Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.
Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the The Platinum Card from Amex from American Express at $895/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
For most people the The Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($800 more in estimated value) than the The Business Platinum Card from Amex's. Get the The Platinum Card from Amex first; revisit the The Business Platinum Card from Amex after you've earned that bonus.
| Feature | The Business Platinum Card from Amex | The Platinum Card from Amex |
|---|---|---|
| Annual fee | $895 | $895 |
| Sign-up bonus | 150,000 Membership Rewards points | 175,000 points |
| Bonus value (est.) | $2,700 | $3,500 |
| Min spend to unlock bonus | $20,000 in 3 mo | $12,000 in 6 mo |
| Issuer | American Express | American Express |
| Card category | business | travel |
| Best earning category (Flights_hotels_amextravel) | 5x | 1x |
| Transfer partners | amex-mr | amex-mr |
| Headline benefits |
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Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.
The granddaddy of premium cards with Centurion Lounge access, hotel elite status, and a mountain of credits. The $895 fee stings, but if you use even half the credits, you come out ahead.
TL;DR. Personal versus business Platinum at the same $895 fee. Personal Platinum has Saks, digital entertainment, Walmart+, CLEAR, and broad consumer credits. Business Platinum has Dell, Indeed, Adobe, and Walmart+ credits. The business version earns 1.5x on purchases over $5k (unique). Same Centurion Lounge access. Pick based on whether your spend is personal or business.
The three dimensions that actually decide it. First, credit category alignment. Personal credits (Saks, Walmart+, Equinox-equivalent) are consumer-facing. Business credits (Dell, Indeed, Adobe) are SMB-facing. Match to your actual spend. Second, 1.5x on $5k+ purchases. Business has this; personal does not. Useful for businesses that drop $5k+ on equipment or software annually. Third, welcome offer. Both currently 150-175k MR on $8k-$20k spend. Check both before applying.
Real customer scenario for each. If you run an agency and spend on Dell hardware, Indeed job postings, and Adobe Creative Cloud, Business Platinum's credits genuinely net out. If instead you are a consumer who shops at Saks and uses CLEAR, personal Platinum is the better fit.
The trap to avoid. Holding both. The Centurion Lounge access does not stack. You are paying $1,790 a year in combined fees for one set of perks. Pick one tier.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.
