Why it is sensible to have each Amex Platinum playing cards

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

With an overlapping rewards construction and related advantages, it is pure to marvel which of the 2 is the perfect for you. Or, if you have already got one of many playing cards, you could be questioning if it is price getting the opposite as effectively.

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

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

This is why it’d make sense so that you can have each in your pockets.

2 welcome bonuses

Each playing cards include substantial welcome gives.

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

New client 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 gives fluctuate, and also you is probably not eligible for a proposal.

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

Associated: Is the Amex Enterprise Platinum definitely worth the annual price?

Assertion credit

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

Overlapping credit

Sometimes, one of many best perks to make the most of with the Platinum playing cards is the annual airline price assertion credit score you will obtain. Every card gives as much as $200 every calendar yr that can be utilized to cowl incidental purchases with one airline, corresponding to seat upgrades, lounge passes and inflight drinks.

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

Each playing cards additionally supply:

You possibly can use one card to cowl your individual Clear Plus and World 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 gives primarily journey and lifestyle-related credit, whereas the enterprise card focuses on getting worth out of enterprise bills.

For instance, the Platinum Card gives 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 gives as much as $200 in annual assertion credit for Hilton purchases (as much as a complete of $50 per quarter).* You should utilize this credit score to cowl room expenses 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 gives outsize worth — particularly in the event you’re a excessive spender. For instance, in the event 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 yr following the yr 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 in the event 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.

You need to use your Platinum Card for private bills and most airfare. The non-public card earns 5 factors per greenback spent on airfare booked straight with the airline and thru American Categorical Journey® (as much as $500,000 spent on airfare per calendar yr, then 1 level thereafter), whereas the enterprise model solely gives it for Amex Journey bookings.

Then, you need 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 yr).
• 5 factors per greenback spent on flights booked via Amex Journey (as soon as you’ve got hit your spending cap on the non-public card)

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

When you’ve got the enterprise card, it’s also possible to get 35% of your factors again (as much as 1 million factors per calendar yr) when reserving flights via Amex Journey. (For eligible flights together with your chosen airline.)

Associated: How one can maximize your incomes with the Amex Enterprise Platinum

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

For instance, you could possibly add your loved ones members as approved customers to the non-public card and your workers as approved customers to the enterprise card. They might all get pleasure from:

(Enrollment is required for choose advantages.)

Associated: Must you get your individual Platinum Card or be a licensed person on another person’s account?

Amex Provides

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

Oftentimes, each playing cards have the identical or very related gives. Nonetheless, many of those gives 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 Provides will be nice offers on their very own, you are able to do even higher if you stack them with on-line buying portals to earn further money again or bonus factors in your buy. And it’s also possible to stack them on high of an announcement credit score that your card gives.

So, in the event you discover an Amex Provide for Dell, you’ll be able to click on via a buying portal and use your Enterprise Platinum to stack your as much as $1,150 annual assertion credit score**, Amex Provide and buying portal rewards.

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

Associated: Your final information to saving cash with Amex Provides

Separating bills

One more reason 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. This can be a good observe and will be particularly useful come tax season since it’s going to 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 utilize a enterprise bank card for private bills?

Backside line

The non-public and enterprise Platinum playing cards can complement one another properly, as each supply worthwhile 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 price of each playing cards.

This card mixture is just not proper for everybody. Nonetheless, for small-business house owners who’ve a big price range and wish to make the most of beneficiant credit and opulent journey alternatives, it might be a worthwhile addition to your pockets.

To study extra, learn our full evaluations of the Platinum Card and the Amex Enterprise Platinum.

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

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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.