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The Business Platinum Card from Amex vs Mastercard Black Card

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the Mastercard Black Card from Barclays (Luxury Card) at $699/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($2,700 more in estimated value) than the Mastercard Black Card's. Get the The Business Platinum Card from Amex first; revisit the Mastercard Black Card after you've earned that bonus.

FeatureThe Business Platinum Card from AmexMastercard Black Card
Annual fee$895$699
Sign-up bonus150,000 Membership Rewards pointsNo public welcome offer
Bonus value (est.)$2,700$0
Min spend to unlock bonus$20,000 in 3 mo$0 in 0 mo
IssuerAmerican ExpressBarclays (Luxury Card)
Card categorybusinesstravel
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
  • $200 airline credit
  • $100 dining credit
  • Priority Pass Select
  • 1.5cpp cash back, 2cpp airfare
Read the full review
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
Mastercard Black Card
$699/yr · No public welcome offer

Editorial take: The Business Platinum Card from Amex

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.

Editorial take: Mastercard Black Card

The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.

Common questions

Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or Mastercard Black Card?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus No public welcome offer (~$0) on the Mastercard Black Card.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Mastercard Black Card?
Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The Mastercard Black Card at $699/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex and Mastercard Black Card?
Yes, since they're from different issuers (American Express and Barclays (Luxury Card)) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the The Business Platinum Card from Amex or the Mastercard Black Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 spend in 3 months. Mastercard Black Card: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

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.