AMEX Business Cards: The Biggest Bonuses in Germany
If you are self-employed (Freiberufler), a sole trader, or run a company in Germany, the Amex Business cards deserve a serious look. They earn the same flexible Membership Rewards points as the personal cards — but carry the largest welcome bonuses on the German market.
Business cards count as separate products from the personal Gold/Platinum. You can hold a personal and a business card at the same time and qualify for both welcome bonuses. The same eligibility rules apply (SCHUFA check; you must not have held the same card in the previous 18 months; keep it 12 months to retain the bonus).
Business Platinum
Business Platinum Card
- Fee: €850/year.
- Current referral offer (checked 18 July 2026): 200,000 Membership Rewards points after €15,000 card spend in the first 6 months (combined across the main and Business supplementary cards).
- Earning Rate: 1 MR/€ (1.5 MR/€ with the Turbo Program).
- Cash-flow window: up to 58 days to pay, with an individually assessed spending capacity.
- Annual credits: up to €600 for ebuero/Office Club, €200 Dell Technologies, €200 online travel credit and up to €440 in mobility credits.
- Lounge access: two Priority Pass memberships, each with one guest, plus the Amex Global Lounge Collection.
- Card package: one Business Platinum supplementary card and up to 98 Business Gold supplementary cards; an optional Platinum Plus card separates private spend.
The 200,000-point bonus is exceptional, but the €15,000 spending requirement and €850 annual fee are substantial. The card is intended for business expenditure and only makes sense if your business reaches the threshold naturally and will use the credits. Recheck the offer displayed on the application page and all terms before applying.
Ad: Referral link. We earn referral points if you sign up.
Who should consider these? Anyone with real business spend. The points are identical to the personal cards’ MR, so they flow to the same airline and hotel partners and don’t expire while you hold any MR-earning Amex card. For a household with both a business and personal eligibility, alternating personal + business bonuses is the fastest way to stockpile points.
Bonus amounts and spend requirements on business cards change relatively often. Always confirm the current Terms & Conditions on the official American Express Germany business pages before applying.