CURRENT OFFER:  Earn 250,000 bonus points after you spend $20,000 in eligible purchases on the Card within your first 3 months of Card Membership                                                                   

ANNUAL FEE:  $695 annually                                                                                  

For years, American Express led the premium card market with attractive benefits that provided genuine value. However, new competitors have demonstrated that these benefits are neither exclusive nor as challenging to offer to customers. Here are some of the benefits offered by the American Express Platinum card that the bank unnecessarily complicates.

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$200 Airline fee credit                                                                                         $120 Wireless credit                                                                                              $360 Indeed credit                                                                                                $150 Adobe Creative Solutions                                                                           $400 Dell credit                                                                                                   $189 CLEAR® Plus Credit                                                                                       Lounge access

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1. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card Account.1‡ American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.

2. $120 Wireless credit  Enroll and get up to $120 in statement credits per year for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $10 back per month.

3. $360 Indeed credit:  Build your team, grow your business. Enroll and get up to $360 in statement credits(up to $90 back per quarter) for purchases with Indeed on the Card through 12/31/24.‡ 

4. $150 Adobe Creative Solutions:  Get the creative solutions your business needs. Enroll and get up to $150 in statement credits for eligible annual prepaid business plan purchases of Adobe Creative Cloud for teams or Adobe Acrobat Pro for teams on the Business Platinum Card through 12/31/24

5. $400 Dell Credit:  Upgrade your tech, enhance your business. Enroll and get up to $200 in statement credits semi-annually on U.S. purchases with Dell Technologies on the Business Platinum Card through 12/31/24. That's up to $400 back.‡ 

6. $189 Clear Plus credit:  CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports, stadiums, and entertainment venues nationwide. You can cover the cost of a CLEAR Plus Membership1 with up to $189 in statement credits per calendar year after you pay for CLEAR Plus with your Business Platinum Card 

7. Lounge access: Enjoy complimentary access to over 1,400 airport lounges globally, including The Centurion® Lounge, Escape Lounges - The Centurion® Studio Partner, Delta Sky Club® when flying Delta, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges. Lounges may have their own rules, like age restrictions and guest fees, and for Priority Pass Select, you need to enroll. To find a lounge, visit the membership section in the American Express® App‡ or visit americanexpress.com/findalounge 

American Express's approach to these benefits contrasts sharply with competitors like Chase and Capital One, which offer simpler and more flexible perks without the need for enrollment or restrictive conditions. While American Express continues to offer significant value, particularly for frequent travelers, its complex benefit structure can frustrate cardholders seeking straightforward rewards.