The Platinum Card® from American Specific and The Enterprise Platinum Card® from American Specific have established themselves because the playing cards to have for those who’re occupied with luxurious journey advantages. With an overlapping rewards construction and comparable advantages, it is logical to query which of the 2 is one of the best for you. Or, if you have already got one of many playing cards, chances are 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 can have no downside incomes again the steep yearly charges, making them an amazing mixture relating to getting probably the most out of your journeys.
This is why it’s your decision each in your pockets.
Unimaginable welcome supply worth
Each playing cards include fairly substantial welcome gives. 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 chances are you’ll be focused for the next supply by way of the CardMatch Instrument — topic to vary at any time and never everybody will probably be focused for a similar gives).
In case you apply for each playing cards and earn the complete welcome bonuses, you may get at the very least 230,000 Membership Rewards factors. Primarily based 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 price?
Card credit
Each playing cards have plenty of credit to assist cardmembers get worth 12 months after 12 months. Enrollment is required for choose advantages; phrases apply.
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Usually, one of many best perks to make the most of with the Platinum playing cards is the annual airline price assertion credit score you may obtain every calendar 12 months.
On high of the airline price credit, the private Platinum card is loaded with annual gives. Cardmembers get pleasure from the next (some advantages require enrollment):
In relation to annual assertion credit, the Enterprise Platinum is not any slouch, both. It gives 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 monthly). 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 utility price (which you should utilize to pay for a frequent journey companion’s utility). 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 Presents
All American Specific playing cards, together with the Platinum and Enterprise Platinum playing cards, include entry to Amex Presents. You’ll find your obtainable gives for those who scroll all the way down to “Amex Presents & Advantages” in your on-line account web page or click on on the “Presents” tab on the Amex app. They’re focused to every cardmember and are available from retailers together with inns, journey suppliers, eating places and clothes and jewellery shops. These gives 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 Presents could be a nice deal alone, you are able to do even higher whenever you stack them with on-line buying portals to earn additional money again or bonus factors in your buy.
Be warned: Relying on the phrases of the supply, utilizing on-line portals, promo codes or different financial savings strategies may trigger your Amex Provide to not set off, so all the time learn the tremendous print within the phrases.
That stated, the excellent news is that you would be able to stack the highest Amex Presents with different common Amex perks, together with a number of the annual assertion credit that include the Platinum and the Enterprise Platinum playing cards. Eligibility for these gives is proscribed. Enrollment is required within the Amex Presents part of your account earlier than redeeming.
Associated: Your final information to Amex Presents
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, circumstances 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 fluctuate by card. Phrases, circumstances 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 ebook your journey with an Amex Platinum.
The Platinum playing cards not solely shield you from a number of journey disasters however may 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 plenty of extra airport lounges as properly. Entry is proscribed to eligible cardmembers. General, the gathering grants entry to over 1,400 VIP lounge areas throughout 140 international locations — 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 also 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 well-liked Entry is even a option 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 resort advantages. With each the private and enterprise Amex Platinum, you may obtain complimentary Gold standing at Hilton and Marriott and have entry to Amex High quality Resorts + Resorts. Enrollment is required for choose advantages; phrases apply.
Gold standing at Hilton comes with perks like complimentary breakfast, room upgrades when obtainable and an 80% level bonus on paid stays. Marriott Bonvoy Gold standing comes with advantages resembling precedence late checkout, upgrades when obtainable and a 25% level bonus.
Amex High quality Resorts + Resorts is a program that provides elitelike advantages at properties all over the world. These perks embody assured late checkout, every day breakfast for 2, room upgrades when obtainable and a singular property amenity (valued at $100 or extra).
Some properties on this program may even supply third, fourth or fifth nights free, which is a priceless profit whenever you’re not wanting to make use of your resort factors for a keep.
Whilst you solely want one Platinum card to get pleasure from these advantages, having each ensures you are benefiting from advantages whereas maximizing incomes, whether or not your journey is for enterprise or pleasure.
Maximizing private and enterprise spending
Maybe one of many largest advantages of getting each the private and enterprise variations of the Amex Platinum is that you would be able to successfully earn 7.7% again on each airfare buy you place in your private Platinum Card (airfare booked instantly with the airline or via American Specific 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 inns booked via Amex Journey.
It’s because, when you may have the Enterprise Platinum Card, you may have the flexibility to Pay with Factors to ebook 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.
In case you 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 stated, for those who maximize American Specific’s array of priceless switch companions, you could possibly get much more worth. In spite of everything, TPG values Amex Membership Rewards factors at 2 cents apiece as of our March 2025 valuations.
One thing else to think about is that the Amex Enterprise Platinum earns 1.5 factors per greenback on U.S. development materials and {hardware} purchases, U.S. electronics, cloud system suppliers and software program purchases and U.S. transport 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 whole, you’d earn 17,250 Membership Rewards factors on the Enterprise Platinum card — price about $345 based mostly on TPG’s valuations.
In case you 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 additional in worth through the use of the Enterprise Platinum.
Associated: Learn how to 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 funds and need to make the most of enormous financial savings, beneficiant credit and opulent journey alternatives.
Though the annual prices are excessive, the precise cardmembers can have no problem getting large worth out of this pairing. Every is a superb 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 evaluations 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.
