The Platinum Card® from American Express vs American Express Business Platinum

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Platinum is an excellent card for frequent travelers. How does it compare to American Express Business Platinum, a business and travel charge card? Read our comparison chart below.

Charge Card vs Credit Card: The Platinum Card® from American Express is a credit card for consumer while The Business Platinum Card® from American Express is a charge card for business. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

	The Platinum Card® from American Express	The Business Platinum Card® from American Express
		Read American Express Business Platinum Review
	Personal Credit Card	Business Charge Card

	Card Interest Rates & Fees
Purchase APR	See Pay Over Time APR	N/A
Balance Transfers APR	N/A	N/A
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$550 annual fee	$595 annual fee
	Terms Apply. See Rates & Fees
	Card Rewards & Benefits
Introductory Bonus Offer	Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.	Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
Travel Rewards	Travel Rewards	Travel Rewards
Airline Rewards	5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.	Get 5X Membership Rewards® points on flights on amextravel.com.
Bonus Airline Rewards		35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
Hotel Rewards	5X Membership Rewards points on prepaid hotels booked on amextravel.com.	Get 5X Membership Rewards® points on prepaid hotels on amextravel.com.
Point Rewards	1 point for virtually every dollar spent.	Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
Airline Status	$200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline. Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.	Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more. Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Hotel Status	Enroll for complimentary Marriott Bonvoy Gold Status. Enroll for complimentary Hilton Honors Gold Status. Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts® program at over 1,000 properties.	Enroll for complimentary Marriott Bonvoy Gold Status. Enroll for complimentary Hilton Honors Gold Status. Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property.
Airline Transfer Partners	Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.	Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	CreditDonkey® Card Reviews
Pros & Cons	Pros: Travel benefits 60,000 bonus points after you spend $5000 in first 3 months Concierge service Cons: $550 annual fee	Pros: Welcome Bonus Offer Airline Fee Credit Global Lounge Collection Concierge Service Cons: $595 annual fee
Bottom Line	Excellent card for frequent travelers... Read full review	Excellent business card for frequent travelers... Read full review
		Read American Express Business Platinum Review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Disclaimer: The information for the The Business Platinum Card® from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. American Express Business Platinum: Pricing information including interest rates, benefits and fees was obtained on July 7, 2020 from published websites and is believed to be accurate, but not guaranteed.

Which is Better: American Express Platinum or American Express Business Platinum?

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Articles on The Platinum Card® from American Express

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Articles on The Business Platinum Card® from American Express

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Comments

Steve from Indiana
on October 22, 2016 9:06 AM said about American Express Business Platinum:
Hands down American Express if you really use it a lot!
They keep on making it much better!

I was not a big fan before because I didn't use it much!
Once you start really using it in all ways possible it works even harder and better!
I love it!

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Compare American Express Platinum to:

American Express® Gold Card



Terms Apply \| Read Review \| See Rates & Fees
Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	See Pay Over Time APR
Annual Fee
$250

Chase Sapphire Preferred® Card


Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	15.99% - 22.99% Variable
Annual Fee
$95

Delta SkyMiles® Reserve American Express Card



Terms Apply \| See Rates & Fees
Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	15.74% - 24.74% Variable
Annual Fee
$550

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