AMEX Consumer Vs. Business Platinum Card Benefit Comparison Chart; Final Day To Lock In A Lower Annual Fee On The AMEX Business Platinum Card!

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I’m on vacation in sunny Hawaii, escaping the ridiculous cold on the mainland today. If there’s ever a good time to use miles it’s this week! With the airline tickets and hotels covered by points and excellent travel meals provided from Grand & Essex, I don’t miss the overcrowded Miami scene that we did last January at all.

When I travel I mostly leave this site in my brother JJ’s capable hands, but yesterday I wrote about the last chance to apply for The Business Platinum® Card from American Express before the annual fee jumps by $145.That opportunity will end tonight at 9:59pm EST. For rates and fees of the AMEX Business Platinum Card, please visit here.

A commenter on that post asked how the business card differs from the Consumer Platinum Card.

The chart below summarizes all of the differences between the consumer and business versions of the Platinum card. 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 free additional Gold or Green cardholders.

However, additional Gold and Green cardholders do qualify for free Global Entry/PreCheck memberships!

 Consumer Platinum CardBusiness Platinum Card
Annual Fee$550 $595 as of 2/1/19
Welcome Bonus60K points for spending $5,000 in 3 months.50K points for spending $10,000 in 3 months. and another 25K points for spending another $10,000 in 3 months.
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 airfare5 per dollar from airlines (including online travel agencies) and on AMEXTravel.com5 per dollar, but only if booked on AMEXTravel.com
Points earned on hotels5 per dollar, but only if booked on AMEXTravel.com5 per dollar, but only if booked on AMEXTravel.com
Points earned on large purchases of $5,000+1 per dollar1.5 per dollar (Up to 1 million bonus points per year)
Saks 5th Avenue Benefits$50 credit every Jan-Jun and every Jul-Dec None
Uber BenefitsVIP Status

$15 in monthly credit plus $35 credit every December
None
Dell BenefitsNone$100 credit every Jan-Jun and every Jul-Dec
WeWork BenefitsNone1 year of complimentary global access, a $2,700 value.
Rebate on points redeemed for paid airfareNone-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.
Gogo In-Flight Wi-FiNone10 Gogo flight passes per year
Card designMetalMetal
Elite statusHilton and Marriott Gold for primary and secondary cardholdersHilton and Marriott Gold for primary and secondary cardholders
Centurion lounge accessPrimary or secondary cardholder plus 2 guestsPrimary or secondary cardholder plus 2 guests
Priority Pass membershipPrimary or secondary cardholder plus 2 guestsPrimary or secondary cardholder plus 2 guests
Airspace lounge accessPrimary or secondary cardholder plus 2 guestsPrimary or secondary cardholder plus 2 guests
Delta SkyClub accessPrimary 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 cardholderOnce every 4 years for Primary and for each secondary cardholder
Boingo WiFiUnlimited worldwide for Primary and secondary cardholdersUnlimited worldwide for Primary and secondary cardholders
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.
Premium Roadside AssistanceFree towing up to 10 miles, jump starts, flat tire changes, lockout service, and delivery of fuel, up to 4 times per year.Free towing up to 10 miles, jump starts, flat tire changes, lockout service, and delivery of fuel, up to 4 times per year.
Extended WarrantyDoubles the manufacturer's warranty up to 1 additional year. Covers up to $10,000/item and up to $50,000/year.Doubles the manufacturer's warranty up to 1 additional year. Covers up to $10,000/item and up to $50,000/year.
Car Rental Perks-4 hour late return fee-free grace period at Hertz.

-National Executive
-4 hour late return fee-free grace period at Hertz.

-National Executive
Counts against your Chase 5/24 countYesNo
Foreign transaction feeNoneNone

What is your favorite AMEX Platinum perk?

Leave a Reply

36 Comments On "AMEX Consumer Vs. Business Platinum Card Benefit Comparison Chart; Final Day To Lock In A Lower Annual Fee On The AMEX Business Platinum Card!"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

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Joe

Thanks dan.

Tr

Do the aus have any benefits? Plat vs gold vs green besides lounge.

Thanks

A.b.

Hey Dan thanks so much for responding, really appreciate it.

Cl

Shoots!! My Annual Fee is probably posting on 2/1!! Any way to get around that or it’s gonna be $595??

Sam

Personal Gold cards reimburse the GE/Pre✔️?

A.b.

How about the Saks credit is that on both cards?

Sam

Only on personal

Jack

Dan,
Just double checking if I make someone an green AU will he get Marriott gold?

Than you sir

Thanks Dan very helpful as always. Do the $300 authrized users on the the Biz card get access to all benefits. Specifically the we work benefit for the first year.
Thanks,

Dy

How about the difference between the new gold cars and consumer platinum. I’ve had consumer platinum since 2012 but since the new gold card I’ve been considering switching over especially because I spend a lot of money on food. I haven’t been able to make the right decision…

DT

Now that Citi Prestige offers 5x on airfare, and a less restrictive travel credit, I think I’m going to dump my Amex Consumer Plat. I’ll keep the Biz plat, as I do get some good usage out of it and want to maintain platinum benefits.

Mo2

“However, additional Gold and Green cardholders do qualify for free Global Entry/PreCheck memberships!”

I did not know this! Awesome. So I can get 1 business platinum card and add a bunch of green user cards and get free global entry for all? Am I understanding correctly?

Mike

Can anybody confirm if the consumer 5 points per dollar for travel works for 3rd party travel agencies? Based on what a rep told me it’s Amex travel or airline direct only, no 3rd party. Please advise ASAP.

Mike

Thanks.

I’m asking about a travel agency that’s under travel category but not an airline

David

Does it make sense/Is it better before applying to first check the link you posted in other posts, that sees what offers you are eligible for to see if you are targeted for more than the 50k or 60k points for same cards below? Thanks. PS Enjoy Hawaii!

Danielle

Thanks dan , we were targeted for the 100k signup for the non business platinum. Seems like we were lucky!

Chaim

Thanks Dan for summing it up so nicely, especially where you clarify the differences with au’s. All this while on vacay!

david

is there any way to call Amex and to change from the Business to the Consumer

A.b.

Why do that just cancel business (doesn’t hurt credit) and get sign up bonus for personal

Jeff Bezos

So will I be eligible for the dell credit even if I pay the lower annual fee?

Raj

Great push for credit card commission on misinformation. You’re better than that Dan.

Sam

Dan i called amex platinum, i am a biz platinum member, they told me there are foreign transaction fees??

Yechiel Z

Are membership rewards points useful for hotels in Israel ?

Jay Weiss

There’s an error on the 5% that you earn on the consumer card, where you say it also includes flights purchased from an online travel agency. I went on the AMEX site, and on the benefits page here is what is says: “Air or hotel purchases made through a third-party payment account or on an online travel agency will not qualify for additional points”. That’s a big issue, for me at least. Have to buy from the airline or AMEXTravel. It’s impt. to know that!

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