Sept. 13, 2026 • 15 min read Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. Thanks to its stellar portfolio of perks and all the incredible uses there are for American Express Membership Rewards points , we often focus on the American Express Platinum Card® .
Some folks even forget that the card has a counterpart, The Business Platinum Card® from American Express , that offers many of the same benefits as the personal card, along with some that make it a great choice for small-business owners.
Using a business card like the Amex Business Platinum for work-related purchases can help you separate your personal and business expenses so your end-of-year accounting is a bit easier, too, which is a factor in its favor.
Here's a quick look at both cards side by side and a helpful list of reasons why the Amex Business Platinum might actually be a better choice for some folks.
Related: Is the Amex Business Platinum worth the annual fee?
Let's start with a quick snapshot of both cards and their benefits.
Welcome offer Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer. Find out your offer and see if you are eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer. Annual fee $895 (see rates and fees ) $895 (see rates and fees ) Earning rates 5 points per dollar spent on airfare booked directly with airlines or through American Express Travel® (on up to $500,000 of these purchases per calendar year, then 1 point per dollar spent) 5 points per dollar spent on prepaid hotels booked through Amex Travel 1 point per dollar spent on all other eligible purchases 5 points per dollar spent on flights and prepaid hotels booked through American Express Travel 2 points per dollar spent on eligible purchases of at least $5,000 each, as well as on U.S. purchases with construction material and hardware suppliers, shipping providers, electronic goods retailers and software and cloud system providers (on up to $2 million per calendar year, then 1 point per dollar spent) 1 point per dollar spent on all other eligible purchases Unique benefits Up to $300 per calendar year (up to $25 each month) in statement credits for eligible digital entertainment subscriptions Up to $300 annual Lululemon statement credit per calendar year at U.S. stores and online (allocated as up to $75 per quarter; outlets excluded) Up to $300 per calendar year for an eligible U.S. Equinox Club Membership or eligible Equinox+ subscription (subject to auto-renewal) Up to $300 per calendar year in statement credits when purchasing a SoulCycle at-home bike Up to $200 per calendar year in Uber Cash for U.S. rides or Uber Eats orders each calendar year (up to $15 each mont…