The Platinum Card® from American Specific and The Enterprise Platinum Card® from American Specific have established themselves because the playing cards to have in the event you’re thinking about luxurious journey advantages. With an overlapping rewards construction and comparable advantages, it is logical to query which of the 2 is the most effective for you. Or, if you have already got one of many playing cards, you might be questioning whether or not you must also go for the opposite.
It might really 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 charges for the Amex Platinum and charges and charges 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 important mixture relating to getting essentially the most out of your journeys.
This is why it’s your decision each in your pockets.
Unimaginable welcome provide worth
Each playing cards include fairly substantial welcome provides. 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 you might be focused for a better provide through the CardMatch Device — topic to vary at any time and never everybody shall be focused for a similar provides).
Should you apply for each playing cards and earn the total welcome bonuses, you will get at the least 230,000 Membership Rewards factors. Based mostly on TPG’s March 2025 valuations, that is price $4,600— greater than triple the mixed price of the annual charges.
Associated: Is the Amex Enterprise Platinum well worth the annual charge?
Card credit
Each playing cards have a variety 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 charge assertion credit score you will obtain every calendar 12 months.
Every card has an up-to-$200 annual airline charge assertion credit score every calendar 12 months (enrollment required). Whereas it is not as beneficiant because the $300 annual journey credit score you will get with the Chase Sapphire Reserve® (which may be utilized to any journey buy), the credit score with the Amex Platinum playing cards remains to be very helpful.
On prime of the airline charge credit, the private Platinum card is loaded with annual provides. Cardmembers get pleasure from the next (some advantages require enrollment):
Relating to annual assertion credit, the Enterprise Platinum is not any slouch, both. It provides 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 per thirty days). The Dell and Adobe credit will finish on June. 30.
The Enterprise Platinum additionally matches the non-public Platinum in providing assertion credit for each Clear Plus and your World Entry or TSA PreCheck utility charge (which you should use 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 Affords
All American Specific playing cards, together with the Platinum and Enterprise Platinum playing cards, include entry to Amex Affords. You’ll find your accessible provides in the event you scroll right down to “Amex Affords & Advantages” in your on-line account web page or click on on the “Affords” 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 provides 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 Affords could be a nice deal alone, 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.
Be warned: Relying on the phrases of the provide, utilizing on-line portals, promo codes or different financial savings strategies might trigger your Amex Provide to not set off, so at all times learn the fantastic print within the phrases.
That mentioned, the excellent news is you could stack the highest Amex Affords with different standard Amex perks, together with a few of the annual assertion credit that include the Platinum and the Enterprise Platinum playing cards. Eligibility for these provides is proscribed. Enrollment is required within the Amex Affords part of your account earlier than redeeming.
Associated: Your final information to Amex Affords
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 differ 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 couple of years, so these advantages present another excuse to e-book your journey with an Amex Platinum.
The Platinum playing cards not solely defend you from a number of journey disasters however may improve your journey expertise.
The Platinum playing cards get you entry to The World Lounge Assortment, giving cardmembers free entry into any Amex Centurion Lounge plus entry to a variety of extra airport lounges as properly. Entry is proscribed to eligible cardmembers. Total, the gathering grants entry to over 1,400 VIP lounge places throughout 140 international locations — a really worthwhile 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 benefit from your journeys, whereas World Eating Entry by Resy can get you into your most desired eating places. Most well-liked Entry is even a technique to snag unique seats at cultural and sporting occasions.
Enrollment is required for choose advantages; phrases apply.
Resort advantages
One space the place these two playing cards overlap is entry to an array of lodge advantages. With each the non-public and enterprise Amex Platinum, you will obtain complimentary Gold standing at Hilton and Marriott and have entry to Amex Superb Resorts + Resorts. Enrollment is required for choose advantages; phrases apply.
Gold standing at Hilton comes with perks like complimentary breakfast, room upgrades when accessible and an 80% level bonus on paid stays. Marriott Bonvoy Gold standing comes with advantages equivalent to precedence late checkout, upgrades when accessible and a 25% level bonus.
Amex Superb Resorts + Resorts is a program that provides elitelike advantages at properties around the globe. These perks embody assured late checkout, each day breakfast for 2, room upgrades when accessible and a singular property amenity (valued at $100 or extra).
Some properties on this program may also provide third, fourth or fifth nights free, which is a worthwhile profit if you’re not trying to make use of your lodge factors for a keep.
When you solely want one Platinum card to get pleasure from these advantages, having each ensures you are profiting from advantages whereas maximizing incomes, whether or not your journey is for enterprise or pleasure.
Maximizing private and enterprise spending
Maybe one of many greatest advantages of getting each the non-public and enterprise variations of the Amex Platinum is you could successfully earn 7.7% again on each airfare buy you place in your private Platinum Card (airfare booked immediately with the airline or by way of 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 by way of Amex Journey.
It is because, when you’ve the Enterprise Platinum Card, you’ve the flexibility to Pay with Factors to e-book 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 basically will get you a worth of 1.54 cents per level.
Should 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 mentioned, in the event you maximize American Specific’s array of worthwhile switch companions, you might be able to 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 contemplate is that the Amex Enterprise Platinum earns 1.5 factors per greenback on U.S. building materials and {hardware} purchases, U.S. electronics, cloud system suppliers and software program purchases and U.S. transport suppliers. To prime 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.
Should you have been to make use of one other eligible Amex card with out 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 further in worth by utilizing the Enterprise Platinum.
Associated: The best way to maximize your incomes with the Amex Enterprise Platinum
Backside line
Utilizing each the non-public 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 price range and wish to make the most of big financial savings, beneficiant credit and opulent journey alternatives.
Though the annual prices are excessive, the correct cardmembers can have no problem getting huge 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 be taught extra, learn our full opinions of the Amex Platinum and Amex Enterprise Platinum.
Apply right here: Amex Platinum
Apply right here: Amex Enterprise Platinum
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.