Given how fluid factors and miles packages could be, we frequently advise that you just diversify the varieties of journey rewards you earn. Nevertheless, it is typically a good suggestion to double down with a particular rewards program — particularly if it is one the place the factors are transferable to numerous totally different airways and resorts.
One such program is American Categorical Membership Rewards — and now’s a good time to ascertain a reserve of Membership Rewards factors with The Enterprise Platinum Card® from American Categorical and the American Categorical® Gold Card.
Each playing cards are at the moment providing strong introductory welcome provides that may have you ever contemplating whether or not to use for one, the opposite or each.
In actual fact, pairing the Amex Enterprise Platinum and Amex Gold playing cards could be the most effective Amex card duo attainable, because of their extremely complementary incomes constructions and advantages packages.
Listed below are a number of the causes you would possibly wish to maintain each in your pockets.
Two playing cards, two welcome bonuses
Let’s get the awkward half out of the best way. Each playing cards cost fairly excessive annual charges — $695 for the Amex Enterprise Platinum (see charges and costs) and $325 for the Amex Gold (see charges and costs). That is as much as $1,020 in charges every year, which is fairly pricey; the excellent news is that these charges could be offset within the first yr by these playing cards’ introductory provides.
New Amex Enterprise Platinum cardmembers can earn 150,000 bonus factors after spending $20,000 on purchases within the first three months of card membership. Plus, new cardmembers can earn a $500 assertion credit score after spending $2,500 on qualifying flights booked instantly with airways or via American Categorical Journey within the first three months of card membership. You may earn one or each of those provides. Supply ends June 30.
New Amex Gold cardmembers can earn 60,000 bonus factors after spending $6,000 within the first six months of card membership.
With out even taking their bonus spending classes under consideration, you would be an total factors haul of not less than 210,000 Amex Membership Rewards factors by hitting these spending necessities.
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You might even be capable of get a better welcome supply for the Amex Gold via the CardMatch device. Not everybody will obtain the identical provides, and provides could change at any time.
TPG’s Might 2025 valuations peg Amex Membership Rewards factors at 2 cents apiece, making 210,000 Membership Rewards factors price $4,200 — although probably rather more, relying on the way you redeem them.
Associated: Card showdown: Amex Enterprise Gold vs. Amex Enterprise Platinum
Maintain issues skilled
Talking of card mixtures, there are lots of nice explanation why you would possibly wish to get each a private and enterprise card. Doing so may also help you separate your work and private bills.
Placing greater, work-related spending on a enterprise card can maintain that exercise off your private credit score report, which might, in flip, assist increase your private credit score rating by decreasing your credit score utilization ratio.
The Amex Enterprise Platinum’s business-related assertion credit and particular incomes charges (see under) are two extra nice causes to place your work-related spending on that card as a substitute of a private one. Then, you may designate the Amex Gold Card for extra on a regular basis issues like U.S. grocery store purchases and eating bills.
Enrollment is required for choose advantages; phrases apply.
Associated: The ability of the Amex trifecta: Platinum, Gold and Blue Enterprise Plus
Incomes overdrive
One of many greatest promoting factors of getting each the Amex Enterprise Platinum and the Amex Gold is how one can combine and match their bonus-earning classes to maximise your on a regular basis spending.
Use the Amex Gold Card to rack up:
- 4 factors per greenback spent on eating at eating places worldwide (on as much as $50,000 a yr, then 1 level per greenback)
- 4 factors per greenback spent on groceries at U.S. supermarkets (on as much as $25,000 a yr, then 1 level per greenback)
- 3 factors per greenback spent on flights booked instantly with airways or on amextravel.com
- 2 factors per greenback spent on pay as you go resorts and different eligible purchases via amextravel.com.
- 1 level per greenback spent on all different purchases
Use the Amex Enterprise Platinum for:
- 5 factors per greenback spent on flights and pay as you go resorts on amextravel.com
- 1.5 factors per greenback spent on eligible purchases within the following areas (on as much as $2 million per calendar yr whole; 1 level per greenback spent thereafter):
- U.S. building materials and {hardware} suppliers
- U.S. digital items retailers and software program & cloud system suppliers
- U.S. delivery suppliers
- Every eligible buy of $5,000 or extra
- 1 level per greenback spent on all different purchases
To get a bit extra granular, should you are likely to guide airline tickets instantly with airways, you may proceed doing so with the Amex Gold because it earns 3 factors per greenback whether or not you employ it to pay via the airline or Amex Journey.
Nevertheless, should you can shift extra of your journey bookings to Amex Journey, you may leverage the Amex Enterprise Platinum’s 5 factors per greenback incomes fee not simply on airfare but additionally on pay as you go resorts.
You may guide resorts via Amex’s Resort Assortment with both card. The Amex Gold earns 2 factors per greenback on these bookings, whereas the Amex Enterprise Platinum earns 5 factors per greenback. Eligible prices range by property; a minimal two-night keep is required for Resort Assortment bookings.
Nevertheless, with the Amex Enterprise Platinum, you even have entry to even higher-end properties and extra useful perks via Amex Positive Inns + Resorts.
Associated: This is your information to the Amex Platinum pay as you go lodge credit score
Stretch your factors additional
Nevertheless, Amex Enterprise Platinum cardmembers obtain a 35% bonus utilizing Pay with Factors in two circumstances:
- For a first- or business-class ticket on any airline
- For a ticket in any cabin on the identical airline they designate for his or her as much as $200 airline price assertion credit score they obtain every calendar yr (enrollment is required; phrases apply)
This profit is capped at 1 million factors per calendar yr.
Whereas Pay with Factors is not for everybody, there are a couple of nice causes to make use of it. First, you get a strong worth of 1 cent per level redeemed this manner (or extra with the Amex Enterprise Platinum).
Second, you do not have to fret about switch companions, switch instances or award availability with a selected airline. Lastly, if you redeem by way of Pay with Factors, it is principally like paying money in your ticket, so you will nonetheless earn elite miles in your journey.
Have in mind, nevertheless, that resorts could not honor elite standing or supply elite night time credit for lodge stays booked via journey portals like Amex Journey.
Associated: The way to determine whether or not to make use of money or miles for airline tickets
Assertion credit galore
One other nice motive to have each the Amex Enterprise Platinum and the Amex Gold is to stack their numerous assertion credit.
The Amex Gold Card supplies as much as $10 monthly in Uber Money towards both rides or Uber Eats orders within the U.S. after including your card to your Uber account and paying with any Amex card (as much as $120 per calendar yr), plus an additional as much as $10 monthly in eating credit (as much as $120 per calendar yr) for a possible whole of as much as $240 in assertion credit every calendar yr.
If you happen to use the cardboard to make a Resort Assortment reserving of two nights or extra, you get a $100 on-site credit score for qualifying actions. You too can obtain as much as $100 in assertion credit every calendar yr (as much as $50 semi-annually) at Resy-affiliated eating places within the U.S. and on eligible Resy purchases. Moreover, you may obtain as much as $84 in assertion credit every calendar yr (as much as $7 a month) at U.S. Dunkin’ areas.
Enrollment is required for choose advantages; phrases apply.
For its half, the Amex Enterprise Platinum comes with a plethora of assertion credit. Amongst these to look out for are:
- As much as $400 per calendar yr in assertion credit towards U.S. Dell purchases (as much as $200 semi-annually)*
- As much as $360 per calendar yr with Certainly (as much as $90 per quarter)
- As much as $200 per calendar yr with Hilton (as much as $50 per quarter)
- As much as $200 in airline incidental price credit per calendar yr
- As much as $199 per calendar yr in assertion credit for a Clear Plus membership (topic to auto-renewal)
- As much as $150 per calendar yr with Adobe (topic to auto-renewal)* and as much as $120 towards U.S. wi-fi telephone payments every calendar yr (as much as $10 monthly)
- $120 towards International Entry or as much as $85 for TSA PreCheck (each 4 years for International Entry or each 4½ years for TSA PreCheck)
Enrollment is required; phrases apply.
*These credit are set to alter July 1.
Maximize all the assertion credit from each playing cards to get vital worth out of the annual charges you are paying. What’s extra, none of those assertion credit overlap from card to card, so you do not sacrifice something by carrying them each.
Associated: The totally different flavors of Amex Platinum – which one is best for you?
Different advantages
These embody entry to varied airport lounges, resembling Amex Centurion Lounges, Delta Sky Golf equipment* and Precedence Go lounges. You too can register for Gold elite standing with Marriott and Hilton.
Cardmembers additionally get elite standing with numerous rental automotive companies, plus Worldwide Airline Program reductions for people who fly premium cabins.
Enrollment is required for choose advantages; phrases apply.
*Eligible Enterprise 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. Cardmembers obtain limitless visits in the event that they spend $75,000 or extra in a calendar yr.
Incomes charges and assertion credit apart, these advantages alone could make carrying the Amex Enterprise Platinum price it. If you happen to journey not less than a couple of instances every year, lounge entry and lodge elite standing ought to be very straightforward to benefit from.
Associated: 8 issues to do if you get the American Categorical Enterprise Platinum Card
Backside line
It is often a good suggestion to diversify the varieties of journey rewards factors you earn. Nevertheless, given how versatile they’re, it could possibly additionally make sense to double down with one program or one other, together with Amex Membership Rewards.
The correct mix of Amex playing cards will rely in your wants and spending habits, however the Amex Enterprise Platinum and Amex Gold could make a profitable mixture because of their corresponding perks and bonus classes. You may get each to leverage not solely profitable welcome provides but additionally glorious on a regular basis factors accrual charges and different advantages to reinforce your journey expertise.
To be taught extra, take a look at our full evaluations of the Amex Gold and Amex Enterprise Platinum.
Apply right here: The Enterprise Platinum Card from American Categorical
Apply right here: American Categorical Gold Card
For charges and costs of the Amex Gold card, click on right here.
For charges and costs of the Amex Enterprise Platinum card, click on right here.
