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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.

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
Learn more
Learn more

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