Get Approved Fast for the Amex Business Platinum Card Today

At TheMilesAcademy, we’ve worked with plenty of business credit cards, but the Amex Business Platinum Card stands out in a big way. The $695 annual fee might raise eyebrows, but once you start using the credits and take advantage of the airport lounge access, it starts proving its value quickly.

What really draws attention is the welcome offer. It’s consistently generous, not just a one-time thing. That alone makes the first year with the Amex Business Platinum Card a smart move for many.

We want to break down why this might actually be one of the easiest premium cards to get approved for. A lot of myths float around about how hard it is to qualify. We had our doubts too—then we applied ourselves and got approved right on the spot.

Amex Business Platinum Card: What to Know Before You Apply

Let’s walk through what you need to know before applying for the Amex Business Platinum Card, since confusion is common.

First, the welcome offer is labeled as a one-time opportunity. If you’ve got the card right now or had it in the past, that bonus probably won’t be available to you again. Still, there are some exceptions to that rule, which we’ll cover later.

If you’ve had other Amex cards—like the personal Platinum or the Business Gold—you’re still good to go. Those won’t block your shot at the Amex Business Platinum Card.

Now, about the five-card limit from Amex: it usually applies to traditional credit cards, but this one doesn’t count toward that cap. So even if you’re already holding five other cards, that won’t necessarily stop you here.

There’s one more thing. Sometimes Amex will just decide you’re not eligible for a welcome bonus, even if you’ve followed all the guidelines. If that happens, you’ll see a pop-up during the application letting you know ahead of time.

Worried about Chase’s 5/24 rule? You can relax. Getting the Amex Business Platinum Card won’t increase your count there.

Why the Amex Business Platinum Card Tends to Be an Easy Approval

We’re not working with official rules here, but based on what we’ve gathered, Amex business cards seem to be some of the most accessible out there. As long as your credit and income look solid, many applicants walk away with instant approvals.

You don’t need a huge company or formal corporation to qualify. If you’re a sole proprietor, you’re good. You can apply using your own name as your business name and your Social Security number instead of a separate tax ID.

The reason behind the easier approvals comes down to strategy. Business cards earn higher transaction fees for issuers, so there’s strong incentive to get them into more hands. And since the Amex Business Platinum Card works as a hybrid card—not a traditional revolving credit card—the balance is expected to be paid in full every month. That setup reduces risk for Amex, which helps more people get approved.

Why Applying for the Amex Business Platinum Card Feels Low-Risk

We get it—no one likes the idea of being turned down for a card. But when it comes to the Amex Business Platinum Card, the process is way more forgiving than you might expect.

Here’s the key detail: when you hit that application page, you’ll see a message saying you can find out if you’re approved without touching your personal credit score. That means you get your answer upfront, and if it’s a no, it won’t leave a mark on your credit report.

This takes a lot of the pressure out of the process. You can go in knowing that if things don’t pan out, your credit stays untouched. It’s about as low-risk as card applications get.

One more thing to keep in mind—if you’re unsure whether you qualify for the welcome offer, Amex flags that for you before you submit. If you don’t see any notice like that during your application, you can expect to receive the offer once you’re approved.

Can You Earn the Amex Business Platinum Card Welcome Offer More Than Once?

One of the most common questions we hear is whether it’s possible to earn the Amex Business Platinum Card welcome bonus more than once. When you head to the standard application page, there’s a line that usually shows up saying you may not qualify for the bonus if you currently have—or previously had—the card.

That’s typical for American Express. They call it the “once in a lifetime” policy. But here’s where things get interesting: Amex frequently sends out targeted offers that don’t include that restriction. These are known as “no lifetime language” offers, and they’re exactly what they sound like—you can get the bonus again, even if you’ve had the card before.

These offers show up in different ways. You might spot one when you log into your Amex account. Sometimes it’s a pop-up. Sometimes it hits your inbox or your actual mailbox. The trick is to check the fine print. Click into “Offer & Benefit Terms” before applying. If that line about not being eligible isn’t there, you’ve likely got one of those targeted windows open.

We’ve experienced this firsthand. Years ago, we had the Amex Business Platinum Card, canceled it, and moved on. Then out of nowhere, a pop-up appeared in our account inviting us to apply again—no lifetime rule attached. We accepted, and approval came instantly.

What’s wild is the pop-up kept showing up, even after we already had the card again. Every time we logged in, Amex was practically pushing us to apply. So we ran with it and were approved again, even though the same card was already sitting in our wallet.

Final Thoughts on the Amex Business Platinum Card

What makes it even better is how often people get approved without much friction—as long as your credit and income are solid, your chances look good.

Now, while the official rule says the bonus is a one-time deal, we’ve seen multiple cases where targeted offers skip that restriction. Keep your eyes open for those. We’ve been hit with them more than once, and each time, it paid off.