Personal Finance

How to Get up to $400 Per Year

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The Business Platinum Card® from American Express comes with a long list of premium benefits, making it one of the best rewards cards to open if you’re a small-business owner.

It’s currently offering a hefty welcome bonus of 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership. Insider estimates Amex points value to be 1.8 cents each — making this bonus worth $2,160 in travel, on average.

Read more: Amex Business Platinum card review

While the Amex Business Platinum Card has some of the same benefits as The Platinum Card® from American Express
— such as up to $200 per year in airline incidental fee credits**, airport lounge access, and a statement credit for the Global Entry or TSA PreCheck application fee — one benefit that’s unique to the business version is up to $400 annually toward US purchases with Dell.

Here’s everything you need to know to make the most of the Amex Business Platinum Card Dell credits.

How the Amex Business Platinum Dell credits work

Regular APR

14.24% – 22.24% Variable

Credit Score

Good to Excellent

Featured Reward

120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership

Intro APR

0% Intro APR for 12 months on purchases eligible for Pay Over Time

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  • Pros & Cons
  • Details

  • Pros
    • More travel benefits than you’ll find on any other business credit card
    • Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
    • Complimentary hotel elite status (enrollment required)
    • Access to Amex concierge services
    Cons
    • Very high annual fee
    • Limited opportunities to earn bonus points
    • Annual statement credits won’t be useful for everyone
    • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
    • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
    • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
    • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
    • Terms Apply.


    Read Our Review
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    You’ll first need to enroll your Business Platinum Card to be eligible for up to $200 in statement credits when you shop at Dell from January through June, and another $200 from July through December.

    Purchases made by the enrolled basic cardmember and any employee cardmembers on the account will trigger the $200 biannual credit. However, the benefit is limited to one per card account, so you won’t get $400 in annual statement credits for every separate employee card.

    Read more: The Amex Business Platinum card just got a makeover with a whopper 120,000-point bonus and new benefits — but the annual fee is increasing, too

    To earn the credit, you don’t have to make a single purchase totaling $200 or more — you can make multiple US Dell purchases and receive credits totaling up to $200 each benefit period. Your statement credits will post automatically once you’ve activated the benefit, and you only need to enroll once.

    Don’t wait until the last minute to utilize this benefit, as sometimes the purchase date is not the same as the transaction date — and purchases may not post to your account until they’re shipped.

    How to maximize the Amex Business Platinum Dell credit

    The Amex Business Platinum Card earns:

    • 5 points per dollar on flights and prepaid hotels booked through Amex Travel
    • 1.5 points per dollar on each eligible purchase of $5,000 or more, and on eligible purchases in the US at electronics goods retailers, software, and cloud service providers, shipping providers, and on construction materials and hardware supplies (on up to $2 million in combined purchases per year, then 1 point per dollar)
    • 1 point per dollar on all other eligible purchases

    You will earn points for your purchase — Amex will simply refund your purchase, up to $200, after the transaction posts.

    Dell is one of the merchants frequently included among Amex Offers**, providing you with a chance to either earn bonus points or money back on eligible purchases. Before you make your purchases from Dell, be sure to check your Amex Offers and add any offers to your account before you shop.

    In addition, many online shopping portals offer bonus points, miles, or cash back when you shop with Dell, so you’ll want to browse the portals for the best offer, then click through to Dell’s website using that portal. For example, Rakuten gives you the opportunity to earn either cash back or Amex points. That means you could foreseeably:

    • Earn points for using your Business Platinum
    • Earn bonus points or cash back with an Amex Offer
    • Earn bonus points for shopping through Rakuten
    • Receive a $200 rebate for your purchase

    That’s quite a string of savings!

    Which Dell purchases will (and will not) trigger the credit?

    You may hear “Dell” and think of computers, but they sell a lot more than that. There are no specific restrictions as to what you can purchase from Dell to receive a statement credit. Just because you don’t need a new computer at the moment doesn’t mean you’ll have to let the credit go unused. 

    While you can certainly use your credit toward the purchase of a laptop, you may want to browse some of their other products for some purchases right around $200, such as monitors, headphones, cameras, speakers, printers, or accessories.

    If you’re thinking of buying a $200 gift card in the first part of the year in order to utilize your statement credit to save up for a larger purchase later, that won’t work. Dell does not currently sell its own gift cards online.

    Maximize the Dell credit to offset the annual fee cost

    With its $595* annual fee (See Rates), the Amex Business Platinum Card certainly ranks among the highest-fee premium rewards cards (and its fee will increase to $695 if your application is received on or after January 13, 2022).

    Read more: The Amex Business Platinum card’s annual fee is about to jump — here’s why you should apply before the end of the year

    But the annual statement credits, including up to $200 in airline incidental fee credits and up to $400 in Dell credits, go a long way in helping you offset that hefty fee.

    Don’t have a small business? Consider the personal Amex Platinum instead

    Regular APR

    See Pay Over Time APR

    Featured Reward

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
    • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
    • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 annual fee.
    • Terms Apply.


    Read Our Review
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    While the Dell credits can be extremely useful, they’re limited to the business version of the card. If you’re not a small-business owner, but you like some of the overlapping benefits with the personal version, The Platinum Card® from American Express, consider opening that card instead. 

    Read more: Amex Platinum card review

    The personal Amex Platinum is currently offering a bonus of 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership.

    With a $695 annual fee (See Rates), it’s got many similarities to the business version. Instead of up to $400 in annual Dell credits, you receive credits such as:

    Read more: Amex Platinum vs Amex Business Platinum: Both offer excellent welcome bonuses and perks — here’s how to decide which card is best for you

    Bottom line

    The $400 in annual Dell credits that come with the Amex Business platinum are easy to use — and they’re valid for anything you can find on Dell’s US website. Just be sure to enroll your card before you spend.

    If you’re able to use the full $400 in Dell credits each year, you’ll effectively reduce your card’s annual fee in a dramatic way. The remaining value you’ll get from the card’s other benefits makes it a keeper. 

    Featured credit cards from our partners

    Featured Reward

    60,000 points

    Credit Needed

    Good to Excellent

    Featured Reward

    3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

    Credit Needed

    Good to Excellent

    Featured Reward

    $200 after spending $500 on purchases in the first three months from account opening

    Credit Needed

    Good to Excellent


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