Amex Business Platinum vs Amex Platinum
Amex Platinum edges Amex Business Platinum on year-1 math ($4,256 more value at 1.8¢/pt).
Quick verdict
Amex Platinum edges Amex Business Platinum on year-1 math ($4,256 more value at 1.8¢/pt)
Amex Business Platinum: $2,658 recurring credits + $0 welcome bonus − $895 AF = $1,763 net. Amex Platinum: $3,764 recurring credits + $3,150 welcome bonus − $895 AF = $6,019 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Amex Business Platinum | Amex Platinum | |
|---|---|---|
| Annual fee | $895 | $895 |
| Welcome bonus | — | 175,000 pts after $12,000 in 6mo |
| Welcome bonus value @ 1.8¢ | — | $3,150 |
| Free-night cert | — | — |
| Recurring credits / year | $2,658 | $3,764 |
| Year-1 net @ 1.8¢ | $1,763 | $6,019 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Amex Business Platinum
9 recurring credits
- Wireless Credit$10 · Monthly
- Indeed Credit$90 · Quarterly
- FHR/Hotel Collection$300 · Semi-annual
- Dell Technologies$75 · Semi-annual
- Priority Pass Select$469 · Annual
- Centurion Lounge access$300 · Annual
- Adobe Credit$250 · Annual
- CLEAR Plus$209 · Annual
- Hilton Credit$200 · Annual
Amex Platinum
14 recurring credits
- Digital Entertainment$25 · Monthly
- Uber Cash$15 · Monthly
- Walmart+ Membership$13 · Monthly
- Resy Credit$100 · Quarterly
- Lululemon Credit$75 · Quarterly
- Hotel Credit (FHR/Hotel Collection)$300 · Semi-annual
- Priority Pass Select$469 · Annual
- Equinox Credit$300 · Annual
- Centurion Lounge access$300 · Annual
- CLEAR Plus$209 · Annual
- Oura Ring Credit$200 · Annual
- Airline Fee Credit$200 · Annual
- Uber One Membership$120 · Annual
- Global Entry / TSA PreCheck$120 · Every 4 years
Pick Amex Business Platinum if
you prefer the American Express ecosystem (American Express portal, American Express transfer partners, American Express elite status path).
Pick Amex Platinum if
the recurring credits stack is richer ($3,764 vs $2,658); the welcome bonus pays more at 1.8¢/pt ($3,150 vs $0).