All comparisons
Head-to-head, 2026
American Express Business Platinum American Express Platinum
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
American Express
Business Platinum
- Annual fee
- $895
- Network
- amex
- Welcome value
- —
- Min spend
- $20,000 / 3mo
Top earning rates
- 5×Hotels · Membership Rewards
- 5×Flights · Membership Rewards
- 1.5×Construction materials and hardware · Membership Rewards
- 1.5×Electronics · Membership Rewards
Key benefits
- American Express One AP Statement Credit (Spend Tier) · $2400
- Amex Travel Online Flight Credit (Spend Tier) · $1200
- Additional Dell Technologies Credit (Spend Tier) · $1000
- $600 Hotel Credit · $300
- ChatGPT Business Credit · $300
American Express
Platinum
- Annual fee
- $895
- Network
- amex
- Welcome value
- —
- Min spend
- $12,000 / 6mo
Top earning rates
- 5×Prepaid hotels (AmexTravel.com) · Membership Rewards
- 5×Flights · Membership Rewards
- 1×Eligible purchases · Membership Rewards
Key benefits
- Cell Phone Protection · $800
- Trip Delay Insurance · $500
- $600 Hotel Credit · $300
- $300 Equinox Credit · $300
- $219 CLEAR+ Credit · $219
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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