Current offers worth knowing about
The Business Platinum Card has one of the biggest signup bonuses we’ve seen. Here’s everything you need to know — including how it stacks up against the personal Platinum.
The Business Platinum Card®
from American Express
Up to 300,000 Membership Rewards points as a signup bonus — the highest offer ever seen on this card. Welcome offers vary and you may not be eligible.
Membership Rewards points
After spending $20,000 in eligible purchases
within the first 3 months of card membership
Business vs Personal Platinum
💼 Business Platinum
👤 Personal Platinum
Why Business Platinum wins right now
- Nearly 2x the signup bonus vs personal card
- Same $895 annual fee — but bigger bonus offsets it
- 1.5x points on purchases over $5,000
- 35% points back on select airline flights
- No restrictions if you already hold personal Platinum
- $300 ChatGPT Business credit (new 2026 benefit)
- $600 hotel credit semi-annually via Amex Travel
- 1,550+ airport lounges worldwide
Using this link may earn Sunny bonus points at no extra cost to you.
Referral link from Sunny — Applying through this link costs you nothing extra and may earn Sunny up to 15,000 bonus Membership Rewards points per approved referral. It’s a simple way to support Naya Works while getting the same great offer.
⚠ Important: Annual fees, signup bonuses, and card benefits shown above are based on publicly available information at the time of writing and may have changed. Welcome offers vary — you may not be eligible based on your account history. Always verify current terms, conditions, and eligibility directly on the American Express website before applying. Estimated point values are approximate and based on ~2.2 cents/point — actual value depends on how you redeem. This is not financial advice. Naya Works may earn referral Membership Rewards points if you are approved via the referral link above, at no additional cost to you.
American Express
Hidden Perks Guide
Most Amex cardholders use less than a third of their benefits. Here’s everything you’re entitled to — and how to actually claim it.
Amex Platinum
The Platinum was refreshed in September 2025 with a higher annual fee but significantly more credits. Most cardholders who use all the benefits can extract well over $3,500 in annual value — but it takes planning.
Key perks & credits
$200 Airline Fee Credit
Up to $200/year in statement credits for incidental fees like checked bags and seat upgrades on one selected airline.
$600 Hotel Credit
Up to $300 semiannually (Jan–Jun and Jul–Dec) for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection via Amex Travel.
Global Lounge Access
1,550+ lounges worldwide — Centurion Lounges, 10 Delta Sky Club visits/year, Priority Pass Select, and more.
Global Entry / TSA PreCheck
Up to $120 for Global Entry every 4 years, or up to $85 for TSA PreCheck through an official enrollment provider.
$300 Equinox Credit
Up to $300/year in statement credits toward Equinox gym membership or the Equinox+ digital app (enrollment required).
$300 Digital Entertainment Credit
$25/month toward Disney+, Hulu, ESPN+, Peacock, Paramount+, YouTube Premium, YouTube TV, NYT, and WSJ.
$200 Uber Cash + $120 Uber One
$15/month in Uber Cash (+ $20 bonus in December) for rides and Eats, plus up to $120/year toward Uber One membership.
$400 Resy Credit
Up to $100/quarter in statement credits for eligible purchases at U.S. Resy-affiliated restaurants (enrollment required).
$300 lululemon Credit
Up to $75/quarter in statement credits for purchases at lululemon retail stores or lululemon.com in the U.S.
$200 Oura Ring Credit
Up to $200/year in statement credits for an Oura Ring purchase at ouraring.com (enrollment required).
$155 Walmart+ Credit
Monthly statement credit covers the $12.95/month Walmart+ membership — includes free delivery and Paramount+.
$209 CLEAR Plus Credit
Up to $209/year toward CLEAR Plus membership — skip airport security biometric lines entirely.
Analyze your Amex Platinum
Click any question below — it opens Claude with the prompt ready to go. Get a personalised answer in seconds, free.
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Disclaimer: AI responses are for informational purposes only and do not constitute financial advice. Benefits and terms may change — always verify with American Express directly.
Amex Gold
The Gold card is a sleeper hit — $250 annual fee but up to $520 in dining and Uber credits alone. If you eat at restaurants regularly, this card practically pays for itself twice over.
Key perks & credits
$120 Dining Credit
$10/month at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.
$120 Uber Cash
$10/month in Uber Cash for Uber rides or Uber Eats orders (must add Gold card to Uber account).
4x Points on Dining
4 Membership Rewards points per dollar at restaurants worldwide including takeout and delivery.
4x Points at US Supermarkets
Up to $25,000 per year in purchases, then 1x. One of the best grocery earning rates available.
$100 Hotel Collection Credit
$100 experience credit at The Hotel Collection properties when booking 2+ night stays via Amex Travel.
Purchase Protection
Items purchased with your card are covered against accidental damage or theft for 90 days.
Analyze your Amex Gold
Click any question below — it opens Claude with the prompt ready to go. Get a personalised answer in seconds, free.
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Disclaimer: AI responses are for informational purposes only and do not constitute financial advice. Benefits and terms may change — always verify with American Express directly.
Blue Cash Preferred
The unsung hero of the Amex lineup. At just $95/year, the Blue Cash Preferred offers the best cash back rate on groceries of any card on the market — 6% at US supermarkets.
Key perks & credits
6% Cash Back on Groceries
6% at US supermarkets on up to $6,000/year in purchases (then 1%). Best grocery rate on the market.
6% on Select Streaming
6% back on eligible US streaming subscriptions including Netflix, Disney+, Hulu, and more.
3% on Gas & Transit
3% cash back at US gas stations and on transit including taxis, rideshare, parking, buses, and trains.
$84 Disney Bundle Credit
$7/month statement credit when you spend $9.99+/month on the Disney Bundle (Disney+, Hulu, ESPN+).
$120 Home Chef Credit
$10/month statement credit on Home Chef meal kit deliveries — great for families.
Return Protection
If a merchant won’t take back an eligible item within 90 days, Amex may refund you up to $300/item.
Analyze your Blue Cash Preferred
Click any question below — it opens Claude with the prompt ready to go. Get a personalised answer in seconds, free.
Or type your own question:
Disclaimer: AI responses are for informational purposes only and do not constitute financial advice. Benefits and terms may change — always verify with American Express directly.