DansDeals will receive compensation if you are approved for a credit card via a link in this post. Terms apply to American Express benefits and offers, visit americanexpress.com to learn more.
Update: If you apply for these cards now, you can still take advantage of stacking 2024, 2025, and 2026 credits before your 2nd annual fee is due in mid-January 2026!
On the AMEX Business Platinum Card, assuming the current credits continue as they are now, that will include:
- $800 in Dell credits ($200 in December 2024, $200 from January-June 2025, $200 from July-December 2025, and $200 in January 2026)
- $600 in airline fee credits ($200 in December 2024, $200 in 2025, $200 in January 2026)
- $597 in CLEAR credits ($199 in December 2024, $199 in 2025, $199 in January 2026)
- $540 in Indeed credits ($90 in December 2024, $90 in 2025 Q1, $90 in 2025 Q2, $90 in 2025 Q3, $90 in 2025 Q4, $90 in January 2026)
- $450 in Adobe credits ($150 in December 2024, $150 in 2025, $150 in January 2026)
- $300 in Hilton credits ($50 in December 2024, $50 in 2025 Q1, $50 in 2025 Q2, $50 in 2025 Q3, $50 in 2025 Q4, $50 in January 2026)
- $140 in wireless credits ($20 monthly from December 2024 through January 2026)
On the AMEX Consumer Platinum card, assuming the current credits continue as they are now, that will include:
- $900 in Equinox credits ($300 in December 2024, $300 in 2025, $300 in January 2026)
- $600 in airline fee credits ($200 in December 2024, $200 in 2025, $200 in January 2026)
- $600 in prepaid Hotel credits ($200 for hotel stays booked in December 2024, $200 for hotel stays booked in 2025, $200 for hotel stays booked in January 2026)
- $597 in CLEAR credits ($199 in December 2024, $199 in 2025, $199 in January 2026)
- $280 in digital entertainment and newspaper credits ($20 monthly from December 2024 through January 2026)
- $250 in Uber/UberEats credits in the US ($35 in December 2024, $15 monthly from January through November 2025, $35 in December 2025, $15 in January 2026)
- $200 in Saks credits ($50 in December 2024, $50 from January-June 2025, $50 from July-December 2025, and $50 in January 2026)
- $181+tax in Walmart+/Paramount+ credits ($12.95+tax monthly from December 2024 through January 2026)
Table of Contents
American Express Platinum cards:
The Business Platinum Card® and the The Platinum Card® from American Express consumer card are 2 of the most benefit-laden cards that exist. They also have the annual fees to back that up too!
- You can read more about the consumer Platinum card in this post.
- You can read more about the business Platinum card in this post.
Loading ...AMEX Membership Rewards cards can transfer points into many different mileage programs, and there are often transfer bonuses as well.
AMEX transfer partners include:
- ANA (Star Alliance) 1:1 transfer.
- Aer Lingus (OneWorld) 1:1 instant transfer.
- AeroMexico (Skyteam) 1:1.6 transfer.
- Air Canada Aeroplan (Star Alliance) 1:1 instant transfer.
- Air France/KLM Flying Blue (Skyteam) 1:1 instant transfer.
- Alaska (OneWorld) 1:1 instant transfer via Hawaiian
- Avianca Lifemiles (Star Alliance) 1:1 instant transfer.
- British Airways (OneWorld) 1:1 instant transfer
- Cathay Pacific Asia Miles (OneWorld) 1:1 instant transfer.
- Delta (Skyteam) 1:1 instant transfer.
- Emirates 1:1 instant transfer
- Etihad 1:1 instant transfer
- Finnair (OneWorld) 1:1 instant transfer via BA
- Hawaiian 1:1 instant transfer
- Iberia (OneWorld) 1:1 instant transfer
- JetBlue 1:0.8 instant transfer
- Qantas (OneWorld) 1:1 instant transfer
- Qatar (OneWorld) 1:1 instant transfer via BA
- Singapore (Star Alliance) 1:1 instant transfer.
- Virgin Atlantic 1:1 instant transfer
- Choice Hotels 1:1 instant transfer
- Hilton 1:2 instant transfer
- Marriott 1:1 instant transfer
I aim to receive a value of 1.5 cents or more per point when I transfer them into airline miles or hotel points. That’s especially easy with transfers to Alaska Airlines! But sometimes the value of an airline mile or hotel point can be under 1 cent each. In these cases it’s great to have a card that allows you to redeem points for paid travel at a value that beats the 1 cent per point level where you can cash the points out.
Which AMEX Platinum card should you have:
There is no obvious answer as to which you should have, but personally I prefer the Business Platinum card as it features hybrid points, as I’ll describe below.
Let’s walk through the benefits to see which cards is best for you.
Annual fee:
- AMEX Business Platinum: $695
- AMEX Consumer Platinum: $695
Winner: Tie
Annual fee for additional Platinum cardholders:
- AMEX Business Platinum: $350 per card.
- AMEX Consumer Platinum: $195 per card.
These cards allow for lounge access, elite status, Global entry, and AMEX protections, but not for additional monthly and annual credits.
Winner: Consumer Platinum
Annual fee for additional companion cardholders:
These cards allow for Global entry credits once every 4 years, an incredible benefit for cards with no annual fee!
Winner: Tie
Points rebate on paid airfare:
- AMEX Business Platinum: 35% rebate on a US airline of your choice in coach, 35% rebate on all airlines in business or first class. Maximum rebate of 1,000,000 points per calendar year, though this can be increased through targeted offers.
- AMEX Consumer Platinum: None
You can combine points from all of your American Express Membership Rewards cards onto your most valuable card, so that they are worth the most for travel.
The reason why I value the business card more that the consumer card is that it allows you to use your AMEX points as hybrid points. The Business Platinum card allows you to choose between using your points for paid airfare at an increased value per point, or transferring your points into miles.
If you redeem for a premium cabin ticket on any airline or in coach on the airline of your choice, you’ll get a 35% points rebate, which will mean you’ll get a value of at least 1.54 cents per point. The value can be even higher if AMEX has a discounted insider fare available on your route. You can get a rebate of up to 1,000,000 points per year.
Or you can transfer points into miles, which is how you can buy a $459 United ticket for 6,500 points or a $459 AA ticket for 4,500 miles.
I call that ability to choose between the best of both worlds “hybrid points.” It’s something you won’t get on the consumer Platinum card. If you have the no annual fee Blue Business Plus AMEX you’ll earn 2 points per dollar everywhere on up to $50K in annual spending. If you also have an AMEX Business Platinum card that means you’ll earn a minimum of 3.08% back towards airfare thanks to hybrid points!
The increased value of points set a minimum value you can get from your points. You can get a higher value for your points by transferring them into airline miles and hotel points, but having the ability to use your points at an increased value for paid travel makes them into “hybrid points.” You can choose to redeem them for either paid travel or award travel, depending on which provides a better value.
Winner: Business Platinum.
Annual airline fee credit:
- AMEX Business Platinum: $200 (Register for an airline here.)
- AMEX Consumer Platinum: $200 (Register for an airline here.)
The AMEX airline fee credit isn’t as straightforward as the Chase credit, but there are still plenty of valuable uses for it.
Every calendar year, you can get a $200 credit for airline fees. If you apply now that means you’ll get back $600 in fees during your first cardmembership year with $200 back in 2024, $200 back in 2025, and $200 back in 2026.
Winner: Tie.
Points per dollar on airfare:
- AMEX Business Platinum: 5 per dollar, but only if booked on AMEXTravel.com
- AMEX Consumer Platinum: 5 per dollar from airlines (including online travel agencies) and on AMEXTravel.com, up to $500,000 annually.
Winner: Consumer Platinum.
Points per dollar on hotels:
- AMEX Business Platinum: 5 per dollar, but only if booked on AMEXTravel.com
- AMEX Consumer Platinum: 5 per dollar, but only if booked on AMEXTravel.com
Winner: Tie.
Points per dollar on eligible $5,000+ purchases:
- AMEX Business Platinum: 1.5 per dollar, up to $2 million in annual spending
- AMEX Consumer Platinum: 1 per dollar.
Winner: Business Platinum
Points per dollar on bonus category purchases:
- AMEX Business Platinum: 1.5 per dollar on electronic goods retailers and software & cloud system providers, construction material and hardware suppliers, and shipping providers, up to $2 million in annual spending combined with large purchase bonus.
- AMEX Consumer Platinum: 1 per dollar.
Winner: Business Platinum
Annual CLEAR Plus credit:
- AMEX Business Platinum: Enroll in CLEAR Plus and get reimbursed for up to $199 in annual charges. Kids under 18 can accompany their parents for free.
- AMEX Consumer Platinum: Enroll in CLEAR Plus and get reimbursed for up to $199 in annual charges. Kids under 18 can accompany their parents for free.
Winner: Tie
Walmart+ credit:
- AMEX Business Platinum: None
- AMEX Consumer Platinum: Cardmembers now get a $12.95 plus tax monthly credit to cover Walmart+ membership in full.
Winner: Consumer Platinum
Paramount+ credit:
- AMEX Business Platinum: None
- AMEX Consumer Platinum: Cardmembers get a free Paramount+ subscription, a $7.99 monthly value, via their free Walmart+ membership.
Winner: Consumer Platinum
Prepaid hotel credit:
- AMEX Business Platinum: None
- AMEX Consumer Platinum: Cardmembers will automatically receive $200 back in statement credit on prepaid hotel bookings made via Fine Hotels + Resorts or via The Hotel Collection.
Winner: Consumer Platinum
Equinox credit:
- AMEX Business Platinum: None
- AMEX Consumer Platinum: Cardmembers can enroll and get a $300 annual credit for Equinox. This credit is valid for the Equinox app or Equinox gyms. Platinum Card Members will also receive a $300 statement credit every time they purchase a SoulCycle At-Home Bike, up to 15x per calendar year. An Equinox+ membership is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction.
Winner: Consumer Platinum
Digital entertainment credit:
- AMEX Business Platinum: None
- AMEX Consumer Platinum: Cardmembers can enroll and get a $20 monthly credit for the following digital entertainment partners:
- Disney+/Disney Bundle
- ESPN+
- Hulu ($6.99/month)
- Hulu ad-free
- Peacock Premium/Ad-Free
- Wall Street Journal (include WSJ, Barrons, MarketWatch, and/or Investor’s Business Daily print and digital subscriptions)
- The New York Times
- Eligible purchases for the New York Times include any subscriptions (including digital or print news, NYT Cooking, and New York Times Games). Eligible purchases do not include advertising services, NYT conferences, gift cards, the TimesDigest or purchases from the NYTimes company store.
Winner: Consumer Platinum
Dell Spending Credit:
- AMEX Business Platinum: You can register here for $200 cash back at Dell.com every January-June and $200 cash back every July-December.
- AMEX Consumer Platinum: None.
Dell allows you to split a charge among 3 credit cards at checkout. If you have multiple Business Platinum cards that means you can get a $200 credit on each one by splitting the charge among multiple cards.
You can find Dell deals that we have posted here.
- You can get a free printer
- You can get a free wireless keyboard and mouse
- You can get a free LED Monitor
- You can get a free bluetooth speaker
- You can save on premium bluetooth headphones and earbuds
Winner: Business Platinum
Uber Spending Credit:
- AMEX Business Platinum: None.
- AMEX Consumer Platinum: $200 annual credit in the US ($15 monthly credit and a $35 credit in December). Plus get Uber VIP status.
Just add your Consumer Platinum card to your Uber app to receive the monthly credit. The credit expires on the last day of each month. You can use the credit for Uber and UberEats.
Winner: Consumer Platinum.
Saks Spending Credit:
- AMEX Business Platinum: None.
- AMEX Consumer Platinum: You can register here for $50 cash back at Saks Fifth Avenue stores or Saks.com every January-June and $50 cash back every July-December.
You can also buy $50 gift cards in Saks Fifth Avenue stores and those will be reimbursed in full based on my experience. Gift cards are valid for use at Saks and Saks OFF 5TH.
Winner: Consumer Platinum.
Hilton credit:
- AMEX Business Platinum: You can register here for $50 cash back at Hilton hotels every quarter.
- AMEX Consumer Platinum: None.
This is identical to the 4 credits of $50 every quarter on the Hilton Honors American Express Surpass® Card, which allows you to get the credit on Hilton gift cards sold online here.
During your stay, you can have the front desk add the value of your gift cards against your folio balance. Just tell them to run the gift card as a credit card for the full $50 value per gift card.
Winner: Business Platinum
Wireless credit:
- AMEX Business Platinum: You can register here for $10 cash back on your wireless bill every month!
- AMEX Consumer Platinum: None.
Winner: Business Platinum
Adobe Credit:
- AMEX Business Platinum: You can register here for $150 cash back on Adobe.com for annual prepaid plans
- AMEX Consumer Platinum: None.
Winner: Business Platinum
Indeed credit:
- AMEX Business Platinum: You can register here for $90 cash back on Indeed.com every quarter.
- AMEX Consumer Platinum: None.
Winner: Business Platinum
Hotel Elite Status:
- AMEX Business Platinum: Hilton and Marriott Gold status for primary and additional Platinum cardholders.
- AMEX Consumer Platinum: Hilton and Marriott Gold status for primary and additional Platinum cardholders.
You can enroll online here for Hilton Gold status.
You can enroll online here for Marriott Gold status.
You can also enroll additional Platinum cardholders for Gold elite status, but that needs to be done over the phone.
Hilton Gold status gets you upgrades, bonus points, 5th night free on awards, late checkout, breakfast, and bottled water. Free breakfast doesn’t usually do much for me as a kosher traveler, but at the Waldorf Astoria Jerusalem the fantastic daily kosher breakfast is free for Hilton Gold members. There is a mind-boggling quantity of awesome kosher food there, from dozens of daily hot dishes to hard cheeses, fresh fruits and pastries to fresh squeezed juices and espresso drinks, as well as on-demand dishes like french toast, pancakes, waffles, and eggs.
Marriott Gold status gets you late checkout, more points per dollar spent at Marriott hotels, room upgrades, enhanced in-room WiFi, and a points amenity on stays, even when redeeming points.
Winner: Tie.
Centurion Lounge Access:
- AMEX Business Platinum: Primary and secondary Platinum cardholders.
- AMEX Consumer Platinum: Primary and secondary Platinum cardholders.
It costs $50 to guest in adults or $30 for kids. If you do spend $75,000 on your Platinum account during the prior calendar year you can still bring in free guests. In other words, if you spend $75K on your Platinum account in 2025 by March you’ll be able to bring free guests from March 2025 through January 2027.
Winner: Tie.
Priority Pass Membership:
- AMEX Business Platinum: Primary and secondary Platinum cardholders, plus 2 guests
- AMEX Consumer Platinum: Primary and secondary Platinum cardholders, plus 2 guests
You can enroll here for a Priority Pass membership on a consumer card here or on a Business card here. Note that this is not valid for use at Priority Pass restaurants.
Winner: Tie.
Delta SkyClub Access:
- AMEX Business Platinum: Primary and secondary Platinum cardholders.
- AMEX Consumer Platinum: Primary and secondary Platinum cardholders.
You can access Delta lounges for free with a Platinum card when flying on Delta. You don’t get any free guests, but additional Platinum cardholders can access Delta lounges for free as well.
Select Delta SkyClubs, such as JFK, have complimentary hot kosher meals upon request. Others have kosher snacks upon request as well.
Winner: Tie.
Escape Lounge Access:
- AMEX Business Platinum: Primary and secondary Platinum cardholders, plus 2 guests
- AMEX Consumer Platinum: Primary and secondary Platinum cardholders, plus 2 guests
Winner: Tie.
Plaza Premium Access:
- AMEX Business Platinum: Primary and secondary Platinum cardholders, plus 1 guest
- AMEX Consumer Platinum: Primary and secondary Platinum cardholders, plus 1 guest
Winner: Tie.
Lufthansa Lounge Access:
- AMEX Business Platinum: Primary and secondary Platinum cardholders
- AMEX Consumer Platinum: Primary and secondary Platinum cardholders
You can access Lufthansa lounges when flying Lufthansa as found here.
Winner: Tie.
Global Entry/Pre-Check Refund:
- AMEX Business Platinum: Primary and secondary Platinum, and expense cardholders can each get a full refund every 4 years.
- AMEX Consumer Platinum: Primary and secondary Platinum, and companion cardholders can each get a full refund every 4 years.
Winner: Tie.
Car Rental CDW Coverage:
- AMEX Business Platinum: Secondary, upgrade to primary for $19.95/rental.
- AMEX Consumer Platinum: Secondary, upgrade to primary for $19.95/rental.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie
Car Rental Perks:
- AMEX Business Platinum: A 4 hour late return fee-free grace period, exclusively discounted pricing, and President’s Circle membership at Hertz and National Executive status guarantee upgrades and faster free award rentals.
- AMEX Consumer Platinum: A 4 hour late return fee-free grace period, exclusively discounted pricing, and President’s Circle membership at Hertz and National Executive status guarantee upgrades and faster free award rentals.
Winner: Tie
Foreign Transaction Fees:
Winner: Tie.
Extended Warranty Coverage:
- AMEX Business Platinum: Doubles the manufacturer’s warranty up to 2 additional years. Covers up to $10,000/item and up to $50,000/year.
- AMEX Consumer Platinum: Doubles the manufacturer’s warranty up to 2 additional years. Covers up to $10,000/item and up to $50,000/year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie.
Purchase Protection for items lost, damaged, or stolen within 90 days:
- AMEX Business Platinum: $10,000/item and up to $50,000/year.
- AMEX Consumer Platinum: $10,000/item and up to $50,000/year.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie.
Cell Phone Protection:
- AMEX Business Platinum: $800 coverage for a damaged or stolen phone if you paid the previous month’s cell phone bill on your card.
- AMEX Consumer Platinum: $800 coverage for a damaged or stolen phone if you paid the previous month’s cell phone bill on your card.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie.
Return Protection:
- AMEX Business Platinum: 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.
- AMEX Consumer Platinum: 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.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie.
Lost Luggage Insurance:
- AMEX Business Platinum: $3,000 per person per trip (limit of $1,000 per person for jewelry and electronics)
- AMEX Consumer Platinum: $3,000 per person per trip (limit of $1,000 per person for jewelry and electronics)
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie.
Trip delay insurance:
- AMEX Business Platinum: Reimburses expenses due to a flight delay, up to $500 of coverage for 6+ hour delays.
- AMEX Consumer Platinum: Reimburses expenses due to a flight delay, up to $500 of coverage for 6+ hour delays.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie.
Trip cancellation and interruption insurance:
- AMEX Business Platinum: $10,000 of coverage per trip and $20,000 per rolling 12 month period.
- AMEX Consumer Platinum:$10,000 of coverage per trip and $20,000 per rolling 12 month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie.
Travel Accident Insurance:
- AMEX Business Platinum: $500,000 per person
- AMEX Consumer Platinum: $500,000 per person
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
Winner: Tie.
Fine Hotels & Resorts:
- AMEX Business Platinum: Early check-in, a room upgrade, daily breakfast, Wi-Fi, guaranteed 4pm late checkout, and an additional unique amenity valued at $100.
- AMEX Consumer Platinum: Early check-in, a room upgrade, daily breakfast, Wi-Fi, guaranteed 4pm late checkout, and an additional unique amenity valued at $100.
Winner: Tie.
Adds to 5/24 count of cards:
Winner: Business Platinum.
Spending affects credit utilization ratio:
Learn more about business card spending and applying for a business card in this post.
Winner: Business Platinum
Comparison chart of the card benefits:
| Consumer Platinum Card | Business Platinum Card | |
|---|---|---|
| Annual Fee | $695 | $695 |
| Additional Cardholder Fee | -$195 for each additional Platinum cardholder. -No fee for additional companion cardholders | -$350 for each additional Platinum cardholder. -No fee for additional expense 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 | $199 annual credit | $199 annual credit |
| Walmart+ credit: | $12.95/month | None |
| Paramount+ subscription: | Yes | No |
| Prepaid hotel credit: | $200/year | None |
| Digital entertainment credit: | $20/month on Peacock, WSJ, and The New York Times | None |
| Wireless credit: | None | $10/month |
| Adobe Credit: | None | $150/year |
| Indeed credit: | None | $90/quarter |
| Equinox credit: | $25/month | None |
| Uber Benefits | VIP Status $15 in monthly credit plus $35 credit every December in the US | None |
| Dell Benefits | None | $200 credit every Jan-Jun and every Jul-Dec |
| Hilton Benefits | None | $50 credit every quarter |
| 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 1M points per calendar year. |
| Card design | Metal | Metal |
| 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 only. | Primary or secondary cardholder only. |
| 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. -National Executive | -4 hour late return fee-free grace period at Hertz. -National Executive |
| 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 |
| Counts against your Chase 5/24 count | Yes | No |
| Foreign transaction fee | None | None |
Win count:
Both of these cards come laden with great benefits and for many people, it may pay to have both to take advantage of these benefits. To determine your winner, I’d suggest assigning your personal value to each of these benefits and see which card comes out ahead of the annual fee for your needs!
What are your favorite AMEX Platinum perks and which card do you prefer?
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165 Comments On "[Last Chance To Apply & Triple Dip For Thousands Of Dollars In Credits!] Battle Of The AMEX Platinum Cards: Should You Have The Consumer Platinum And/Or The Business Platinum Card?"
All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.
Dan, so if I’m understanding this correctly, if one has the AMEX Business card, does it makes sense to add an AU for an additional $300 to get the Dell and other credits rather than sign up for the AMEX Personal card??
The AUs do not get those credits.
Dell credit is per account, not user
Is the personal platform being reported to the credit report? Or count towards 5/24?
Yes.
Yes.
I thought charge cards are not reported??
What does “additional unique amenity” mean at fine hotel and resorts? Didn’t they used to offer a credit for anything like spa and food at the hotels?
Don’t they charge annual fee right away?
Yes?
how do I sign up for a priority pass card? when I go to their website they have 3 tiers but amex site isn’t clear which one is covered by card benefit and don’t want to enter my CC in infor and get hit with a charge.Please let me now
Clicked on the link in the Priority Pass section of this post?
can these miles be used for a statement credit
@dan you are missing the 10x points per dollar on the first $25,000 at small business for Consumer Plat. That could potential be 250,000 points. (Almost every non chain store is considered small business)
I do not see in the post about 10 x for small business. I have the personal platinum and never seen that. Please explain.
I tried using both cards at a delta sky club but was told I could only enter with a delta boarding pass. Is that correct info? Thanks!
That’s the new rule there.
Dan,
I have 3 of the platinum cards. Is there any way to pay now for CLEAR, for the next 3 years?
I don’t believe so.
Thanks Dan for the comprehensive and clear post. Just have one question regarding the annual airline credit (business).
Can you elaborate how a business platinum member can use the 200 in 2021. Does the credit build up in your account from year to year?
I posted below the relevant text. thank you
Every calendar year, you can get a $200 credit for airline fees. If you apply now that means you’ll get back $600 in fees during your first cardmembership year with $200 back in 2021, $200 back in 2022, and $200 back in 2023.
https://www.dansdeals.com/credit-cards/testing-using-2021-amex-airline-fee-credit-uses-will-use/
Buy united travel bank
Hey Dan
I have the business version. If my AU’s are green cardholders, would each one trigger their own independent GE credit or just the primary which is platinum. Thanks
Each get their own.
Thank you for your response. Are you sure?
Amex chat advised me otherwise-
“Thank you so much for waiting and checking the terms and conditions of the said benefit, it shows here:
For Gold, Corporate, Platinum, and Centurion Cards, each Additional / Employee Card Member on an eligible Card account is also eligible for one statement credit when they use their eligible Additional / Employee Card to pay the application fee once every 4 years for Global Entry or every 4.5 years for TSA PreCheck.
This means in order for your additional card members to qualify, they must also have a Platinum card.”
If I say something, it’s because I’m sure 🙂
My consumer platinum did not receive the one time $200 travel credit received by many. I decided to contact them to see if they offer it to me but the representatitive was adamant. I have escalated to the retention because I have been paying the annual fee for some years now and they offered me 40K points after spending $3,000. Not too bad!
I own Delta Consumer platnium – which of the listed benefits do i get? CLEAR AND TSA precheck? one of them? Gym? cell? Fios? Uber? can you pls list by Delta plat card only?
https://www.dansdeals.com/points-travel/airlines/delta/earn-90k-milesbonus-mqms-statement-credits-limited-time-offers-delta-amex-cards-comparison-chart-delta-card-benefits/#Comparison_Chart
Thank you dan, so its basically x points per category, free luggage and one companion cert+ TSA but no clear. is that correct? minimal benefits really for $250
Yes
What are the advantages of benefits for 2021, 2022, and 2023 before your next annual fee is due? Is this only better if I decide to cancel my card after the first year? I mean if I will keep it I will still pay annual fee in 2023 so why is taking advantage of it in the 1st year better?
If you decide to cancel or downgrade when the 2nd annual fee posts.
Dowmgrade to what mo fee card?
So, I’ve been an Amex business platinum holder since 1999, and I don’t pay anything per year for my card, although this has the weird side affect of some perks not working with my card (i.e. won’t show up online, or link to enroll in perk leads to endless sign in loop or error pages). Is anyone else like this?
Sounds like you have the long discontinued no fee business platinum credit card, not the business platinum charge card with all these benefits.
I believe you forgot to put in the 10X points at Small Businesses and Dining which only the consumer card has.
Thanks!
Does the same benefits apply to The Amex Charles Schwab costumer card?
Join the military and they waive the annual fee
Do you have any tips how to use the amex hotel credit, there are barely any hotels in the tristate area, and they are very expensive.
Dan which brand of lounges on business cc do you think is best to visit re: ewr, san diego, phoenix
Does anyone have any use for my business plat perks? All I’ve used is the $200 airline incidentals, 200 Dell and 10 cellphone credits. Everything else is on the table
If I make two charges for Clear $119 and $60, will I receive a credit totaling $179, or will Amex only reimburse one charge? Ty!
Worked for me
You’ll get both
I already used my $200 airline credit, which I used and was credit back for already. Come January 1, 2022, I will have another $200 airline credit available to me that I can use? Also, what happens if I use the credit and soon afterwards decide to cancel my card? My annual fee hit my December statement and is due for payment by 1/7/22. Trying to see if I can squeeze in a 2022 airline credit and then cancel?
Yes.
That’s fine after you get the credit.
@dan – Can I double dip clear enrollment purchase a year for me today and then recharge a full year in jan 2022 for my wife and get reimbursed on each ( does it go by calendar year…)
Yes
will the wireless credit work for a wifi bill from verizon?
yes
Hey Dan,
Any advice how to open an Amex if I still owe them money from an old account (about 10yrs) ?
Pay them back….?
Can i do triple dip with chase sapphire reserve?
How can I avoid losing the $200 flight and hotel statement credit from ’22 if i dont have exact travel dayes?
$350 per AU on the business card now.
sign-up bonus? what’s the best that’s been offered for the biz card? what’s the best available now?
thx
My Plat consumer new fee will be billed Jan. What date ? What amex cc lower af where I can move my UR?
2. What support amex need for biz account ? How is their police for biz?
Isn’t the current business offer better? 120k v 80k?
Any suggestions? I purchased United travel bank with the platinum business card and it did not trigger the airline fee credit. In the past it always has. Anything to do? Thanks!
Did you enroll with UA as your airline first? How long ago did you purchase?
Yes. It’s always been United. The purchase was over a month ago. It’s always been immediate and I’ve never had an issue…..
How much did you purchase at a time?
Isn’t is Dell $200 for 2023, $400 for 2024 and $400 for 2025?
3 different days.
750
750
1000
I used it for my bonus spend.
Need to re enroll January? Or election of this year roll over ?
Wait for credit before canceling/ downgrade? Is there pro rated refund ?
If registered for united on consumer platinum for 2023, need register again 2024, or will it roll over ?
Pls analyze why pay fee for year 2, vs close / product change / where to transfer MR as MR, not an airline specific. So can keep currency
“Virgin Atlantic 1:1 instant transfer” – Should be changed to add Skyteam
If I have the business platinum can I get the consumer platinum and combine the points and get the 35% rebate for all the points?
Yes
Can I open a second business platinum card under same company name? Will I get all the same benefits twice?
To clarify I already have a business platinum from years ago and I want to open another one now.
You can get all the benefits again, but you may not get another signup bonus if you get a popup that says no bonus.
Airline flight credit or airline incidental (aka baggage charge) credits? The AMEX website seems to say the later
https://www.dansdeals.com/credit-cards/testing-using-2023-amex-airline-fee-credit-uses-will-use/
Hi
Thanks for the clear info!
What are the chances to get approved for a business card? Is it checking the personal credit?
Also, will I be able to open the consumer and business at once?
It does check your personal credit, no way to know what the odds are without just applying.
You can open both at once.
can you still use the amex points from these cards to pay off the AF on a 1:1 ratio?
Wondering about the construction credit. Would gcs at Home Depot count?
What is the triple dip?
Dan, you said in regards to the Dell credit “Dell allows you to split a charge among 3 credit cards at checkout. If you have multiple Business Platinum cards that means you can get a $200 credit on each one by splitting the charge among multiple cards.”
If the Dell credit is $200 per account and not per card holder, can you explain what you are saying?
Credit is tied to the card. Three cards = $600 credit.
You mentioned the Dell credit is $800, but later in the post you write that it’s $200 twice a year which should be $400.
In year 1 of being a cardholder:
December 2023: $200
January 2024: $200
July 2024: $200
January 2025: $200
Dan and friends, Would you know to answer me?
I recently made a purchase from Dell using the Amex credit, and it arrived damaged. I’ll have to return it (can’t exchange it)
Based on the time left until 2024, returning and wait for the refund is risky.
Would you know, if I place a new order now and return the first one, will Amex leave me with the dell credit? (or at least I can ask for a manual credit via chat?)
Yes, making another order now will work.
Thanks!
I already have the card. if i wish to get it for an additional buiness, how do i go about getting he bonus ?
Hi I just purchased 2 $99 delta tickets, but apparently they were the basic economy and therefore cannot refund to e-credit, only to initial form of payment. cancelled less than an hour after purchasing. will the “trigger” occur and I lost my $200 for the year?
Also is it too late to apply for a new Platinum card for 2023 to triple dip? Can i use the temporary cc number they provide to book travel, dell, cell credit etc?
As long as there is a net balance for eligible purchases you will earn the credit.
You need to enroll for most of the credits so you would have to wait until the card arrives but it ships overnight
Also is there a way to purchase directly to travel bank and avoid having to book and cancel a ticket?
Idk about Delta but there is on United
Wow, super helpful. I have the biz card but I’m going to get the consumer one now!
@dan
I was under the impression from a previous post that it is too late to use the dell credit for this year…
Depends on the items shipping date.
How long does it take to get the card if approved?
You should get a card number instantly.
The card is sent overnight.
If I am an authorized user on an Amex (gold card) and have my own business platinum, can I use the gold card points via the business platinum for the 35% points rebate?
No
How can you triple dip on the wireless phone service credit if it’s a monthly credit?
Hence $140.
how do i take advantage of stacking 2023, 2024, and 2025 credits
Approved, thank you! when will Jan annual fee post? need to wait first to credits for … posted? how many days after annual feww show will refund fee upon cancel card? is there a down grade for Platium?
if i downgrade the card before the credit’s for my clear account and the 200 for travel, posts to my account, will i still get the credit ?
and what’s the cutoff time for canceling, 30 day from the date the renewal fee is posted, or from the statement date ?
Hard question, if anybody knows:
I opened this business card last December. I just redeemed my points for an upcoming trip. I assume the 35% point rebate is scheduled to come already after I shut this card down….
Will I still get the points back?
Pls explain PLAT BIZ:
1.the 35% back on air ticket – if I book chosen airline $1000 ticket in USD, do i get back 35? or is it only if I use amex travel and redeem for amex points? Thank you
2. Any specials on office /biz supply on biz plat?
3. if registered airline for 12/23, need to register again for 2024?
1. You need to go on Amex travel and you use your Amex points. So if typically for a $100 flight it would be 10k miles, if you use your preferred airline in coach or any airline in business then you will pay 10k miles but then in about 6-8 weeks they will reimbursed 35% of 10k, which is 3500 miles. So in essence you are paying 6500 for your trip.
3. After initially putting in preferred airline, You only need to put in if you want to change your airline, should stay the same unless you want to change and then you can. They say to do in beginning of year but as long as you didn’t use it that year, they usually don’t give a hard time to switch later on. I always check before I plan on using it to make sure if us registered correctly as you can’t change after you make your reservation
@Dan, is there any way of using/transferring the $15 uber credits per month so they don’t expire?
1) What’s the best use of these points if I choose to cxl the card? I’m being told the points will be seized by Amex unless I move them to a partner before canceling?
2) If I cxl will Amex reverse the credits they have given me in the most recent billing period for $200 United Travel Bank, $200 Fine Hotel Resorts credit, $149 annual Clear credit, and the $15 monthly Uber credit?
I’m trying to understand how the triple dip works because I just got hit with the $695 annual fee for the Consumer Platinum card and did not know I need to move those points out before canceling and not sure how they will treat the already posted credits. Thanks.
How much is global entry? 100? 100 dollars every 4 years is an incredible value?
when is the earliest i could get the amex platinum if i want to triple dip and any dp if united travel bank still works
Looks like Dell credit won’t triple dip.
Business Platinum Dell Technologies Benefit
Enroll and get up to $200 back semi-annually on U.S. purchases with Dell Technologies on your Business Platinum Card through 6/30/25.‡
Hence, “assuming the current credits continue as they are now”
However, Dell, Adobe, and Indeed all previously said 12/31/24 and have been extended. I assume they will be extended further or something else will replace them.
I have a platinum personal and business, I purchased United travel Bank of $100 on 10/31, it was never credited to my account, I called them they say that it comes up as in ticket booking which is not eligible for the credit.
It still works automatically.
Are you sure you were registered for United before purchasing it?
yes. i have bean using the united travel bank for 4 years now.
Many positive data points after then, double check your remaining credit for the year and just try again.
I have a negative experience after many phone calls they did a manual credit..
How often can one get the bonus?
1) How often can one get the SUB on the consumer?
2) If I have a consumer everyday amex, and I sign up for the business platinum, can the MR points be combined to the everyday, or will it be on a separate account?
1. When you sign up it will tell you if you won’t get the bonus and allow you to cancel the application.
2. It will be combined.
if annual fee post Jan 2025, when need to close account to get full fee refunded? what downgrades options for a no fee? (platnium personal and platnium biz)
You have 30 days from the annual fee billing date to cancel a card. You can always downgrade after 30 days, but to Biz Green at $95/year or consumer Green at $150/year.
So I can 99 AU and give all my friends Global Entry?
Yes
even with the free business expense cards?
Yes
I see that a Hilton gift card will qualify for the Hilton credit. I assume this will not be the same result for the Aspire card’s credit since it is specifically for a “resort.” Can anyone confirm, please?
Correct.
Hey Dan! Any data points on Amex verifying income via the 4506-c form? I’ve already uploaded three forms and each one was rejected for some reason.
They require an actual wet signature, if you did e-sign or screen draw, try printing out the page and have wet signed and re-upload.
Hope this helps.
@dan or anyone
Any other ways to use the Amex personal $200 credit from fine hotel as my credit is expiring and don’t have any hotel plans. Pls suggest
Can we pre book for next year and get credit this year
Do I need to have a Business in order to get the Amex Platinum Business?
Like can Students get this card IYH?
@Dan, or anyone else?
Read here:
https://www.dansdeals.com/credit-cards/amex-business-platinum-card-earn-120000-welcome-bonus-points-now-400-annual-dell-credits-120-wireless-credits-much/#Business_vs_Consumer_card
I would love to get the business version but 20k in 3 months is a lot. Would I have any luck with getting an extension?
What is the best way to use the hotel credit, if your are not planning on traveling this year?
What is the best way to use the airline credit, if your not planning on traveling this year?
You can book the hotel for future travel.
You can buy United TravelBank funds.
Hi,
Does it work for jetblue travel bank?
Do i have to book a ticket and then cancel and get it refunded to travel bank?
https://www.dansdeals.com/credit-cards/testing-using-2024-amex-airline-fee-credit-uses-will-use/
Adding the Platinum Card to the Uber Eats app also gets all of the credits or it must be added to to the Uber app only?
Either will work.
New data point? My Uber cash only applies if I pay with an Amex. This only started for me in middle of this Month.
Or just apply gift cards from Costco at 27% off to your Uber account.
If i were to get amex plat consumer and book hotel this yr for jan 2025 will i get the $200 hotel credit bc i 2024 booked and paid this year thru the fine hotel collection? Ty
Yes
Could someone please tell me if I can apply to a business platinum card even if I don’t have a business?
Also, I don’t quite understand how we are stacking benefits for 24,25 or 26?
Read here:
https://www.dansdeals.com/credit-cards/amex-business-platinum-card-earn-120000-welcome-bonus-points-now-400-annual-dell-credits-120-wireless-credits-much/#Business_vs_Consumer_card
Because most benefits are by calendar year, so you can take advantage of 2024, 2025, and 2026 credits before the 2nd annual fee is due.
Any Dell deals now to use $200 credit on?
I have an American express Platinum Fly Card (El AL) DO I get any of these benefits Can you evaluate this card
No.
Can I swipe down $200 from my Amex to United Travel Bank ?
https://www.dansdeals.com/credit-cards/testing-using-2024-amex-airline-fee-credit-uses-will-use/
Much appreciated!
We’ll need to calculate all the Maaser to your Org for those savings throughout the year…
could a sole-proprietor open a card with a social security number?
https://www.dansdeals.com/credit-cards/amex-business-platinum-card-earn-120000-welcome-bonus-points-now-400-annual-dell-credits-120-wireless-credits-much/#Business_vs_Consumer_card
How can I use my delta airline credit ?
https://www.dansdeals.com/credit-cards/testing-using-2024-amex-airline-fee-credit-uses-will-use/
Are These The Cards That Give You Unlimited Spending?
They don’t have hard credit limits.
Do the credits rollover from year to year, mening must i spend my $200 Dell 2024 credit on 2024 or will it rollover to next year. Otherwise not sure how is it possible to use the benefits before 2025.
Thank you
They do not.
The card is overnighted and you can order items when you get it.
I am trying to understand if I can get the bonus for multiple businesses.
Can anyone help?
+
Have already a few, can I apply for more on different EIN and get the signup bonus?
Can someone please post how to get the prepaid hotel credit for future use? Would like to make a December 2024 spend now to get the credit, but I don’t have any definitive plans in 2025 yet. Details please. Thanks!
Start planning!
You can always cancel if you need to.
What happens if I cancel? They claw back? Any other options how to get this credit for those of us that don’t know 2025 travel plans now??