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Card vs Card Comparison

Amex Business Platinum
vs
Amex Platinum.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Business Platinum

Annual fee

$895

Points

Membership Rewards

Signup bonus

Currently around 150K to 200K points after spend, see issuer for the current offer

Top earning rates

  • →5x on flights and prepaid hotels (Amex Travel)
  • →1.5x on purchases over $5K
  • →1x on everything else

Top perks

  • →$200 hotel credit (Fine Hotels + Resorts and Hotel Collection)
  • →$200 airline incidental credit
  • →$400 Dell credit annually
See Amex Business Platinum detailsarrow_forward

American Express

Amex Platinum

Annual fee

$895

Points

Membership Rewards

Signup bonus

Currently around 175K points after spend, see issuer for the current offer

Top earning rates

  • →5x on flights booked direct or on Amex Travel
  • →5x on prepaid hotels on Amex Travel
  • →1x everywhere else (the weakest baseline of the premium cards)

Top perks

  • →$200 hotel credit (Fine Hotels + Resorts and Hotel Collection)
  • →$200 airline incidental credit
  • →$200 Uber credit
See Amex Platinum detailsarrow_forward

The verdict

When each card wins.

Amex Business Platinum wins if

Pick this if you run a business with regular $5K+ purchases and can use the Dell, Indeed, and Adobe credits.

Honest downside: Credits are business-specific. Personal travelers get more value from the personal Platinum.

Amex Platinum wins if

Pick this if you travel internationally a few times a year, stay at higher-end hotels, and will actually use the monthly credits.

Honest downside: Weak everyday earner. The $895 fee only pencils out if you use the credits, otherwise it is the most expensive card to carry.

At a glance

Side-by-side spec sheet.

SpecAmex Business PlatinumAmex Platinum
Annual fee$895$895
Points currencyMembership RewardsMembership Rewards
Signup bonusCurrently around 150K to 200K pointsCurrently around 175K points
Top earn category5x on flights and prepaid hotels (Amex Travel)5x on flights booked direct or on Amex Travel
Second earn category1.5x on purchases over $5K5x on prepaid hotels on Amex Travel
Third earn category1x on everything else1x everywhere else (the weakest baseline of the premium cards)
Signature perk$200 hotel credit (Fine Hotels + Resorts and Hotel Collection)$200 hotel credit (Fine Hotels + Resorts and Hotel Collection)
IssuerAmerican ExpressAmerican Express

Questions

Frequently asked.

Which is better, Amex Business Platinum or Amex Platinum?

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Amex Business Platinum wins if you run a business with regular $5K+ purchases and can use the Dell, Indeed, and Adobe credits. Amex Platinum wins if you travel internationally a few times a year, stay at higher-end hotels, and will actually use the monthly credits.

Can I have both the Amex Business Platinum and the Amex Platinum?

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Both cards are issued by American Express, so the issuer's application rules apply. Many cardholders carry both if the perks don't overlap, but check your issuer's velocity rules before applying for two cards close together.

Which has the higher annual fee, Amex Business Platinum or Amex Platinum?

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Both cards charge a $895 annual fee. The right pick comes down to which earning categories and perks you'll actually use.