Amex Business Platinum vs Personal Platinum
Both Platinum cards charge $895 a year and share the same hotel, airline fee and CLEAR+ credits and the same Global Lounge Collection. They earn differently. The personal card pays 5× on flights booked directly with airlines; the Business Platinum pays 5× only on flights and prepaid hotels booked through Amex Travel, plus 2× on key business purchases and any purchase of $5,000 or more. Where the cards really split is the credits: the personal card has Uber, Resy, entertainment and shopping credits, and the business card has Dell, Adobe, Indeed, ChatGPT, wireless and Hilton credits. Choose by the credits you would actually use.
Which card earns more on your spending?
Enter what you spend in a typical month. We estimate a year of rewards on each card, after its annual fee.
Estimated rewards per year, after the annual fee
Business Platinum Wins on your numbers
5× flights and hotels on Amex Travel, 2× key business purchases
+$485
Rewards $1,380 · Fee −$895
Personal Platinum
5× flights booked with airlines or Amex Travel, 5× prepaid hotels on Amex Travel
+$365
Rewards $1,260 · Fee −$895
Business Platinum comes out ahead by $120 a year on these numbers.
Break-even: about $380 a month on flights booked with airlines, with your other amounts as entered. Above that, Personal Platinum wins. Below it, Business Platinum does.
How we estimate
- Points are valued at The Points Guy’s October 2026 figures: Amex Membership Rewards 2¢, Chase Ultimate Rewards (Sapphire and Ink Preferred) 2.05¢, Citi ThankYou (Strata Premier and Elite) 1.9¢, Capital One 1.85¢, Bilt 2.2¢, SkyMiles 1.2¢ and Hilton points 0.4¢. Cash back is valued at 1¢, and so are Chase Freedom, no-fee Citi Strata and Double Cash points on their own; pooled with a premium card in the same program they are worth that program’s value.
- Net is a year of rewards minus the annual fee. Credits count only when you turn them on, and only the ones listed under each card.
- Welcome bonuses are left out so the numbers reflect an ordinary year.
- Business Platinum: 5× flights and prepaid hotels booked through Amex Travel, 2× on key business categories and single purchases of $5,000 or more (first $2,000,000 a year), 1× else. Personal Platinum: 5× flights booked directly with airlines or through Amex Travel (first $500,000 a year), 5× prepaid hotels through Amex Travel, 1× else.
- Credits are off until you turn them on. The $600 hotel, $219 CLEAR+ and Priority Pass credits are on both cards, so they cancel out if you count both. The business-only Hilton, Dell, Adobe, Indeed, ChatGPT and wireless credits and the personal-only Uber, Resy, entertainment, lululemon, Equinox, Oura and Walmart+ credits are listed separately. Global Entry or TSA PreCheck is not counted.
- Business Platinum’s 35% airline bonus and its credits after $250,000 of spend are not counted.
- Earn rates checked with issuers in October 2026. Offers change, so confirm terms with the issuer before you apply. Educational estimate, not financial advice.
- Point values from The Points Guy’s October 2026 valuations.
Two cards are only part of the picture. Take these amounts to the full calculator to see which wallet wins across all your spending, including cards you already hold.
Compare every card on your spending →{"a":{"key":"amex-business-platinum","name":"Business Platinum","fee":895,"cpp":0.02,"base":1,"earn":[{"inputs":["portal"],"rate":5},{"inputs":["business"],"rate":2,"cap":2000000,"above":1}],"creditItems":[{"key":"hotel","name":"$600 hotel credit (Fine Hotels + Resorts or Hotel Collection)","value":600},{"key":"airline","name":"$200 airline fee credit","value":200},{"key":"clear","name":"$219 CLEAR+ credit","value":219},{"key":"dell","name":"$150 Dell credit","value":150},{"key":"chatgpt","name":"$300 ChatGPT Business credit","value":300},{"key":"adobe","name":"$250 Adobe credit","value":250},{"key":"indeed","name":"$360 Indeed credit","value":360},{"key":"wireless","name":"$120 wireless credit","value":120},{"key":"hilton","name":"$200 Hilton credit","value":200},{"key":"priority_pass","name":"Priority Pass lounges (counted at $100, not the $469 list price)","value":100}]},"b":{"key":"amex-platinum","name":"Personal Platinum","fee":895,"cpp":0.02,"base":1,"earn":[{"inputs":["airfare"],"rate":5,"cap":500000,"above":1},{"inputs":["portal"],"rate":5}],"creditItems":[{"key":"hotel","name":"$600 hotel credit (Fine Hotels + Resorts or Hotel Collection)","value":600},{"key":"airline","name":"$200 airline fee credit","value":200},{"key":"uber","name":"$200 Uber Cash","value":200},{"key":"resy","name":"$400 Resy and dining credit","value":400},{"key":"entertainment","name":"$300 digital entertainment credit","value":300},{"key":"clear","name":"$219 CLEAR+ credit","value":219},{"key":"lululemon","name":"$300 lululemon credit","value":300},{"key":"equinox","name":"$300 Equinox credit","value":300},{"key":"oura","name":"$200 Oura Ring credit","value":200},{"key":"walmart","name":"$155 Walmart+ credit","value":155},{"key":"uber_one","name":"$120 Uber One credit","value":120},{"key":"priority_pass","name":"Priority Pass lounges (counted at $100, not the $469 list price)","value":100}]},"focus":"","inputs":[{"key":"business","prefill":"other","noun":"key business purchases"},{"key":"airfare","prefill":"airfare","noun":"flights booked with airlines"},{"key":"portal","prefill":"hotels","noun":"Amex Travel bookings"},{"key":"other","prefill":"other","noun":"everyday spending"}],"max":20000,"path":"/credit-card-rewards-calculator","pivot":"airfare","step":10}Which one should you get?
Pick Business Platinum if…
- You spend on software, electronics, shipping or big single purchases and want 2× on them.
- You would use the Dell, Adobe, Indeed, ChatGPT or Hilton for Business credits.
- You book flights through Amex Travel and want the 35% airline bonus when you pay with points.
Pick Personal Platinum if…
- You book flights directly with airlines and want 5× on them.
- You would use the Uber, Resy, entertainment, lululemon or Walmart+ credits.
- You want the card in your own name and credit file, with no business needed.
What actually differs
Checked with the issuers in October 2026. Terms change, so confirm with the issuer before you apply.
Annual fee
Business Platinum
$895
Personal Platinum
$895 ($195 for each Additional Platinum Card; Companion Platinum Cards are free)
Earning
Business Platinum
5× flights and prepaid hotels booked through Amex Travel; 2× key business purchases and any purchase of $5,000 or more (first $2 million a year); 1× else
Personal Platinum
5× flights booked directly with airlines or through Amex Travel (first $500,000 a year); 5× prepaid hotels through Amex Travel; 1× else
Credits on both cards
Business Platinum
$600 hotel credit, $200 airline fee credit, $219 CLEAR+, Global Entry or TSA PreCheck fee credit
Personal Platinum
The same four credits
Credits on one card
Business Platinum
Up to $1,150 Dell, $360 Indeed, $300 ChatGPT Business, $250 Adobe, $200 Hilton for Business, $120 wireless
Personal Platinum
$400 Resy, $300 digital entertainment, $300 lululemon, $300 Equinox, $200 Uber Cash, $200 Oura, $155 Walmart+, $120 Uber One
Airline bonus
Business Platinum
35% points back when you pay with points for flights on your selected airline through Amex Travel (up to 1,000,000 points a year)
Personal Platinum
Not listed on the personal Platinum page
Lounges
Business Platinum
Global Lounge Collection: Centurion Lounges, 10 Delta Sky Club visits on eligible Delta flights, Priority Pass
Personal Platinum
The same Global Lounge Collection
Spend-unlocked credits
Business Platinum
Up to $2,400 One AP credits and $1,200 Amex Travel flight credit the next year, after $250,000 of purchases in a year
Personal Platinum
None listed
Application
Business Platinum
Amex says you can see if you’re approved with no personal credit score impact. Applying may affect your business credit score, and accepting may affect your personal one
Personal Platinum
Personal application
| Feature | Business Platinum | Personal Platinum |
|---|---|---|
| Annual fee | $895 | $895 ($195 for each Additional Platinum Card; Companion Platinum Cards are free) |
| Earning | 5× flights and prepaid hotels booked through Amex Travel; 2× key business purchases and any purchase of $5,000 or more (first $2 million a year); 1× else | 5× flights booked directly with airlines or through Amex Travel (first $500,000 a year); 5× prepaid hotels through Amex Travel; 1× else |
| Credits on both cards | $600 hotel credit, $200 airline fee credit, $219 CLEAR+, Global Entry or TSA PreCheck fee credit | The same four credits |
| Credits on one card | Up to $1,150 Dell, $360 Indeed, $300 ChatGPT Business, $250 Adobe, $200 Hilton for Business, $120 wireless | $400 Resy, $300 digital entertainment, $300 lululemon, $300 Equinox, $200 Uber Cash, $200 Oura, $155 Walmart+, $120 Uber One |
| Airline bonus | 35% points back when you pay with points for flights on your selected airline through Amex Travel (up to 1,000,000 points a year) | Not listed on the personal Platinum page |
| Lounges | Global Lounge Collection: Centurion Lounges, 10 Delta Sky Club visits on eligible Delta flights, Priority Pass | The same Global Lounge Collection |
| Spend-unlocked credits | Up to $2,400 One AP credits and $1,200 Amex Travel flight credit the next year, after $250,000 of purchases in a year | None listed |
| Application | Amex says you can see if you’re approved with no personal credit score impact. Applying may affect your business credit score, and accepting may affect your personal one | Personal application |
FAQ
They charge the same $895 annual fee and share the hotel, airline fee and CLEAR+ credits and the lounge access. The personal card earns 5× on flights booked directly with airlines. The business card earns 5× on flights and prepaid hotels only through Amex Travel, adds 2× on key business purchases, and swaps the Uber, Resy and shopping credits for Dell, Adobe, Indeed, ChatGPT, wireless and Hilton credits.
It is when you would use enough of the credits. The hotel, airline fee and CLEAR+ credits alone are worth up to $1,019 if you use them in full. Add Dell, Adobe, Indeed, ChatGPT or wireless spending you already have, and the fee is covered before any points. Count only the credits you would use anyway.
No. Amex lists 5× on flights and prepaid hotels booked through Amex Travel on the business card. The personal Platinum earns 5× on flights booked directly with airlines or through Amex Travel.
Amex says you can find out whether you are approved with no impact to your personal credit score. Applying may affect your business credit score, and accepting the card may affect your personal credit score.
We use 2¢ a point, The Points Guy’s October 2026 valuation, which assumes you transfer points to airline or hotel partners. Statement credits and other redemptions are usually worth less, so your value can be lower.