Amex Platinum vs Amex Business Platinum
Two Membership Rewards cards compared
Verified October 2026
Both the Amex Platinum and Amex Business Platinum carry a $895 annual fee. Pick the Amex Platinum for everyday flights purchased directly from airlines or via Amex Travel spending (5x); pick the Amex Business Platinum for everyday Flights booked on AmexTravel.com spending (5x).
At a Glance
The Platinum Card from American Express
- Annual Fee
- $895
- Signup Bonus
- 175,000 points
- Network
- American Express
- Points Currency
- Membership Rewards
- Earning Rates
-
All Other Purchases 1xFlights Purchased Directly From Airlines Or Via Amex Travel 5x
The Business Platinum Card from American Express
- Annual Fee
- $895
- Signup Bonus
- 0 points
- Network
- American Express
- Points Currency
- Membership Rewards
- Earning Rates
-
Key Business Purchases 2xOther Eligible Purchases 1xFlights Booked On Amex Travel.Com 5x
Category Breakdown
How they compare across key categories
Annual Fee
TieAmex Platinum $895 vs Amex Business Platinum $895
Welcome Bonus
Amex Platinum winsAmex Platinum: 175,000 points after $12,000 in 6 months vs Amex Business Platinum: 0 points after $0 in 0 months
Top Earning Rate
TieAmex Platinum: 5x on flights purchased directly from airlines or via Amex Travel vs Amex Business Platinum: 5x on Flights booked on AmexTravel.com
Perks & Credits
Amex Business Platinum winsAmex Platinum: 3 listed benefits vs Amex Business Platinum: 6 listed benefits
Transfer Partners
TieAmex Platinum: 20+ airline and hotel partners vs Amex Business Platinum: 20+ airline and hotel partners
Perks & Benefits
The Platinum
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
The Business Platinum
- Statement credits for Fine Hotels + Resorts ($600)
- Global Lounge Collection Access ($850)
- Hilton for Business ($200)
- Airline Fee Credit ($200)
- CLEAR® Plus Membership ($209)
- Global Entry or TSA PreCheck Credit ($120)
Which Is Right for You?
Get the Amex Platinum if...
- Earns 5x on flights purchased directly from airlines or via Amex Travel
- Airline incidentals credit ($200)
Get the Amex Business Platinum if...
- Earns 5x on Flights booked on AmexTravel.com
- Earns 2x on Key Business Purchases
- Statement credits for Fine Hotels + Resorts ($600)
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 flights purchased directly from airlines or via Amex Travel spending (5x); pick the Amex Business Platinum for everyday Flights booked on AmexTravel.com 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 flights purchased directly from airlines or via Amex Travel, while the Amex Business Platinum earns up to 5x on Flights booked on AmexTravel.com.
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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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
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.