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CardCurator — Rewards Intelligence
Card Comparison

Platinum vs The Business Platinum Card from American Express

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Platinum card art
Navy Federal Credit Union
Platinum
Navy Federal Credit Union
More Info
The Business Platinum Card from American Express card art
American Express Membership Rewards
The Business Platinum Card from American Express
American Express
More Info
Annual Fee
No annual fee
$895/yr
Foreign Fees
None
None
Signup Bonus
None
300,000 points
Spend $20,000 in 3 months
Top Earn Rates
  • All Purchases 1x
  • Flights (Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • Purchases $5,000+ 1.5x
Reward Type
credit building
miles
Key Credits
None
  • Dell Technologies Credit $200
  • Indeed Credit $360
  • Adobe Credit $150
  • +3 more
Card Perks
None listed
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +5 more
Transfer Partners
No transfer partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: Platinum vs The Business Platinum Card from American Express

Is the Platinum or The Business Platinum Card from American Express better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Platinum currently offers no current bonus. The Business Platinum Card from American Express offers 300,000 pts signup bonus (spend $20,000 in 3 months). The Business Platinum Card from American Express has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Platinum and the The Business Platinum Card from American Express?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Platinum is from Navy Federal Credit Union and The Business Platinum Card from American Express is from American Express, so they're governed by separate bank policies.