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 clients.

Two high playing cards for premium journey and life-style advantages are The Platinum Card® from American Categorical and The Enterprise Platinum Card® from American Categorical. Each playing cards have an annual price of $695 (see charges and charges for the Amex Platinum and charges and charges 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 look nearer on the Amex Platinum vs. the Amex Enterprise Platinum to see which makes essentially the most sense in your pockets.

Amex Platinum vs. Amex Enterprise Platinum comparability

Earlier than we dive into extra particulars, this is a comparability of the 2 playing cards’ welcome gives, incomes charges, main perks and obtainable credit for cardmembers.

Amex Platinum vs. Amex Enterprise Platinum welcome provide

Every card comes with a beneficiant welcome provide, 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 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. Plus, you will need to spend $2,500 instantly with airways or Amex Journey (spending doesn’t all have to come back from one airline) inside three months to earn the $500 assertion credit score. You possibly can earn one or each of those gives. This provide ends on June 30.

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

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Primarily based on TPG’s April 2025 valuations, Membership Rewards factors are value 2 cents every. That makes the Amex Platinum’s welcome bonus value $1,600. In distinction, the Amex Enterprise Platinum’s bonus is value $3,500 if you embody the assertion credit score, making them two of essentially the most priceless gives in the marketplace.

Nevertheless, some TPG readers have been focused for even higher gives, like as much as 150,000 factors on the non-public Amex Platinum. Test your eligibility utilizing the CardMatch instrument (be aware 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 value 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 life-style perks.

Advantages supplied to each playing cards

Enrollment is required for choose advantages; phrases apply.

*Eligibility and profit ranges differ 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.

**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.

Shopper 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 12 months on pay as you go bookings at Effective Inns + Resorts or The Lodge Assortment properties made by way of American Categorical Journey (minimal two-night keep requirement for The Lodge 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 12 months; should add your card as a fee technique in your Uber account; redeem with any Amex card)
• Saks Fifth Avenue credit score: As much as $100 every calendar 12 months 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 12 months)
• 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 12 months)

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

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 (chosen upfront) 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 12 months)^
• Adobe assertion credit score: As much as $150 in assertion credit every calendar 12 months for eligible Adobe purchases (applies solely to pay as you go plans with Artistic 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 12 months)
• 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 12 months)
• Hilton assertion credit score: As much as $50 per quarter in assertion credit on Hilton purchases (as much as $200 per calendar 12 months)

^Advantages altering on July 1

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

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 Amex Platinum additionally earns 5 factors per greenback on airfare bought instantly 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 12 months (then 1 level per greenback), nevertheless it’s unlikely that the majority cardmembers will spend this a lot in a 12 months.

Then again, the Amex Enterprise Platinum card is nice for enterprise house owners who usually make massive purchases with the cardboard since purchases of a minimum of $5,000 and in choose enterprise classes earn 1.5 factors per greenback (on as much as $2 million of those purchases per 12 months, then 1 level per greenback).

Winner: Amex Enterprise Platinum. Its higher for giant purchases, however be aware you need to e-book 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 priceless loyalty currencies on the market. In response to TPG’s April 2025 valuations, Amex factors are value 2 cents apiece.

With 21 switch companions, Membership Rewards factors from these playing cards may help you journey to simply about wherever on the planet.

One profit that is unique to the Enterprise Platinum card is that if you e-book any flight instantly with factors by way of Amex Journey in your preselected airline — or enterprise or firstclass on any airline — you will obtain a 35% rebate of the factors you used (as much as a million factors every calendar 12 months).

Other than journey, Membership Rewards factors could be redeemed for reward 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 essentially the most worth out of them.

Winner: Amex Enterprise Platinum. Whereas each playing cards have equivalent redemption choices, the Amex Enterprise Platinum gives a 35% factors rebate on eligible flights (as much as a million factors per calendar 12 months).

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 e-book a lie-flat enterprise class intra-Europe flight on Turkish Airways from London to Istanbul. This was a improbable deal; given the money fare was $1,236, he acquired a price of over 6 cents per level, far increased 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 the event you’re searching for 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. Nevertheless, in case you spend loads on enterprise bills and might make the most of its business-related assertion credit, the Amex Enterprise Platinum is the way in which to go.

Backside line

These searching 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 residence and on the highway.

Options like lounge entry, journey protections and very priceless factors are just some of the points of interest. It could make sense to have each in your pockets, however guarantee your skilled and private spending habits make each annual charges value it.

To study extra, learn our full opinions of the Amex Platinum and Amex Enterprise Platinum.

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

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