American Express Platinum Card^® vs. Amex Business Platinum: Which Should You Choose?

A credit card with high-end perks can make a huge difference in your life — especially if you're a frequent traveler. In many cases, it's not just about the points you can earn but also about the extras you receive. Free airport lounge access? Airline credits? Other benefits? Even with a steep annual fee, it can be worth the cost if you get good use out of the perks.

If you're trying to decide between the American Express Platinum Card^® and the Amex Business Platinum, here's what you need to know.

American Express Platinum Card^® vs. Amex Business Platinum

	American Express Platinum Card® 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Amex Business Platinum 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
FinanceBuzz value calculation2 <p class="">These values are based on the <a href="https://financebuzz.com/financebuzz-credit-card-valuation">FinanceBuzz Credit Card Rewards Valuation Model</a>, which takes a look at rewards earned via spending, the welcome offer, and the annual fee. We used a valuation of 1 cent/point unless otherwise stated above. These are estimated values - your actual earnings will depend on how much you spend and in what categories.<br></p>	Year 1: $4,210 Year 2: $2,460	Year 1: $2,338 Year 2: $338
Annual fee	$895	$895
Welcome bonus	Earn as high as 175,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)	Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
Earning rate	5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases	5X points on flights and prepaid hotels on AmexTravel.com; 2X points on purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and on each eligible purchase of $5,000 or more (up to $2 million per year, then 1X), and 1X points per $1 spent on all other eligible purchases (purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus)
Select credits	Up to $200 Uber Cash and $120 in Uber One credit Up to $200 airline fee credit Up to $120 for Global Entry every four years or up to $85 TSA PreCheck every 4.5 years (5-year plan only) $209 CLEAR® Plus membership credit Up to $155 Walmart+ Credit (up to $12.95 plus applicable local sales tax. Plus Ups not eligible.) Up to $600 credit with The Hotel Collection (requires a minimum two-night stay) or Fine Hotels & Resorts Up to $300 credit for select digital entertainment subscriptions $400 Resy credit ($100 per quarter) Enrollment required for select benefits	Up to $200 airline fee credit Up to $600 credit with The Hotel Collection (requires a minimum two-night stay) or Fine Hotels & Resorts Up to $200 annual statement credit for eligible purchases at Hilton properties (Hilton For Business program membership required) $120 for Global Entry every four years or up to $85 for TSA PreCheck every 4.5 years (5-year plan only) Up to $209 CLEAR® Plus membership credit Up to $150 annual statement credit for U.S. purchases directly with Dell, and an additional $1,000 statement credit after you spend $5,000 or more on that same card per calendar year Up to $360 annual credit for Indeed $250 statement credit for U.S. purchases directly with Adobe after spending $600 or more per calendar year Up to $120 annual credit for wireless telephone services Enrollment required for select benefits
Airport lounge access	Centurion Lounge International American Express Delta Sky Club Priority Pass Enrollment required for select benefits	Centurion Lounge International American Express Delta Sky Club Priority Pass Enrollment required for select benefits
Hotel perks	Complimentary benefits through Fine Hotels & Resorts, including WiFi, room upgrades, daily breakfast, and late check-out Marriott Bonvoy® Gold Elite Status Hilton Honors™ Gold Status Enrollment required for select benefits	Complimentary benefits through Fine Hotels & Resorts, including WiFi, room upgrades, daily breakfast, and late check-out Marriott Bonvoy® Gold Elite Status Hilton Honors™ Gold Status Leading Hotels of the World Sterling Status Enrollment required for select benefits
Rental car perks	Complimentary membership in premium car rental programs, along with discounts and upgrades	Complimentary membership in premium car rental programs, along with discounts and upgrades
Foreign transaction fee	None	None
Authorized user fee	$195 for additional cards	$350 for employee cards
	Learn more	Learn more

What both cards do well

There are plenty of similarities between these cards. For example, you'll earn Membership Rewards with both, which can often be transferred on a 1:1 basis with a variety of Amex partner airlines and hotels. Here are some other similarities:

• Welcome offer: Both cards have competitive and lucrative welcome offers. Business cards sometimes have higher bonuses, but that comes with a higher spend requirement so be sure you can meet the spend requirement if the bonus is a deciding factor for you. Here's how the compare:
  
  American Express Platinum Card^®: Earn as high as 175,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)
  Amex Business Platinum: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
• Earning rate on travel: While some of the details of the earning rates for each card differ, both cards offer an elevated earn rate on flights and hotels. This makes them both appealing travel rewards cards.
• Travel perks: These two cards also offer a number of the same travel perks. For example, both cards offer airport lounge access, complimentary benefits through Fine Hotels & Resorts, Marriott Bonvoy Gold Elite Status, Hilton Honors Gold Status, Leading Hotels of the World Sterling Status, complimentary membership in premium car rental programs, and trip cancellation and delay insurance. I especially like that these cards give you access to a number of different airport lounges and hotel statuses. This makes it easier to find a lounge or hotel that suits your needs.
• Travel-related credits: The Platinum Card® and Amex Business Platinum both offer a $200 annual airline fee credit, an annual CLEAR® Plus membership credit, and a credit for Global Entry every four years. Once again, if you're looking for travel perks, these credits stand out.
• No foreign transaction fees: Neither card charges a foreign transaction fee, which is a benefit I always look for in a travel rewards card.

Where they differ

When considering the American Express Platinum Card^® vs. Amex Business Platinum, you should also consider the key differences between the two cards. You'll be able to figure out which is best for you based on how you can earn points, the available benefits, and the costs involved.

1. Big differences in credits

While each card comes with a credit for various travel-related fees — including Global Entry or TSA PreCheck — there are some important differences in the other credits available.

With the American Express Platinum Card^®, you also receive:

• $15 in Uber Cash each month (except December, when you receive an additional $20); terms apply. You must use an Amex card as the payment method to redeem your Amex Uber Cash benefit
• Up to $100 credit for shopping at Saks Fifth Avenue, divided up so that you receive $50 January through June and the other $50 during the second half of the year
• Up to $600 in credits for qualifying hotel stays of at least two nights booked through American Express Travel
• Up to $300 digital entertainment credit for eligible subscriptions
• Up to $155 in Walmart+ credits (up to $12.95 plus applicable local sales tax. Plus Ups not eligible.)
• Up to $209 CLEAR® Plus membership credit
• $300 lululemon credit
• $400 Resy credit

With the Amex Business Platinum card, you can receive:

• Up to $150 in statement credits on U.S. purchases directly with Dell Technologies, and an additional $1,000 statement credit after you spend $5,000 or more on that same card per calendar year
• Up to $200 annual statement credit for eligible purchases at Hilton properties (Hilton For Business program membership required)
• Up to $600 in credits for qualifying hotel stays of at least two nights booked through American Express Travel
• Up to $360 in annual Indeed statement credits
• Get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year
• Up to $120 in annual wireless telephone services statement credits
• Up to $209 in statement credits for an eligible CLEAR® Plus membership

Business Platinum cardholders can earn an additional $1,200 Amex flight credit and a $2,400 credit for One AP — Amex's accounts payable platform — for use in the following calendar year after spending $250,000 on the card in a calendar year.

Ultimately, how valuable these credits are depends on if you'll actually use them. For example, I often use Uber, and I think I would find value in the hotel stays and digital entertainment credits that come with the American Express Platinum Card^®.

I probably wouldn't use the Indeed or Adobe credits, so the Business Platinum is less appealing to me. However, it might be different for you. Evaluate which credits are actually valuable to you when deciding between these cards.

Don't forget that enrollment is required for select benefits with both cards.

Winner: It's a tie. Either one could be more valuable depending on which credits you use. After all, the Amex Business Platinum card is a business credit card, so it probably doesn't make much sense for the average consumer.

2. The Business version has additional earning rates

Both of these cards offer cardholders the chance to earn bonus points on eligible flight and hotel purchases. If you're a frequent traveler, either of these cards will likely work well for you.

However, the American Express Business Platinum card has the added advantage of giving cardmembers 2X points per dollar spent on qualifying purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and on each eligible purchase of $5,000 or more (up to $2 million per year, then 1X) (up to 1 million additional points per year). So if you often need to make big purchases for your business, you could get extra points.

Winner: Amex Business Platinum

3. 35% airline bonus

When you use the Amex Business Platinum card, you receive 35% of your points back (up to 1,000,000 points per calendar year) when you use points to book a flight through the American Express Travel website. If you do a lot of business travel, this points rebate can make a big difference.

The American Express Platinum Card^® does not currently offer anything like this.

Winner: Amex Business Platinum

4. Different authorized user fees

There is a difference in costs when you add authorized users. You can add an authorized user to your American Express Platinum Card^® for $195. With the Amex Business Platinum card, though, you'll pay $350 to add an employee Business Platinum card to your account. Be aware of the extra cost involved with the Business card.

However, neither of these cards charge a foreign transaction fee, which can be useful when you go overseas. I always look for this benefit when researching travel cards.

Winner: American Express Platinum Card^®

FAQ

Which card is best for you?

The best travel credit card for you depends on how you plan to use it. If you have a lot of business costs, travel frequently for work, and can comfortably spend enough to earn the welcome bonus, the Amex Business Platinum could be the right move for you.

On the other hand, if you don't have business expenses, the American Express Platinum Card^® would be the better choice. Even if you have a business, it might still make sense to stick with the regular Platinum Card® if you don't think you'll spend enough to get the big benefits.

Additionally, consider the perks and credits offered by the American Express Platinum Card^® vs. Amex Business Platinum. Which are you more likely to make use of? For me, this makes it easy to favor the American Express Platinum Card^®, but it could be different for you depending on your spending habits.

Be honest about what perks you're more likely to use and move forward with the card that makes the most sense. Either way, it's a good idea to only spend what you can pay off in a month. Carrying a balance on these rewards cards could cost you big time.

Luxury Travel Benefits

American Express Platinum Card^®

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

American Express Platinum Card^®

Learn How to Apply

See rates and fees | Terms Apply

Current Offer

Earn as high as 175,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)

Annual Fee

$895

Rewards Rate

5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases

Benefits and Drawbacks

Benefits

• Enjoy hundreds of dollars in annual credits (enrollment required for select benefits)
• Gain access to exclusive airport lounges worldwide (enrollment required)
• Elevate your hotel stays with elite status perks (enrollment required)
• Earn valuable Membership Rewards points on flights and hotels
• Protect your trips with top-notch travel insurance

Drawbacks

• Comes with a hefty $895 annual fee
• Charges $195 for each authorized user
• Some credits are challenging to use

Card Details

• Earn as high as 175,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)
• 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases
• Terms apply

Premium Business Rewards

The Business Platinum Card^® from American Express

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

The Business Platinum Card^® from American Express

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See rates and fees | Terms Apply

Current Offer

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.

Annual Fee

$895

Rewards Rate

5X points on flights and prepaid hotels on AmexTravel.com; 2X points on purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and on each eligible purchase of $5,000 or more (up to $2 million per year, then 1X), and 1X points per $1 spent on all other eligible purchases (purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus)

Benefits and Drawbacks

Benefits

• Option to pay a portion of eligible charges over time, rather than in full monthly
• Seamlessly connects to QuickBooks® for easy reporting
• Includes cell phone insurance up to $800 per claim for damage or theft¹ <p>Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>

Drawbacks

• High annual fee that isn’t worth it if you don’t travel frequently
• High spend requirement to earn the welcome bonus

Card Details

• Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• $895 Annual Fee.
• Terms Apply.

Top Checking Offer

Alliant High-Rate Digital Checking

Get your paycheck up to 2 days early with their Early Payday feature.³ <p>With Early Payday, Alliant Credit Union may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Payday. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early access to funds is dependent on submission of direct deposit by payor and standard fraud prevention restrictions. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Payday.</p> <p>If Alliant makes funds available early through Early Payday and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by Alliant, Alliant may debit your account for the deposit amount previously made available early, which may draw your account negative.</p>

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