Amex Business Platinum's Overlooked Credits: Dell, Indeed, and Adobe Add Up to $910/Year
Beyond the lounge access and airline rebate, these three credits alone can offset most of the card's $695 fee
The Three Credits
Amex Business Platinum includes a $400/yr Dell Technologies credit, split as $200 in the first half of the year and $200 in the second half, applicable to Dell purchases. It also includes a $360/yr Indeed credit, paid out as $90/month, for job-posting credits on Indeed. Rounding out the trio is a $150/yr credit toward an Adobe Creative Cloud subscription. Together these three total $910/yr, on a card with a $695 annual fee — before counting the card's $240/yr flexible business credit, $155 Walmart+ credit, $120/yr wireless credit, unlimited Centurion Lounge and Priority Pass access, or the 35% airline points rebate on paid-with-points business/first tickets.
Who Can Actually Use All Three
Any small business that already buys computer hardware, posts job listings, or pays for design software subscriptions can redirect that existing spend through these credits rather than treating them as unused perks — none of the three require adopting a new vendor, only routing spend you'd already incur through the card and the specific redemption mechanism (Dell.com purchases, Indeed job credits, Adobe's subscription billing).
What If Your Business Doesn't Use Any of These Vendors
If Dell, Indeed, and Adobe aren't part of your normal operations, these three credits alone won't justify the fee — in that case the card's value case rests more heavily on the lounge access, the flexible business credit's broader category list, and the airline points rebate for businesses that pay cash for premium-cabin travel.
Bottom Line: $910 in Vendor Credits Against a $695 Fee
For a business that already has hardware, hiring, or design software spend, $910 of this card's $695 fee is recoverable through vendor-specific credits alone — everything else the card offers is additional value on top.
Frequently Asked Questions
Is the Amex Business Platinum $695 annual fee worth it?
Yes for a business that already spends on computer hardware, job postings, or design software — the Dell, Indeed, and Adobe credits alone total $910/yr, well above the fee, without touching lounge access or the airline rebate.
Does the Amex Business Platinum Dell credit roll over?
No. It's split $200 in the first half of the year and $200 in the second half, and unused H1 credit does not carry into H2.
What if my business doesn't use Dell, Indeed, or Adobe?
The card's value case then rests more on lounge access, the flexible business credit, and the 35% airline points rebate for businesses paying cash for premium-cabin travel.