booked directly with airlines, while the Business Platinum earns 5 points per dollar on flights and prepaid hotels booked with Amex Travel.
In addition to these bonus categories, both cards earn 1 point per dollar on all other purchases.
Winner: Amex Platinum. While both cards offer similar earning rates, the personal Amex Platinum has the advantage of earning 5 points per dollar on airfare booked directly with airlines, which can be more valuable for frequent travelers.
Lounge Access
Both the Amex Platinum and Business Platinum offer access to a wide range of airport lounges. Cardholders of both cards receive access to the American Express Global Lounge Collection, which includes Centurion Lounges, Priority Pass lounges, and Delta Sky Club lounges when flying with Delta.
Winner: Tie. Both cards offer extensive lounge access, so the choice between the two will depend on your preferred airlines and lounge locations.
Elite Hotel Status
The Amex Platinum offers Marriott Bonvoy Gold elite status and Hilton Honors Gold status, which provide benefits such as room upgrades, late check-out, and bonus points on hotel stays.
On the other hand, the Business Platinum offers Marriott Bonvoy Gold elite status and Hilton Honors Gold status as well.
Winner: Tie. Both cards offer the same elite hotel status benefits, so it’s a draw in this category.
Other Benefits
Both the Amex Platinum and Business Platinum come with additional benefits that can add value to the cardholder.
The Amex Platinum offers premium rental car status, travel and purchase protections, and no foreign transaction fees. It also provides statement credits for hotel bookings through AmexTravel.com, airline fees, Clear Plus membership, Global Entry or TSA PreCheck, and Uber rides or Uber Eats orders.
The Business Platinum also offers premium rental car status, travel and purchase protections, and no foreign transaction fees. It provides statement credits for airline fees, Clear Plus membership, Global Entry or TSA PreCheck, Dell purchases, Adobe subscriptions, Indeed spending, and monthly wireless plans.
Winner: Tie. Both cards offer a range of valuable benefits, so the choice will depend on which benefits are most important to you.
Annual Fee
Both the Amex Platinum and Business Platinum have a hefty annual fee of $695. However, considering the generous welcome offers, earning rates, and benefits offered by both cards, the annual fee can be justified for frequent travelers and those who can maximize the card’s perks.
Winner: Tie. Both cards have the same annual fee, so it’s a draw in this category.
Conclusion
In conclusion, the choice between the Amex Platinum and Business Platinum will depend on your spending habits, travel preferences, and the benefits that are most valuable to you.
If you are a frequent traveler who values airline and hotel benefits, the Amex Platinum may be the better choice with its higher earning rate on airfare and hotel bookings. On the other hand, if you are a business owner who can take advantage of the Business Platinum’s statement credits for Dell purchases, Adobe subscriptions, and wireless plans, then the Business Platinum may be more suitable for you.
Ultimately, both cards offer premium travel and lifestyle benefits that can enhance your travel experience and provide value for the annual fee. It’s important to carefully consider the benefits and features of each card to determine which one aligns with your needs and preferences.