American Categorical Platinum vs. American Categorical Enterprise Platinum: Which premium Amex card is best for you?

Premium playing cards have developed over the previous a number of years to draw and retain prospects.

Two high playing cards for premium journey and way of life advantages are The Platinum Card® from American Categorical and The Enterprise Platinum Card® from American Categorical. Each playing cards have an annual charge of $695 (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 vital variations to think about when deciding which one is best for you.

Let’s look nearer on the Amex Platinum vs. the Amex Enterprise Platinum to see which makes probably the most sense in 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 gives, incomes charges, main perks and accessible credit for cardmembers.

Amex Platinum vs. Amex Enterprise Platinum welcome supply

Every card comes with a beneficiant welcome supply, however the minimal spend required to earn the bonus is the place they actually differ.

New cardmembers can earn 80,000 bonus factors after spending $8,000 on the Amex Platinum — with six months to finish the spending, so a mean of simply over $1,000 per thirty days.

Nonetheless, the Enterprise Platinum requires a a lot steeper minimal spend of $20,000 inside the first three months to earn its 150,000-point bonus. Plus, you will must spend $2,500 immediately with airways or Amex Journey (spending doesn’t all have to return from one airline) inside three months to earn the $500 assertion credit score. You possibly can earn one or each of those gives. This supply ends on June 30.

This requires spending a mean of $6,667 per thirty days to earn the bonus factors. Roughly $834 of your spending every month must be on simply airfare to earn the $500 assertion credit score.

Primarily based on TPG’s April 2025 valuations, Membership Rewards factors are price 2 cents every. That makes the Amex Platinum’s welcome bonus price $1,600. In distinction, the Amex Enterprise Platinum’s bonus is price $3,500 whenever you embody the assertion credit score, making them two of probably the most invaluable gives available on the market.

Nonetheless, some TPG readers have been focused for even higher gives, like as much as 150,000 factors on the non-public Amex Platinum. Examine your eligibility utilizing the CardMatch instrument (observe that these gives are topic to alter at any time, and never everybody will obtain the identical gives).

Winner: Amex Enterprise Platinum. Its bonus is price as much as $1,900 greater than the Amex Platinum’s.

Amex Platinum vs. Amex Enterprise Platinum advantages

Each of those playing cards excel in relation to journey and way of life perks.

Advantages supplied to each playing cards

Enrollment is required for choose advantages; phrases apply.

*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.

Client Amex Platinum advantages

The patron Amex Platinum gives these unique perks (enrollment is required for choose advantages; phrases apply):

• Pay as you go resort reserving credit score: As much as $200 assertion credit score every calendar yr on pay as you go bookings at Nice Accommodations + Resorts or The Resort Assortment properties made by way of American Categorical Journey (minimal two-night keep requirement for The Resort Assortment)
• Uber credit score: As much as $15 in Uber Money every month to make use of on Uber rides or Uber Eats orders within the U.S., with an extra as much as $20 for December (as much as $200 every calendar yr; should add your card as a cost methodology in your Uber account; redeem with any Amex card)
• 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 January by way of June and as much as $50 to make use of July by way of December)
• Digital leisure credit score: As much as $20 in month-to-month assertion credit for subscriptions to The New York Occasions, Peacock, The Wall Avenue Journal, Disney+, Hulu, ESPN+ or the Disney Bundle (as much as $240 every calendar yr)
• 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)
• Walmart+ membership credit score: As much as $12.95 in month-to-month assertion credit for one month-to-month Walmart+ membership (topic to auto-renewal); Plus Up Advantages not eligible (as much as $155 every calendar yr)

As you’ll be able to see, this could ship a ton of worth, particularly in case you already use among the eligible companies.

Associated: 10 issues to do whenever 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; phrases apply):

• 35% airline factors bonus: Obtain 35% of your factors again when paying with factors for flights booked with Amex Journey. This is applicable to any flights in your most popular airline (chosen prematurely) or flights in first or enterprise class with any airline. As much as a million factors are allowed as a rebate.
• Dell assertion credit score: As much as $200 to make use of January by way of June and as much as $200 to make use of July by way of December on U.S. Dell purchases (as much as $400 every calendar yr)^
• Adobe assertion credit score: As much as $150 in assertion credit every calendar yr for eligible Adobe purchases (applies solely to pay as you go plans with Inventive Cloud or Acrobat Professional DC with e-sign for groups; topic to auto-renewal)^
• Certainly assertion credit: As much as $90 per quarter in assertion credit for spending with Certainly (as much as $360 every calendar yr)
• Month-to-month wi-fi credit: As much as $10 in month-to-month assertion credit for spending on wi-fi plans with U.S. suppliers (as much as $120 every calendar yr)
• Hilton assertion credit score: As much as $50 per quarter in assertion credit on Hilton purchases (as much as $200 per calendar yr)

^Advantages altering on July 1

Winner: Tie. Every card gives assertion credit that may present worth primarily based on the companies a person or enterprise could use.

Associated: Have an Amex Enterprise Platinum card? Remember to register for these perks

Incomes factors with the Amex Platinum vs. Amex Enterprise Platinum

Each playing cards earn 5 factors per greenback whenever you buy airfare and pay as you go resort rooms from Amex Journey. Nonetheless, the non-public Amex Platinum additionally earns 5 factors per greenback on airfare bought immediately with airways.

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), but it surely’s unlikely that the majority cardmembers will spend this a lot in a yr.

However, the Amex Enterprise Platinum card is nice for enterprise homeowners who recurrently make giant purchases with the cardboard since purchases of at the least $5,000 and in choose enterprise classes earn 1.5 factors per greenback (on as much as $2 million of those purchases per yr, then 1 level per greenback).

Winner: Amex Enterprise Platinum. Its higher for large purchases, however observe you need to ebook airfare by way of Amex Journey to earn bonus factors with this card in case your buy is lower than $5,000.

Redeeming factors on the Amex Platinum vs. Amex Enterprise Platinum

American Categorical Membership Rewards factors are one of the invaluable loyalty currencies on the market. Based on TPG’s April 2025 valuations, Amex factors are price 2 cents apiece.

With 21 switch companions, Membership Rewards factors from these playing cards might help you journey to only about anyplace on the planet.

One profit that is unique to the Enterprise Platinum card is that whenever you ebook any flight immediately with factors by way of Amex Journey in your preselected airline — or enterprise or first-class on any airline — you will obtain a 35% rebate of the factors you used (as much as a million factors every calendar yr).

Except for journey, Membership Rewards factors may be redeemed for present 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 probably the most worth out of them.

Winner: Amex Enterprise Platinum. Whereas each playing cards have similar redemption choices, the Amex Enterprise Platinum gives a 35% factors rebate on eligible flights (as much as a million factors per calendar yr).

Transferring factors with the Amex Platinum vs. Amex Enterprise Platinum

Each the Amex Platinum and Amex Enterprise Platinum share entry to the identical 21 resort and airline companions.

Some profitable switch companions that supply nice redemption choices embody Air Canada Aeroplan, Air France-KLM Flying Blue and Avianca LifeMiles.

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 unbelievable deal; given the money fare was $1,236, he acquired a worth of over 6 cents per level, far greater than TPG’s April 2025 valuation of two cents per level for Membership Rewards factors.

Ought to I get the Amex Platinum or Amex Enterprise Platinum?

In case you’re in search of a premium card loaded with journey perks and haven’t got a enterprise or the substantial bills that include one, the non-public Amex Platinum ought to suffice. Nonetheless, in case you spend so much on enterprise bills and may reap the benefits of its business-related assertion credit, the Amex Enterprise Platinum is the way in which to go.

Backside line

These in search of premium perks are sometimes drawn to the American Categorical Platinum playing cards — whether or not private or small-business — since they provide quite a few perks at house and on the highway.

Options like lounge entry, journey protections and very invaluable factors are only a few of the sights. It might make sense to have each in your pockets, however guarantee your skilled and private spending habits make each annual charges price it.

To be taught extra, learn our full evaluations of the Amex Platinum and Amex Enterprise Platinum.

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Apply right here: Amex Platinum
Apply right here: Amex Enterprise Platinum

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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.