This could be one of the best Amex card combo: Amex Gold and Amex Enterprise Platinum

Given how fluid factors and miles applications might be, we regularly advise in favor of diversifying the kinds of journey rewards you earn. In spite of everything, you wouldn’t need to spend years saving up rewards factors solely to see that dream flight or night time slip out of attain when a program all of a sudden devalues (or eliminates) its award chart.

Nonetheless, it’s generally a good suggestion double down with a particular rewards program – particularly if it’s one the place the factors are transferable to a variety of completely different airways and resorts. And it will possibly make much more sense when a number of of the playing cards that earns these factors is posting a very excessive welcome bonus.

One such program is American Categorical Membership Rewards. Not solely do these factors switch to Amex’s airline and resort loyalty companions, however they’re additionally redeemable in any variety of different methods. Plus, the playing cards that take part in this system are additionally among the finest within the rewards house.

Amongst them, The Enterprise Platinum Card® from American Categorical and the American Categorical® Gold Card are presently providing phenomenal, introductory welcome provides that may have you ever contemplating whether or not to use for one, the opposite, or each.

In reality, pairing the Amex Enterprise Platinum and Amex Gold playing cards could be one of the best Amex card duo potential, because of their extremely complementary incomes buildings and advantages packages.

By carrying each and utilizing them for various functions, you may rake in much more factors, even sooner, whereas having fun with all the advantages the Amex Enterprise Platinum confers and the Amex Gold’s stellar incomes charges.

Listed here are among the causes you may need to preserve each in your pockets.

Associated: The ability of the Amex trifecta: Platinum, Gold and Blue Enterprise Plus® Credit score Card from American Categorical

Two playing cards, two bonuses

Let’s get the awkward half out of the way in which. Each playing cards cost fairly excessive annual charges – $695 for the Amex Enterprise Platinum (see charges and costs) and $250 for the Amex Gold (see charges and costs). That’s as much as $945 in charges every year, which is fairly pricey — however might be offset by these playing cards’ introductory provides, among the finest we have ever seen.

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The Amex Enterprise Platinum has a TPG-exclusive welcome provide that permits you to earn as much as 150,000 bonus factors by spending $15,000 on purchases within the first three months of card membership. Get the Amex Gold and spend $4,000 within the first six months of card membership, and also you earn one other 60,000 bonus factors.

With out even taking their bonus spending classes under consideration, you’d be taking a look at an general factors haul of no less than 210,000 Amex Membership Rewards factors by hitting these necessities. TPG presently values Amex factors at 2 cents apiece, in order that’s round $4,000 in worth – although probably way more, relying on the way you redeem them.

Associated: Every thing it’s good to find out about Amex Membership Rewards

Certain, that’s some huge cash to put out, however if you happen to’re strategic and have some work and private bills developing which you can leverage to satisfy a brand new card’s minimal spending requirement, this might be a superb one-two choice.

Another excuse you may need to think about making use of for these two playing cards, particularly, is that if you have already got, and even if you happen to had previously however have subsequently closed one other Amex product. As an illustration, if you happen to presently carry The Platinum Card® from American Categorical or the American Categorical® Enterprise Gold Card, or had it previously and closed it, you could be ineligible to earn its welcome provide once more per Amex’s software eligibility guidelines. When you haven’t had the Amex Gold Card or the Amex Enterprise Platinum, although, these two playing cards might be a few of your finest bets to maintain on accruing Amex factors at a wholesome clip.

Associated: Card showdown: Amex Enterprise Gold vs. Amex Enterprise Platinum

Hold issues skilled

Talking of card combos, there are various nice the reason why you may need to get each a private and enterprise card. Doing so will help you separate your work and private bills. Placing increased, work-related spending on a enterprise card can preserve that exercise off your private credit score report – which might, in flip, assist elevate your private credit score rating by reducing your debt-to-credit utilization ratio.

The Amex Enterprise Platinum’s business-related assertion credit and particular incomes charges (see under) are two extra nice causes to place your work-related spending on that card as a substitute of a private one. Then you may designate the Amex Gold Card for extra on a regular basis issues like groceries and eating bills.

Incomes overdrive

One of many largest promoting factors to getting each the Amex Enterprise Platinum and the Amex Gold Card is how one can combine and match their bonus incomes alternatives to maximise your on a regular basis spending.

Use the Amex Gold Card to rack up 4 factors per greenback on eating at eating places and groceries at U.S. supermarkets (on as much as $25,000 a yr, then 1 level per greenback), plus 3 factors per greenback on flights booked instantly with airways or on

Use the Amex Enterprise Platinum for five factors per greenback on flights and pay as you go resorts on, plus 1.5 factors per greenback on eligible purchases at U.S. building materials and {hardware} suppliers; digital items retailers and software program & cloud system suppliers; delivery suppliers; and on every eligible buy of $5,000 or extra in all places else (as much as $2 million per calendar yr whole).


Associated: Use these playing cards to maximise massive purchases

To get a bit extra granular, if you happen to are likely to e book airline tickets instantly with airways, you may proceed doing so with the Amex Gold Card because it earns 3 factors per greenback whether or not you employ it to pay by means of the airline or Amex Journey.

Nonetheless, if you happen to can shift extra of your journey bookings to Amex Journey, you may leverage the Amex Enterprise Platinum’s 5 factors per greenback incomes price not simply on airfare but additionally on pay as you go resorts.

You’ll be able to e book resorts by means of Amex’s Lodge Assortment with both card. The Amex Gold Card earns 2 factors per greenback on these bookings, whereas the Amex Enterprise Platinum earns 5 factors per greenback. Nonetheless, with the Amex Enterprise Platinum, you even have entry to even higher-end properties and extra priceless perks by means of Amex Tremendous Resorts & Resorts.

Associated: Every thing it’s good to find out about The Lodge Assortment, an under-the-radar Amex Gold perk

Stretch your factors additional

Amex has a Pay with Factors function, the place you may redeem Membership Rewards for reservations made instantly by means of Amex Journey. You get 1 cent per level towards flights, and fewer than that for different kinds of bookings, akin to resort stays.

Nonetheless, Amex Enterprise Platinum cardmembers obtain a 35% rebate utilizing Pay with Factors in two circumstances:

  • For a first- or business-class ticket on any airline.
  • For a ticket in any cabin on the identical airline they designate for his or her annual as much as $200 airline payment credit score.

This profit is capped at 1 million rebated factors per calendar yr (so that you’d must redeem round 2.86 million factors to max it out). Through the use of factors out of your Amex Enterprise Platinum account and receiving that 35% rebate, you mechanically up your factors from 1 cent apiece to 1.54 cents – a 54% premium.


Whereas Pay with Factors isn’t for everybody, there are a number of nice causes to make use of it. First, you get a stable worth of 1 cent per level redeemed this manner (or extra with the Amex Enterprise Platinum). Second, you don’t have to fret about switch companions or occasions or award availability with a selected airline. Lastly, whenever you redeem through Pay with Factors, it’s principally like paying money in your ticket, so you continue to earn elite miles and credit score in your journey.

Associated: Find out how to determine whether or not to make use of money or miles for airline tickets

Assertion credit galore

The ultimate cause for carrying each the Amex Enterprise Platinum and the Amex Gold Card is to stack their varied assertion credit.

The Amex Gold Card supplies as much as $10 per thirty days in Uber credit towards both rides or Uber Eats orders within the U.S., plus an extra $10 per thirty days in eating credit as enumerated above for a possible whole of $240 in assertion credit every year. When you use the cardboard to make a The Lodge Assortment reserving of two nights or extra, you get a $100 onsite credit score for qualifying actions. Enrollment required for choose advantages.

Associated: Find out how to use Amex Gold’s new $10 month-to-month Uber credit score

For its half, the Amex Enterprise Platinum comes with a plethora of assertion credit. Amongst these to look out for are as much as $400 per yr in assertion credit towards Dell purchases, as much as $360 per yr with Certainly, as much as $150 per yr with Adobe and as much as $120 towards wi-fi cellphone payments. For enterprise vacationers, the cardboard additionally comes with as much as $200 in annual airline incidental payment credit, as much as $189 yearly for a Clear membership, and as much as $100 towards World Entry or TSA PreCheck periodically. Enrollment required for choose advantages.


Maximize all these assertion credit from each playing cards within the first yr, and also you’re taking a look at nearly $2,000 in potential worth. What’s extra, none of those assertion credit overlap from card to card, so that you don’t sacrifice something by carrying them each.

Different advantages

Whereas the Amex Gold Card is brief on different perks, the Amex Enterprise Platinum contains much more advantages.

Associated: The completely different flavors of Amex Platinum – which one is best for you?

These embody benefits like entry to numerous airport lounges – Amex Centurion Lounges, Delta Sky Golf equipment, and Precedence Move lounges amongst them – plus the power to register for Gold elite standing with each Marriott and Hilton. Cardholders additionally get elite standing with varied rental automotive companies, plus the Worldwide Airline Program reductions for folk who fly premium cabins. Enrollment required for choose advantages.


Associated: 8 issues to do whenever you get the American Categorical Enterprise Platinum Card

Incomes apart, these advantages alone could make carrying the Amex Enterprise Platinum value it.

Backside line

It’s normally a good suggestion to diversify the kinds of journey rewards factors you earn. Nonetheless, given how versatile they’re, it will possibly additionally make sense to double down with one program or one other, together with Amex Membership Rewards.

The right combination of Amex playing cards will rely in your wants and spending habits. However the Amex Enterprise Platinum and Amex Gold Card make a successful mixture because of their corresponding perks portfolios and bonus spending classes. You will get each to leverage not solely profitable introductory provides but additionally glorious on a regular basis factors accrual charges and different advantages to reinforce your journey expertise.

Apply right here for The Enterprise Platinum Card® from American Categorical with a TPG-exclusive 150,000-point bonus.
Apply right here for the American Categorical® Gold Card with a 60,000-point welcome bonus.

For charges and costs of the Amex Gold card, click on right here.
For charges and costs of the Amex Enterprise Platinum card, click on right here.

Further reporting by Ryan Wilcox.

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