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The Business Platinum Card® from American Express vs The Platinum Card® from American Express
This comparison aims to help users decide between the The Business Platinum Card® from American Express and the The Platinum Card® from American Express. Both cards offer premium benefits, but they cater to different needs and spending habits.
The Business Platinum Card® from American Express
The Business Platinum Card® is tailored for business owners who travel frequently and want to maximize their rewards on business-related expenses. It provides a variety of travel perks, lounge access, and substantial rewards on select purchases.
The Platinum Card® from American Express
The Platinum Card® is designed for individuals who prioritize luxury travel and premium lifestyle benefits. It offers extensive rewards for travel bookings, exclusive access to lounges, and a range of credits for entertainment and travel-related expenses.
Detailed Feature Comparison
| Feature | The Business Platinum Card® | The Platinum Card® |
|---|---|---|
| Annual Fee | $695 | $695 |
| Welcome Bonus | 150,000 Membership Rewards® points after spending $20,000 in 3 months | 80,000 Membership Rewards® Points after spending $8,000 in 6 months |
| Rewards Structure | 5X on flights, prepaid hotels, short-term rentals booked at AmexTravel.com; 1.5X on eligible purchases in specific categories; 1X on other purchases | 5X on flights booked directly with airlines or Amex Travel; 5X on prepaid hotels booked with Amex Travel; 1X on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Terms Apply | Terms Apply |
| Additional Benefits | Global Lounge Collection access, $200 Airline Fee Credit, $199 CLEAR® Plus Credit, and more | Global Lounge Collection access, $200 Hotel Credit, $240 Digital Entertainment Credit, and more |
Rewards Highlights
The Business Platinum Card® from American Express
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
- Earn 1.5X points on eligible purchases at US construction material, hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Earn 1X points on other eligible purchases.
The Platinum Card® from American Express
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
- Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Pros and Cons
The Business Platinum Card® from American Express
- Pros:
- High rewards rate on business-related purchases.
- Extensive airport lounge access.
- Multiple statement credits available for business expenses.
- Cons:
- High annual fee.
- More beneficial for frequent business travelers.
The Platinum Card® from American Express
- Pros:
- Generous rewards on travel bookings.
- Access to premium travel and lifestyle benefits.
- Multiple statement credits for entertainment and travel.
- Cons:
- High annual fee.
- May not provide as much value for non-travelers.
Who Should Consider Which Card?
- The Business Platinum Card® from American Express is ideal for:
- Business owners who frequently travel for work.
- Those looking to maximize rewards on business expenses.
- Individuals who can benefit from extensive travel credits.
- The Platinum Card® from American Express is suited for:
- Frequent travelers seeking luxury and convenience.
- Those who enjoy a variety of lifestyle credits and perks.
- Individuals who prioritize rewards on personal travel bookings.
Conclusion
In conclusion, both the The Business Platinum Card® from American Express and the The Platinum Card® from American Express offer excellent benefits. Your choice should depend on your individual spending habits and financial goals, particularly whether you prioritize business expenses or personal travel experiences.