The Business Platinum Card® Triple Dip: How to Earn 3 Years of Credits in One Year!

The Business Platinum Card® Triple-Dip Strategy (2025–2027 Explained)

The Business Platinum Card® from American Express was refreshed recently, and right now there’s a rare triple-dip opportunity that can deliver thousands of dollars in value in your very first year.

Because the $895 annual fee posts about a month after approval, applying now allows you to collect credits from three different calendar years — 2025, 2026, and 2027 — before paying a second annual fee.

This makes the Business Platinum one of the most powerful timing-based credit cards available today.

🔹 What Is the Triple Dip?

A triple dip means you can earn:

• 2025 credits

• 2026 credits

• 2027 credits

…all during your first cardmembership year.

You can use the credits, evaluate the value, and then decide whether to keep the card long-term.

If it’s not worth it for you, Amex allows cancellation within 30 days of the second annual fee posting for a refund, or you can downgrade after 12 months.

💰 Triple-Dip Credits You Can Stack Immediately

By applying now, here’s what you can realistically receive before your second annual fee:

🏨 Prepaid Hotel Credits – $1,200 Total

• $300 in 2025

• $300 in Jan–Jun 2026

• $300 in Jul–Dec 2026

• $300 in 2027

Valid on Fine Hotels + Resorts® and The Hotel Collection (2-night minimum).

Pro tip: You can stack 2025 + 2026 credits for a free luxury hotel stay in 2026, while earning 5X points, hotel elite benefits, daily breakfast, upgrades, and late checkout.

💻 Dell Credits – Up to $3,450 Total

• $450 from $150/year (2025–2027)

• $3,000 from $1,000 back after $5,000 in annual Dell spend (2025–2027)

A single $5,000 Dell purchase can trigger $1,150 back in one year.

✈️ Airline Fee Credits – $600 Total

• $200 in 2025

• $200 in 2026

• $200 in 2027

Common data points show:

• JetBlue fares under $129

• Southwest fares under $109

• United TravelBank funding
  often trigger these credits.

🛂 CLEAR® Plus Credits – $627 Total

• $209 in 2025

• $209 in 2026

• $209 in 2027

CLEAR works even without TSA PreCheck, and kids under 18 fly free with parents.

🏨 Hilton Credits – $300 Total

• $50 per quarter from Q4 2025 through Q1 2027

• Valid at any Hilton property worldwide

👔 Indeed Credits – $540 Total

• $90 per quarter from Q4 2025 through Q1 2027

📱 Wireless Credits – $140 Total

• $10 per month from Dec 2025 through Jan 2027

🎨 Adobe Credits – $750 Total

• $250 back after $600 in spend per year (2025–2027)

🛃 Global Entry / TSA PreCheck – $120

• Applies to all additional employee cards, including no-fee cards

🔹 Welcome Bonus (On Top of the Triple Dip)

Earn at least 200,000 Membership Rewards® points after spending $20,000 in 3 months.

Some applicants are seeing 250K–300K point offers, and you’ll see your exact offer before accepting.

🔹 Why This Matters

Even if you only use half of the available credits, the triple-dip alone can easily exceed the $895 annual fee — before counting:

• Lounge access

• 5X flight & hotel earnings

• 35% points rebate

• Elite hotel & rental status

Final Verdict

The Business Platinum Card® triple dip is a timing play, not just a credit card.

If you apply at the right moment, you can:

• Lock in three years of credits

• Test the card risk-free

• Walk away with massive value if it doesn’t fit your business

Learn More.