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

Premium playing cards have advanced 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 Specific and The Enterprise Platinum Card® from American Specific.

Each playing cards have an annual price 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 contemplate 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 provides, incomes charges, main perks and out there 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 throughout the first six months of card membership — so a mean of simply over $1,333 per thirty days.

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

Based mostly 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 while you embody the assertion credit score, making these two of probably the most precious provides in the marketplace.

Winner: Tie (when you’re accredited for the best supply on the Amex Platinum).

Associated: This is why I am conserving the Amex Platinum after the Sapphire Reserve’s modifications

Amex Platinum vs. Amex Enterprise Platinum advantages

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

Advantages supplied to each playing cards

Enrollment is required for choose advantages; phrases apply.

*Eligibility and profit ranges range 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 yr to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.

Client Amex Platinum advantages

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

• Pay as you go resort reserving credit score: As much as $200 assertion credit score every calendar yr on pay as you go bookings at Wonderful Inns + Resorts or The Resort Assortment properties made via American Specific 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 an extra as much as $20 for December (as much as $200 every calendar yr; should add your card as a fee methodology in your Uber account; redeem with any Amex card)
• Saks Fifth Avenue credit score: As much as $100 every calendar yr 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 Occasions, Peacock, The Wall Avenue Journal, Disney+, Hulu, ESPN+ or the Disney+ Bundle (as much as $240 every calendar yr)
• 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 yr towards the acquisition of a SoulCycle bike (as much as 15 bikes per calendar yr); 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 yr)

As you’ll be able to see, this could ship a ton of worth, particularly when you already use among the eligible providers.

Associated: 10 issues to do while 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 well-liked 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 to 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 straight at Dell and an extra as much as $1,000 assertion credit score after spending $5,000 or extra at Dell every calendar yr.
• Adobe assertion credit score: As much as $250 in assertion credit after spending $600 or extra on U.S. purchases made straight at Adobe every calendar yr
• Certainly assertion credit: As much as $90 per quarter in assertion credit for spending with Certainly (as much as $360 every calendar yr)
• 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 yr)
• Hilton assertion credit score: As much as $50 per quarter in assertion credit on Hilton purchases (as much as $200 per calendar yr)

Winner: Tie. Every card provides assertion credit that may present worth based mostly on the providers a person or enterprise could 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 straight with airways or through American Specific Journey (on as much as $500,000 of those purchases per calendar yr, 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 motels booked with Amex Journey (10% return)
• 1 level per greenback spent on different purchases (2% return)

However, the Amex Enterprise Platinum earns:

• 5 factors per greenback spent on flights and pay as you go motels 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. (building materials and {hardware} suppliers, electronics items retailers, software program and cloud system suppliers and transport suppliers) on as much as $2 million of purchases in a calendar yr, 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 while you buy airfare and pay as you go resort rooms from Amex Journey. Nevertheless, the private Platinum overridetext=”Amex Platinum additionally earns 5 factors per greenback on airfare bought straight 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 yr (then 1 level per greenback), nevertheless it’s unlikely that almost all cardmembers will spend this a lot in a yr.

The Enterprise Platinum card is nice for enterprise homeowners who frequently make giant purchases with the cardboard since purchases of no less than $5,000 and in choose enterprise classes earn 1.5 factors per greenback (on as much as $2 million of those purchases per yr, then 1 level per greenback).

Winner: Amex Enterprise Platinum. It is higher for giant purchases, however observe you must guide 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 Specific Platinum?

Redeeming factors on the Amex Platinum vs. Amex Enterprise Platinum

American Specific Membership Rewards factors are probably the most precious 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 might help you journey to simply about wherever on this planet.

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

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 all the time 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 provides a 35% factors rebate on eligible flights (as much as a million factors per calendar yr).

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 resort and airline companions.

Some profitable switch companions that supply nice redemption choices embody 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 guide 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 acquired 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 in search of 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, when you spend so much on enterprise bills and might benefit from its business-related assertion credit, the Amex Enterprise Platinum is the way in which to go.

Backside line

These in search of premium perks are sometimes drawn to the American Specific Platinum playing cards — whether or not private or small-business — since they provide quite a few perks at dwelling and on the highway.

Options like lounge entry, journey protections and very precious factors are just some 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 be taught extra, learn our full opinions 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.