Credit Cards

Some of the Best Points Advice René Ever Gave Me

Google+ Pinterest LinkedIn Tumblr
Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.

I still remember the February 2017 phone call with René during which he gave me some of the best points advice I’ve ever received.

My father was recovering from shoulder replacement surgery. In about a week, I’d fly from Los Angeles to Fargo and help him recover for a few days in between my photo editing jobs.

My wife was seven months pregnant, though — and I’d miss our second session of birthing class.

“I want to fly back to LA for a few hours and surprise her at class that night,” I told René. “Then hop on a redeye and make it back to Fargo.”

Travel blogger Rene de Lambert poses at the ATL Atlanta B concourse Sky Club grand opening.
My mentor and friend, René.

“You have the American Express Business Platinum card, right?” he asked.

“Nah,” I said. “I already have the personal Platinum. Why pay for another Platinum card?”

“Get. The. Business. One,” he implored. “Use the 50% points rebate and buy first class. And because you’re redeeming Membership Rewards points directly through Amex and they’re paying the airline –” (In this case, Delta)

Then it dawned on me.

“The trip is a cash fare,” I finished. “So I earn MQMs, MQDs, and SkyMiles.”

“The card pays for itself,” he pointed out. I applied a minute later.

As a small business owner who travels, I value the heck out of this card.

American Express Business Platinum cardLearn how to apply for this card!

Quick Primer on Paying with Membership Rewards Points

When booking flights through, American Express Membership Rewards-earning cardholders may apply as many (or few) available Membership Rewards points as they want towards flight purchases, at a rate of 1 MR = 1 cent. (For example, a $500 flight would cost 50,000 MRs.) Pretty much like Delta co-branded Amex cardholders can use SkyMiles to Pay with Miles to earn MQM or MQS.

Except paying with MRs is way better.

Amex pays the airline — meaning you earn all the benefits of a cash fare. So using Delta as our example, that means you receive not just MQMs and MQS but:

  • MQD
  • SkyMiles/RDMs
  • SkyBonus points (for companies that participate)

The American Express Business Platinum (learn more), though, takes it to another, higher level.

35% Membership Rewards Rebate: The Gift That Keeps Giving — and Can Offset the Annual Fee

American Express Business Platinum (learn more) cardholders receive a 35% Membership Rewards rebate when paying with MRs for flights booked through Amex Travel that are either:

  • coach tickets aboard an airline the cardholder selects annually (i.e. Delta), or
  • first class on any airline flight bookable via

(The rebate originally was 50%. Alas, Amex reduced it to 35% a few years ago)

For example, I paid with MRs for my trip to review the new Austin SkyClub.

The fare was $296.30. I kicked in $6.30 cash just so the point redemption was a nice, even 29,000 🙂

A little more than a month later, the 35% credited back to my Membership Rewards.

American Express Business Platinum Membership Rewards 35% rebate on flights.

Delta-wise, here’s what I received:

Miles earned on a Delta itinerary paid for with Membership Rewards, including an Amex Business Platinum 35% rebate.

(On top of all that, I received a $600 #Bumpertunity on my way home!)

50,000 Membership Rewards can be worth over 75,000 MRs if you redeem them, say, nine times for flights. (The benefit is valid for up to 500,00 bonus Membership Rewards points per year.)

How Much Did I Earn Back on Trip (Minus the Bump)?

Say we value everything at a penny each. (And that’s being conservative-ish regarding the MRs)

The 10,150 MRs comes out to $101.50 worth of points.

The 2169 SkyMiles equals $21.69.

So I earned back — at a minimum — $123.19 worth of points.

I just booked my Chicago Seminars flights the same way but am flying first class. I’ll get back about another $300 in MRs (and earn SkyMiles) — many of the MRs recycled from other 35% redemptions.

I still have a couple of other trips to book; the rebates and SkyMiles will easily offset the $595 annual fee.

And because the American Express Business Platinum (learn how to apply) is a business credit card, its annual fee may be tax-deductible (I’m not a tax professional, so speak with yours about deductions).

**RELATED: Do you need an EIN number for business cards?**

Pool Your Membership Rewards from Other Amex Cards

Using the 35% Membership Rewards rebate is a great way to maximize points you earn from other Amex MR cards such as:

The Platinum Card from American Express.Platinum Card from American Express

American Express Business Platinum cardBusiness Platinum Card from American Express

The American Express Gold CardAmerican Express Gold Card

The American Express Business Gold Card.American Express Business Gold Card

The American Express Green CardAmerican Express Green Card

American Express Business Green CardAmerican Express Green Business Card

Blue Business Plus Credit Card from American Express

Amex EveryDay Credit Card (No Annual Fee)

I use the American Express Gold Card for grocery and dining spend because it earns 4X in both categories. Those MRs — and the points I earn from my personal Platinum card and Business card — all pool together. That’s where the 35% MR flight rebate really comes in handy.

The Amex Business Platinum’s Other Benefits

The dining room at the American Express Centurion Lounge in Las Vegas.

Food buffet at the Amex Centurion Lounge in Dallas DFW.
Why pay for expensive airport meals when your Amex Business Platinum card gets you into lounges where food is served?
  • Fine Hotels & Resorts Benefits:
    • Daily breakfast for two
    • Resort or spa credit
    • Guaranteed late checkout
    • Upgrades when available
    • …and more
The Fountains of Bellagio as seen from a "lake view" room upgrade on an Amex FHR reservation.
The Fountains of Bellagio as seen from a “lake view” room upgrade on an Amex FHR reservation.
  • Amex Offers For You
    • Receive statement credit or earn cashback with select offers for which you register

The Amex Business Platinum Bonus Point Earnings

  • 5X for each dollar spent on flights and pre-paid hotels at
  • 1.5X for purchases over $5,000
  • 1X on everything else

Nothing special. Typical Amex Platinum benefits: non-flight spend bonuses are negligible — but the card’s travel benefits are awesome.

Should I Get the Card Even If I Hold the Personal Platinum Card?

I’ve held both cards for almost three years and make it work.

Yes, the $595 annual fee is a big chunk of change. But it easily offsets, thanks to the:

  • 35% Membership Rewards rebate
  • $200 Dell credit
  • Amex Offers

So Was My Wife Surprised?

Seeing the look on my wife’s face when I surprised her at birthing class was amazing. Through her happy tears, she demanded, “How did we pay for this?! We have a baby coming!” I explained the welcome bonus (whatever it was at the time) and Membership Rewards rebate.

We’ve been able to afford more trips — both for our business and personally — thanks to the rebate points and SkyMiles we’ve earned through the Amex Business Platinum card.

We love this card’s benefits — and highly recommend it.


Read a third-party review of and learn more about The Business Platinum Card from American Express.


The Business Platinum Card from American Express

American Express Business Platinum card

Read why Chris says getting the Business Platinum Card was some of the best advice René ever gave him!

  • 35% Airline Bonus: Pay with Points for all — or even just part — of a flight with your selected qualifying airline, and you can get 35% of the points back (up to 500,000 bonus points per calendar year) when your flight is booked on
  • 5X points on flights and prepaid hotels booked through
  • Transfer points to Delta SkyMiles or other travel loyalty programs!
  • Get 50% more points on purchases of $5,000 or more
  • Access to more than 1200 airport lounges including:
    • Delta Sky Clubs (when flying on Delta Air Lines)
    • Centurion Lounges
    • Escape Lounges
    • Priority Pass Select membership
  • $200 annual airline incidental credit
  • $200 in annual statement credit on US purchases with Dell ($100 semi-annually)
  • Complimentary gold status at Marriott and Hilton
  • Global Entry or TSA Pre√ credit
  • No foreign transaction fees!
  • $595 annual fee
  • Terms apply

Read more now and learn how to apply for The Business Platinum Card from American Express!


Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.

Responses 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. Finally an awesome comprehensive write up for the amex bus platinum card. This will be easy now for me to explained in to friends who do not see the benefit in having the “high priced card”. Naturally I will include the link for you.

  2. I’m not please with Amex over the gutting of PP benefits, the AF fee hike, and the insulting rules that come with the $200 fee credit. I ditched the Amex Platinum and replaced it with the Hilton Ascend. I don’t use PP more than 10 times a year anyway, and it comes with Hilton Gold.

  3. Chris – I had the personal Platinum AMEX card for a number of years, but ultimately cancelled a few years back as it wasn’t providing me as much value once I held the Delta Reserve (and got the Delta SkyClub benefits from that card). I’m now considering the business Platinum, so thanks for this comprehensive write-up. But, I am surprised that you hold BOTH the personal and business versions. What benefits do you get from the personal that would justify holding this if you already have a business Platinum?

    • @Dale R: The Uber and Saks credits help a lot. The authorized user fee is lower for the personal Amex Platinum: $175 for up to three total additional users. My wife, mother-in-law, and father-in-law are all AUs. The lounge access alone for four adults pretty much offsets the $175 AU fee (considering we’d spend about that at airport restaurants during the course of a year traveling together).

      Also, the 5X points on purchases made directly with airlines is certainly nice — but not a major gamechanger.

      All-in-all, it balances out.

  4. HuntingtonGuy Reply

    With the traditional Amex Platinum, Amex Delta Reserve and Amex Delta Plat I feel maxed out on paying Amex fees. While I absolutely get good value using the cards strategically, adding another Amex Plat (Business) seems more than is right for my situation.
    Good article though, mostly reminders but definitely a few new things to keep in mind.

Write A Comment