OFFER EXPIRED! Up to 100,000 Point Amex Sign-Up Bonus HAS EXPIRED

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Last fall I think lots of us were lulled into almost believing that 100,000 point sign-up bonuses were “the new black” since both the Chase Sapphire Reserve and The Business Platinum® Card from American Express OPEN sign-up bonuses were both temporarily at the 100,000 point level after meeting the spending requirements.

Of course we really know that 100,000 point bonuses are too good to last forever, and the online Chase Sapphire Reserve bonus has already dropped to half that level, and on JAN 25, 2017,  the Amex Business Platinum bonus is slated to drop back down. Before the up to 100,000 point bonus ends for the Amex Business Platinum, I want to circle back to that offer and highlight why it is worth considering even though the spending requirement is pretty substantial.


The  Business Platinum® Card from American Express OPEN: Limited time offer of up to 100,000 Membership Rewards® points, $450 annual fee

The bonus is broken up into two parts – you get 50,000 bonus transferable Amex Membership Reward points after spending $5,000 on the card in the first 3 months, and then an additional 50,000 bonus Membership Reward points are awarded after you spend an additional $10,000 on the card in the first 3 months. That is a total of 100,000 potential bonus Membership Reward points for a total of $15,000 in spending on the card in the first 3 months. Yes, that is a lot of spending to trigger the full bonus, but timed with some large expenses like tax payments, it may be worth it.


In addition to the sign-up bonus, that I will circle back to in a minute, the  Business Platinum Amex also comes with an annual $200 airline fee credit (that is as good as cash to me), Amex Centurion Lounge access (as shown below), access to Delta SkyClubs with same-day Delta ticket, a Priority Pass Select membership, SPG Gold status, access to the Fine Hotels and Resort Collection, and more.

Additionally, in 2016 some other new really solid perks were added to the redemption side of things that make the sign-up bonus points worth $2,000 in my view.


With the Amex Business Platinum Card you get:

  • 50% points back when using Membership Rewards Pay with Points through American Express Travel to book a flight with selected airline for the year (same as the one you select for the $200 airline fee credit).
  • 50% points back when using Membership Rewards Pay with Points through American Express Travel when booking a first or business class ticket with any airline.
  • Earn 1.5X Membership Rewards points per dollar spent on any purchase of $5,000 or more.

Though the business version of the Platinum card did not get the 5x points on airfare perk that the personal version did, I have seen some reports of targeted limited time offers for that 5x bonus. Even without that, the new perk of getting 50% of your points back when using Membership Rewards Pay with Points for your selected airline is pretty darn solid. When you use your points at a fixed value of 2 cents each via this method to purchase your flights you don’t have to deal with award availability or blackout dates, and you earn frequent flyer miles and progress towards elite status with your flights.

As an example of how this 50% points return works in practice, here is a round trip flight from Houston – Cancun on United Airlines. Assuming United was your selected airline, you would get 11,465 of the 22,933 Membership Rewards points spent on the flight returned. Getting a mileage earning round trip non-stop flight from Houston – Cancun for just 11,466 total Membership Reward points is outstanding and represents a 2 cent return per point on the $230 ticket without having to be an airline award chart master.


If you use your points in this manner, then the 100,000 sign-up bonus points can be worth $2,000 in mileage earning airfare!

Things to Note Before Applying for the Amex Platinum Business Card:


Note that this is a charge card not a credit card so it should not count against the total number of Amex credit cards you can hold. Since it is an Amex small business card, it also should not report on your credit report in a way that would impact the Chase 5/24 tracking.

The limited-time offer for The  Business Platinum® Card from American Express OPEN is said to run through January 25th. I’ve never seen a public non-targeted bonus this high for this card.

That said, Spending a total of $15,000 dollars on one card within 3 months to trigger the full 100,000 bonus points is no small amount. I do not recommend any sort of “non traditional” use of the card to hit that spending threshold based on reports of Amex becoming increasingly sensitive to that sort of thing. However, if you naturally spend $5,000+ on cards each month, or if you have some big purchases coming up, this could be within range.

We have a couple of relatively major home repair jobs in the works that would (sadly) bring that $15,000 target to within reach. Alternatively, we could pay ahead on things like preschool tuition, pay our taxes (for a fee) with the card, or similar. While I don’t normally recommend paying things like taxes with rewards credit cards since that incurs a fee, it can be worth it to trigger a big spending bonus. If you had to pay the full $15,000 on your Amex Business Platinum in taxes in April with a 1.87% fee it would cost you about $280 in fees to make the payment. However, that $15,000 charge should trigger your 100,000 point sign-up bonus, making it potentially worth it.


Of course only you can decide what is worth it to you, but but the up to 100,000 sign-up bonus points + the ability to get 50% of your redeemed points back via “Pay With Points” makes this card very, very interesting to me and there is just about a week left to make a decision before the January 25, 2017 deadline!

Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. I think I recently saw a targeted 2x points on purchases over $5000. Even without that, if you make a 15k tax payment, you’d get 22.5k points in exchange for that $280 fee, which seems like a good way to go to me. I may get one, make 5,000 of normal spending plus a 10k tax payment.

    • Different cards so shouldn’t matter from that standpoint. If you cancel be sure to do something with your points – may want to get plat first and transfer points to that account.

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