Is the American Express Business Platinum Card worth it in 2026?
£650/year
The American Express Business Platinum Card earns 1 Membership Rewards point per £1. Whether it's worth the fee comes down to one question: do the perks and points you'll actually use add up to more than £650 a year? Here's what's on the table — and a free tool to work out your number.
£200 annual Amex Travel credit. A £200 statement credit against prepaid bookings made through American Express Travel Online each card year. A further credit of up to £400 unlocks at £120,000 annual spend. Counted only if you book at least £200 of travel through Amex Travel.
Global Lounge Collection — 1,550+ lounges. Complimentary access to 1,550+ airport lounges worldwide (Priority Pass, Centurion and more) for the Cardmember. Each visit counted at £24, the price of a paid pass.
Fine Hotels + Resorts $100 credit. Fine Hotels + Resorts bookings via Amex Travel get a US$100 property credit and late checkout; The Hotel Collection adds upgrades and credits at 1,000+ more properties. Counted at £75 per stay you log ($100 at $1 = £0.75).
£300/yr Indeed hiring credit. Up to £300 a year in statement credits when you pay for Sponsored Jobs on Indeed, once enrolled. Counted at £0 by default — only if you advertise roles.
£150/yr Dell Technologies credit. Up to £150 a year in statement credits on UK purchases made directly with Dell Technologies, once enrolled. Counted at £0 by default — only if your business buys from Dell.
£240/yr Alamo & Enterprise credit. £20 back once a month when you spend £60+ in a single eligible transaction at Alamo or Enterprise (up to £240 a year), once enrolled. Counted at £0 by default — only if you rent regularly.
The Times digital subscription. Complimentary digital subscription to The Times/Sunday Times. Suggested value £26/yr; counted only if you say you'd pay for it.
Worldwide travel insurance. Worldwide travel insurance for the Cardmember. Counted at £150 — the cost of a comparable annual multi-trip policy — but only if you'd buy one anyway.
Does it pay for itself?
You need more than £650 of value a year to come out ahead. Unused perks are worth £0, so the honest answer depends on how you'd really use it: lounges you'd actually visit, credits you'd actually spend, insurance you'd otherwise buy, and vouchers you'd actually redeem. The free CCWorth adds it all up from your own answers and shows your real position — plus exactly what it'd take to break even.