The Enterprise Platinum Card® from American Specific presently options the very best welcome bonus it is ever supplied publicly: Earn 200,000 bonus factors after spending $20,000 on eligible purchases inside the first three months of card membership.
These factors are value $4,000, per TPG’s October 2025 valuations, which provide a compelling cause to think about making use of.
However earlier than you begin filling out your utility, you may marvel when you’re even eligible to make the most of this provide. This can be a small-business card, so there are totally different necessities than while you apply for a private card.
Nevertheless, you may qualify for the Amex Enterprise Platinum Card and that incredible welcome provide with out even realizing it.
Listed here are a few 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 here 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 inside the first three months of card membership.
That is the very 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 costs). Whereas this charge is giant, it is doable to offset this price 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 inns 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 immediately at Dell and a further 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 Advantageous Inns + Resorts or The Lodge Assortment bookings by means of Amex Journey while you pay together 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 immediately 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 immediately 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 functions ($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 immediately from any U.S. wi-fi phone supplier (as much as $10 per 30 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 embody a 35% airline bonus while 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 Inns of the World.*
Plus, eligible cardmembers obtain entry to Centurion Lounges, Delta Sky Golf equipment (when flying Delta)**, Precedence Go™ lounges* (for you and two visitors) and Airspace lounges.
Because of all these perks, the Amex Enterprise Platinum often 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, unbiased contractor or have a aspect hustle, you may nonetheless get authorized 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’s take a look at the phrases and situations of the cardboard itself, after which we’ll delve into a few of the extra particular utility guidelines Amex has in place.
Amex Enterprise Platinum utility 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.
Based on the appliance phrases:
You will not be eligible to obtain a welcome provide if in case you have or have had this Card or earlier variations of this Card. You additionally will not be eligible to obtain a welcome provide based mostly on varied components, comparable 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 got opened and closed and different components. If you’re not eligible for a welcome provide, we’ll notify you previous to processing your utility so you’ve gotten the choice to withdraw your utility.
In different phrases, chances are you’ll be disqualified not just for having had the cardboard earlier than, but in addition when you’ve opened and shut a number of Amex playing cards or carried out a number of stability transfers.
Undecided when you’ve had the cardboard up to now? Amex has a useful instrument throughout the utility course of that may let when you’re eligible for the welcome provide earlier than your utility is processed.
That mentioned, welcome provide eligibility with Amex is not at all times so reduce and dry — it is based mostly on a spread of inner components, so your mileage might fluctuate.
Amex utility restrictions
American Specific sometimes limits most individuals to holding a most of 5 Amex bank cards without delay — together with each private and enterprise playing cards.
Nevertheless, sure merchandise, just like the American Specific Platinum Card® and the Amex Enterprise Platinum, are somewhat totally different from conventional bank cards in that they haven’t any preset spending restrict — which signifies that your spending restrict is versatile, in contrast to a standard card with a set restrict. The quantity you may spend adapts based mostly on components comparable to your buy, fee and credit score historical past.
As a result of these playing cards fall right into a separate class, they’re possible not topic to Amex’s five-credit-card restrict. That does not assure approval, nonetheless.
Amex additionally considers your general profile, together with creditworthiness and up to date utility 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 just lately utilized for an additional Amex card, chances are you’ll 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 will not be prepared to increase any additional debt to you.
Talking of issuer utility restrictions, when you’re eyeing a Chase card just like the Chase Sapphire Most well-liked® Card (see charges and costs), you could be frightened about Chase’s 5/24 rule.
However there’s excellent news: Amex enterprise playing cards do not rely 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 utility restrictions
Does it matter if you have already got a private Amex Platinum card?
By no means. The non-public 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, unbiased contractors and aspect hustlers usually want enterprise bank cards to separate private and work bills.
That mentioned, the Enterprise Platinum is a premium product, so approval is not assured for simply any aspect gig. Chances are you’ll want to supply proof of enterprise revenue or supporting particulars like a “doing enterprise as” (DBA) title, relying in your utility.
Are you able to get the cardboard twice?
In some circumstances, sure — particularly when you function a number of companies. There are stories of cardmembers being focused with gives to use for a second Amex Enterprise Platinum with one other welcome provide.
Amex understands that separate companies might require separate playing cards for accounting and expense monitoring. So when you run multiple enterprise — or work for a number of corporations —you would be prequalified for a further Enterprise Platinum.
These situations are comparatively uncommon, although. Should you do obtain one, it is a good suggestion to contact Amex immediately to verify your eligibility for the welcome provide earlier than making use of.
Name the reconsideration line
In case your utility for the Amex Enterprise Platinum is declined, do not surrender 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 together with your utility that you could handle over the telephone or by offering additional info.
Through the name, you may ask if there have been particular considerations together with your utility and provide to supply further info. Be ready to elucidate why you are within the card — past simply the welcome provide — comparable to particular options or advantages that align with your corporation wants.
You might also want to produce particulars about your corporation, together with revenue verification and enterprise handle.
Should you’re nonetheless denied, do not be discouraged. Chances are you’ll be eligible to use once more sooner or later, particularly if Amex rolls out an elevated welcome provide. Think about it a platinum lining.
Backside line
The Amex Enterprise Platinum stays one of many high small-business rewards playing cards in the marketplace — particularly with its present elevated welcome provide. Should you’re serious about making use of, take a second to learn the eligibility necessities to offer your self the perfect likelihood of approval.
Apply right here: The Enterprise Platinum Card from American Specific
For charges and costs of the Amex Enterprise Platinum, click on right here.
