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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.

The winner for consumers: The Platinum Card® from American Express

Up to $7,000

In welcome offer value

  • Biggest welcome offer on the market: Valued up to $7,000
  • 10x points at restaurants and US Shop Small vendors on up to $25,000 combined in the first 6 months
Apply now
Terms apply, see rates & fees
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 $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, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe

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

10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 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 purchases

Purchase APR
Purchase APR

See Pay Over Time APR

Annual fee
Annual fee $595 $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

Read review

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

Name Product Welcome offer Rewards Annual fee Filter values
The Business Platinum Card® from American Express
120,000 points after spending $15,000 in the first 3 months
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
$595
Earn 120,000 points after spending $15,000 on purchases in the first 3 months from account opening. Rates & fees
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 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 purchases
$695

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
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