Premium playing cards have developed over the previous a number of years to draw and retain clients.
Two high playing cards for premium journey and life-style advantages are The Platinum Card® from American Categorical and The Enterprise Platinum Card® from American Categorical.
These playing cards have been each refreshed, including new advantages and assertion credit and a brand new restricted version mirror version card design. Sadly, each playing cards did see a 29% annual payment enhance to $895 per yr (see charges and costs for the Amex Platinum and charges and costs for the Amex Enterprise Platinum).
Though each playing cards have some overlapping advantages, share switch companions and earn Membership Rewards factors, there are necessary variations to think about when deciding which one is best for you.
Let’s examine the Amex Platinum vs. the Amex Enterprise Platinum to see which is finest on your pockets.
Amex Platinum vs. Amex Enterprise Platinum comparability
Earlier than we dive into extra particulars, here is a comparability of the 2 playing cards’ welcome provides, incomes charges, main perks and out there credit for cardmembers.
| Profit/perk | Amex Platinum Card | Amex Enterprise Platinum Card |
|---|---|---|
| Welcome provide | Discover out your provide and see if you’re eligible for as excessive as 175,000 bonus factors after spending $8,000 on purchases throughout the first six months of card membership. Welcome provides fluctuate, and also you is probably not eligible for a proposal. | Earn 200,000 bonus factors after spending $20,000 on eligible purchases within the first three months of card membership. |
| Annual payment | $895 | $895 |
| Incomes charges |
|
|
| Assertion credit |
Enrollment is required for choose advantages
|
Enrollment is required for choose advantages |
| Lounge entry | Sure | Sure |
| Elite lodge standing |
Enrollment is required |
Enrollment is required |
| Different advantages |
|
|
^Denotes a brand new or enhanced profit
Amex Platinum vs. Amex Enterprise Platinum welcome provide
Every card comes with a beneficiant welcome provide, however the minimal spend required to earn the bonus is the place they actually differ.
Potential Amex Platinum cardmembers can apply and discover out their provide and see if they’re eligible for as excessive as 175,000 bonus factors after spending $8,000 on purchases throughout the first six months of card membership — so a mean of simply over $1,333 monthly.
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Nevertheless, the Enterprise Platinum requires a a lot steeper minimal spend of $20,000 throughout the first three months to earn its 200,000-point bonus. This requires spending a mean of $6,667 monthly to earn the bonus factors.
Based mostly on TPG’s September 2025 valuations, Membership Rewards factors are price 2 cents every. That makes the Amex Platinum’s welcome bonus price as much as $3,500. In distinction, the Amex Enterprise Platinum’s bonus is price $4,000.
Nevertheless, it is necessary to notice that attributable to Amex’s once-in-a-lifetime rule, you is probably not eligible for a welcome provide with both card. In case you have or have held one in all these playing cards previously, you is probably not eligible to obtain a welcome provide on it once more.
Winner: Enterprise Platinum, as its welcome provide is larger, albeit with a a lot larger minimal spending requirement.
Amex Platinum vs. Amex Enterprise Platinum advantages
Each of those playing cards excel on the subject of journey and life-style perks.
Advantages supplied to each playing cards
- Pay as you go lodge reserving credit score: As much as $600 assertion credit score every calendar yr (allotted as much as $300 semi-annually) on pay as you go bookings at Fantastic Inns + Resorts or The Lodge Assortment properties made by American Categorical Journey (minimal two-night keep requirement for The Lodge Assortment)
- Clear Assertion credit score: As much as $209 assertion credit score for a Clear Plus membership every calendar yr for each playing cards (topic to auto-renewal)
- Airline payment credit score: As much as $200 assertion credit score for airline charges per calendar yr, which covers baggage charges in addition to different incidental costs together with your most popular airline
- World Entry/TSA PreCheck credit score: $120 utility payment credit score for both World Entry each 4 years or as much as $85 utility payment credit score for TSA PreCheck each 4½ years
- Lodge elite standing: Complimentary Gold standing with Hilton Honors, Marriott Bonvoy and Leaders Membership Sterling standing from The Main Inns of the World
- Rental automobile elite standing: Complimentary Hertz Gold Plus Rewards President’s Circle standing, Avis Most popular Plus standing and Nationwide Emerald Membership Government standing
- Luxurious lodge packages: Entry to Amex’s Amex Fantastic Inns + Resorts program and American Categorical Lodge Assortment (minimal two-night keep requirement for the Lodge Assortment)
- Unequalled lounge entry: Cardmembers obtain entry to the American Categorical World Lounge Assortment, together with Centurion Lounges, Delta Sky Golf equipment when flying same-day Delta flights**, Aspire, Escape, Plaza Premium, Precedence Go™ and choose Lufthansa lounges. Entry is restricted to eligible cardmembers.
- Procuring and journey protections: Varied journey and buying protections, like journey delay protection* and cellphone safety*
- Entry to Platinum nights by Resy in Los Angeles, Miami and New York
Enrollment is required for choose advantages.
*Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
**Eligible Platinum card members will obtain 10 Visits per Eligible Platinum Card per yr to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight. Cardm
Client Amex Platinum advantages
The buyer Amex Platinum provides these unique perks (enrollment is required for choose advantages):
- Uber credit score: As much as $200 in Uber Money every calendar yr for Uber rides or Uber Eats orders within the U.S. (As much as $15 in Uber Money every month with an extra as much as $20 for December should add your card as a fee methodology in your Uber account; redeem with any Amex card)
- Uber One credit score: As much as a $120 assertion credit score that absolutely covers an auto-renewing $96 annual or $9.99 month-to-month membership
- Oura credit score: As much as $200 per calendar yr in Oura assertion credit score (can solely be used on {hardware} purchases)
- Lululemon credit score: As much as $300 per calendar in Lululemon assertion credit score (as much as $75 per quarter) for U.S. retailer purchases (excluding retailers) and on-line
- Saks Fifth Avenue credit score: As much as $100 every calendar yr in Saks Fifth Avenue assertion credit (as much as $50 to make use of semi-annually)
- Resy: Obtain as much as a $400 annual Resy credit score (distributed as as much as $100 in assertion credit per quarter). Merely pay together with your Amex Platinum at an eligible Resy restaurant; no reservation is required. It’s possible you’ll use this credit score with out even realizing it
- Digital leisure credit score: As much as $300 every calendar yr for subscriptions to eligible subscription companies (as much as $25 in month-to-month assertion credit)
- Equinox credit score: As much as $300 annual assertion credit score for choose Equinox memberships or a digital subscription to Equinox+ health app (topic to auto-renewal)
- SoulCycle: As much as $300 in assertion credit per calendar yr towards the acquisition of a SoulCycle bike (as much as 15 bikes per calendar yr); should be enrolled in an Equinox+ membership to be eligible for this profit
- Walmart+ membership credit score: As much as $155 every calendar yr for one Walmart+ membership (as much as $12.95 plus taxes in month-to-month assertion credit; topic to auto-renewal); Plus Up Advantages not eligible
As you may see, this may ship a ton of worth, particularly when you already use a few of the eligible companies.
Associated: 10 issues to do while you get the Amex Platinum
Enterprise Platinum advantages
In the meantime, the Enterprise Platinum card has the next unique perks (enrollment is required for choose advantages):
- 35% airline factors bonus: Obtain 35% of your factors again (as much as 1 million per calendar yr) when paying with factors for flights booked with Amex Journey in your designated airline (chosen airline should be the identical because the Airline payment credit score)
- Dell assertion credit score: As much as $150 in assertion credit on U.S. purchases made instantly at Dell and an extra as much as $1,000 assertion credit score after spending $5,000 or extra at Dell every calendar yr
- Adobe assertion credit score: As much as $250 in assertion credit after spending $600 or extra on U.S. purchases made instantly at Adobe every calendar yr (topic to auto-renewal)
- Certainly assertion credit: As much as $360 every calendar yr in Certainly assertion credit (as much as $90 per quarter)
- Month-to-month wi-fi credit: As much as $120 every calendar yr (as much as $10 month-to-month) in assertion credit for spending on wi-fi plans with U.S. suppliers
- Hilton assertion credit score: As much as $200 per calendar yr in assertion credit on Hilton purchases, given as as much as $50 per quarter (separate enrollment in Hilton for Enterprise required)
Winner: Tie. Every card provides assertion credit that may present worth based mostly on the companies a person or enterprise might use.
Associated: Have an Amex Enterprise Platinum card? Remember to register for these perks
Incomes factors with the Amex Platinum vs. Amex Enterprise Platinum
The Amex Platinum earns:
- 5 factors per greenback spent on flights booked instantly with airways or by way of American Categorical Journey (on as much as $500,000 of those purchases per calendar yr, then 1 level per greenback) (10% return based mostly on TPG’s valuations)
- 5 factors per greenback spent on pay as you go inns booked with Amex Journey (10%)
- 1 level per greenback spent on different purchases (2%)
However, the Amex Enterprise Platinum earns:
- 5 factors per greenback spent on flights and pay as you go inns booked with Amex Journey (10%)
- 2 factors per greenback spent on purchases of $5,000 or extra and in choose enterprise classes within the U.S. (development materials and {hardware} suppliers, electronics items retailers, software program and cloud system suppliers and delivery suppliers) on as much as $2 million of purchases in a calendar yr, then 1 level per greenback (4%)
- 1 level per greenback spent on different purchases (2%)
Each playing cards earn 5 factors per greenback while you buy airfare and pay as you go lodge rooms from Amex Journey. Nevertheless, the private Amex Platinum additionally earns 5 factors per greenback on airfare bought instantly with airways.
As a enterprise Platinum cardholder, TPG bank cards author Chris Nelson is disenchanted that the bonus class for inns and flights continues to be restricted to these booked by Amex Journey. He finds {that a} bit restrictive, and thinks this ought to be opened to flights and inns booked instantly as nicely.
One draw back is that the Amex Platinum’s bonus-earning on airfare is restricted to the primary $500,000 spent every calendar yr (then 1 level per greenback), nevertheless it’s unlikely that almost all cardmembers will spend this a lot in a yr.
The Enterprise Platinum card is nice for enterprise house owners who recurrently make massive purchases with the cardboard since purchases of at the least $5,000 and in choose enterprise classes earn 2 factors per greenback (on as much as $2 million of those purchases per yr, then 1 level per greenback).
Winner: Tie. Which card’s incomes classes are higher is dependent upon your spending habits and whether or not you are recurrently spending $5,000 or extra on purchases.
Associated: Who ought to (and should not) get the American Categorical Platinum?
Redeeming factors on the Amex Platinum vs. Amex Enterprise Platinum
With 20 switch companions, Membership Rewards factors from these playing cards may help you journey to only about wherever on this planet.
One profit that is unique to the Enterprise Platinum card is that while you ebook a qualifying flight instantly with factors by Amex Journey in your preselected airline, you may obtain 35% of the factors you used again (as much as 1 million factors again annually).
Apart from journey, Membership Rewards factors might be redeemed for reward playing cards, to pay for purchases at Amazon.com and for assertion credit. We all the time suggest redeeming your factors for journey to get essentially the most worth out of them.
Winner: Amex Enterprise Platinum. Whereas each playing cards have equivalent redemption choices, the Amex Enterprise Platinum provides 35% of your factors again on eligible flights (as much as 1 million factors again per calendar yr).
Associated: 7 causes you may want the Amex Enterprise Platinum Card as an alternative of the Amex Platinum Card
Transferring factors with the Amex Platinum vs. Amex Enterprise Platinum
Each the Amex Platinum and Amex Enterprise Platinum share entry to the identical 20 lodge and airline companions.
Some profitable switch companions that supply nice redemption choices embrace Air Canada Aeroplan, Air France-KLM Flying Blue and Singapore Airways KrisFlyer.
TPG bank cards author Danyal Ahmed transferred 20,000 factors from his Amex Platinum to Aeroplan to ebook a lie-flat enterprise class intra-Europe flight on Turkish Airways from London to Istanbul. This was a implausible deal; given the money fare was $1,236, he obtained a worth of over 6 cents per level, far larger than TPG’s valuation of two cents per level for Membership Rewards factors.
Winner: Tie, each playing cards share the identical switch companions.
Associated: The facility of the Amex Trifecta: Platinum, Gold and Blue Enterprise Plus
Ought to I get the Amex Platinum or Amex Enterprise Platinum?
For those who’re on the lookout for a premium card loaded with journey perks and haven’t got a enterprise or the substantial bills that include one, the private Amex Platinum ought to suffice. Nevertheless, when you spend rather a lot on enterprise bills and might reap the benefits of its business-related assertion credit, the Amex Enterprise Platinum is the way in which to go.
Backside line
These on the lookout for premium perks are sometimes drawn to the American Categorical Platinum playing cards — whether or not private or enterprise — since they provide quite a few perks at dwelling and on the street.
Options like lounge entry, journey protections and intensely priceless factors are just some of the points of interest. It could make sense to have each in your pockets, however guarantee your skilled and private spending habits make each annual charges price it.
To study extra, learn our full critiques of the Amex Platinum and Amex Enterprise Platinum.
Apply right here: Amex Platinum
Apply right here: Amex Enterprise Platinum
For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Amex Enterprise Platinum, click on right here.
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