Business Platinum vs Platinum
By Quy Dinh · Updated Oct 24, 2026
The short answer
Same lounges, same 5x on flights and prepaid hotels through Amex Travel, same $895 fee. The difference is the credits and the rest of the earning: the personal Platinum’s credits are for everyday life (Uber, streaming, lululemon, Equinox), while the Business Platinum’s are for running a business (Dell, Adobe, Indeed, ChatGPT, wireless), and it earns 2x on purchases of $5,000 or more.
If you have a business that would use those credits, the Business Platinum usually comes out ahead. Plenty of people with a business hold both.
Pick the Business Platinum if
- You buy software, hardware, electronics or shipping for a business
- You make large purchases
- You’d use the Dell, Adobe, Indeed or ChatGPT credits
Pick the Platinum if
- You don’t have a business
- You’d use the Uber, streaming, Resy, lululemon and Equinox credits
- You want 5x on flights booked directly with airlines
Side by side
| Feature |  American Express |  American Express |
|---|---|---|
| In one line | For business owners who fly and spend big: the widest lounge access, 5x on Amex Travel flights and hotels, 2x on large purchases and a long list of business credits, for $895. | Worth the $895 only if you’ll really use the lounges and most of the credits; for everyone else, a cheaper card does more. |
| Annual fee | $895 | $895 |
| Statement credits | Up to $2,929 a year in 15 credits | Up to $3,274 a year in 14 credits |
| How it earns |
|
|
| Lounge access | Centurion Lounge and Sidecar access Delta Sky Club access Priority Pass Select membership Escape Lounge access Plaza Premium Lounge access Other Global Lounge Collection partner lounges | Centurion Lounge access Delta Sky Club access Priority Pass Select Other Global Lounge Collection lounges |
| Welcome offer | As high as 300,000 points after you spend $20,000 on purchases in the first 3 months. Amex tells you your exact offer after you apply, before you accept the card. | As high as 175,000 points after you spend $12,000 on purchases in the first 6 months. Amex tells you your exact offer after you apply, before you accept the card. |
| Counts toward Chase 5/24 | No | Yes |
Credits are counted at their full cash value; see each card’s page for how each one works and which need activation. Offers change; the bank’s page has the current one.
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