Within the American Specific lineup of small-business playing cards, the American Specific® Enterprise Gold Card and The Enterprise Platinum Card® from American Specific are two widespread choices.
However similar to their shopper counterparts, these two playing cards are every geared towards cardholders with completely different objectives and desires.
Let’s evaluation these playing cards to see how the refreshed Amex Enterprise Gold competes with the Amex Enterprise Platinum.
Amex Enterprise Gold vs. Amex Enterprise Platinum comparability
| Amex Enterprise Gold | Amex Enterprise Platinum | |
|---|---|---|
| Welcome bonus | Earn 100,000 Membership Rewards factors after spending $15,000 on eligible purchases inside the first three months of card membership. Additionally get pleasure from a 0% introductory annual share fee for six months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% – 27.49% variable APR(see charges and costs) | Earn 150,000 Membership Rewards factors after spending $20,000 on eligible purchases within the first three months of card membership. Plus, earn a $500 assertion credit score after spending $2,500 on qualifying flights booked straight with airways or by way of American Specific Journey within the first three months of card membership. You’ll be able to earn one or each elements of this provide, which ends June 30. |
| Annual payment | $375 (see charges and costs) | $695 (see charges and costs) |
| Incomes charges |
|
|
| Advantages (enrollment is required) |
|
Enrollment is required. |
| Redemption bonus | None | Obtain 35% again on Pay with Factors flight redemptions (as much as 1,000,000 factors again per calendar yr) for first- and business-class tickets with any airline and for all fare courses together with your chosen airline from an inventory of qualifying airways booked by way of American Specific Journey. |
*Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Amex Enterprise Gold vs. Amex Enterprise Platinum welcome provide
The welcome provide on the Amex Enterprise Platinum Card is even higher. New candidates earn 150,000 factors after spending $20,000 on eligible purchases within the first three months of card membership. Plus, new candidates will earn a $500 assertion credit score after spending $2,500 on qualifying flights booked straight with airways or by way of American Specific Journey within the first three months of card membership. You’ll be able to earn one or each elements of this provide, which ends June 30. In line with TPG’s April 2025 valuations, the welcome provide for the Enterprise Platinum is price a staggering $3,500, together with the assertion credit score. Nonetheless, it has a considerably greater spending threshold to earn the bonus.
Winner: Amex Enterprise Platinum. So long as you possibly can meet the cardboard’s hefty minimal spending requirement, it is welcome provide supplies extra worth.
Amex Enterprise Gold vs. Amex Enterprise Platinum advantages
As premium enterprise journey rewards playing cards, each include lots of the similar options:
- Journey protections (journey delay insurance coverage***, baggage insurance coverage**, and automotive rental loss and harm insurance coverage**): Enterprise Gold Card holders obtain as much as $500 price of insurance coverage for broken, stolen or misplaced checked luggage ($1,250 for carry-ons). In the meantime, Enterprise Platinum Card holders obtain as much as $2,000 for checked luggage ($3,000 for carry-ons) when touring on any widespread service, similar to plane, trains, ships and buses.
- Buy safety**: Your eligible purchases are lined in opposition to unintentional harm or theft for 90 days for as much as $1,000 per incident with the Enterprise Gold and as much as $10,000 per incident with the Enterprise Platinum for as much as $50,000 per cardmember account, per calendar yr. Nonetheless, protection associated to pure disasters is restricted to $500 per incident.
- Prolonged guarantee**: Your purchases obtain as much as one extra yr of guarantee service on purchases with warranties of 5 years or much less. Protection is as much as the precise quantity charged to your card for the merchandise (as much as a most of $10,000, to not exceed $50,000 per cardmember account, per calendar yr).
- Cellphone Safety***: Obtain reimbursements for the restore or substitute prices for harm or theft with a most restrict of $800 per declare (as much as two claims in a 12-month interval). So as to be eligible, the wi-fi invoice for the cellphone line have to be paid utilizing both the Enterprise Gold or Enterprise Platinum. A $50 deductible is utilized to permitted claims.
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**Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
***Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
The Amex Enterprise Gold has assertion credit, placing it extra on par with its counterpart, the Amex Enterprise Platinum. Cardmembers will obtain as much as $240 per calendar yr (as much as $20 a month in assertion credit) for eligible purchases at FedEx, Grubhub and workplace provide shops. Moreover, cardmembers will obtain as much as $155 again per calendar yr in assertion credit for a month-to-month Walmart+ membership (topic to auto-renewal; excluding Plus Ups).
Nonetheless, the Amex Enterprise Platinum has many advantages past what the Amex Enterprise Gold presents. These advantages are sufficient to offset the cardboard’s excessive annual payment however are additionally tailor-made to assist companies with prices. Assertion credit embrace as much as $400 with Dell Applied sciences (as much as $200 biannually), as much as $360 with Certainly (as much as $90 quarterly), as much as $150 with Adobe Artistic Cloud or Professional DC and as much as $120 with U.S. wi-fi service suppliers (as much as $10 month-to-month) per calendar yr.
The Dell and Adobe assertion credit will finish June 30, so if you’re a brand new cardmember, make sure to use them absolutely earlier than these advantages finish. Enrollment is required for choose advantages. Beginning July 1, these assertion credit will change extensively. Cardmembers will obtain as much as $150 in assertion credit on U.S. purchases made straight at Dell and as much as an extra $1,000 assertion credit score after spending $5,000 or extra at Dell from July 1 by way of Dec. 31 and for every calendar yr after. For Adobe, cardmembers will obtain as much as $250 after spending $600 or extra on U.S. purchases made straight with Adobe from July 1 by way of Dec. 31, then for every calendar yr after.
However the place the Amex Enterprise Platinum shines is with its journey advantages, together with an as much as $200 airline payment credit score per calendar yr to your selection of airline towards incidental purchases, an as much as $199 Clear Plus credit score per calendar yr, and an as much as $120 assertion credit score for World Entry (each 4 years) or an as much as $85 assertion credit score for TSA PreCheck (each 4 1/2 years).
Cardholders additionally get pleasure from entry to an intensive assortment of airport lounges, together with Amex’s personal Centurion Lounges, Plaza Premium lounges, Precedence Cross lounges, Lufthansa lounges (with a same-day Lufthansa flight, whatever the ticketed cabin) and Escape Lounges. This additionally contains Delta Sky Membership entry — eligible Enterprise Platinum Card members will obtain 10 visits per eligible card, per yr to Delta Sky Golf equipment and grab-and-go areas when touring on a same-day, Delta-operated flight, except they spend $75,000 with their card in a calendar yr to get pleasure from limitless entry. Enrollment is required for choose advantages; phrases apply.
Extra Amex Enterprise Platinum journey advantages embrace complimentary Marriott Bonvoy Gold Elite standing and Hilton Honors Gold standing. Enrollment is required, and phrases apply.
Lastly, the Amex Enterprise Platinum presents Pay with Factors bonuses on choose flights booked by way of American Specific Journey. Once you use Membership Rewards factors to e-book first- or business-class flights on any airline or economic system tickets in your designated airline, you will get pleasure from 35% of them again as a Enterprise Platinum Card member.
Winner: Amex Enterprise Platinum. It presents an excellent vary of assertion credit and journey perks.
Incomes factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
As American Specific-issued playing cards, each the Enterprise Gold and Enterprise Platinum earn factors within the Membership Rewards ecosystem however at completely different charges and in numerous classes.
The Amex Enterprise Gold has helpful business-friendly bonus classes that earn 4 factors per greenback. A novel facet of incomes on this card is that you will mechanically earn 4 factors per greenback in your prime two spending classes every billing cycle, so there is no want to pick out a class and decide to it. The eligible classes are:
- U.S. purchases for promoting in choose media
- U.S. purchases at fuel stations
- U.S. purchases at eating places
- Transit purchases, together with trains, taxis, ride-hailing providers, tolls, ferries, buses, parking and subways
- U.S. purchases made with digital items retailers and software program and cloud service suppliers
- Month-to-month wi-fi phone costs made straight with U.S. service suppliers
The Amex Enterprise Gold additionally earns 3 factors per greenback spent on flights, pay as you go inns and pay as you go flight-and-hotel packages which can be booked straight with Amex Journey.
Compared to the Enterprise Gold, the Amex Enterprise Platinum presents a restricted variety of classes to earn factors. The eligible classes embrace:
- Flights and pay as you go inns booked by way of amextravel.com (5 factors per greenback)
- Eligible enterprise classes (U.S. building materials and {hardware} suppliers, digital items retailers, software program and cloud system suppliers, and delivery suppliers) and purchases of $5,000 or extra in any class (1.5 factors per greenback; applies to as much as $2 million in purchases per calendar yr, then 1 level per greenback)
- All different eligible purchases (1 level per greenback)
Winner: Amex Enterprise Gold. Cardmembers can earn bonus factors by way of a number of classes.
Associated: Maximize your incomes with the Amex Enterprise Gold
Redeeming factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
Membership Rewards factors earned with the Amex Enterprise Gold and the Amex Enterprise Platinum could be redeemed towards assertion credit, used for journey purchases (similar to airfare or inns) by way of American Specific Journey and transferred to the issuer’s 21 airline and lodge companions.
Nonetheless, there are slight variations between choose flights booked through Amex Journey with the issuer’s Pay with Factors characteristic.
One noteworthy distinction between the 2 playing cards is that the Amex Enterprise Platinum presents a 35% Pay with Factors rebate (as much as 1 million factors again per calendar yr).
Winner: Amex Enterprise Platinum. The flexibility to make use of Pay with Factors offers this card the higher hand.
Transferring factors with the Amex Enterprise Gold vs. Amex Enterprise Platinum
Chris Nelson, a bank cards author at TPG, recurrently transfers factors to Avianca LifeMiles and has secured transatlantic flights to Europe from Newark for as little as 17,000 factors in economic system.
Winner: Tie. Each playing cards provide the very same record of switch companions and ratios.
Ought to I get the Amex Enterprise Gold or Amex Enterprise Platinum?
That mentioned, the Amex Enterprise Gold is a greater match for small-business homeowners who need to earn as many factors as doable on on a regular basis enterprise spending throughout all kinds of classes, all for a manageable annual payment of $375 (see charges and costs).
Backside line
Every of those enterprise playing cards from American Specific may very well be an excellent match to your wants. Relying on the scale and nature of your organization, you would possibly even think about getting each playing cards. You might carry the Enterprise Gold to maximise the cardboard’s bonus classes and maintain a Enterprise Platinum to get pleasure from advantages like Centurion Lounge entry, rental automotive elite standing and a 35% bonus on factors redeemed for choose airfare by way of Amex Journey.
By inspecting what you are promoting wants, you possibly can select the perfect mixture of playing cards to maximise your award journey potentialities.
For extra data, see our full critiques of the Amex Enterprise Gold and Amex Enterprise Platinum.
Apply right here: The Enterprise Platinum Card from American Specific
Apply right here: American Specific Enterprise Gold Card
For charges and costs of the Amex Enterprise Gold Card, click on right here.
For charges and costs of the Amex Enterprise Platinum Card, click on right here.
