Key takeaways
- American Express is adding complimentary ZO coworking membership to the Business Platinum and Corporate Platinum Cards starting Oct. 22.
- The benefit includes unlimited Clubhouse access, four monthly Studio day passes valued at approximately $200 in savings, and up to $500 in annual statement credits.
- The real value depends on your location and usage patterns—professionals in Boston, Chicago, Los Angeles, New York, San Francisco or Washington D.C. who use coworking will benefit most.
- Cardmembers must activate their ZO membership online before visiting any Clubhouse or Studio location.
American Express expanded its business card benefits lineup by introducing complimentary access to ZO, a coworking network operated by Tishman Speyer. The new benefit launches on October 22 for eligible U.S. cardmembers holding either The Business Platinum Card from American Express or the American Express Corporate Platinum Card.
The ZO membership bundle includes:
- Unlimited access to participating Clubhouses
- Four Studio coworking day passes each month
- Up to $500 in annual statement credits toward event space bookings or a Dining Club membership
More than 25 ZO locations operate across six major markets: Boston, Chicago, Los Angeles, New York City, San Francisco and Washington, D.C. This represents a return to the table for coworking benefits on the Business Platinum — the card previously featured complimentary WeWork membership from 2019 through 2020, ending its partnership with that platform over three years ago.
Understanding ZO’s Two Workspace Models
ZO operates two distinct types of spaces that serve different working needs.
Clubhouses: Flexible Lounge Access
Clubhouse locations function as casual lounges rather than traditional desks. These spaces allow cardmembers to work, hold meetings or simply take a break between commitments. Amenities differ by location but typically include dining options and event space alongside the primary work areas. The Manhattan Clubhouse at The Spiral in Hudson Yards occupies the building’s 66th floor, offering skyline views with food service through Café Llama.
Studio: Full Coworking Facilities
Studio provides the conventional coworking experience with shared desks, dedicated private offices and meeting rooms. High-speed internet, complimentary coffee and tea, and event space availability round out the standard amenities. These spaces operate across the same six markets as Clubhouses.
What Comes With Your Amex Benefit
Business Platinum and Corporate Platinum cardmembers receive unlimited access to all participating Clubhouses, plus four complimentary guest day passes for Clubhouses each week. Studio access works differently—the benefit covers four complimentary day passes per month, meaning you can visit four separate days without paying.
Studios list individual day passes at roughly $50 before taxes at multiple locations, which translates to potential monthly savings of at least $200 if you use all four included passes. This calculation assumes you would otherwise purchase passes independently; the actual value depends on your usage patterns and which cities you frequent.
Keep in mind the membership does not cover all expenses. Dining services, private office rentals and certain specialized experiences require separate payment beyond what the Amex benefit covers.
The $500 Annual Statement Credit
The card includes a separate annual benefit: up to $500 in statement credits each calendar year. These credits apply to two categories of spending.
First, you can use the credits toward event space bookings at any ZO or Studio location. Event spaces begin at $1,500 per hour, so the $500 credit covers a portion of that cost if you book space for corporate meetings, presentations or similar events.
Second, the credits can be applied to a Dining Club membership through ZO. Unlike a general restaurant discount, this membership carries a specific cost that ZO does not publicly list. The Dining Club membership benefit is not intended for casual meal reimbursement during your workspace visits; it represents a separate membership product.
Calculating Real Value From the Benefit
The practical value of this addition depends entirely on your geographic location and workspace habits.
Frequent Studio Users
If you routinely work in one of the six participating metro areas and would otherwise pay for daily coworking passes, the four monthly Studio passes directly offset costs. At $50 per pass, claiming all four monthly credits adds up to $200 in savings. Over a full year, this amounts to $2,400 in potential value if you use every single pass and prices remain consistent.
Clubhouse Members
The unlimited Clubhouse access carries more strategic value if you live or work near a participating location. Unlike the limited Studio passes, Clubhouse access works on an unlimited basis, meaning the benefit scales with your frequency of visits. For professionals who need occasional workspace access between meetings, before flights, or during hotel checkouts, unlimited access eliminates the need to budget individual passes.
Event Space Users
The event space credit only makes sense if your business actually books ZO or Studio locations for events. At the $1,500-per-hour starting price, even one annual event consumes a significant portion of the $500 credit. If your business never needs event space, this component has no relevance to your situation.
Activation and How to Access the Benefit
Enrollment through American Express is not automatic. Cardmembers must activate their ZO membership through either the dedicated cardmember website or the ZO mobile app (available on iOS and Android) before making any visits to Clubhouse or Studio locations.
Starting October 22, the Amex Business Platinum website and mobile app will display participating spaces by city and provide instructions for redeeming the statement credit. Any Studio visits must be reserved in advance through the same digital channels; you cannot simply walk in without a reservation on your assigned day.
Who Gets the Most Value
This benefit most directly serves Business Platinum and Corporate Platinum cardmembers who meet specific conditions.
The strongest use case involves professionals based in one of the six major participating markets who already spend money on coworking membership or day passes. If your current expenses include WeWork, Regus, or similar platforms in Boston, Chicago, Los Angeles, New York, San Francisco or Washington D.C., the complimentary ZO access immediately offsets those costs.
A secondary use case covers professionals who travel for business within these markets and occasionally need temporary workspace access. Rather than booking a separate day pass upon arrival in a city, the included Studio passes provide a zero-friction solution when you need a desk between meetings.
The event space credit appeals primarily to businesses based in ZO-served markets that regularly host client meetings, training sessions or company events. For businesses that book events rarely or never, this component of the benefit remains unused.
For cardmembers outside these six markets or those who work exclusively from home or office space they already own, this benefit carries minimal practical value. However, for those who do operate in one of the participating cities, ZO access could help justify the card’s annual fee when combined with the card’s other existing benefits.
Source: The Points Guy Articles
Frequently Asked Questions
What does the ZO membership include?
The membership includes unlimited access to participating ZO Clubhouses, four Studio coworking day passes per month, and up to $500 in annual statement credits toward event space bookings or a Dining Club membership.
In which cities can I use the ZO benefit?
ZO has participating locations in Boston, Chicago, Los Angeles, New York City, San Francisco and Washington, D.C.
How much can I save with the four monthly Studio passes?
Studio day passes cost approximately $50 before taxes at multiple locations, meaning using all four included passes could save at least $200 per month if you would otherwise purchase passes independently.
