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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.

Updated

Fact checked

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 $595 annually, offers a slightly more robust welcome offer and business expense management tools. On the other hand, The Platinum Card® from American Express costs $550 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

Rates & Fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Rates & Fees

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finder.com's 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

75,000 points after spending $15,000 in the first 3 months

60,000 points after spending $5,000 in your first 3 months

Rewards
Rewards

5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases

5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).

Purchase APR
Purchase APR

None (Charge Card)

Annual fee
Annual fee $595 $550
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 Charge Other
Learn more
Learn more

Summary of card features

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

  • Welcome offer. Spend $15,000 on purchases in your first 3 months of card membership and get 75,000 bonus points.
  • Membership rewards. Get 5x points on prepaid hotels and flights through Amex Travel and 1x points on everything else you buy. For purchases of 5,000 and more, you’ll get 1.5x points — up to 1 million points per year.
  • Global Lounge Collection. Get access to more than 1,200 airport lounges worldwide, including the Centurion Lounge, International American Express lounges and Delta Sky Club when flying Delta. To get access to Priority Pass Select, Airspace and Escape lounges, you’ll need to enroll first.

The Platinum Card® from American Express

The Platinum Card® from American Express

  • Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
  • You can use your points toward gift cards, travel rewards, statement credit and more. If you redeem these points for the highest valued rewards, you'll get 5% back. On all other eligible purchases, you'll earn 1x points.
  • Welcome offer. Get 60,000 membership rewards points after you spend $5,000 on purchases in the first 3 months of card membership. That's up to $1,200 worth of rewards when transferred to travel partners.
  • Airline fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases.

Compare credit cards

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
CardMatch™ from creditcards.com
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Luxury Card Mastercard® Gold Card™
1x points on all purchases with 2% point value when you redeem for airfare or cash back
14.99% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
0% intro for the first 12 months (then 12.9% to 22.9% variable)
$0
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
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Compare American Express credit cards

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