Amex Platinum vs. Enterprise Platinum: Which card is finest?

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

Two prime playing cards for premium journey and life-style advantages are The Platinum Card® from American Categorical and The Enterprise Platinum Card® from American Categorical.

Each playing cards have an annual payment of $695 (see charges and charges for the Amex Platinum and charges and charges for the Amex Enterprise Platinum).

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

Let’s evaluate the Amex Platinum vs. the Amex Enterprise Platinum to see which is finest to your pockets.

Amex Platinum vs. Amex Enterprise Platinum comparability

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

Amex Platinum vs. Amex Enterprise Platinum welcome supply

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

Potential Amex Platinum cardmembers can apply and discover out their supply and see if they’re eligible to earn as excessive as 175,000 Membership Rewards Factors after spending $8,000 on purchases inside the first six months of card membership — so a mean of simply over $1,333 monthly.

Nevertheless, the Enterprise Platinum requires a a lot steeper minimal spend of $20,000 inside the first three months to earn its 150,000-point bonus. This requires spending a mean of $6,667 monthly to earn the bonus factors.

Primarily based on TPG’s July 2025 valuations, Membership Rewards factors are price 2 cents every. That makes the Amex Platinum’s welcome bonus price as much as $3,500. In distinction, the Amex Enterprise Platinum’s bonus is price $3,000 whenever you embrace the assertion credit score, making these two of probably the most worthwhile presents in the marketplace.

Winner: Tie (should you’re authorized for the very best supply on the Amex Platinum).

Associated: This is why I am maintaining the Amex Platinum after the Sapphire Reserve’s adjustments

Amex Platinum vs. Amex Enterprise Platinum advantages

Each of those playing cards excel relating to journey and life-style perks.

Advantages supplied to each playing cards

Enrollment is required for choose advantages; phrases apply.

*Eligibility and profit ranges differ 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.

**Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.

Client Amex Platinum advantages

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

• Pay as you go lodge reserving credit score: As much as $200 assertion credit score every calendar 12 months on pay as you go bookings at Advantageous Lodges + Resorts or The Resort Assortment properties made via American Categorical Journey (minimal two-night keep requirement for The Resort 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 a further as much as $20 for December (as much as $200 every calendar 12 months; 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 12 months 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 12 months)
• 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)
• SoulCycle: As much as $300 in assertion credit per calendar 12 months towards the acquisition of a SoulCycle bike (as much as 15 bikes per calendar 12 months); have to be enrolled in an Equinox+ membership to be eligible for this profit.
• 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 12 months)

As you may see, this could ship a ton of worth, particularly should you already use a number of the eligible providers.

Associated: 10 issues to do whenever 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 popular airline (the identical one you chose to your airline incidental credit score) or flights in first or enterprise class with any airline. As much as a million factors are allowed as a rebate. Nevertheless, beginning Sept. 18, this profit is being devalued as now you’ll solely be capable of earn factors again in your designated airline, whatever the cabin class of your ticket.
• Dell assertion credit score: As much as $150 in assertion credit on U.S. purchases made immediately at Dell and a further as much as $1,000 assertion credit score after spending $5,000 or extra at Dell every calendar 12 months.
• Adobe assertion credit score: As much as $250 in assertion credit after spending $600 or extra on U.S. purchases made immediately at Adobe every calendar 12 months
• Certainly assertion credit: As much as $90 per quarter in assertion credit for spending with Certainly (as much as $360 every calendar 12 months)
• 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 12 months)
• Hilton assertion credit score: As much as $50 per quarter in assertion credit on Hilton purchases (as much as $200 per calendar 12 months)

Winner: Tie. Every card presents assertion credit that may present worth based mostly on the providers a person or enterprise might use.

Associated: Have an Amex Enterprise Platinum card? Do not forget to register for these perks

Incomes factors with the Amex Platinum vs. Amex Enterprise Platinum

The Amex Platinum earns:

• 5 factors per greenback spent on flights booked immediately with airways or through American Categorical Journey (on as much as $500,000 of those purchases per calendar 12 months, then 1 level per greenback) (10% return based mostly on TPG’s July 2025 valuations)
• 5 factors per greenback spent on pay as you go resorts booked with Amex Journey (10% return)
• 1 level per greenback spent on different purchases (2% return)

Then again, the Amex Enterprise Platinum earns:

• 5 factors per greenback spent on flights and pay as you go resorts booked with Amex Journey (10% return)
• 1.5 factors per greenback spent on purchases of $5,000 or extra and in choose enterprise classes within the U.S. (development materials and {hardware} suppliers, electronics items retailers, software program and cloud system suppliers and delivery suppliers) on as much as $2 million of purchases in a calendar 12 months, then 1 level per greenback (3% return)
• 1 level per greenback spent on different purchases (2% return)

Each playing cards earn 5 factors per greenback whenever you buy airfare and pay as you go lodge rooms from Amex Journey. Nevertheless, the private Platinum overridetext=”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 12 months (then 1 level per greenback), nevertheless it’s unlikely that almost all cardmembers will spend this a lot in a 12 months.

The Enterprise Platinum card is nice for enterprise house owners who often make giant purchases with the cardboard since purchases of a minimum of $5,000 and in choose enterprise classes earn 1.5 factors per greenback (on as much as $2 million of those purchases per 12 months, then 1 level per greenback).

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

Associated: Who ought to (and should not) get the American Categorical Platinum?

Redeeming factors on the Amex Platinum vs. Amex Enterprise Platinum

American Categorical Membership Rewards factors are some of the worthwhile loyalty currencies on the market. In accordance with TPG’s July 2025 valuations, Amex factors are price 2 cents apiece.

With 20 switch companions, Membership Rewards factors from these playing cards will help you journey to only about anyplace on this planet.

One profit that is unique to the Enterprise Platinum card is that whenever you e book any flight immediately with factors via Amex Journey in your preselected airline or enterprise or top quality on any airline, you will obtain a 35% rebate of the factors you used (till Sept. 18, thereafter you will solely obtain factors again in your designated airline whatever the cabin class; as much as a million factors every calendar 12 months).

Apart from journey, Membership Rewards factors might 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 similar redemption choices, the Amex Enterprise Platinum presents a 35% factors rebate on eligible flights (as much as a million factors per calendar 12 months).

Associated: 7 causes you may want the Amex Enterprise Platinum Card as an alternative of the Amex Platinum Card

Transferring factors with the Amex Platinum vs. Amex Enterprise Platinum

Each the Amex Platinum and Amex Enterprise Platinum share entry to the identical 20 lodge and airline companions.

Some profitable switch companions that supply nice redemption choices embrace Air Canada Aeroplan, Air France-KLM Flying Blue and Singapore Airways KrisFlyer

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 unbelievable deal; given the money fare was $1,236, he obtained a worth of over 6 cents per level, far larger than TPG’s July 2025 valuation of two cents per level for Membership Rewards factors.

Associated: The facility of the Amex Trifecta: Platinum, Gold and Blue Enterprise Plus

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

When you’re on the lookout for a premium card loaded with journey perks and haven’t got a enterprise or the substantial bills that include one, the private Amex Platinum ought to suffice. Nevertheless, should you spend loads on enterprise bills and might make the most of its business-related assertion credit, the Amex Enterprise Platinum is the way in which to go.

Backside line

These on the lookout for premium perks are sometimes drawn to the American Categorical Platinum playing cards — whether or not private or small-business — since they provide quite a few perks at residence and on the street.

Options like lounge entry, journey protections and intensely worthwhile factors are only a few of the points of interest. It could make sense to have each in your pockets, however guarantee your skilled and private spending habits make each annual charges price 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 charges of the Amex Platinum, click on right here.
For charges and charges of the Amex Enterprise Platinum, click on right here.