American Express Platinum vs Amex Business Platinum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
EXPRESS
Amex Business Platinum wins 2-1. US-incorporated startups with $50K+/year corporate spend. American Express Platinum is still the right call if heavy travelers wanting centurion lounge access + status credits..
Side-by-side
| Criterion | American Express Platinum | Amex Business Platinum |
|---|---|---|
| Annual fee | · $895 | $695 |
| Joining fee | = None | = None |
| Top reward rate | = 5% (travel) | = 5% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 80,000 Membership Rewards points after $8,000 in 6 months | = 150,000 Membership Rewards points after $20,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.6/5 | · 4.5/5 |
Benefits compared
American Express Platinum
- 5x points on flights booked direct or via amextravel
- Centurion Lounge + Priority Pass + Delta SkyClub access
- $200 annual airline fee credit + $200 Uber Cash
- $200 hotel credit + $189 CLEAR credit
- Marriott Bonvoy Gold + Hilton Honors Gold status
- No foreign transaction fees
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
FAQ
›American Express Platinum vs Amex Business Platinum: which is better?
Amex Business Platinum wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use American Express Platinum for its best categories, Amex Business Platinum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
American Express Platinum: 80,000 Membership Rewards points after $8,000 in 6 months. Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months.