The Best American Express Credit Card in 2026: American Express Business Platinum
By USA Card Comparer editorial team ?� Last reviewed
American Express Business Platinum is our pick for the best American Express credit card in 2026. Best for high-revenue businesses It carries $695 annual fee, a rewards rate of 5x points on flights, 5x on prepaid hotels, and a signup bonus of 100,000 points ($1,000 value) after $15000 in 3 months. We reviewed all 10 American Express cards in our catalog ?�� this one offers the strongest overall value for most applicants.
At a glance
| Annual fee | $695 annual fee |
| Rewards | 5x points on flights, 5x on prepaid hotels |
| Signup bonus | 100,000 points ($1,000 value) |
| Minimum spend for bonus | $15000 in 3 months |
| Regular APR | 21.99% - 28.99% Variable |
| Intro APR | N/A |
| Foreign transaction fee | 3% of spend |
| Recommended credit score | Excellent |
| Approval odds (editorial estimate) | 58% |
Why it is our top American Express pick
- 100,000 points ($1,000 value)
- Approval odds 58%
- Best for high-revenue businesses
The signup bonus is where this card separates itself: 100,000 points ($1,000 value) for $15000 in 3 months ?�� one of the strongest welcome offers in the American Express lineup. Approval odds for applicants with excellent credit are an editorial estimate of 58%. An intro APR of N/A gives new purchases breathing room. The 3% foreign transaction fee is worth remembering if you spend abroad often.
Who this card is best for
Best for high-revenue businesses
Other American Express cards worth comparing
- American Express Gold ?�� $250 annual fee ?� 4x points at restaurants, 4x points at US supermarkets
- American Express Platinum ?�� $695 annual fee ?� 5x points on flights, 5x on prepaid hotels
- American Express Green ?�� $150 annual fee ?� 3x points on travel, 3x on dining
- American Express Blue Cash ?�� No annual fee ?� 3% cash back at US supermarkets
- American Express Blue Cash Preferred ?�� $95 annual fee ?� 6% cash back at US supermarkets
- American Express Business Gold ?�� $295 annual fee ?� 4x points on two categories of choice
The bottom line
If you want one American Express card, American Express Business Platinum is the one we would apply for first: $695 annual fee, 5x points on flights, 5x on prepaid hotels, and 100,000 points ($1,000 value). Check the full breakdown, then compare it side by side with the rest of the market before you commit.