American Express Platinum Freedom Pass Business Credit Card Review

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American Express Platinum Freedom Pass Star Rating

The American Express Business Platinum Freedom Pass Cardis a very shiny and desirable piece of plastic indeed. Flash your American Express Platinum in a fancy restaurant and some would say that you start feeling like you’ve made the big time. Star Reviews researched to see if this business credit card was more than just a fancy status symbol?

The American Express Business Platinum Freedom Pass Card form could just be the best business credit card for all around flexibility that we’ve seen. What does it take to get such a card? Well, it all comes down to your credit history. If you can qualify for the lowest APR then you’re looking at a fantastic 3.99% plus prime! Depending on your rating the APR can go up to a maximum 9.99 plus prime, so even at the higher end it’s still a great APR. This makes the card ideal for ‘Rollers’ that is people who plan to pay off business expenses over time.

If you’re looking to switch a balance over from another loan or credit card there’s an introductory balance transfer rate of just 7.99% to take advantage of. And even if you’re planning to pay off your balance monthly you still get access to a 1 point per dollar reward scheme which means the card pays off pretty much any way you choose to use it. It’s this flexibility that gives this credit card an edge over other cards in our business credit card reviews.

To sum it up, it’s a well balanced credit card!

Online User-Friendliness
It’s easy to apply online with American Express. You can get an instant decision.Their website is very user friendly and gives you access to forums and business advice.You can manage your AMEX account online to keep up with payments and generate expenditure reports for your accounts.

Star Reviews Favorite Features

A 7.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the first six months.
There is absolutely no annual fee!

Rewards

1 point per dollar reward schemeAdditional points bonuses through participating merchants

AMEX Business Platinum Features

Special offer on balance transfers if made within first 45 daysAccess to the ‘Open’ Small Business NetworkCredit management tools onlineDiscounts from big name merchantsTravel Accident InsurancePurchase Protection24hr Emergency assistance24hr Assistance with identity fraud

Introductory Pricing

Introductory Offers – 0% APR on purchasesIntroductory Period – 12 months

Annual Fee - $0Additional Cardholders - $0APR on Purchases – 3.99 + Prime (depending on your credit history)APR on Cash Advances – 20.24% variable based on primeCash Advance Fee – 3% ($5 minimum)Late Payment Charges - $19 up to a balance of $400, and $38 on balances of $400 and over.Over the Limit Fee - $35Grace Period – 25 days

Customer Support

American Express provides 24 hour lost and stolen and 24 hour fraud help line phone numbers. Card members also have access to a 24hr customer service help line and online assistance in the form of email, FAQ’s, advice boards and forums. The help lines are generally very easy to access and the staff is trained to a high level of customer service. American Express does a lot to make you feel like part of their club. They respond very quickly to complaints and try to make all cardholders feel like valued customers. When you compare business credit cards, American Express stands up really well to their competitors.

Upside:

Very flexible card – Best balance transfer rates – No annual fee

Downside:

Difficult to qualify for lower APR’s

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American Express Platinum Freedom Pass Star Rating