American Express Platinum vs. American Express Business Platinum: Which premium Amex card is right for you?

Premium playing cards have developed over the previous a number of years to draw and retain prospects.

Two high playing cards for premium journey and way of life advantages are The Platinum Card® from American Express and The Business Platinum Card® from American Express. Each playing cards have an annual payment of $695 (see rates and fees for the Amex Platinum and rates and fees for the Amex Enterprise Platinum).

Though each playing cards have some overlapping advantages, share switch companions and earn Membership Rewards factors, there are vital variations to contemplate when deciding which one is best for you.

Let’s look nearer on the Amex Platinum vs. the Amex Enterprise Platinum to see which makes essentially the most sense on your pockets.

New cardmembers can earn 80,000 bonus factors after spending $8,000 on the Amex Platinum — with six months to finish the spending, so a mean of simply over $1,000 monthly.

Nonetheless, the Business Platinum requires a a lot steeper minimal spend of $20,000 inside the first three months to earn its 150,000-point bonus. Plus, you will should spend $2,500 straight with airways or Amex Journey (spending doesn’t all have to return from one airline) inside three months to earn the $500 assertion credit score. You’ll be able to earn one or each of those presents. This supply ends on June 30.

This requires spending a mean of $6,667 monthly to earn the bonus factors. Roughly $834 of your spending every month must be on simply airfare to earn the $500 assertion credit score.

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Based mostly on TPG’s April 2025 valuations, Membership Rewards factors are value 2 cents every. That makes the Amex Platinum’s welcome bonus value $1,600. In distinction, the Amex Enterprise Platinum’s bonus is value $3,500 whenever you embrace the assertion credit score, making them two of essentially the most helpful presents available on the market.

Nonetheless, some TPG readers have been targeted for even better offers, like as much as 150,000 factors on the non-public Amex Platinum. Examine your eligibility utilizing the CardMatch tool (observe that these presents are topic to vary at any time, and never everybody will obtain the identical presents).

Winner: Amex Enterprise Platinum. Its bonus is value as much as $1,900 greater than the Amex Platinum’s.

Amex Platinum vs. Amex Enterprise Platinum advantages

Each of those playing cards excel in the case of journey and way of life perks.

Advantages supplied to each playing cards

Enrollment is required for choose advantages; phrases apply.

*Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per yr to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.

Client Amex Platinum advantages

The patron Amex Platinum presents these unique perks (enrollment is required for choose advantages; phrases apply):

• Pay as you go resort reserving credit score: As much as $200 assertion credit score every calendar yr on pay as you go bookings at High-quality Inns + Resorts or The Resort Assortment properties made by means of American Categorical Journey (minimal two-night keep requirement for The Resort Assortment)
• Uber credit score: As much as $15 in Uber Money every month to make use of on Uber rides or Uber Eats orders within the U.S., with a further as much as $20 for December (as much as $200 every calendar yr; should add your card as a cost methodology in your Uber account; redeem with any Amex card)
• Saks Fifth Avenue credit score: As much as $100 every calendar yr in Saks Fifth Avenue statement credits (as much as $50 to make use of January by means of June and as much as $50 to make use of July by means of December)
• Digital leisure credit score: As much as $20 in month-to-month assertion credit for subscriptions to The New York Instances, Peacock, The Wall Avenue Journal, Disney+, Hulu, ESPN+ or the Disney Bundle (as much as $240 every calendar yr)
• Equinox credit score: As much as $300 annual assertion credit score for select Equinox memberships or a digital subscription to Equinox+ health app (topic to auto-renewal)
• Walmart+ membership credit score: As much as $12.95 in month-to-month assertion credit for one month-to-month Walmart+ membership (topic to auto-renewal); Plus Up Advantages not eligible (as much as $155 every calendar yr)

As you possibly can see, this could ship a ton of worth, particularly in case you already use a number of the eligible providers.

Associated: 10 things to do when you get the Amex Platinum

Enterprise Platinum advantages

In the meantime, the Business Platinum card has the next unique perks (enrollment is required for choose advantages; phrases apply):

• 35% airline factors bonus: Obtain 35% of your factors again when paying with factors for flights booked with Amex Journey. This is applicable to any flights in your most popular airline (chosen prematurely) or flights in first or enterprise class with any airline. As much as a million factors are allowed as a rebate.
• Dell assertion credit score: As much as $200 to make use of January by means of June and as much as $200 to make use of July by means of December on U.S. Dell purchases (as much as $400 every calendar yr)^
• Adobe assertion credit score: As much as $150 in assertion credit every calendar yr for eligible Adobe purchases (applies solely to pay as you go plans with Inventive Cloud or Acrobat Professional DC with e-sign for groups; topic to auto-renewal)^
• Certainly assertion credit: As much as $90 per quarter in assertion credit for spending with Certainly (as much as $360 every calendar yr)
• Month-to-month wi-fi credit: As much as $10 in month-to-month assertion credit for spending on wi-fi plans with U.S. suppliers (as much as $120 every calendar yr)
• Hilton assertion credit score: As much as $50 per quarter in assertion credit on Hilton purchases (as much as $200 per calendar yr)

^Benefits changing on July 1

Winner: Tie. Every card presents assertion credit that may present worth based mostly on the providers a person or enterprise could use.

Associated: Have an Amex Business Platinum card? Don’t forget to register for these perks

Each playing cards earn 5 factors per greenback whenever you buy airfare and pay as you go resort rooms from Amex Journey. Nonetheless, the non-public Amex Platinum additionally earns 5 factors per greenback on airfare bought straight with airways.

One draw back is that the Amex Platinum’s bonus-earning on airfare is proscribed to the primary $500,000 spent every calendar yr (then 1 level per greenback), nevertheless it’s unlikely that almost all cardmembers will spend this a lot in a yr.

Then again, the Amex Business Platinum card is nice for enterprise homeowners who often make massive purchases with the cardboard since purchases of a minimum of $5,000 and in choose enterprise classes earn 1.5 factors per greenback (on as much as $2 million of those purchases per yr, then 1 level per greenback).

Winner: Amex Enterprise Platinum. Its higher for giant purchases, however observe it’s a must to e-book airfare by means of Amex Journey to earn bonus factors with this card in case your buy is lower than $5,000.

American Express Membership Rewards factors are probably the most helpful loyalty currencies on the market. Based on TPG’s April 2025 valuations, Amex factors are value 2 cents apiece.

With 21 transfer partners, Membership Rewards factors from these playing cards may help you journey to only about anyplace on the planet.

One profit that is unique to the Business Platinum card is that whenever you e-book any flight straight with factors by means of Amex Journey in your preselected airline — or enterprise or top notch on any airline — you will obtain a 35% rebate of the points you used (as much as a million factors every calendar yr).

Other than journey, Membership Rewards factors could be redeemed for present playing cards, to pay for purchases at Amazon.com and for assertion credit. We at all times advocate redeeming your factors for journey to get essentially the most worth out of them.

Winner: Amex Enterprise Platinum. Whereas each playing cards have an identical redemption choices, the Amex Enterprise Platinum presents a 35% factors rebate on eligible flights (as much as a million factors per calendar yr).

Each the Amex Platinum and Amex Business Platinum share entry to the identical 21 hotel and airline partners.

Some profitable switch companions that supply nice redemption choices embrace Air Canada Aeroplan, Air France-KLM Flying Blue and Avianca LifeMiles.

TPG bank cards author Danyal Ahmed transferred 20,000 factors from his Amex Platinum to Aeroplan to e-book a lie-flat enterprise class intra-Europe flight on Turkish Airlines from London to Istanbul. This was a incredible deal; given the money fare was $1,236, he acquired a worth of over 6 cents per level, far increased than TPG’s April 2025 valuation of two cents per level for Membership Rewards factors.

Should you’re on the lookout for a premium card loaded with journey perks and haven’t got a enterprise or the substantial bills that include one, the non-public Amex Platinum ought to suffice. Nonetheless, in case you spend loads on enterprise bills and might benefit from its business-related assertion credit, the Amex Business Platinum is the way in which to go.

Options like lounge entry, journey protections and intensely helpful factors are only a few of the sights. It might make sense to have both in your pockets, however guarantee your skilled and private spending habits make each annual charges value it.

To study extra, learn our full evaluations of the Amex Platinum and Amex Business Platinum.

Apply right here: Amex Platinum
Apply right here: Amex Business Platinum

For charges and costs of the Amex Platinum, click on here.
For charges and costs of the Amex Enterprise Platinum, click on here.