSA PreCheck)
The most effective issues about this card — and what makes it a standout for frequent vacationers — is the unbeatable airport lounge entry. You’ll get into a number of the prime lounges worldwide, together with the superb Centurion Lounges and Delta Sky Golf equipment (whenever you’re flying Delta, with as much as 10 visits per 12 months).

On prime of that, you’ll get complimentary entry to the large Precedence Move community. If having a quiet house to loosen up, seize a drink, or get some work carried out is a precedence whenever you journey, this card has you coated just about anyplace.

I additionally respect that the Enterprise Platinum helps you get by the airport sooner. It provides as much as $199 in assertion credit annually for a CLEAR® Plus membership, which speeds you thru safety strains.

You’ll additionally get a credit score for World Entry (as much as $100 each 4 years) or TSA PreCheck (as much as $85 each 4.5 years), relying on which one you select. I personally suggest going for World Entry. It takes a bit extra effort (there’s an interview), however it consists of TSA PreCheck too. It’ll prevent a ton of time should you journey internationally.

Airline and Resort Credit
One other travel-related profit is the as much as $200 airline credit score. Sadly, it comes with a good variety of restrictions, making this credit score a bit extra annoying to make use of. It will possibly solely be used on one (pre-selected) airline, and you may solely use it for incidentals, not airfare. However should you don’t have an airline bank card that provides free baggage, it may be helpful to have. It’s also possible to use the credit score for airline bills like paid seat choice or on-board food and drinks.

The Enterprise Platinum additionally provides a number of Hilton-related advantages. First, you may obtain as much as $200 in assertion credit at Hilton properties when booked instantly. Since these credit are distributed in quarterly $50 increments, you’d have to remain in a Hilton property at the very least 4 instances a 12 months to get the total worth of this credit score. However should you’re on the street lots, that may be straightforward to do.

Second, the Enterprise Platinum provides complimentary Hilton Honors™ Gold Standing (in addition to Marriott Bonvoy® Gold Elite standing), which provide additional perks and advantages when staying at these properties.

Enterprise-Associated Assertion Credit
The Enterprise Platinum card comes with some nice perks to assist lighten the monetary load of working a enterprise. Bills can actually add up should you’re managing a enterprise whereas touring, so I respect that the Enterprise Platinum helps offset these prices.

You may rise up to $400 in assertion credit on U.S. Dell purchases (by June 30, 2025, cut up into $200 chunks each six months). There’s additionally as much as $360 again per 12 months on Certainly adverts (as much as $90 every quarter), which is nice should you’re hiring as what you are promoting grows.

When you use Adobe instruments, there’s a $150 credit score accessible whenever you prepay yearly for eligible Adobe Inventive Cloud or Acrobat Professional plans for groups. And to maintain you linked on the go, you’ll rise up to $120 a 12 months for purchases made instantly with U.S. wi-fi suppliers — that’s $10 again every month.

Amex Affords
On prime of all these invaluable assertion credit, the Enterprise Platinum offers you entry to Amex Affords, a simple manner to avoid wasting money or rack up additional factors with a variety of shops. These offers rotate often and are personalised, so what exhibits up for you may be completely completely different from what one other cardholder sees. More often than not, it’s a easy setup like “spend X, get Y again.” I at all times test Amex Affords earlier than I buy. (The non-public card provides this too.)

The Enterprise Platinum’s Journey Insurance coverage
The Enterprise Platinum additionally comes with nice journey insurance coverage. Whereas I nonetheless suggest shopping for a standalone coverage for medical, this card consists of robust built-in protection like journey delay, journey cancellation, emergency evacuation, and medical transport. It additionally consists of mobile phone safety for injury or theft, a uncommon however invaluable perk. For a most of $800 per declare, with a restrict of two authorised claims per 12-month interval, when your mobile phone line is listed on a wi-fi invoice and the prior month’s wi-fi invoice was paid by an Eligible Card Account. A $50 deductible will apply to every authorised declare.

So, when you may get away with the cardboard’s insurance coverage should you e book the journey on the cardboard, I wouldn’t depend on it utterly. But it surely’s higher than most!

Do you have to get this card?

The Enterprise Platinum is good for frequent vacationers who can benefit from perks like smoother airport experiences and resort elite standing. When you can reap the benefits of a number of of the business-related assertion credit, the assertion credit alone make the excessive annual price price it. I get loads of worth from the cardboard by the assertion credit that make carrying the cardboard after the primary 12 months actually price it.

Whereas it’s true you solely get 1x level per greenback spent on something beneath $5,000 (which isn’t nearly as good as many different playing cards), the factors again on redemptions and the tons of assertion credit, elite standing, Amex provides, and companions you don’t discover anyplace else make this card important for any enterprise proprietor.

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