American Specific Platinum vs. American Specific Enterprise Platinum: Which premium Amex card is best for you?

Premium playing cards have advanced over the previous a number of years to draw and retain clients.

Two high playing cards for premium journey and way of life advantages are The Platinum Card® from American Specific and The Enterprise Platinum Card® from American Specific. Each playing cards have an annual payment of $695 (see charges and costs for the Amex Platinum and charges and costs for the Amex Enterprise Platinum).

Though each playing cards have some overlapping advantages, share switch companions and earn Membership Rewards factors, there are vital variations to think about when deciding which one is best for you.

Let’s look nearer on the Amex Platinum vs. the Amex Enterprise Platinum to see which makes probably the most sense in your pockets.

Amex Platinum vs. Amex Enterprise Platinum comparability

Earlier than we dive into extra particulars, here is a comparability of the 2 playing cards’ welcome affords, incomes charges, main perks and obtainable credit for cardmembers.

Amex Platinum vs. Amex Enterprise Platinum welcome provide

Every card comes with a beneficiant welcome provide, however the minimal spend required to earn the bonus is the place they actually differ.

New cardmembers can earn 80,000 bonus factors after spending $8,000 on the Amex Platinum — with six months to finish the spending, so a median of simply over $1,000 per 30 days.

Nonetheless, the Enterprise Platinum requires a a lot steeper minimal spend of $20,000 throughout the first three months to earn its 150,000-point bonus. Plus, you will must spend $2,500 immediately with airways or Amex Journey (spending doesn’t all have to come back from one airline) inside three months to earn the $500 assertion credit score. You’ll be able to earn one or each of those affords. This provide ends on June 30.

This requires spending a median of $6,667 per 30 days to earn the bonus factors. Roughly $834 of your spending every month must be on simply airfare to earn the $500 assertion credit score.

Based mostly on TPG’s April 2025 valuations, Membership Rewards factors are value 2 cents every. That makes the Amex Platinum’s welcome bonus value $1,600. In distinction, the Amex Enterprise Platinum’s bonus is value $3,500 if you embrace the assertion credit score, making them two of probably the most priceless affords available on the market.

Nonetheless, some TPG readers have been focused for even higher affords, like as much as 150,000 factors on the non-public Amex Platinum. Examine your eligibility utilizing the CardMatch device (word that these affords are topic to vary at any time, and never everybody will obtain the identical affords).

Winner: Amex Enterprise Platinum. Its bonus is value as much as $1,900 greater than the Amex Platinum’s.

Amex Platinum vs. Amex Enterprise Platinum advantages

Each of those playing cards excel with regards to journey and way of life perks.

Advantages supplied to each playing cards

Enrollment is required for choose advantages; phrases apply.

*Eligibility and profit ranges fluctuate 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.

**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per yr to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.

Shopper Amex Platinum advantages

The buyer Amex Platinum affords these unique perks (enrollment is required for choose advantages; phrases apply):

• Pay as you go resort reserving credit score: As much as $200 assertion credit score every calendar yr on pay as you go bookings at Positive Inns + Resorts or The Lodge Assortment properties made via American Specific Journey (minimal two-night keep requirement for The Lodge Assortment)
• Uber credit score: As much as $15 in Uber Money every month to make use of on Uber rides or Uber Eats orders within the U.S., with an extra as much as $20 for December (as much as $200 every calendar yr; should add your card as a fee technique in your Uber account; redeem with any Amex card)
• Saks Fifth Avenue credit score: As much as $100 every calendar yr in Saks Fifth Avenue assertion credit (as much as $50 to make use of January via June and as much as $50 to make use of July via December)
• Digital leisure credit score: As much as $20 in month-to-month assertion credit for subscriptions to The New York Instances, Peacock, The Wall Road Journal, Disney+, Hulu, ESPN+ or the Disney Bundle (as much as $240 every calendar yr)
• Equinox credit score: As much as $300 annual assertion credit score for choose Equinox memberships or a digital subscription to Equinox+ health app (topic to auto-renewal)
• Walmart+ membership credit score: As much as $12.95 in month-to-month assertion credit for one month-to-month Walmart+ membership (topic to auto-renewal); Plus Up Advantages not eligible (as much as $155 every calendar yr)

As you’ll be able to see, this will ship a ton of worth, particularly in the event you already use a few of the eligible providers.

Associated: 10 issues to do if you get the Amex Platinum

Enterprise Platinum advantages

In the meantime, the Enterprise Platinum card has the next unique perks (enrollment is required for choose advantages; phrases apply):

• 35% airline factors bonus: Obtain 35% of your factors again when paying with factors for flights booked with Amex Journey. This is applicable to any flights in your most well-liked airline (chosen prematurely) or flights in first or enterprise class with any airline. As much as a million factors are allowed as a rebate.
• Dell assertion credit score: As much as $200 to make use of January via June and as much as $200 to make use of July via December on U.S. Dell purchases (as much as $400 every calendar yr)^
• Adobe assertion credit score: As much as $150 in assertion credit every calendar yr for eligible Adobe purchases (applies solely to pay as you go plans with Artistic Cloud or Acrobat Professional DC with e-sign for groups; topic to auto-renewal)^
• Certainly assertion credit: As much as $90 per quarter in assertion credit for spending with Certainly (as much as $360 every calendar yr)
• Month-to-month wi-fi credit: As much as $10 in month-to-month assertion credit for spending on wi-fi plans with U.S. suppliers (as much as $120 every calendar yr)
• Hilton assertion credit score: As much as $50 per quarter in assertion credit on Hilton purchases (as much as $200 per calendar yr)

^Advantages altering on July 1

Winner: Tie. Every card affords assertion credit that may present worth primarily based on the providers a person or enterprise could use.

Associated: Have an Amex Enterprise Platinum card? Remember to register for these perks

Incomes factors with the Amex Platinum vs. Amex Enterprise Platinum

Each playing cards earn 5 factors per greenback if you buy airfare and pay as you go resort rooms from Amex Journey. Nonetheless, the non-public Amex Platinum additionally earns 5 factors per greenback on airfare bought immediately with airways.

One draw back is that the Amex Platinum’s bonus-earning on airfare is restricted to the primary $500,000 spent every calendar yr (then 1 level per greenback), however it’s unlikely that almost all cardmembers will spend this a lot in a yr.

Then again, the Amex Enterprise Platinum card is nice for enterprise house owners who commonly make giant purchases with the cardboard since purchases of at the very least $5,000 and in choose enterprise classes earn 1.5 factors per greenback (on as much as $2 million of those purchases per yr, then 1 level per greenback).

Winner: Amex Enterprise Platinum. Its higher for giant purchases, however word it’s a must to e-book airfare via Amex Journey to earn bonus factors with this card in case your buy is lower than $5,000.

Redeeming factors on the Amex Platinum vs. Amex Enterprise Platinum

American Specific Membership Rewards factors are probably the most priceless loyalty currencies on the market. In line with TPG’s April 2025 valuations, Amex factors are value 2 cents apiece.

With 21 switch companions, Membership Rewards factors from these playing cards might help you journey to simply about anyplace on this planet.

One profit that is unique to the Enterprise Platinum card is that if you e-book any flight immediately with factors via Amex Journey in your preselected airline — or enterprise or first-class on any airline — you will obtain a 35% rebate of the factors you used (as much as a million factors every calendar yr).

Apart from journey, Membership Rewards factors could be redeemed for reward playing cards, to pay for purchases at Amazon.com and for assertion credit. We at all times suggest redeeming your factors for journey to get probably the most worth out of them.

Winner: Amex Enterprise Platinum. Whereas each playing cards have equivalent redemption choices, the Amex Enterprise Platinum affords a 35% factors rebate on eligible flights (as much as a million factors per calendar yr).

Transferring factors with the Amex Platinum vs. Amex Enterprise Platinum

Each the Amex Platinum and Amex Enterprise Platinum share entry to the identical 21 resort and airline companions.

Some profitable switch companions that provide nice redemption choices embrace Air Canada Aeroplan, Air France-KLM Flying Blue and Avianca LifeMiles.

TPG bank cards author Danyal Ahmed transferred 20,000 factors from his Amex Platinum to Aeroplan to e-book a lie-flat enterprise class intra-Europe flight on Turkish Airways from London to Istanbul. This was a incredible deal; given the money fare was $1,236, he obtained a price of over 6 cents per level, far increased than TPG’s April 2025 valuation of two cents per level for Membership Rewards factors.

Ought to I get the Amex Platinum or Amex Enterprise Platinum?

For those who’re in search of a premium card loaded with journey perks and do not have a enterprise or the substantial bills that include one, the non-public Amex Platinum ought to suffice. Nonetheless, in the event you spend so much on enterprise bills and may make the most of its business-related assertion credit, the Amex Enterprise Platinum is the way in which to go.

Backside line

These in search of premium perks are sometimes drawn to the American Specific Platinum playing cards — whether or not private or small-business — since they provide quite a few perks at residence and on the highway.

Options like lounge entry, journey protections and very priceless factors are only a few of the points of interest. It might make sense to have each in your pockets, however guarantee your skilled and private spending habits make each annual charges value it.

To study extra, learn our full evaluations of the Amex Platinum and Amex Enterprise Platinum.

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Apply right here: Amex Platinum
Apply right here: Amex Enterprise Platinum

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For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Amex Enterprise Platinum, click on right here.