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The Business Platinum Card® from American Express vs. The Platinum Card® from American Express

Two premium travel options, one for businesses and one for individuals.

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Megan Horner
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These are two versions of the same card with mostly similar features. The main difference is that The Business Platinum Card® from American Express costs $695 annually, offers a slightly more robust welcome offer and business expense management tools. On the other hand, The Platinum Card® from American Express costs $695 (Terms apply, see rates & fees) annually and the welcome offer is easier to earn.

Read more about these cards perks and features in the table below.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Terms apply, see rates & fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Luxury travel benefits for your business
  • Excellent travel rewards
Welcome offer
Welcome offer

120,000 points after spending $15,000 in the first 3 months

100,000 points after spending $6,000 in your first 6 months
Rewards
Rewards

5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
1.5 X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million per calendar year.

5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases
Purchase APR
Purchase APR

See Pay Over Time APR

Annual fee
Annual fee $695 $695
Cash advance
Cash advance N/A

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $175
Interest-free period
Interest-free period None 25 days
Minimum credit score
Minimum credit score 670 670
Card type
Card type Other Other
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