The Business Platinum Card® from American Express provides constant tourists numerous means to include aspects of high-end to their itinerary. From trip price cuts to resort elite standing and a thorough flight terminal lounge accessibility advantage, the Amex Business Platinum Card supplies exceptional traveling benefits that you can just locate with a costs traveling benefits card.

The card does feature a $695 yearly cost (see prices and charges). However, the myriad of traveling benefits and a charitable welcome perk for brand-new candidates can counter this cost.

Let’s explore among my preferred advantages of the card — the Pay with Points perk — which provides me a discount rate on business- and excellent trips.

Related: Is the Amex Business Platinum worth the yearly cost?

An introduction of the card

Here are simply a few of the useful functions that go along with the Amex Business Platinum: as much as $400 in declaration debts each fiscal year for U.S. Dell modern technology acquisitions (ends Dec. 31), as much as $189 declaration debt for Clear Plus yearly subscription cost and as much as $200 in yearly airline company cost declaration debts on one picked airline company.

Combined, these 3 advantages alone can greater than balanced out the card’s yearly cost. Enrollment is called for ahead of time for pick advantages. But the benefits do not quit there.

In total amount, the Business Platinum has more than $1,500 in offered declaration debts annually, which greatly exceed the yearly cost if made best use of. There are extra traveling advantages such as accessibility to Amex Centurion Lounges and Delta Sky Clubs (when flying on same-day Delta trips)*, resort elite standing with Hilton Honors and Marriott Bonvoy and cellular phone defense**. Enrollment is needed for pick advantages.

Right currently, the card is supplying 150,000 perk points after investing $20,000 on qualified acquisitions with the card within the initially 3 months of card subscription.

But the one Amex Business Platinum perk I hold close to and dear to my heart is the Pay with Points discount. Let’s take a closer check out my preferred advantage to see why it’s so unbelievably useful to cardmembers.

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*Effective February 1, 2025: Eligible Platinum Card Members will certainly obtain 10 Visits per Eligible Platinum Card annually to the Delta Sky Club or to Grab and Go when taking a trip on a same-day Delta-run trip.

**Eligibility and advantage degrees differ by card. Terms, problems and constraints use. Visit americanexpress.com/benefitsguide for information. Policies are financed by New Hampshire Insurance Company, an AIG Company.

Related: Everything you require to learn about Amex Pay with Points

What is the Amex Pay with Points discount?

Most travel-focused costs cards use flight-related advantages or debts, such as compensating you for charges sustained when taking a trip throughout the year. But the Amex Business Platinum has a unique airline tickets discount for any person that retrieves their Membership Rewards indicate spend for certifying trips via Amex Travel.

By using the Pay with Points feature to spend for airline tickets via Amex Travel, Membership Rewards points deserve 1 cent each. On the face of it, that isn’t also amazing; TPG worths Membership Rewards points at 2 cents each.

However, the Amex Business Platinum card provides a unique perk: you can obtain 35% of your points back on very first- or business-class tickets on any type of airline company or an economic situation ticket on one airline company of your option.

When utilizing this advantage, you can rise to 1 million points back each fiscal year, implying you would certainly require to utilize 2,857,143 indicate spend for trips with Amex Travel prior to tiring this advantage in a year. With points worth 1 cent each on these redemptions, you would certainly require to purchase $2.8 million in plane tickets throughout a year to reach this cap, which indicates lots of people will not require to stress over the yearly restriction on this advantage.

You can likewise utilize the Pay with Points function towards acquisitions on your card, present card acquisitions and cars and truck leasing and resort reservations via Amex Travel, yet you will certainly be compensatory points at much less than 1 cent each, well listed below the 2 cents each that TPG worths Membership Rewards points, so utilizing it towards airline tickets is a much better recommendation.

These Amex cards for small companies that use a Pay with Points discount, supplying from 35% to 50% of your Membership Rewards points when you pay with points (terms use):

The info for the Centurion Business card has actually been accumulated separately by The Points Guy. The card information on this web page have actually not been evaluated or offered by the card provider.

Related: Points of View: Can I squander my points, and is it worth it?

How does the Pay with Points discount job?

For the Pay with Points discount, cardmembers will certainly obtain a 35% discount of the complete points made use of when spending for any type of trip on that particular picked provider, or any type of business- or excellent trips reserved via the Amex Travel website — despite airline company — as much as 1 million points back per fiscal year.

Factoring because 35% discount indicates you can utilize your Amex Membership Rewards points at a worth of 1.54 cents each, instead of the normal 1 cent each when retrieving via Pay with Points for trips utilizing various other Amex cards that do not use a discount. That’s a 54% perk.

Assuming you have the Amex Business Platinum and retrieve your points for qualified trips, you need to obtain the points discount immediately. However, it can use up to a month.

As you can see from my screenshots, it took around a month to obtain my 35% points discount from a business-class trip I reserved with Delta Air Lines utilizing the Pay with Points alternative, flying from New York’s John F. Kennedy International Airport (JFK) to McCarran International Airport (LAS) in Las Vegas.

With my initial redemption, I invested 59,391 points for a $594 airline tickets, yet that obtained lowered to 38,604 points many thanks to the 35% Pay with Points discount on my Business Platinum Card.

Related: 9 points to do when you obtain the Amex Business Platinum Card

How to take full advantage of the Pay with Points discount

Amex Travel provides numerous means to reduce reservations, consisting of “Insider Fares” and marked down “Recommended Fares.” For global traveling on specific airline companies, you might have the ability to knock the rate down much more when reserving via the American Express International Airline Program (IAP).

When contrasting your choices for reserving straight with the airline company or reserving via Amex Travel, you’ll observe prices are occasionally equivalent. However, many thanks to American Express Insider Fares and the International Airline Program, tourists can get back at higher price cuts when reserving their trips with Membership Rewards points.

Here’s exactly how to pile those price cuts together with the Pay with Points discount to get back at extra worth from lugging the Amex Business Platinum.

Related: How to take full advantage of the Amex Business Platinum’s 35% Pay With Points discount on trips and when you may wish to do so

Stacking price cuts and refunds

This round-trip Iberia trip in business course sets you back $3,791 by means of Google Flights, which is the rate you would certainly pay if you reserved straight with Iberia.

The International Airline Program via Amex Travel programs the very same base price, yet it’s marked down by $200. And rather than 379,068 Membership Rewards points, you would certainly require 359,068 at the common 1-cent-per-point price when making your repayment.

However, when you pile the Amex Business Platinum’s 35% points discount in addition to that, you’ll obtain 125,674 points back. Your out-of-pocket expense is 233,395 points, which you retrieved at a worth of 1.54 cents per factor.

Earning miles and elite standing

Aside from the incredible points cost savings that are feasible by piling the advantages pointed out over, the various other substantial advantage to reserving trips in this manner is that airline companies deal with these tickets like money reservations. Instead of requiring to look for honor accessibility and stay clear of power outage or top days, you can just schedule any type of offered ticket.

Moreover, considering that the trips are thought about paid tickets, you need to make honor miles and elite-qualifying metrics much like you would certainly if you would certainly paid money straight to the airline company.

Related: Why the Amex International Airline Program discount rate deserves it

Bottom line

The Business Platinum Card® from American Express provides numerous excellent advantages, yet the Pay with Points 35% discount can be among the most substantial if you regularly fly in costs cabins. Not just can it conserve you numerous hundreds of points annually, relying on exactly how you publication, yet you can pile it with various other price cuts used via Amex Travel.

This is a win-win in my publication. It’s my preferred card perk and is among the numerous factors I maintain my Business Platinum Card every year.

Apply below: The Business Platinum Card

For prices and charges of the Amex Business Platinum card, visit this site.