By Austin Christensen · Last updated: October 18, 2026

Business Platinum for Sole Props

The public offer is Up to 300,000 points after $20,000 spend in 3 months; exact offer may be lower. Business Platinum has an $895 annual fee.

American Express · Amex Membership Rewards

Up to 300,000 points after $20,000 spend in 3 months; exact offer may be lower · Annual fee $895

Earn rates

  • 5x flights and prepaid hotels on AmexTravel.com
  • 2x U.S. construction material and hardware suppliers, U.S. electronics retailers and software and cloud providers, U.S. shipping, and any eligible purchase of $5,000 or more, up to $2,000,000 a calendar year
  • 1x everything else

Credits

  • $300 Jan–Jun and $300 Jul–Dec on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel. Hotel Collection requires 2 or more nights.
  • $150, plus another $1,000 after $5,000 in Dell purchases. Enrollment required. The $1,000 part only applies in a year you spend $5,000 or more directly with Dell.
  • Up to $300. Enrollment required. ChatGPT Business requires at least 2 seats.
  • Up to $250 after you spend $600 or more directly with Adobe in the calendar year. Enrollment required.
  • $90 a quarter. Enrollment required.
  • $10 a month. Directly with a U.S. carrier. Enrollment required.
  • $50 a quarter. Enrollment sets up Hilton for Business.
  • Up to $200 in incidental fees on one selected airline. Not tickets.
  • Up to $209 per calendar year for an auto-renewing CLEAR Plus membership, excluding taxes and fees.
  • $120 Global Entry or up to $85 TSA PreCheck, every 4 years.

Also on the card

  • Employee Platinum cards are $400 each
  • 35% of points back when you use Pay with Points for a flight on your selected airline through Amex Travel, up to 1,000,000 points back a year
  • 10 Delta Sky Club visits a year when flying Delta, unlimited after $75,000 in a calendar year
  • No foreign transaction fee
  • No published end date on the Oct. 17, 2026 offer
Apply for Amex Business Platinum

Issuer source unavailable · Checked 2026-10-18. Public issuer terms. Referral offers may differ; confirm your offer at the application destination.

Can a sole prop get this card?

The site's business-card guidance is that a sole prop can apply with a legal name and a Social Security number. You do not need an LLC for that path. Employee Platinum cards are $400 each A business with no employees is not paying that line.

Read every credit before you treat the fee as covered. Hotel: $300 Jan–Jun and $300 Jul–Dec on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel. Hotel Collection requires 2 or more nights. Airline: Up to $200 in incidental fees on one selected airline. Not tickets. Wireless: $10 a month. Directly with a U.S. carrier. Enrollment required. Indeed: $90 a quarter. Enrollment required. Adobe: Up to $250 after you spend $600 or more directly with Adobe in the calendar year. Enrollment required.

What works

  • A very large Membership Rewards offer if you can spend $20,000 in 3 months
  • 5x on flights and prepaid hotels booked at AmexTravel.com
  • A one-person business does not pay the employee-card fee: Employee Platinum cards are $400 each

What doesn't

  • Most credits need enrollment, and several need a specific merchant
  • ChatGPT Business requires at least two seats
  • The extra Dell credit only applies in a year you spend $5,000 or more at Dell

Key takeaways

  • The offer in the card data is Up to 300,000 points after $20,000 spend in 3 months; exact offer may be lower. Confirm the number you are shown before you accept the card.
  • Employee Platinum cards are $400 each A sole prop with no employees skips that charge.
  • Credits are real only if you would have spent the money anyway.

Card figures come from the card data, checked 2026-10-18. Read the issuer terms in the source line above before you apply.