Triple Dip! Best Time to Apply for the Amex Business Platinum Card

Now It’s the Best Time to Apply for the Amex Business Platinum Card

The Business Platinum Card from American Express is a product that comes with a big annual fee of $695. It also gives cardmembers lots of perks and benefits. Maximizing annual credits is one of the ways to make this card more affordable, and that’s exactly why this is the best time apply for the Amex Business Platinum card. Applying in December (or even mid-late November) lets you triple-dip the airline fee credit and Dell credit.

When you apply for this card, you can get the card number instantly upon approval. That means that you can start spending right away. 

Check out some of the best current offers for this card, and ideas on how to maximize your credits.

The Best Current Offer

• Earn 250,000 Membership Rewards® points after you spend $20,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the approval date.
• Read more here.

Card Details

• Earn:
  • 5X Membership Rewards points for each dollar of eligible purchases made when you book on the American Express Travel website
  • 2X Points per dollar on
    • eligible purchases of $5,000 of more
    • U.S. Electronics goods, retailers, software, and cloud service providers
    • U.S. Construction materials and hardware supplies
    • U.S. Shipping providers
  • 1X on all other eligible purchases
• Use Membership Rewards Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 1,000,000 bonus points per calendar year. This benefit is changing on Sep. 18, 2025.
• Redeem points for 1 cent each if you also have an Amex Business Checking account.
• $600 Hotel Credit ($300 semi-annually) for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection ( two-night minimum) through American Express Travel.
• Dell: Up to $150 in statement credits on U.S. purchases directly with Dell and an additional $1,000 statement credit after you spend $5,000 or more on that same card per calendar year.
• Up to $120 annual statement credits for purchases made directly from any US wireless telephone provider, up to $10 per month. Enrollment required.
• Indeed – Get up to $360 credit ($90 per quarter). Enrollment required.
• Adobe: $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year. Enrollment required.
• Access to more than 1,400 airport lounges across 140 countries
• $200 in statement credits per calendar year for airline incidental fees. Enrollment required.
• $200 in Hilton statement credits per calendar year (up to $50 per quarter) when you enroll and make purchases directly with a property in the Hilton portfolio (see what works).
• Spend $250,000 on eligible purchases in a calendar year and receive:
  • $1,200 Amex Travel Online Flight Credit: Unlock up to $1,200 in statement credits for use in the next calendar year on flights booked on AmexTravel.com.
  • $2,400 One AP® Statement Credit: Unlock up to $2,400 in statement credits for use in the next calendar year on monthly fees for American Express One AP®, American Express’ digital accounts
• 35% Airline Bonus for a First or Business class flight on selected qualifying airline when using Membership Rewards Pay with Points through American Express Travel.
• Receive a statement credit every 4 years for Global Entry ($120) or every 4.5 years for TSA PreCheck (up to $85).
• Cover the cost of a CLEAR Plus membership with up to $209 in statement credits per year after you pay with your Business Platinum Card. Enrollment required.
• Leaders Club Sterling Status (The Leading Hotels of the World)
• Marriott Bonvoy Gold Elite status
• Hilton Honors Gold status
• Platinum Card Concierge available 24/7 to help with anything from special dinner reservations to finding the perfect gift. 
• Resy Dining Benefit
• No Foreign Transaction Fees
• Annual Fee:
  • Primary Cardholder Annual Fee: $895 (Rates & Fees)
  • Additional Employee Cards Fees:
    • $400 annual fee for each Employee Business Platinum Card
    • No Annual Fee for Employee Business Expense Card

Best Time to Apply

The reason this is the best time to apply, is because you can take advantage of multiple annual credits listed above, while paying the annual fee only once. This is mainly about the airline and Dell credit which will get you an extra $400 in value if you apply now.

You can get a full refund if you cancel your Amex card within 30 days of being charged the annual fee. You will be charged the first annual fee normally around 20+ days after opening the card, which should be in late December of early January. This means that you’ll have your card open at least through January 2026. That gives you time to take advantage of the annual credits for that year as well.

• Airline Credit

  • You get $200 every calendar year. So you can use this credit once in December 2024, then again in 2025, and once more in January 2026 before closing your card. That’s $600 in credits.
  • Make sure you select your airline before making a purchase.
  • I used these credits for Southwest purchases since flight credits no longer expire

• Dell Credit

  • You get up to $200 in statement credits between January and June, and up to $200 in statement credits between July and December. This means that you can get $200 in 2024, $400 in 2025, and another $200 in 2026. That’s $800 in credits.
  • Make sure you enroll for this benefit before making a purchase.
  • These purchases earn 1.5X Membership Rewards points.
  • You can use this credit for any purchase at Dell. It works even better if you can stack multiple Dell credits, and other offers.

• Wireless Credit

  • You get $10 every month. So by applying now you can use this credit for 14 months. That includes all of 2025, plus December 2023 and January 2026. That’s $140 in credits.
  • Make sure you enroll for this benefit before making a purchase.
• Amex Offers
  • There are many Amex Offer that expire at the end of the year. So if you apply now you should be able to use them.

Guru’s Wrap-up

As you can see, this is the best time to apply for the Amex Business Platinum card. You can easily get about $410 in extra credits: $200 for airline fees, $200 at Dell and $10 for wireless purchases. So in total you get $1,540 just from those three credits, while paying only one annual fee.

This card also gets you a bonus of 250,000 Membership Rewards points currently, which are worth at least about $3,000. And, by having this card, you can cash out points at a value of 1 cent each through the American Express Business Checking account.

For similar reasons, this is also the best time to apply for The Platinum Card® from American Express. You can again triple dip the airline credit and $50 Saks credit.