Business Platinum vs Platinum
Business Platinum
$695/yr
5.5/10
VS
Platinum
$895/yr
7.0/10
Quick Answer
Business Platinum charges $695/yr with 1X base rewards. Platinum charges $895/yr with 1X base rewards. Business Platinum offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Business Platinum →
PointsPick may earn a commission. Disclosure
Apply for Platinum →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Business Platinum
Lower annual fee ($695 vs $895)
Rewards Earning
Business Platinum
6 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
Business Platinum wins for most people
The $200 fee difference is hard to justify unless you maximize premium benefits.
Apply for Business PlatinumPREMIUM 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
Business Platinum
| Flights & hotels (Amex Travel) | 5.0X |
| Eligible purchases $5,000+ | 1.5X (up to $2,000,000) |
| US construction material & hardware | 1.5X |
| US electronic goods retailers | 1.5X |
| US shipping providers | 1.5X |
| 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
Business Platinum (0 benefits)
See full review for benefits details.
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