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Amex Business Platinum vs personal Platinum – what’s the difference?

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A regular question I get asked by readers is how American Express Business Platinum differs from The Platinum Card, apart from the obvious £20 difference in annual fee.

As American Express Platinum (the personal card) is still offering the biggest ‘open to all’ sign-up bonus ever seen60,000 Membership Rewards points, worth 60,000 Avios – I thought it was worth covering in full.

We have a similar article on how American Express Platinum differs from American Express Preferred Rewards Gold which you can find here.

American Express Business Platinum personal Platinum differences

What benefits are shared between American Express Business Platinum and personal Platinum?

Before we get onto the differences, which are modest, let’s look at the benefits which both cards share.

Note that this list is not comprehensive – I have focused on the travel related benefits – and you should study the Amex Business website and The Platinum Card website for full details.

You can opt in for most of these benefits via this page of the American Express website.

Airport lounge access

You will receive a free Priority Pass card.  Priority Pass is a network of 1,300 airport lounges across the world, including eight in London Heathrow.  This includes the Aspire lounge in BA’s Heathrow Terminal 5.  Your Priority Pass allows an unlimited number of free visits to their lounges.  You can also bring in a guest for free.

You can also give a Priority Pass card to a second person via your free supplementary Platinum card.  If this is your partner or spouse, you would both be able to get into the lounge for free and each bring in a free guest.  This means that a family of four can get into a lounge if you give your partner the second card.

You will receive access to the Plaza Premium Lounges in Heathrow Terminal 5 and Gatwick’s North Terminal.  These not Priority Pass lounges but American Express Platinum cardholders can get access, with a guest, by showing their Platinum card at the front desk. The same applies to all other Plaza Premium lounges globally. Note that the other UK lounges (Heathrow Terminal 4 departures and the arrivals lounges in Terminals 2, 3 and 4) have not yet reopened.

Amex Business Platinum and personal Platinum differences

Hotel status

You will receive Gold status in the Marriott Bonvoy hotel loyalty scheme.  This will give added benefits at Marriott, Renaissance, Sheraton, Westin, W, aloft, St Regis, The Ritz-Carlton, The Luxury Collection etc properties – almost 30 brands in total.

You will receive Gold status in the Radisson Rewards hotel loyalty scheme.  This will give added benefits at Radisson Blu / RED / Individuals, Park Plaza and Park Inn hotels.

You will receive Gold status in the Hilton Honors hotel loyalty scheme.  This is the best mid-tier hotel status to have, because you get free breakfast with it.  You will get benefits at Hilton, Waldorf Astoria, Hampton, Curio etc.

You will receive Gold status in the MeliaRewards hotel loyalty scheme.  You will get benefits at Melia and INNSIDE hotels, with benefits including three 20% discount vouchers each year and ‘2 for 1’ breakfast.

There are also car rental status benefits with Avis Preferred and Hertz Gold Plus Rewards but these are, in all honesty, no better than deals that are generally available.

Hotel booking benefits

You can access the Amex Fine Hotels & Resorts Programme.  This offers genuine added value benefits at a large number of luxury hotels across the world.  These include a GUARANTEED 4pm check-out, free breakfast, an upgrade if available at check-in and typically a $100 credit towards on-property spending.

You receive £150 or equivalent cashback when you book a onefinestay home rental.  You can use this benefit an unlimited number of times.  There are no ‘cheap’ properties with onefinestay, however, and combined with a minimum stay requirement it is virtually impossible to spend less than £600.

Day to day earning

Both cards earn 1 Membership Rewards point per £1 spent on the card, with a few exceptions.

Both cards receive Amex Offers for making purchases at specific merchants. In my personal experience, I receive slightly more offers on The Platinum Card than Business Platinum. The offers on Business Platinum are not, in general, business-focused.

Differences between Amex business platinum and personal platinum

The following benefits are exclusive to American Express Business Platinum

You receive a free digital subscription to The Times and The Sunday Times.  This is worth over £300, and if you currently pay for this it is a huge incentive to take out the card. I have come to value this benefit and would probably continue to pay for it even if I cancelled my Business Platinum card.

You receive £150 credit per year to spend with Dell. No minimum spend applies but the credit is split into two parts. You can earn £75 cashback between January and June and £75 cashback between July and December.

The following benefits are exclusive to The Platinum Card (personal)

You receive Eurostar lounge access irrespective of your class of travel. You cannot bring a guest but your partner could accompany you if you issued them with the free supplementary Platinum card. Staff will often allow children in at quiet times but this is not guaranteed and a family may be turned away.

You receive £10 per month of Addison Lee taxi credit. This is only useful if you live or work in or around London and you will struggle to get a car if you do not pre-book well in advance. The credit is not cumulative if not used in a particular month.

You receive £100 per year of Harvey Nichols credit, split into a £50 credit for each half-year. You can order items instore or online.

Differences between business and personal american express platinum cards

The following benefits differ between Business Platinum and The Platinum Card

Annual fee

American Express Business Platinum is £595 per year whilst The Platinum Card is £575.

Annual fees are refundable pro-rata if you cancel during the year.

Annual fees are tax deductible for the percentage of spending which is done for business purposes.

Sign-up bonus

The Platinum Card (personal) currently has a sign-up bonus of 60,000 Membership Rewards points.

In normal times, The Platinum Card has a bonus of 30,000 Membership Rewards points. Business Platinum has a bonus of 40,000 Membership Rewards points.

The sign-up bonus rules are different between the two cards:

  • You receive the bonus on Business Platinum if you have not had any Membership Rewards card, personal or business, in the previous 13 months
  • You receive the bonus on The Platinum Card if you have not had any personal Membership Rewards card (Business cards are not counted) in the previous 24 months

This means than an existing holder of Business Platinum could get The Platinum Card bonus but an existing holder of The Platinum Card could not get the Business Platinum bonus.

Travel insurance

Both cards come with comprehensive travel insurance.  The coverage with Business Platinum is stronger in some areas – you are covered up to the age of 80 (vs 70 for The Platinum Card) and there is no requirement to pay for anything on American Express to receive full coverage.

Even if you are not between 70-80 yourself, remember that you can cover family members by issuing free supplementary cards to them, up to the limits allowed by each card.

I strongly recommend you read the policy documents for each card, available via the application websites here and here, if this is important to you.

Supplementary card bonuses

Both cards can offer a bonuses for adding your first supplementary card.

The offer is seeming permanent for personal Platinum via this page of the Amex website. There is no offer at present on this page of the Amex website for business cardholders.

Business Platinum has regular offers of 5,000 bonus Membership Rewards for adding even more supplementary cards. You can earn up to 25,000 points this way.

Refer a friend bonuses

Both cards allow you to earn up to 90,000 Membership Rewards points per calendar year by referring friends for American Express cards.

Business Platinum cardholders receive a higher bonus of 18,000 points per successful referral, compared to 12,000 points for holders of The Platinum Card. These numbers are often higher during regular promotions.


There is no obvious answer to the question of whether American Express Business Platinum is better than The Platinum Card ……

….. assuming, of course, that you have some sort of business – or are in the process of launching one – and so qualify for Business Platinum.

I have both cards, so I get the best of both worlds. I would find it difficult to choose if I had to:

  • I value the Eurostar lounge access on my personal card, and living in London I ensure I use the £100 of Harvey Nichols credit (although it has become increasingly hard to use the Addison Lee credit in recent months due to their acute driver shortage)
  • I have come to value the free subscription to The Times and The Sunday Times via Business Platinum. If I paid for this it would cost £180 per year for smartphone-only access and £312 for an identical package to the Amex one. I have also ordered the odd Dell item with my free credit.

More information

Please take a look at the official American Express websites if you require additional information about any of these benefits, especially insurance.

The Amex Business Platinum website, which contains full details and the application form, is here.

The Platinum Card website for the personal card, which contains full details and the application form, is here.

The doubled 60,000 point bonus on The Platinum Card (personal) ends on 1st June.

Want to earn more points from credit cards? – June 2022 update

If you are looking to apply for a new credit or charge card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards.

Until 18th July 2022 there is an astonishing special offer on these cards. You get 50,000 Avios on the Avios Plus Mastercard and 10,000 Avios on the free Avios Mastercard. You can apply here. We strongly recommend getting the Avios Plus card whilst this offer is running.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

50,000 Avios for signing up (A CRAZY SPECIAL OFFER!) and an upgrade voucher for spending ….. Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

10,000 Avios for signing up (SPECIAL OFFER) and an upgrade voucher for spending £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: The sign-up bonus on Amex Gold is increased from 20,000 Membership Rewards points to 30,000 Membership Rewards points until 19th July 2022. This card is free for the first year.

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

American Express Amex Gold

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback (3% on business travel for four months) and no annual fee Read our full review

Comments (47)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Si says:

    Hi Rob, you mention that there is no requirement to pay for anything on an American Express card…could I just confirm that this statement “You, your family, as well as your Supplementary Cardmembers are covered, whether travelling together or travelling alone on business and leisure trips of up to 120 days when travel is booked on your Card” on the Amex website is therefore not true in practice? Thanks for your article 👍

    • Rob says:

      No, you rely 100% of the legal insurance document.

      If the Bus Plat document says that then they have changed it for new customers (existing customers haven’t been notified on anything). I’ll take a look.

  • masaccio says:

    As an aside, if anyone does pay separately for the Times subscription, it’s worth knowing you can also get it through Apple News+ which obviously gives you access to other premium news sources. It’s unfortunately not part of Readly which is a bit rubbish for newspapers

    • QwertyKnowsBest says:

      You can sign up for Times subscription as an expat at a reduced rate. You need an overseas address 😉. If in the UK trying search for the landing page to subscribe using a VPN. Was a bargain at £5.p.m. but recently increased to £9.99.

    • Mike says:

      Or you can read all news papers worldwide completely free of charge using the PressReader App and a local library account number – this is the best tip I ever got from HFP. Hat tip to the late great and much lamented contributer the one and only Harry ( I miss that guy).

      This has saved me a small fortune over the last three years as I used buy a Telegraph and Mail every day to read at work as my job is not that busy !

      • FFoxSake says:

        Great tip, but can’t find the UK Times or Sunday Times on there.

      • John says:

        “I used buy a Telegraph and Mail every day.” Get well, soon.

    • Fazzy Bear says:

      Signed up via my nephews Unidays account in 2018 for the Times digital subscription and its still rolling over 4 years later. £25 a year.

  • Tom gold says:

    Brilliant summary, thanks.

    Is there any option of referral points from personal to business?
    Is the there more than 1 FREE supplement card for the business platinum?

    • Rob says:

      Extra Plat supps are £295 – I got one for Sinead. Still good value for a Priority Pass and the hotel status cards.

  • Nicholas says:

    Addison Lee credit is virtually worthless given they seldom have any taxis actually available

  • Entitled says:

    The business card used to have a 6mth fallow period between applications. Is 13mths here to stay?

  • Chas says:

    Question on the travel insurance for family members (and I know Rob strongly recommends we read the policies ourselves….): my (currently) 17 y.o. daughter will be going on holiday with friends within a few days of her 18th birthday. Will she only be covered if she has a card in her name as she won’t be travelling with me? If I want to give her a supp card will that only be possible once she’s turned 18? Will be too tight for the card to arrive as she leaves 2 days after her b’day… I have both the personal and business plat cards too – as she has nothing to do with the business can I only give her a supp on the personal card?

    • Thegasman says:

      “You are entitled to the insurance benefits under the policy from the moment the Card is activated and for as long as the eligibilty criteria continues to be met or until we withdraw or cancel the insurance benefits by notice to you.
      Worldwide Travel Insurance provides cover for the Cardmember and Supplementary Cardmember, their respective partners and dependent children under the age of 25, whether travelling together or travelling alone on business and leisure trips of up to 90 days.
      When any of your children are travelling between full time education and employment, between scondary and higher education, or when studying abroad (a ‘Gap Year”), the benefits under Section 1 shall be extended for the full duration of the Gap Year up to a maximum trip of 365 consecutive days. This benefit applied to only one trip of up to 365 days continuous travel per child.”

      She would still class as a dependent I imagine unless she lives in her own place, with a job that is capable of funding all her living expenses

      • Chas says:

        Wonderful – thank you so much. Yes, still very much dependent (and I guess she will be for a number of years to come….!).

  • JC says:

    Addison Lee never has any cabs. Even if you try and book an airport job months in advance. It’s worthless.

    Furthermore, the Amex concierge service is truly abysmal. The amount of times they say they’ll set a reminder and get back to you, but never do makes them worthless as well. You have to constantly chase them up and you’ll be lucky if they’re able to get you a table for two anywhere in London. I’d say 10% of the time you’re lucky. Any more than two people – no chance.

    I value Fine Hotels & Resorts for the 4pm late checkout, but aside from that, it’s tough to justify the £575 fee when you can get all the other benefits through other means for a fraction of the cost.

    • Rob says:

      AddLess was perfectly fine at one point. During covid they lost all of their drivers (or fired them) and now can’t get them back for love or money – they were offering £5k sign-on fees recently. Everyone decided that driving for Amazon or Ocado was less bother and more money, with better hours.

      It’s a global issue – the Lyft share price crashed yesterday after it admitted it would need to basically bribe people to drive for it in the US, and Uber fell 10% in sympathy.

      • JC says:

        Oh agreed – getting an Uber or Bolt in London has been near on impossible too. But offering a £10/month benefit you can’t use means it’s not really a benefit and the other benefits have to make up for it.

        Personally, I don’t feel the Platinum card has managed to innovate as much as other cards have. These cards are now a dime a dozen – Revolut Metal, HSBC World Elite – they all offer roughly the same thing with various USPs. HSBC Premier arguably offer way better and comprehensive travel insurance. If you want the hotel benefits, there are other means to get them (aside from albeit the 4pm checkout). The concierge service is worse than nothing because they’re lazy and don’t get back to you – so it’s not a benefit.

        I expect in the next couple of years if Amex don’t find new ways to improve the Platinum product, the fee they keep increasing will mean less and less people find a need to renew. The Centurion card which is £2k a year – I scoff at people who find value in that!

        • dougzz99 says:

          But presumably there’s a contract that didn’t foresee a global pandemic and such a shift in certain things.

        • JDB says:

          Yes, the HSBC Premier insurance is significantly better (and free with a Premier account) and the hotel benefits are entirely illusory; much more can invariably be negotiated with the hotel.

    • dougzz99 says:

      You never know with insurance until you come to claim, but a couple of weeks cover on a car in the USA right now could cover the fee with no other consideration.

      • The Savage Squirrel says:

        ??? You can get a year’s worth of comprehensive hire-car cover, including USA, for a quarter of the fee.

      • JDB says:

        The Amex Plat car hire insurance is good for CDW/theft (and people report good claims experience) but poor in respect of LIS/third party cover limited to £50k outside the US.

  • Lee says:

    Just used the Amex “CENTURION” lounge in Heathrow airport. What an embarrassement. Dark far away location. Food and beverage sub par. Food not fresh and wine £8 at Tescos and no champagne just something ugly sparkling from who knows where. Went quickly back to the Virgin club lounge!!

    • Rob says:

      I don’t think anyone would voluntarily turn down the Clubhouse given a choice!

    • dougzz99 says:

      The Amex lounges I’ve used are typically nice, but stupidly overcrowded making them unpleasant. Like a version of so much in life, it would be good but other people ruin it.

      • G says:

        The drinks offering and food needs much improvement. It is worse than what you get in economy anywhere. Rubbish
        Worst lounge in Heathrow I think…

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