The Enterprise Platinum Card® from American Categorical at present has a superb limited-time supply. Till June 30, 2025, you may earn a press release credit score along with numerous bonus factors.
This is the excellent news: You don’t want a particular sort of enterprise to qualify for the Amex Enterprise Platinum supply. Your enterprise doesn’t even must be registered or established. See how one can qualify for this and different enterprise bank cards as an proprietor of a startup, as a freelancer, and even somebody with a facet hustle.
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Welcome supply
Earn 150,000 Membership Rewards® Factors after spending $20,000 within the first 3 months — plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked instantly with airways or by way of American Categorical Journey® within the first 3 months
Maybe surprisingly, the eligibility standards for enterprise bank cards, together with the Amex Enterprise Platinum, are much less strict than you may think.
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Do I want a longtime or registered enterprise? No, your enterprise doesn’t must be established or registered to qualify for a enterprise bank card. You possibly can have a brand new enterprise and nonetheless qualify.
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What if I’m a freelancer or sole proprietor? Sole proprietorships are one of many eligible choices for firm buildings on most enterprise card functions. You’re sometimes labeled as a sole proprietor in the event you run a enterprise by your self, which is commonly the case as a freelancer or impartial contractor.
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What if I don’t have a authorized enterprise identify? You sometimes use your individual identify as your authorized enterprise identify in the event you’re a sole proprietor.
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What if I’m a startup and don’t have any revenue? Startups also can qualify for enterprise bank cards, so it’s not essential to have any revenue but — you may put your estimated income on the appliance.
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What if I don’t have any enterprise credit score historical past? Most new small enterprise homeowners gained’t have any enterprise credit score historical past, which is okay. Main bank card issuers usually examine your private credit score historical past whenever you apply for a enterprise bank card. This may have a small, short-term affect in your private credit score.
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What if my trade sort isn’t on the appliance? Strive to decide on the trade sort that’s closest to the kind of enterprise you do. Most enterprise card functions don’t have each enterprise sort accessible.
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What if I’m unsure of my estimated month-to-month spend? Make your finest estimated guess as to what you assume your month-to-month enterprise spending will likely be. The important thing to making use of for any monetary product is to be sincere.
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What’s my Federal Tax ID? You sometimes solely have to offer a Federal Tax ID, also called an employer identification quantity (EIN), you probably have a registered enterprise, corresponding to an organization or partnership. As a sole proprietor, you seemingly don’t want to offer greater than your Social Safety quantity (SSN).
Briefly, all sorts of enterprise homeowners could qualify for the Amex Enterprise Platinum and different enterprise bank card gives. There are different components to think about, corresponding to your private credit score rating and relevant spending necessities, however you don’t must be a big company or perhaps a registered enterprise in any respect. Freelancers and other people with facet hustles may qualify.
Associated: What is an efficient credit score rating?
The Amex Enterprise Platinum supply’s phrases and situations state you is probably not eligible for this supply in the event you:
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Have had this card or earlier variations of this card
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Have a sure historical past with bank card steadiness transfers
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Have a sure historical past as an American Categorical cardmember
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Have opened or closed a sure variety of bank cards
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Are unable to satisfy the situations pertaining to different components
One space of concern for potential cardholders is whether or not they qualify for a enterprise bank card in any respect due to the kind of enterprise they run. The excellent news is American Categorical will let you understand in the event you qualify for one in all its bank card welcome gives earlier than you really apply (and doubtlessly affect your credit score rating).
Associated: Prequalified vs. preapproved bank card gives: What’s the distinction?
The Amex Enterprise Platinum journey rewards card has a publicly accessible supply the place you may earn 150,000 Membership Rewards factors after spending $20,000 on eligible purchases within the first three months. You too can earn a $500 assertion credit score after spending $2,500 on eligible flights booked by way of American Categorical Journey (AmexTravel.com) or instantly with airways inside the first three months. The supply ends on June 30, 2025.
It is dependent upon the way you redeem the factors, however they’re price at the least $1,500 towards airfare and equally towards present playing cards (relying on the present card). They may very well be price extra in the event you redeem them towards particular flights after transfers to associate airways. For instance, you may recover from $2,000 or $3,000 in worth in the event you switch your factors to Singapore Airways Krisflyer, Air France-KLM Flying Blue, or one other associate and guide a global flight in enterprise class.
Associated: See what you are able to do with 150,000 Membership Rewards factors
The Amex Enterprise Platinum Card could also be price it in the event you can make the most of sufficient of its perks and advantages to offset its hefty $695 annual price. This might embrace touring sufficient to make use of its complimentary entry to airport lounges and its many annual credit, corresponding to as much as a $200 airline price credit score and as much as a $199 CLEAR Plus credit score.
Associated: Learn our full Amex Enterprise Platinum evaluation
It’s doable to have a couple of Amex Enterprise Platinum Card and obtain the welcome bonus greater than as soon as you probably have a number of companies or obtain focused card gives with phrases and situations that allow you to earn a number of gives.
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