Amex Business Platinum Big 200,000 Point Offer — And Credits To More Than Cover The Card’s Fee

Jan 14 2026

The Business Platinum Card® from American Express is really aggressive right now with an elevated offer to earn 200,000 points after you spend $20,000 in eligible purchases on the card within the first 3 months. They’ve refreshed the product and they’re definitely creating buzz with it. This is an $895 annual fee card (see rates and fees). I thought I’d gotten a great offer for the card when it was 150,000 about 20 months ago. I’m a bit jealous of the bigger offers available now. Here’s what the card delivers. Lounge Access American Express touts to over 1,550 lounges. The truth is most of those are via the Priority Pass Select membership you can enroll for. And most premium cards come with one of those – it’s not a differentiator. What’s unique about this card…

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