Card comparison

Amex Platinum vs Amex Business Platinum

Two Membership Rewards cards compared

Verified July 2026

TL;DR — quick verdict

Both the Amex Platinum and Amex Business Platinum carry a $895 annual fee. Pick the Amex Platinum for everyday Prepaid hotels via Amex Travel spending (5x); pick the Amex Business Platinum for everyday Flights and hotels via Amex Travel spending (5x).

At a Glance

The Platinum Card from American Express

Annual Fee
$895
Signup Bonus
175,000 points
Network
Amex
Points Currency
Membership Rewards
Earning Rates
Other Purchases 1x
Prepaid Hotels Via Amex Travel 5x
Flights Booked Direct Or Via Amex Travel 5x

The Business Platinum Card from American Express

Annual Fee
$895
Signup Bonus
200,000 points
Network
Amex
Points Currency
Membership Rewards
Earning Rates
Software/Cloud 2x
Other Purchases 1x
Purchases $5,000+ 2x
Shipping Providers 2x
Construction/Hardware 2x
Electronics Retailers 2x
Flights And Hotels Via Amex Travel 5x

Category Breakdown

How they compare across key categories

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Annual Fee

Tie

Amex Platinum $895 vs Amex Business Platinum $895

Welcome Bonus

Amex Business Platinum wins

Amex Platinum: 175,000 points after $12,000 in 6 months vs Amex Business Platinum: 200,000 points after $20,000 in 3 months

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Top Earning Rate

Tie

Amex Platinum: 5x on Prepaid hotels via Amex Travel vs Amex Business Platinum: 5x on Flights and hotels via Amex Travel

Perks & Credits

Amex Platinum wins

Amex Platinum: 9 listed benefits vs Amex Business Platinum: 7 listed benefits

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Transfer Partners

Tie

Amex Platinum: 20+ airline and hotel partners vs Amex Business Platinum: 20+ airline and hotel partners

Perks & Benefits

The Platinum

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
  • Airline fee credit ($200)
  • Saks Fifth Avenue credit ($100)
  • Lululemon credit ($300)
  • Resy credit ($400)
  • Oura Ring credit ($200)
  • Global Entry/TSA PreCheck credit ($120)

The Business Platinum

  • Hotel credit ($600)
  • Dell credit ($1150)
  • Adobe credit ($250)
  • Wireless credit ($120)
  • Indeed credit ($360)
  • ChatGPT Business credit ($300)
  • Airline fee credit ($200)

Which Is Right for You?

Get the Amex Platinum if...

  • Earns 5x on Prepaid hotels via Amex Travel
  • Earns 5x on Flights booked direct or via Amex Travel
  • Hotel credit ($600)

Get the Amex Business Platinum if...

  • Earns 5x on Flights and hotels via Amex Travel
  • Earns 2x on Software/cloud
  • Hotel credit ($600)

Related Resources

Amex Points Value

What are Amex points worth?

Chase Points Value

What are Chase points worth?

Search Award Flights

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Frequently Asked Questions

Is the Amex Platinum or Amex Business Platinum better?

Both the Amex Platinum and Amex Business Platinum carry a $895 annual fee. Pick the Amex Platinum for everyday Prepaid hotels via Amex Travel spending (5x); pick the Amex Business Platinum for everyday Flights and hotels via Amex Travel spending (5x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

Which has the lower annual fee, the Amex Platinum or Amex Business Platinum?

Both cards have a $895 annual fee.

Which card earns points faster?

The Amex Platinum earns up to 5x on Prepaid hotels via Amex Travel, while the Amex Business Platinum earns up to 5x on Flights and hotels via Amex Travel.

Can I have both the Amex Platinum and the Amex Business Platinum?

Yes. They're issued independently, so you can hold both and earn Membership Rewards and Membership Rewards side by side.

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The Business Platinum Card from American Express

Business · Annual fee $895

US only

200,000 points

after $20,000 in 3 months

  • Hotel credit ($600)
  • Dell credit ($1150)
  • Adobe credit ($250)
Learn more & apply

American Express Business Gold Card

Business · Annual fee $375

US only

200,000 points

after $15,000 in 3 months

  • ChatGPT Business Statement Credit ($300)
  • FedEx, Grubhub and Office Supply Statement Credit ($240)
  • Walmart+ Statement Credit ($155)
Learn more & apply

The Platinum Card from American Express

Personal · Annual fee $895

US only

175,000 points

after $12,000 in 6 months

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
Learn more & apply

American Express Gold Card

Personal · Annual fee $250

US only

100,000 points

after $8,000 in 6 months

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)
Learn more & apply

Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

Chase Sapphire Reserve

Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.