Editorial take: The Platinum Card from Amex
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.
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Side-by-side
The Platinum Card from Amex vs US Bank Business Platinum Card
Both are well-respected travel cards. The The Platinum Card from Amex comes from American Express at $895/yr; the US Bank Business Platinum Card from U.S. Bank at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the The Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($3,500 more in estimated value) than the US Bank Business Platinum Card's. Get the The Platinum Card from Amex first; revisit the US Bank Business Platinum Card after you've earned that bonus.
| Feature | The Platinum Card from Amex | US Bank Business Platinum Card |
|---|---|---|
| Annual fee | $895 | $0 |
| Sign-up bonus | 175,000 points | |
| Bonus value (est.) | $3,500 | - |
| Min spend to unlock bonus | $12,000 in 6 mo | - |
| Issuer | American Express | U.S. Bank |
| Card category | travel | business |
| Best earning category (Flights) | 5x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
The Platinum Card from Amex
$895/yr · 175,000 points
Read the full review
US Bank Business Platinum Card
$0/yr ·
Editorial take: US Bank Business Platinum Card
Common questions
- Which card has the bigger sign-up bonus, The Platinum Card from Amex or US Bank Business Platinum Card?
- The The Platinum Card from Amex has a public bonus (175,000 points, worth roughly $3,500), while the US Bank Business Platinum Card doesn't advertise one right now.
- Is the The Platinum Card from Amex's $895 annual fee worth it compared to the US Bank Business Platinum Card?
- Premium cards like the The 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 US Bank Business Platinum Card at $0/yr trades some perks for a lower commitment.
- Can I have both the The Platinum Card from Amex and US Bank Business Platinum Card?
- Yes, since they're from different issuers (American Express and U.S. Bank) 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 Platinum Card from Amex or the US Bank Business Platinum Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. The Platinum Card from Amex: $12,000 spend in 6 months. US Bank Business Platinum Card: no published min spend. 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.