Amex Platinum vs. Enterprise Platinum: Which card is greatest?

Premium playing cards have advanced 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 payment 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 essential 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 greatest 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 provides, incomes charges, main perks and out there 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.

Potential Amex Platinum cardmembers can apply and discover out their supply and see if they’re eligible to earn as excessive as 175,000 Membership Rewards Factors after spending $8,000 on purchases throughout the first six months of card membership — so a median of simply over $1,333 monthly.

Nevertheless, the Enterprise Platinum requires a a lot steeper minimal spend of $20,000 throughout the first three months to earn its 150,000-point bonus. This requires spending a median of $6,667 monthly to earn the bonus factors.

Primarily based on TPG’s July 2025 valuations, Membership Rewards factors are value 2 cents every. That makes the Amex Platinum’s welcome bonus value as much as $3,500. In distinction, the Amex Enterprise Platinum’s bonus is value $3,000 if you embrace the assertion credit score, making these two of essentially the most precious provides available on the market.

Winner: Tie (if you happen to’re accepted for the very best supply on the Amex Platinum).

Associated: Here is why I am maintaining the Amex Platinum after the Sapphire Reserve’s adjustments

Amex Platinum vs. Amex Enterprise Platinum advantages

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

Advantages provided to each playing cards

Enrollment is required for choose advantages; phrases apply.

*Eligibility and profit ranges range 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 buyer Amex Platinum provides 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 Tremendous Motels + Resorts or The Resort Assortment properties made by 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 a further as much as $20 for December (as much as $200 every calendar yr; should add your card as a fee 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 June and as much as $50 to make use of July by December)
• Digital leisure credit score: As much as $20 in month-to-month assertion credit for subscriptions to The New York Instances, 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)
• 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); have to be enrolled in an Equinox+ membership to be eligible for this profit.
• 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 possibly can see, this may ship a ton of worth, particularly if you happen to already use among the eligible providers.

Associated: 10 issues to do if 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 (the identical one you chose in your airline incidental credit score) or flights in first or enterprise class with any airline. As much as a million factors are allowed as a rebate. Nevertheless, beginning Sept. 18, this profit is being devalued as now you’ll solely have the ability to earn factors again in your designated airline, whatever the cabin class of your ticket.
• Dell assertion credit score: As much as $150 in assertion credit on U.S. purchases made immediately at Dell and a further 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 immediately at Adobe every calendar yr
• 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)

Winner: Tie. Every card provides assertion credit that may present worth based mostly on the providers a person or enterprise could use.

Associated: Have an Amex Enterprise Platinum card? Do not forget 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 immediately 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 July 2025 valuations)
• 5 factors per greenback spent on pay as you go lodges booked with Amex Journey (10% return)
• 1 level per greenback spent on different purchases (2% return)

Then again, the Amex Enterprise Platinum earns:

• 5 factors per greenback spent on flights and pay as you go lodges booked with Amex Journey (10% return)
• 1.5 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 transport suppliers) on as much as $2 million of purchases in a calendar yr, then 1 level per greenback (3% return)
• 1 level per greenback spent on different purchases (2% return)

Each playing cards earn 5 factors per greenback if you buy airfare and pay as you go resort rooms from Amex Journey. Nevertheless, the non-public Platinum overridetext=”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 proscribed 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 homeowners who frequently make massive purchases with the cardboard since purchases of no less than $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. It is higher for large purchases, however notice you must e-book airfare by Amex Journey to earn bonus factors with this card in case your buy is lower than $5,000.

Associated: Who ought to (and should not) get the American Categorical Platinum?

Redeeming factors on the Amex Platinum vs. Amex Enterprise Platinum

American Categorical Membership Rewards factors are some of the precious loyalty currencies on the market. In keeping with TPG’s July 2025 valuations, Amex factors are value 2 cents apiece.

With 20 switch companions, Membership Rewards factors from these playing cards may also help you journey to only about wherever on the planet.

One profit that is unique to the Enterprise Platinum card is that if you e-book any flight immediately with factors by Amex Journey in your preselected airline or enterprise or firstclass on any airline, you may obtain a 35% rebate of the factors you used (till Sept. 18, thereafter you may solely obtain factors again in your designated airline whatever the cabin class; as much as a million factors every calendar yr).

Apart from journey, Membership Rewards factors will be redeemed for reward playing cards, to pay for purchases at Amazon.com and for assertion credit. We at all times suggest redeeming your factors for journey to get essentially the most worth out of them.

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

Associated: 7 causes you may want the Amex Enterprise Platinum Card as a substitute 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 resort and airline companions.

Some profitable switch companions that provide 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 e-book a lie-flat enterprise class intra-Europe flight on Turkish Airways from London to Istanbul. This was a incredible deal; given the money fare was $1,236, he acquired a price of over 6 cents per level, far larger than TPG’s July 2025 valuation of two cents per level for Membership Rewards factors.

Associated: The ability of the Amex Trifecta: Platinum, Gold and Blue Enterprise Plus

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

When you’re on the lookout for a premium card loaded with journey perks and do not have a enterprise or the substantial bills that include one, the non-public Amex Platinum ought to suffice. Nevertheless, if you happen to spend loads on enterprise bills and may benefit from its business-related assertion credit, the Amex Enterprise Platinum is the best way 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 small-business — since they provide quite a few perks at house and on the street.

Options like lounge entry, journey protections and very precious 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 value 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.