Amazon Business vs Platinum
Amazon Business
$0/yr
7.0/10
VS
Platinum
$895/yr
7.0/10
Quick Answer
Amazon Business charges no annual fee with 1X base rewards. Platinum charges $895/yr with 1X base rewards. Amazon Business offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Amazon Business
Lower annual fee ($0 vs $895)
Rewards Earning
Amazon Business
3 earning categories
Benefits & Protection
Platinum
9 benefits vs 0
Statement Credits
Platinum
$1429 in annual credits
Flexibility
Platinum
Transferable points to airline/hotel partners
OUR PICK
Amazon Business wins for most people
The $895 fee difference is hard to justify unless you maximize premium benefits.
Apply for Amazon BusinessPREMIUM PICK
Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for PlatinumRewards Earning: Detailed Comparison
Amazon Business
| Amazon, AWS, Whole Foods (Pay in Full) | 5.0X |
| Restaurants, gas, office supply stores | 2.0X |
| Everything else | 1.0X |
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Amazon Business (0 benefits)
No benefits data available
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status