Update: DEAD! Don’t miss it if this becomes alive again. Sign up for deal notification alerts here!
Update: The chart has been updated with the Business Platinum rebate devaluation. If you open or upgrade a card to Business Platinum by 5/31/17 you will get 1 full year of uncapped 50% point rebates.
Originally posted on 3/7:
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If you are already a consumer Platinum cardholder and your annual fee is due before 9/1 then your fee for 2017 will be $450. If your fee is due on 9/1 or later you will be charged $550 for your next renewal.
The chart below summarizes all of the differences between the consumer and business versions of the Platinum card as of 3/30. It features the superior benefits in red font when there is a difference between the consumer and business card.
Note that the lounge benefits for additional cardholders as described below is only for additional Platinum cardholders, not for additional Gold or Green cardholders.
However several readers have reported that additional Gold and Green cardholders do qualify for Global Entry/PreCheck memberships!
Additionally if you pay for a ticket with a Consumer Platinum card and you also have a Business Platinum card, and you choose to have it rebated with points, you will still earn a bonus 4 points per dollar. More info on how that works in this post.
|Consumer Platinum Card||Business Platinum Card|
|Additional Cardholder Fee||-Up to 3 additional Platinum cardholders for a $175 fee ($58.33/card with 3 cards).|
-No fee for additional Gold cardholders
|-$300 for each additional Platinum cardholder.
-No fee for additional Green cardholders
|Annual Airline Fee Credit||$200||$200|
|Points earned on airfare||5 per dollar from airlines (including online travel agencies) and on AMEXTravel.com||5 per dollar, but only if booked on AMEXTravel.com|
|Points earned on hotels||5 per dollar, but only if booked on AMEXTravel.com||5 per dollar, but only if booked on AMEXTravel.com|
|Points earned on eligible purchases of $5,000+||1 per dollar||1.5 per dollar|
|Points per dollar on bonus category purchases||1 per dollar||1.5 per dollar on electronic goods retailers and software & cloud system providers, construction material and hardware suppliers, and shipping|
|Annual CLEAR credit||$179 annual credit||$179 annual credit|
|Prepaid hotel credit:||$200/year||None|
|Digital entertainment credit:||$20/month on Peacock, Audible, SiriusXM, and The New York Times||None|
|Uber Benefits||VIP Status|
$15 in monthly credit plus $35 credit every December
|Dell Benefits||None||$200 credit every Jan-Jun and every Jul-Dec|
|Rebate on points redeemed for paid airfare||None||-35% rebate on a US airline of your choice in coach.
-35% rebate on all airlines in business or first.
-Maximum rebate of 500K points per calendar year.
|Elite status||Hilton and Marriott Gold for primary and secondary cardholders||Hilton and Marriott Gold for primary and secondary cardholders|
|Centurion lounge access||Primary or secondary cardholder plus 2 guests||Primary or secondary cardholder plus 2 guests|
|Priority Pass membership||Primary or secondary cardholder plus 2 guests||Primary or secondary cardholder plus 2 guests|
|Airspace lounge access||Primary or secondary cardholder plus 2 guests||Primary or secondary cardholder plus 2 guests|
|Escape lounge access||Primary or secondary cardholder plus 2 guests||Primary or secondary cardholder plus 2 guests|
|Delta SkyClub access||Primary or secondary cardholders only. Must be flying Delta.||Primary or secondary cardholders only. Must be flying Delta.|
|Global Entry/Pre-Check Fee Refund||Once every 4 years for Primary and for each secondary cardholder||Once every 4 years for Primary and for each secondary cardholder|
|Fine Hotels & Resorts benefits||Early check-in, room upgrade, daily breakfast, Wi-Fi, late checkout, and an additional special amenity.||Early check-in, room upgrade, daily breakfast, Wi-Fi, late checkout, and an additional special amenity.|
|Lost/Stolen/Damaged Item Protection||Covers items up to $10,000 for losses within 90 days of purchase, up to $50,000/year.||Covers items up to $10,000 for losses within 90 days of purchase, up to $50,000/year.|
|Return Protection||Covers items up to $300 within 90 days of purchase if the store won't take a return or charges a restocking fee, up to $1,000/year.||Covers items up to $300 within 90 days of purchase if the store won't take a return or charges a restocking fee, up to $1,000/year.|
|Extended Warranty||Doubles the manufacturer's warranty up to 2 additional years. Covers up to $10,000/item and up to $50,000/year.||Doubles the manufacturer's warranty up to 2 additional years. Covers up to $10,000/item and up to $50,000/year.|
|Travel Accident Insurance||$500,000 per person||$500,000 per person|
|Lost Luggage Insurance||$3,000 per person||$3,000 per person|
|Car Rental Perks||-4 hour late return fee-free grace period at Hertz.|
|-4 hour late return fee-free grace period at Hertz.
|Trip delay insurance||$500 of coverage for 6+ hour delays.||$500 of coverage for 6+ hour delays.|
|Trip cancellation and interruption insurance||$10,000 of coverage per trip and $20,000 per rolling 12 month period.||$10,000 of coverage per trip and $20,000 per rolling 12 month period.|
|Cell Phone Protection||$800 coverage||$800 coverage|
|Intro APR||N/A||0% for 12 months with Pay Over Time|
|Counts against your Chase 5/24 count||Yes||No|
|Foreign transaction fee||None||None|
Which Platinum card do you have and which benefits do you find most valuable?