The Business Platinum Card® from American Express (Terms apply, see rates & fees) doesn’t create virtual card numbers, but the Amex Click to Pay program shields your account number in online transactions, keeping your account secure.

Rewards: Earn 5 Membership Rewards® points per dollar on flights and prepaid hotels through American Express Travel, 1.5 points per dollar on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 150,000 Membership Rewards® points after spending $20,000 in eligible purchases with the card within the first 3 months of card membership.

Annual fee: $695

Other benefits and drawbacks: The high annual fee might give you pause, but luckily the card includes several statement credit offers that add extra value to your membership. You can earn credits toward airline fees, wireless phone bills, select hardware and software purchases and more in the first year of membership.

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Last Update: June 24, 2024

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