{"id":185332,"date":"2025-08-06T21:15:08","date_gmt":"2025-08-06T21:15:08","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/06\/amex-platinum-vs-business-platinum-which-card-is-best-the-points-guy\/"},"modified":"2025-08-06T21:15:08","modified_gmt":"2025-08-06T21:15:08","slug":"amex-platinum-vs-business-platinum-which-card-is-best-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/06\/amex-platinum-vs-business-platinum-which-card-is-best-the-points-guy\/","title":{"rendered":"Amex Platinum vs. Business Platinum: Which card is best? – The Points Guy"},"content":{"rendered":"


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Premium cards have evolved over the past several years to attract and retain customers.<\/p>\n

Two top cards for premium travel and lifestyle benefits are The Platinum Card\u00ae from American Express<\/a><\/span> and The Business Platinum Card\u00ae from American Express<\/a><\/span>.<\/p>\n

Both cards have an annual fee of $695 (see rates and fees<\/a> for the Amex Platinum and rates and fees<\/a> for the Amex Business Platinum).<\/p>\n

Although both cards have some overlapping benefits, share transfer partners and earn Membership Rewards<\/a> points, there are important differences to consider when deciding which one is right for you.<\/p>\n

Let’s compare the Amex Platinum vs. the Amex Business Platinum to see which is best for your wallet.<\/p>\n

<\/p>\n

Amex Platinum vs. Amex Business Platinum comparison<\/h2>\n

Before we dive into more details, here’s a comparison of the two cards’ welcome offers, earning rates, major perks and available credits for cardmembers.<\/p>\n

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\n\n\n\n\n\n\n\n\n\n\n\n
Benefit\/perk<\/strong><\/th>\nAmex Platinum Card<\/strong><\/th>\nAmex Business Platinum Card<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Welcome offer<\/strong><\/td>\nFind out your offer and see if you are eligible to earn as high as 175,000 Membership Rewards Points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.<\/td>\nEarn 150,000 bonus points after spending $20,000 on eligible purchases in the first three months of card membership.<\/td>\n<\/tr>\n
Annual fee<\/strong><\/td>\n$695<\/td>\n$695<\/td>\n<\/tr>\n
Earning rates<\/strong><\/td>\n\n
    \n
  • 5 points per dollar spent on flights booked directly with airlines or via American Express Travel\u00ae (on up to $500,000 of these purchases per calendar year, then 1 point per dollar)<\/li>\n
  • 5 points per dollar spent on prepaid hotels booked with Amex Travel<\/li>\n
  • 1 point per dollar spent on other purchases<\/li>\n<\/ul>\n<\/td>\n
\n
    \n
  • 5 points per dollar spent on flights and prepaid hotels booked with Amex Travel<\/li>\n
  • 1.5 points per dollar spent on purchases of $5,000 or more and in select business categories in the U.S. (construction material and hardware suppliers, electronics goods retailers, software and cloud system providers and shipping providers) on up to $2 million of purchases in a calendar year, then 1 point per dollar<\/li>\n
  • 1 point per dollar spent on other purchases<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Statement credits<\/strong><\/td>\n\n
    \n
  • Up to $200 in statement credits each calendar year on eligible hotel bookings made through AmexTravel.com (minimum two-night stay required for The Hotel Collection bookings)<\/li>\n
  • Up to $200 statement credit for airline fees per calendar year, which covers incidental charges<\/li>\n
  • Up to $199 statement credit each calendar year for a Clear
    Plus membership (subject to auto-renewal)<\/li>\n
  • $120 fee credit for Global Entry every four years or up to $85 fee credit for TSA PreCheck every 4\u00bd years<\/li>\n
  • Up to $200 each calendar year in Uber Cash (up to $15 each month to use on Uber rides or Uber Eats orders in the U.S., with an additional up to $20 in December). Uber Cash will only be deposited into one Uber account when you add the Amex Platinum to the Uber account. You must pay with an Amex card<\/em><\/li>\n
  • Up to $100 in Saks Fifth Avenue statement credits each calendar year (up to $50 to use January through June and up to $50 to use July through December)<\/li>\n
  • Up to $240 each calendar year (up to $20 each month) in statement credits for eligible monthly subscriptions<\/li>\n
  • Up to $300 statement credit each calendar year for select Equinox memberships or a digital subscription to Equinox+ fitness app (subject to auto-renewal)<\/li>\n
  • Up to $155 each calendar year (up to $12.95 each month) in statement credits for one monthly Walmart+ membership (subject to auto-renewal); Plus Up Benefits not eligible<\/li>\n<\/ul>\n

    Enrollment is required for select benefits; terms apply.<\/p>\n<\/td>\n

\n
    \n
  • Up to $200 statement credit for airline fees per calendar year, which covers incidental charges<\/li>\n
  • Up to $209 statement credit each calendar year for a Clear Plus membership (subject to auto-renewal)<\/li>\n
  • Up to $200 annual Hilton statement credit (up to $50 per quarter)<\/li>\n
  • $120 fee credit for Global Entry every four years or up to $85 fee credit for TSA PreCheck every 4\u00bd years<\/li>\n
  • Up to $150 in statement credits on U.S. purchases made directly at Dell and an additional up to $1,000 statement credit after spending $5,000 or more at Dell each calendar year<\/li>\n
  • Up to $250 in statement credits after spending $600 or more on U.S. purchases made directly at Adobe each calendar year<\/li>\n
  • Up to $360 each calendar year in Indeed statement credits (up to $90 per quarter)<\/li>\n
  • Up to $120 each calendar year (up to $10 monthly) in statement credits for spending on wireless plans with U.S. providers<\/li>\n<\/ul>\n

    Enrollment is required for select benefits; terms apply.<\/p>\n<\/td>\n<\/tr>\n

Lounge access<\/strong><\/td>\nYes<\/td>\nYes<\/td>\n<\/tr>\n
Elite hotel status<\/strong><\/td>\n\n
    \n
  • Marriott Bonvoy Gold elite status<\/li>\n
  • Hilton Honors Gold status<\/li>\n<\/ul>\n

    Enrollment is required; terms apply.<\/span><\/p>\n<\/td>\n

\n
    \n
  • Marriott Bonvoy Gold elite status<\/li>\n
  • Hilton Honors Gold status<\/li>\n<\/ul>\n

    Enrollment is required; terms apply.<\/span><\/p>\n<\/td>\n<\/tr>\n

Other benefits<\/strong><\/td>\n\n\n