Why it is sensible to have each Amex Platinum playing cards

The American Specific Platinum Card® and The Enterprise Platinum Card® from American Specific have established themselves as two of the highest playing cards to have when you prioritize luxurious journey advantages.

With an overlapping rewards construction and comparable advantages, it is pure to marvel which of the 2 is the most effective for you. Or, if you have already got one of many playing cards, you is perhaps questioning if it is value getting the opposite as effectively.

Properly, it might really work out in your favor to make room for each playing cards in your pockets — even with the $895 annual charge hooked up to every one (see charges and charges for the patron Platinum and the Enterprise Platinum).

Every card options advantages that complement the opposite, and plenty of frequent vacationers can have no drawback offsetting the steep annual charges, making each playing cards a fantastic mixture for maximizing your journeys.

Here is why it would make sense so that you can have each in your pockets.

2 welcome bonuses

Each playing cards include substantial welcome presents.

Proper now, the Enterprise Platinum Card is providing a fantastic welcome bonus: Earn 200,000 bonus factors after spending $20,000 in eligible purchases on the cardboard inside the first three months of card membership.

New shopper Platinum cardmembers can discover out their supply and could also be eligible for as excessive as 175,000 bonus factors after spending $8,000 within the first six months of card membership. Welcome presents differ, and also you might not be eligible for a proposal.

In case you apply for each playing cards and earn the complete/highest welcome bonuses, you will get a minimum of 375,000 factors. Primarily based on TPG’s October 2025 valuations, that is value as much as $7,500 — greater than 4 instances the mixed price of the annual charges.

Associated: Is the Amex Enterprise Platinum well worth the annual charge?

Assertion credit

Each playing cards have credit to assist cardmembers get worth 12 months after 12 months.

Overlapping credit

Usually, one of many best perks to reap the benefits of with the Platinum playing cards is the annual airline charge assertion credit score you will obtain. Every card presents as much as $200 every calendar 12 months that can be utilized to cowl incidental purchases with one airline, akin to seat upgrades, lounge passes and inflight drinks.

For instance, when you have each playing cards, you may use one credit score for Delta Air Strains purchases and the opposite for United Airways.

Each playing cards additionally supply:

You might use one card to cowl your personal Clear Plus and International Entry membership after which the opposite to cowl a beloved one’s membership.

Distinctive credit

For the remainder of the credit, the non-public card presents primarily journey and lifestyle-related credit, whereas the enterprise card focuses on getting worth out of enterprise bills.

For instance, the Platinum Card presents an as much as $300 annual (as much as $75 quarterly) assertion credit score at U.S. Lululemon shops (excluding retailers) and on-line* and an as much as $400 annual (as much as $100 quarterly) Resy assertion credit score at eligible U.S. Resy eating places; no reservation is required.*

In the meantime, the Enterprise Platinum presents as much as $200 in annual assertion credit for Hilton purchases (as much as a complete of $50 per quarter).* You need to use this credit score to cowl room prices and incidental purchases like room service and minibar objects. Separate enrollment in Hilton for Enterprise is required.

*Enrollment is required for choose advantages.

The Enterprise Platinum moreover presents outsize worth — particularly when you’re a excessive spender. For instance, when you spend $250,000 on eligible purchases, you’ll be able to unlock as much as a $1,200 Amex Journey on-line flight assertion credit score and as much as a $2,400 One AP assertion credit score (legitimate from January 1 to December 31 of the calendar 12 months following the 12 months you reached the spending requirement; One AP entry is topic to auto-renewal).

Associated: 9 issues to do if you get the Amex Enterprise Platinum

Even when you solely use half of the credit, you’ll be able to totally cowl the mixed annual charges of each playing cards.

Maximizing incomes charges and redemptions

Maybe one of many greatest advantages of getting each the non-public and enterprise variations of the Platinum Card is the earnings price.

It is best to use your Platinum Card for private bills and most airfare. The private card earns 5 factors per greenback spent on airfare booked instantly with the airline and thru American Specific Journey® (as much as $500,000 spent on airfare per calendar 12 months, then 1 level thereafter), whereas the enterprise model solely presents it for Amex Journey bookings.

Then, it is best to use your Enterprise Platinum for enterprise bills and to earn:

• 2 factors per greenback spent on purchases at U.S. building materials and {hardware} suppliers, digital items retailers and software program and cloud system suppliers and delivery suppliers, in addition to on eligible purchases of $5,000 or extra (as much as $2 million of those purchases per calendar 12 months).
• 5 factors per greenback spent on flights booked by way of Amex Journey (as soon as you have hit your spending cap on the non-public card)

Then, the factors you earn on each playing cards will be mixed and transferred to considered one of Amex’s 20 airline and lodge companions, generally with a switch bonus.

When you have the enterprise card, you too can get 35% of your factors again (as much as 1 million factors per calendar 12 months) when reserving flights by way of Amex Journey. (For eligible flights together with your chosen airline.)

Associated: maximize your incomes with the Amex Enterprise Platinum

Licensed customers

Each variations of the Platinum playing cards mean you can add approved customers.

The Platinum Card means that you can add approved customers for $195 every (see charges and charges). The Enterprise Platinum Card will mean you can add as much as 99 no-annual-fee worker playing cards (see charges and charges), in addition to approved customers for a steep $400 per card (see charges and charges).

For instance, you may add your loved ones members as approved customers to the non-public card and your staff as approved customers to the enterprise card. They’d all get pleasure from:

(Enrollment is required for choose advantages.)

Associated: Must you get your personal Platinum Card or be a certified consumer on another person’s account?

Amex Gives

All American Specific playing cards, together with the Platinum and Enterprise Platinum playing cards, include entry to Amex Gives. These mean you can earn an announcement credit score or bonus factors when purchasing with a collaborating service provider like Amazon, Nike or Sephora.

Oftentimes, each playing cards have the identical or very comparable presents. Nevertheless, many of those presents have limits on the variety of bonus factors or financial savings you’ll be able to earn, so by having each playing cards, you’ll be able to double dip on the rewards together with your favourite retailers.

Whereas Amex Gives will be nice offers on their very own, you are able to do even higher if you stack them with on-line purchasing portals to earn further money again or bonus factors in your buy. And you too can stack them on high of an announcement credit score that your card presents.

So, when you discover an Amex Supply for Dell, you’ll be able to click on by way of a purchasing portal and use your Enterprise Platinum to stack your as much as $1,150 annual assertion credit score**, Amex Supply and purchasing portal rewards.

**As much as a $150 assertion credit score every year for U.S. purchases and an extra $1,000 assertion credit score after spending $5,000 on U.S. purchases every calendar 12 months; enrollment required.

Associated: Your final information to saving cash with Amex Gives

Separating bills

Another excuse to carry each playing cards is to separate bills, which entails placing private bills on a private card and enterprise bills on a enterprise card. It is a good follow and will be particularly useful come tax season since it will assist streamline your bills.

Enterprise bills are typically bigger than private bills. So, when you have eligible bills, it is useful to place them on the Enterprise Platinum, as you will earn 2 factors per greenback spent (in comparison with placing them on the non-public card).

Associated: Can you employ a enterprise bank card for private bills?

Backside line

The private and enterprise Platinum playing cards can complement one another properly, as each supply helpful cardmember perks. Regardless of the steep annual charges of each playing cards, the annual credit and incomes potential can simply present extra worth than the mixed annual charge of each playing cards.

This card mixture is just not proper for everybody. Nevertheless, for small-business homeowners who’ve a big finances and wish to reap the benefits of beneficiant credit and opulent journey alternatives, it could possibly be a worthwhile addition to your pockets.

To be taught extra, learn our full opinions of the Platinum Card and the Amex Enterprise Platinum.

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Apply right here: American Specific Platinum Card
Apply right here: American Specific Enterprise Platinum

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