Why it is sensible to have each Amex Platinum playing cards

The Platinum Card® from American Categorical and The Enterprise Platinum Card® from American Categorical have established themselves because the playing cards to have if you happen to’re all in favour of luxurious journey advantages. With an overlapping rewards construction and comparable advantages, it is logical to query which of the 2 is the most effective for you. Or, if you have already got one of many playing cards, you might be questioning whether or not you must also go for the opposite.

It may truly work out in your favor to make room for each playing cards in your pockets — even with the $695 annual charges on every (see charges and charges for the Amex Platinum and charges and charges for the Amex Enterprise Platinum).

Every card has advantages to enhance the opposite and vacationers could have no drawback incomes again the steep yearly charges, making them a terrific mixture relating to getting probably the most out of your journeys.

Here is why it’s your decision each in your pockets.

Unbelievable welcome supply worth

Each playing cards include fairly substantial welcome provides. Proper now, new Enterprise Platinum Card cardmembers can earn 150,000 bonus factors after spending $20,000 within the first three months of cardmembership.

With the Amex Platinum, new cardmembers can earn 80,000 bonus factors after spending $8,000 within the first six months of cardmembership (though you might be focused for the next supply by way of the CardMatch Device — topic to vary at any time and never everybody can be focused for a similar provides).

For those who apply for each playing cards and earn the complete welcome bonuses, you will get at the very least 230,000 Membership Rewards factors. Based mostly on TPG’s March 2025 valuations, that is value $4,600— greater than triple the mixed value of the annual charges.

Associated: Is the Amex Enterprise Platinum definitely worth the annual payment?

Card credit

Each playing cards have numerous credit to assist cardmembers get worth yr after yr. Enrollment is required for choose advantages; phrases apply.

Sometimes, one of many best perks to benefit from with the Platinum playing cards is the annual airline payment assertion credit score you will obtain every calendar yr.

Every card has an up-to-$200 annual airline payment assertion credit score every calendar yr (enrollment required). Whereas it is not as beneficiant because the $300 annual journey credit score you will get with the Chase Sapphire Reserve® (which may be utilized to any journey buy), the credit score with the Amex Platinum playing cards remains to be very helpful.

On high of the airline payment credit, the private Platinum card is loaded with annual provides. Cardmembers get pleasure from the next (some advantages require enrollment):

On the subject of annual assertion credit, the Enterprise Platinum is not any slouch, both. It provides as much as $400 in Dell assertion credit every calendar yr (as much as $200 semi-annually), as much as $360 in assertion credit for Certainly per calendar yr (as much as $90 every quarter), as much as $200 per calendar yr in Hilton assertion credit (as much as $50 per quarter), as much as $150 every calendar yr in Adobe assertion credit (topic to auto-renewal) and as much as $120 per calendar yr in assertion credit for purchases with U.S. wi-fi cellphone suppliers (as much as $10 per 30 days). The Dell and Adobe credit will finish on June. 30.

The Enterprise Platinum additionally matches the non-public Platinum in providing assertion credit for each Clear Plus and your World Entry or TSA PreCheck utility payment (which you need to use to pay for a frequent journey companion’s utility). These credit are value the identical because the Amex Platinum’s, and are issued in the identical timeframe.

Enrollment is required for choose advantages; phrases apply.

Amex Presents

All American Categorical playing cards, together with the Platinum and Enterprise Platinum playing cards, include entry to Amex Presents. You’ll find your accessible provides if you happen to scroll all the way down to “Amex Presents & Advantages” in your on-line account web page or click on on the “Presents” tab on the Amex app. They’re focused to every cardmember and are available from retailers together with accommodations, journey suppliers, eating places and clothes and jewellery shops. These provides are often both:

• Spend $X, get Y variety of bonus factors.
• Spend $X, get $Y again.
• Get further factors for every greenback you spend at a choose service provider.

Whereas Amex Presents generally is a nice deal alone, you are able to do even higher if you stack them with on-line buying portals to earn further money again or bonus factors in your buy.

Be warned: Relying on the phrases of the supply, utilizing on-line portals, promo codes or different financial savings strategies may trigger your Amex Provide to not set off, so all the time learn the wonderful print within the phrases.

That mentioned, the excellent news is you can stack the highest Amex Presents with different widespread Amex perks, together with a few of the annual assertion credit that include the Platinum and the Enterprise Platinum playing cards. Eligibility for these provides is proscribed. Enrollment is required within the Amex Presents part of your account earlier than redeeming.

Associated: Your final information to Amex Presents

Journey advantages

Cardmembers have entry to quite a lot of insurance coverage insurance policies when reserving journey and going buying with their card, together with:

• Journey cancellation and interruption insurance coverage*
• Journey delay insurance coverage*
• Cellphone safety*
• Baggage insurance coverage**
• Buy safety**
• Return safety**
• Prolonged guarantee**

*Eligibility and profit degree varies 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.

**Eligibility and profit ranges range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.

Some playing cards have eradicated these protections over the previous few years, so these advantages present another excuse to guide your journey with an Amex Platinum.

The Platinum playing cards not solely defend you from a number of journey disasters however may also improve your journey expertise.

The Platinum playing cards get you entry to The World Lounge Assortment, giving cardmembers free entry into any Amex Centurion Lounge plus entry to numerous further airport lounges as nicely. Entry is proscribed to eligible cardmembers. Total, the gathering grants entry to over 1,400 VIP lounge areas throughout 140 nations — a really beneficial profit.

Absolutely to be sought out by frequent flyers, the Platinum playing cards additionally present some supplemental advantages to make travels a bit simpler: Platinum Journey Service counselors might help set an itinerary to take advantage of your journeys, whereas World Eating Entry by Resy can get you into your most desired eating places. Most well-liked Entry is even a approach to snag unique seats at cultural and sporting occasions.

Enrollment is required for choose advantages; phrases apply.

Lodge advantages

One space the place these two playing cards overlap is entry to an array of lodge advantages. With each the non-public and enterprise Amex Platinum, you will obtain complimentary Gold standing at Hilton and Marriott and have entry to Amex Advantageous Inns + Resorts. Enrollment is required for choose advantages; phrases apply.

Gold standing at Hilton comes with perks like complimentary breakfast, room upgrades when accessible and an 80% level bonus on paid stays. Marriott Bonvoy Gold standing comes with advantages comparable to precedence late checkout, upgrades when accessible and a 25% level bonus.

Amex Advantageous Inns + Resorts is a program that gives elitelike advantages at properties world wide. These perks embrace assured late checkout, day by day breakfast for 2, room upgrades when accessible and a novel property amenity (valued at $100 or extra).

Some properties on this program can even supply third, fourth or fifth nights free, which is a beneficial profit if you’re not trying to make use of your lodge factors for a keep.

Whilst you solely want one Platinum card to get pleasure from these advantages, having each ensures you are making the most of advantages whereas maximizing incomes, whether or not your journey is for enterprise or pleasure.

Maximizing private and enterprise spending

Maybe one of many greatest advantages of getting each the non-public and enterprise variations of the Amex Platinum is you can successfully earn 7.7% again on each airfare buy you set in your private Platinum Card (airfare booked immediately with the airline or by means of American Categorical Journey earns 5 factors per greenback on as much as $500,000 spent on these purchases per calendar yr; 1 level per greenback thereafter). This incomes price additionally holds true for pay as you go accommodations booked by means of Amex Journey.

It is because, when you’ve got the Enterprise Platinum Card, you’ve got the power to Pay with Factors to guide flights with Amex Journey, and doing so will get you 35% of your factors again (as much as 1 million factors per calendar yr). This basically will get you a price of 1.54 cents per level.

For those who earn 5 factors per greenback on eligible journey purchases after which redeem these factors at a price of 1.54 cents, you are getting a return of seven.7%.

That mentioned, if you happen to maximize American Categorical’s array of beneficial switch companions, you could possibly get much more worth. In spite of everything, TPG values Amex Membership Rewards factors at 2 cents apiece as of our March 2025 valuations.

One thing else to contemplate is that the Amex Enterprise Platinum earns 1.5 factors per greenback on U.S. building materials and {hardware} purchases, U.S. electronics, cloud system suppliers and software program purchases and U.S. delivery suppliers. To high it off, the Enterprise Platinum additionally earns 1.5 factors per greenback on purchases of $5,000 or extra. Purchases that earn 1.5 factors per greenback are restricted to the primary $2 million each calendar yr (1 level per greenback thereafter).

Say, for instance, you make an $11,500 buy, and also you would not be eligible for a bonus with one other card. In complete, you’d earn 17,250 Membership Rewards factors on the Enterprise Platinum card — value about $345 primarily based on TPG’s valuations.

For those who had been to make use of one other eligible Amex card and not using a class bonus for what you are shopping for, you’d earn 11,500 Membership Rewards factors — value about $230.

Successfully, you would be getting greater than $100 further in worth by utilizing the Enterprise Platinum.

Associated: Learn how to maximize your incomes with the Amex Enterprise Platinum

Backside line

Utilizing each the non-public Amex Platinum Card and the Enterprise Platinum Card can get you the utmost worth on each your rewards-earning and redemptions, along with some nice cardmember perks.

The combo is ideal for business-owning vacationers who’ve a excessive funds and wish to benefit from enormous financial savings, beneficiant credit and opulent journey alternatives.

Though the annual prices are excessive, the suitable cardmembers could have no situation getting large worth out of this pairing. Every is a superb card by itself, however having each in your pockets can get you much more Membership Rewards factors and enable you stretch these factors additional when it comes time to make use of them for journey.

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