Amex Platinum UK vs Amex Business Platinum UK
Two Membership Rewards cards compared
Verified October 2026
The Amex Business Platinum UK (£450) undercuts the Amex Platinum UK (£650) on annual fee. Pick the Amex Platinum UK for everyday Amex Travel spending (2x); pick the Amex Business Platinum UK for everyday Travel spending (2x).
At a Glance
Platinum Card
- Annual Fee
- $650
- Signup Bonus
- 50,000 points
- Network
- American Express
- Points Currency
- Membership Rewards
- Earning Rates
-
Amex Travel 2xOther Purchases 1x
Business Platinum Card
- Annual Fee
- $450
- Signup Bonus
- 120,000 points
- Network
- American Express
- Points Currency
- Membership Rewards
- Earning Rates
-
Travel 2xOther Purchases 1xForeign Currency Transactions 2x
Category Breakdown
How they compare across key categories
Annual Fee
Amex Business Platinum Uk winsAmex Platinum UK £650 vs Amex Business Platinum UK £450
Welcome Bonus
Amex Business Platinum Uk winsAmex Platinum UK: 50,000 points after £6,000 in 3 months vs Amex Business Platinum UK: 120,000 points after £12,000 in 3 months
Top Earning Rate
TieAmex Platinum UK: 2x on Amex Travel vs Amex Business Platinum UK: 2x on Travel
Perks & Credits
Amex Platinum Uk winsAmex Platinum UK: 5 listed benefits vs Amex Business Platinum UK: 3 listed benefits
Transfer Partners
TieAmex Platinum UK: Avios vs Amex Business Platinum UK: Avios
Perks & Benefits
Platinum
- Global Dining Statement Credit (£200)
- Airport Lounge Access (£0)
- Worldwide Travel Insurance (£0)
- Car Rental Benefits (£0)
- Hotel Benefits (£0)
Business Platinum
- Airport Lounge Access (£0)
- Travel Accident Insurance (£0)
- Business Insurance (£0)
Which Is Right for You?
Get the Amex Platinum UK if...
- Premium benefits to offset the £650 fee
- Earns 2x on Amex Travel
- Global Dining Statement Credit (£200)
Get the Amex Business Platinum UK if...
- Lower £450 annual fee
- Earns 2x on Travel
- Earns 2x on Foreign Currency Transactions
- Airport Lounge Access (£0)
Frequently Asked Questions
Is the Amex Platinum UK or Amex Business Platinum UK better?
The Amex Business Platinum UK (£450) undercuts the Amex Platinum UK (£650) on annual fee. Pick the Amex Platinum UK for everyday Amex Travel spending (2x); pick the Amex Business Platinum UK for everyday Travel spending (2x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Amex Platinum UK or Amex Business Platinum UK?
The Amex Business Platinum UK has the lower annual fee at £450, versus £650 for the Amex Platinum UK.
Which card earns points faster?
The Amex Platinum UK earns up to 2x on Amex Travel, while the Amex Business Platinum UK earns up to 2x on Travel.
Can I have both the Amex Platinum UK and the Amex Business Platinum UK?
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 Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.