Within the American Specific lineup of small-business playing cards, the American Specific® Enterprise Gold Card and The Enterprise Platinum Card® from American Specific are two widespread choices.
However similar to their shopper counterparts, these two playing cards are every geared towards cardholders with completely different objectives and wishes.
Let’s evaluation these playing cards to see how the refreshed Amex Enterprise Gold competes with the Amex Enterprise Platinum.
Amex Enterprise Gold vs. Amex Enterprise Platinum comparability
| Amex Enterprise Gold | Amex Enterprise Platinum | |
|---|---|---|
| Welcome bonus | Earn 100,000 Membership Rewards factors after spending $15,000 on eligible purchases throughout the first three months of card membership. Additionally take pleasure in a 0% introductory annual proportion charge for six months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% – 27.49% variable APR(see charges and charges) | Earn 150,000 Membership Rewards factors after spending $20,000 on eligible purchases within the first three months of card membership. Plus, earn a $500 assertion credit score after spending $2,500 on qualifying flights booked instantly with airways or via American Specific Journey within the first three months of card membership. You possibly can earn one or each components of this supply, which ends June 30. |
| Annual payment | $375 (see charges and charges) | $695 (see charges and charges) |
| Incomes charges |
|
|
| Advantages (enrollment is required) |
|
Enrollment is required. |
| Redemption bonus | None | Obtain 35% again on Pay with Factors flight redemptions (as much as 1,000,000 factors again per calendar yr) for first- and business-class tickets with any airline and for all fare courses together with your chosen airline from an inventory of qualifying airways booked via American Specific Journey. |
*Eligibility and profit ranges fluctuate by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Amex Enterprise Gold vs. Amex Enterprise Platinum welcome supply
New candidates of the Amex Enterprise Gold Card can earn 100,000 bonus factors after spending $15,000 on purchases within the first three months of card membership. TPG’s April 2025 valuations peg Amex factors at 2 cents apiece, so the present supply is price a powerful $2,000. Plus, the cardboard affords a 0% introductory APR for six months from the date of account opening on purchases eligible for Pay Over Time.
The welcome supply on the Amex Enterprise Platinum Card is even higher. New candidates earn 150,000 factors after spending $20,000 on eligible purchases within the first three months of card membership. Plus, new candidates will earn a $500 assertion credit score after spending $2,500 on qualifying flights booked instantly with airways or via American Specific Journey within the first three months of card membership. You possibly can earn one or each components of this supply, which ends June 30. Based on TPG’s April 2025 valuations, the welcome supply for the Enterprise Platinum is price a staggering $3,500, together with the assertion credit score. Nonetheless, it has a considerably larger spending threshold to earn the bonus.
Winner: Amex Enterprise Platinum. So long as you possibly can meet the cardboard’s hefty minimal spending requirement, it is welcome supply offers extra worth.
Amex Enterprise Gold vs. Amex Enterprise Platinum advantages
As premium enterprise journey rewards playing cards, each include lots of the identical options:
- Journey protections (journey delay insurance coverage***, baggage insurance coverage**, and automobile rental loss and harm insurance coverage**): Enterprise Gold Card holders obtain as much as $500 price of insurance coverage for broken, stolen or misplaced checked baggage ($1,250 for carry-ons). In the meantime, Enterprise Platinum Card holders obtain as much as $2,000 for checked baggage ($3,000 for carry-ons) when touring on any widespread provider, comparable to plane, trains, ships and buses.
- Buy safety**: Your eligible purchases are coated towards unintentional harm or theft for 90 days for as much as $1,000 per incident with the Enterprise Gold and as much as $10,000 per incident with the Enterprise Platinum for as much as $50,000 per cardmember account, per calendar yr. Nonetheless, protection associated to pure disasters is restricted to $500 per incident.
- Prolonged guarantee**: Your purchases obtain as much as one further yr of guarantee service on purchases with warranties of 5 years or much less. Protection is as much as the precise quantity charged to your card for the merchandise (as much as a most of $10,000, to not exceed $50,000 per cardmember account, per calendar yr).
- Cellphone Safety***: Obtain reimbursements for the restore or substitute prices for harm or theft with a most restrict of $800 per declare (as much as two claims in a 12-month interval). In an effort to be eligible, the wi-fi invoice for the cellphone line should be paid utilizing both the Enterprise Gold or Enterprise Platinum. A $50 deductible is utilized to accredited claims.
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**Eligibility and profit ranges fluctuate by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
***Eligibility and profit ranges fluctuate by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
The Amex Enterprise Gold has assertion credit, placing it extra on par with its counterpart, the Amex Enterprise Platinum. Cardmembers will obtain as much as $240 per calendar yr (as much as $20 a month in assertion credit) for eligible purchases at FedEx, Grubhub and workplace provide shops. Moreover, cardmembers will obtain as much as $155 again per calendar yr in assertion credit for a month-to-month Walmart+ membership (topic to auto-renewal; excluding Plus Ups).
Nonetheless, the Amex Enterprise Platinum has many advantages past what the Amex Enterprise Gold affords. These advantages are sufficient to offset the cardboard’s excessive annual payment however are additionally tailor-made to assist companies with prices. Assertion credit embody as much as $400 with Dell Applied sciences (as much as $200 biannually), as much as $360 with Certainly (as much as $90 quarterly), as much as $150 with Adobe Artistic Cloud or Professional DC and as much as $120 with U.S. wi-fi service suppliers (as much as $10 month-to-month) per calendar yr.
The Dell and Adobe assertion credit will finish June 30, so if you’re a brand new cardmember, make sure to use them absolutely earlier than these advantages finish. Enrollment is required for choose advantages. Beginning July 1, these assertion credit will change extensively. Cardmembers will obtain as much as $150 in assertion credit on U.S. purchases made instantly at Dell and as much as a further $1,000 assertion credit score after spending $5,000 or extra at Dell from July 1 via Dec. 31 and for every calendar yr after. For Adobe, cardmembers will obtain as much as $250 after spending $600 or extra on U.S. purchases made instantly with Adobe from July 1 via Dec. 31, then for every calendar yr after.
However the place the Amex Enterprise Platinum shines is with its journey advantages, together with an as much as $200 airline payment credit score per calendar yr on your alternative of airline towards incidental purchases, an as much as $199 Clear Plus credit score per calendar yr, and an as much as $120 assertion credit score for World Entry (each 4 years) or an as much as $85 assertion credit score for TSA PreCheck (each 4 1/2 years).
Cardholders additionally take pleasure in entry to an intensive assortment of airport lounges, together with Amex’s personal Centurion Lounges, Plaza Premium lounges, Precedence Go lounges, Lufthansa lounges (with a same-day Lufthansa flight, whatever the ticketed cabin) and Escape Lounges. This additionally consists of Delta Sky Membership entry — eligible Enterprise Platinum Card members will obtain 10 visits per eligible card, per yr to Delta Sky Golf equipment and grab-and-go areas when touring on a same-day, Delta-operated flight, until they spend $75,000 with their card in a calendar yr to take pleasure in limitless entry. Enrollment is required for choose advantages; phrases apply.
Further Amex Enterprise Platinum journey advantages embody complimentary Marriott Bonvoy Gold Elite standing and Hilton Honors Gold standing. Enrollment is required, and phrases apply.
Lastly, the Amex Enterprise Platinum affords Pay with Factors bonuses on choose flights booked via American Specific Journey. Once you use Membership Rewards factors to e book first- or business-class flights on any airline or financial system tickets in your designated airline, you may take pleasure in 35% of them again as a Enterprise Platinum Card member.
Winner: Amex Enterprise Platinum. It affords an excellent vary of assertion credit and journey perks.
Incomes factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
As American Specific-issued playing cards, each the Enterprise Gold and Enterprise Platinum earn factors within the Membership Rewards ecosystem however at completely different charges and in several classes.
The Amex Enterprise Gold has helpful business-friendly bonus classes that earn 4 factors per greenback. A singular side of incomes on this card is that you will mechanically earn 4 factors per greenback in your high two spending classes every billing cycle, so there isn’t any want to pick out a class and decide to it. The eligible classes are:
- U.S. purchases for promoting in choose media
- U.S. purchases at gasoline stations
- U.S. purchases at eating places
- Transit purchases, together with trains, taxis, ride-hailing providers, tolls, ferries, buses, parking and subways
- U.S. purchases made with digital items retailers and software program and cloud service suppliers
- Month-to-month wi-fi phone costs made instantly with U.S. service suppliers
The Amex Enterprise Gold additionally earns 3 factors per greenback spent on flights, pay as you go resorts and pay as you go flight-and-hotel packages which might be booked instantly with Amex Journey.
Compared to the Enterprise Gold, the Amex Enterprise Platinum affords a restricted variety of classes to earn factors. The eligible classes embody:
- Flights and pay as you go resorts booked via amextravel.com (5 factors per greenback)
- Eligible enterprise classes (U.S. development materials and {hardware} suppliers, digital items retailers, software program and cloud system suppliers, and transport suppliers) and purchases of $5,000 or extra in any class (1.5 factors per greenback; applies to as much as $2 million in purchases per calendar yr, then 1 level per greenback)
- All different eligible purchases (1 level per greenback)
Winner: Amex Enterprise Gold. Cardmembers can earn bonus factors via a number of classes.
Associated: Maximize your incomes with the Amex Enterprise Gold
Redeeming factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
Membership Rewards factors earned with the Amex Enterprise Gold and the Amex Enterprise Platinum might be redeemed towards assertion credit, used for journey purchases (comparable to airfare or resorts) via American Specific Journey and transferred to the issuer’s 21 airline and lodge companions.
Nonetheless, there are slight variations between choose flights booked by way of Amex Journey with the issuer’s Pay with Factors function.
One noteworthy distinction between the 2 playing cards is that the Amex Enterprise Platinum affords a 35% Pay with Factors rebate (as much as 1 million factors again per calendar yr).
Winner: Amex Enterprise Platinum. The flexibility to make use of Pay with Factors provides this card the higher hand.
Transferring factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
Membership Rewards factors might be transferred to over 20 airline and lodge loyalty packages. When used on this method, factors are price 2 cents every, based on TPG’s April 2025 valuations. Transferring factors to airline companions comparable to Air Canada Aeroplan, British Airways Membership and Air France-KLM FlyingBlue might help you rating phenomenal flight choices and maximize your return in your factors — particularly should you can full your switch throughout a limited-time switch bonus.
Chris Nelson, a bank cards author at TPG, repeatedly transfers factors to Avianca LifeMiles and has secured transatlantic flights to Europe from Newark for as little as 17,000 factors in financial system.
Winner: Tie. Each playing cards supply the very same listing of switch companions and ratios.
Ought to I get the Amex Enterprise Gold or Amex Enterprise Platinum?
The Amex Enterprise Platinum is nice for frequent vacationers and people on the lookout for a card to present them perks and advantages that improve their expertise when on the street, comparable to Marriott and Hilton elite standing and entry to an array of airport lounges. These perks justify the cardboard’s $695 annual payment (see charges and charges).
That mentioned, the Amex Enterprise Gold is a greater match for small-business house owners who wish to earn as many factors as attainable on on a regular basis enterprise spending throughout all kinds of classes, all for a manageable annual payment of $375 (see charges and charges).
Backside line
Every of those enterprise playing cards from American Specific may very well be an excellent match on your wants. Relying on the scale and nature of your organization, you may even take into account getting each playing cards. You may carry the Enterprise Gold to maximise the cardboard’s bonus classes and maintain a Enterprise Platinum to take pleasure in advantages like Centurion Lounge entry, rental automobile elite standing and a 35% bonus on factors redeemed for choose airfare via Amex Journey.
By analyzing what you are promoting wants, you possibly can select one of the best mixture of playing cards to maximise your award journey potentialities.
For extra info, see our full evaluations of the Amex Enterprise Gold and Amex Enterprise Platinum.
Apply right here: The Enterprise Platinum Card from American Specific
Apply right here: American Specific Enterprise Gold Card
For charges and charges of the Amex Enterprise Gold Card, click on right here.
For charges and charges of the Amex Enterprise Platinum Card, click on right here.
