Amex Business Platinum cardholders receive up to $200 in Dell statement credits each year — here's how to activate and maximize the benefit

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  • The Business Platinum Card® from American Express offers up to $200 in Dell credits per calendar year.
  • The credit is split — up to $100 from January to June, and up to $100 from July to December.
  • The credits are valid toward U.S. Dell purchases only, and you must activate the benefit first.
  • Read Insider’s guide to the best small-business credit cards.

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 85,000 Membership Rewards® points after you spend $15,000 on eligible purchases within your first 3 months of card membership. Plus, new cardholders can earn 5x points on eligible U.S. purchases on shipping, wireless telephone services, advertising in select media, office supplies, and gas stations in the first three months of account opening, up to 80,000 bonus points per category. 

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 the annual statement credit for up to $200 toward U.S. purchases with Dell Technologies.

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

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

The Business Platinum Card® from American Express

American Express The Business Platinum Card® from American Express

To earn the credit, you don’t have to make a single $100 purchase — you can make multiple US Dell purchases and receive credits totaling up to $100 each benefit period. Your statement credits will post automatically once you’ve activated the benefit, and you only need to enroll once — there’s no need to re-enroll after a six-month period ends or a new year begins.

You’ll want to make sure not to 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 shipped. So if you make a purchase on June 30, intending to use the January–June credit, but it doesn’t ship until a week or two later, you may have just missed out on that first $100 credit for the year.

How to maximize the Amex Business Platinum Dell credit

The Amex Business Platinum Card earns 5x points on flights and prepaid hotels booked through Amex Travel, 1.5x points on each eligible purchase of $5,000 or more (up to 1 million additional points per calendar year), and 1 point per dollar on everything else. But that doesn’t mean there aren’t any opportunities to earn extra points from your Dell purchases.

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. For example, you may be targeted for the current Dell Amex Offer to get 10% back as a statement credit on Dell purchases (with a max of $1,500 in statement credit) through April 26, 2021. So 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. 

Which Dell purchases will and will not trigger the credit

You may hear “Dell” and think of computers, but you may be surprised to learn 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. 

That’s because Dell sells more than just computers. While you can certainly use your credit toward the purchase of a laptop or desktop computer, you may want to browse some of their other products for some purchases right around $100, such as monitors, headphones, cameras, speakers, printers, or accessories.

Quick tip: When you’re shopping on Dell’s website, use the “Products” tab to select a category, then sort that category by “Lowest Price” for the easiest viewing of sub-$100 items.

If you’re thinking of buying a $100 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. But the annual statement credits, including up to $200 in airline incidental fee credits and up to $200 in Dell credits, go a long way in helping you offset that hefty fee.

For that reason, you’ll want to make sure to spend $100 at Dell between January and June, and again between July and December. Remember, you’ll need to activate the Dell benefit (as well as other perks like complimentary Hilton and Marriott Gold elite status) before you can use it.

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

While the Dell credit is extremely beneficial, it’s 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 Platinum Card, consider opening that card instead. 

The personal Platinum Card is currently offering a bonus of 75,000 points after you spend at least $5,000 in your first 6 months of account opening. (Note: New Platinum Card® cardmembers can earn 10x points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during the first 6 months of card membership).

Quick tip: Amex has rolled out limited-time benefits and credits for Amex Business Platinum Card and personal Platinum Card holders, as well as new dining and wireless credits on Delta, Hilton, and Marriott co-branded cards. Be sure to check your Amex Offers for the latest deals on your cards.

With a $550 annual fee (See Rates), it’s slightly less expensive than the business version. Instead of up to $200 in annual Dell credits, you receive up to $100 per year in Saks Fifth Avenue statement credits (up to $50 from January to June, and up to $50 from July to December). You’ll also get up to $200 per year ($15 per month, plus an additional $20 in December) in credits toward Uber rides or Uber Eats orders.

There are other options if you prefer an American Express card without as high an annual fee, but still want to earn American Express Membership Rewards points and take advantage of generous statement credits. For example, the American Express® Gold Card offers a welcome bonus of 60,000 points after you spend at least $4,000 in your first 6 months of account opening, and comes with up to $120 a year in dining credits. Plus, the card just added up to $120 a year in Uber Cash(this is only applicable to U.S. Eats orders and Rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit), and its annual fee is just $250 (See Rates).

Senitra Horbrook is a credit cards and award travel expert with more than 15 years of experience working at several online and print publications. She is a graduate of Temple University with a bachelor’s degree in journalism.

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