The Platinum Card® from American Categorical and The Enterprise Platinum Card® from American Categorical have established themselves because the playing cards to have if you happen to’re fascinated with luxurious journey advantages. With an overlapping rewards construction and related advantages, it is logical to query which of the 2 is the most effective for you. Or, if you have already got one of many playing cards, it’s possible you’ll be questioning whether or not you also needs to go for the opposite.
It may truly work out in your favor to make room for each playing cards in your pockets — even with the $695 annual charges on every (see charges and costs for the Amex Platinum and charges and costs for the Amex Enterprise Platinum).
Every card has advantages to enhance the opposite and vacationers could have no downside incomes again the steep yearly charges, making them an awesome mixture relating to getting probably the most out of your journeys.
Here is why you might have considered trying each in your pockets.
Unimaginable welcome provide worth
Each playing cards include fairly substantial welcome presents. Proper now, new Enterprise Platinum Card cardmembers can earn 150,000 bonus factors after spending $20,000 within the first three months of cardmembership.
With the Amex Platinum, new cardmembers can earn 80,000 bonus factors after spending $8,000 within the first six months of cardmembership (though it’s possible you’ll be focused for a better provide through the CardMatch Device — topic to vary at any time and never everybody will probably be focused for a similar presents).
If you happen to apply for each playing cards and earn the complete welcome bonuses, you may get not less than 230,000 Membership Rewards factors. Based mostly on TPG’s March 2025 valuations, that is price $4,600— greater than triple the mixed value of the annual charges.
Associated: Is the Amex Enterprise Platinum well worth the annual charge?
Card credit
Each playing cards have various credit to assist cardmembers get worth 12 months after 12 months. Enrollment is required for choose advantages; phrases apply.
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Sometimes, one of many best perks to make the most of with the Platinum playing cards is the annual airline charge assertion credit score you may obtain every calendar 12 months.
Every card has an up-to-$200 annual airline charge assertion credit score every calendar 12 months (enrollment required). Whereas it is not as beneficiant because the $300 annual journey credit score you may get with the Chase Sapphire Reserve® (which will be utilized to any journey buy), the credit score with the Amex Platinum playing cards continues to be very helpful.
On high of the airline charge credit, the private Platinum card is loaded with annual presents. Cardmembers get pleasure from the next (some advantages require enrollment):
In the case of annual assertion credit, the Enterprise Platinum is not any slouch, both. It presents as much as $400 in Dell assertion credit every calendar 12 months (as much as $200 semi-annually), as much as $360 in assertion credit for Certainly per calendar 12 months (as much as $90 every quarter), as much as $200 per calendar 12 months in Hilton assertion credit (as much as $50 per quarter), as much as $150 every calendar 12 months in Adobe assertion credit (topic to auto-renewal) and as much as $120 per calendar 12 months in assertion credit for purchases with U.S. wi-fi cellphone suppliers (as much as $10 per thirty days). The Dell and Adobe credit will finish on June. 30.
The Enterprise Platinum additionally matches the private Platinum in providing assertion credit for each Clear Plus and your International Entry or TSA PreCheck software charge (which you should use to pay for a frequent journey companion’s software). These credit are price the identical because the Amex Platinum’s, and are issued in the identical timeframe.
Enrollment is required for choose advantages; phrases apply.
Amex Gives
All American Categorical playing cards, together with the Platinum and Enterprise Platinum playing cards, include entry to Amex Gives. You could find your out there presents if you happen to scroll all the way down to “Amex Gives & Advantages” in your on-line account web page or click on on the “Gives” tab on the Amex app. They’re focused to every cardmember and are available from retailers together with lodges, journey suppliers, eating places and clothes and jewellery shops. These presents are often both:
- Spend $X, get Y variety of bonus factors.
- Spend $X, get $Y again.
- Get extra factors for every greenback you spend at a choose service provider.
Whereas Amex Gives is usually a nice deal alone, you are able to do even higher while you stack them with on-line buying portals to earn further money again or bonus factors in your buy.
Be warned: Relying on the phrases of the provide, utilizing on-line portals, promo codes or different financial savings strategies may trigger your Amex Supply to not set off, so all the time learn the nice print within the phrases.
That mentioned, the excellent news is that you could stack the highest Amex Gives with different well-liked Amex perks, together with among the annual assertion credit that include the Platinum and the Enterprise Platinum playing cards. Eligibility for these presents is proscribed. Enrollment is required within the Amex Gives part of your account earlier than redeeming.
Associated: Your final information to Amex Gives
Journey advantages
Cardmembers have entry to quite a lot of insurance coverage insurance policies when reserving journey and going buying with their card, together with:
- Journey cancellation and interruption insurance coverage*
- Journey delay insurance coverage*
- Cellphone safety*
- Baggage insurance coverage**
- Buy safety**
- Return safety**
- Prolonged guarantee**
*Eligibility and profit degree varies 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.
**Eligibility and profit ranges differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Some playing cards have eradicated these protections over the previous few years, so these advantages present one more reason to e book your journey with an Amex Platinum.
The Platinum playing cards not solely defend you from a number of journey disasters however also can improve your journey expertise.
The Platinum playing cards get you entry to The International Lounge Assortment, giving cardmembers free entry into any Amex Centurion Lounge plus entry to various extra airport lounges as nicely. Entry is proscribed to eligible cardmembers. General, the gathering grants entry to over 1,400 VIP lounge places throughout 140 nations — a really priceless profit.
Certainly to be sought out by frequent flyers, the Platinum playing cards additionally present some supplemental advantages to make travels a bit simpler: Platinum Journey Service counselors may help set an itinerary to profit from your journeys, whereas International Eating Entry by Resy can get you into your most desired eating places. Most popular Entry is even a approach to snag unique seats at cultural and sporting occasions.
Enrollment is required for choose advantages; phrases apply.
Lodge advantages
One space the place these two playing cards overlap is entry to an array of lodge advantages. With each the private and enterprise Amex Platinum, you may obtain complimentary Gold standing at Hilton and Marriott and have entry to Amex Tremendous Lodges + Resorts. Enrollment is required for choose advantages; phrases apply.
Gold standing at Hilton comes with perks like complimentary breakfast, room upgrades when out there and an 80% level bonus on paid stays. Marriott Bonvoy Gold standing comes with advantages akin to precedence late checkout, upgrades when out there and a 25% level bonus.
Amex Tremendous Lodges + Resorts is a program that gives elitelike advantages at properties around the globe. These perks embrace assured late checkout, day by day breakfast for 2, room upgrades when out there and a novel property amenity (valued at $100 or extra).
Some properties on this program will even provide third, fourth or fifth nights free, which is a priceless profit while you’re not trying to make use of your lodge factors for a keep.
Whilst you solely want one Platinum card to get pleasure from these advantages, having each ensures you are profiting from advantages whereas maximizing incomes, whether or not your journey is for enterprise or pleasure.
Maximizing private and enterprise spending
Maybe one of many greatest advantages of getting each the private and enterprise variations of the Amex Platinum is that you could successfully earn 7.7% again on each airfare buy you set in your private Platinum Card (airfare booked instantly with the airline or via American Categorical Journey earns 5 factors per greenback on as much as $500,000 spent on these purchases per calendar 12 months; 1 level per greenback thereafter). This incomes price additionally holds true for pay as you go lodges booked via Amex Journey.
It’s because, when you could have the Enterprise Platinum Card, you could have the power to Pay with Factors to e book flights with Amex Journey, and doing so will get you 35% of your factors again (as much as 1 million factors per calendar 12 months). This primarily will get you a worth of 1.54 cents per level.
If you happen to earn 5 factors per greenback on eligible journey purchases after which redeem these factors at a worth of 1.54 cents, you are getting a return of seven.7%.
That mentioned, if you happen to maximize American Categorical’s array of priceless switch companions, you might be able to get much more worth. In any case, TPG values Amex Membership Rewards factors at 2 cents apiece as of our March 2025 valuations.
One thing else to contemplate is that the Amex Enterprise Platinum earns 1.5 factors per greenback on U.S. building materials and {hardware} purchases, U.S. electronics, cloud system suppliers and software program purchases and U.S. delivery suppliers. To high it off, the Enterprise Platinum additionally earns 1.5 factors per greenback on purchases of $5,000 or extra. Purchases that earn 1.5 factors per greenback are restricted to the primary $2 million each calendar 12 months (1 level per greenback thereafter).
Say, for instance, you make an $11,500 buy, and also you would not be eligible for a bonus with one other card. In complete, you’d earn 17,250 Membership Rewards factors on the Enterprise Platinum card — price about $345 based mostly on TPG’s valuations.
If you happen to have been to make use of one other eligible Amex card and not using a class bonus for what you are shopping for, you’d earn 11,500 Membership Rewards factors — price about $230.
Successfully, you would be getting greater than $100 further in worth by utilizing the Enterprise Platinum.
Associated: How you can maximize your incomes with the Amex Enterprise Platinum
Backside line
Utilizing each the private Amex Platinum Card and the Enterprise Platinum Card can get you the utmost worth on each your rewards-earning and redemptions, along with some nice cardmember perks.
The combo is ideal for business-owning vacationers who’ve a excessive price range and wish to make the most of enormous financial savings, beneficiant credit and opulent journey alternatives.
Though the annual prices are excessive, the suitable cardmembers could have no difficulty getting large worth out of this pairing. Every is a good card by itself, however having each in your pockets can get you much more Membership Rewards factors and provide help to stretch these factors additional when it comes time to make use of them for journey.
To study extra, learn our full critiques of the Amex Platinum and Amex Enterprise Platinum.
Apply right here: Amex Platinum
Apply right here: Amex Enterprise Platinum
For charges and costs of the Amex Platinum card, click on right here.
For charges and costs of the Amex Enterprise Platinum card, click on right here.