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American Express The Business Platinum Card vs The Platinum Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. The Business Platinum Card 2.0% 1x base rate
  2. The Platinum Card 2.0% 1x base rate

Electronics stores

  1. The Business Platinum Card 4.0% 2x
  2. The Platinum Card 2.0% 1x base rate

Home improvement

  1. The Business Platinum Card 4.0% 2x
  2. The Platinum Card 2.0% 1x base rate

Shipping

  1. The Business Platinum Card 4.0% 2x
  2. The Platinum Card 2.0% 1x base rate

Flights

  1. The Platinum Card 10.0% 5x, capped
  2. The Business Platinum Card 2.0% 1x base rate

Flights · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x
  2. The Platinum Card · American Express Travel 10.0% 5x

Hotels · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x
  2. The Platinum Card · American Express Travel 10.0% 5x

What the numbers are doing

The Platinum Card's 5x on flights runs out: it applies to the first $500,000 of flights spend a year, and everything past that earns 1x.

Where they differ: The Business Platinum Card takes electronics stores, home improvement and shipping; The Platinum Card takes flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseThe Business Platinum Card2.0%
Electronics storesThe Business Platinum Card4.0%
Home improvementThe Business Platinum Card4.0%
ShippingThe Business Platinum Card4.0%
FlightsThe Platinum Card10.0%
Flights · portalThe Business Platinum Card · American Express Travel10.0%
Hotels · portalThe Business Platinum Card · American Express Travel10.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. The Business Platinum Card — 2.0%
  2. The Platinum Card — 2.0%

Electronics stores

  1. The Business Platinum Card — 4.0%
  2. The Platinum Card — 2.0%

Home improvement

  1. The Business Platinum Card — 4.0%
  2. The Platinum Card — 2.0%

Shipping

  1. The Business Platinum Card — 4.0%
  2. The Platinum Card — 2.0%

Flights

  1. The Platinum Card — 10.0%
  2. The Business Platinum Card — 2.0%

Flights · portal

  1. The Business Platinum Card · American Express Travel — 10.0%
  2. The Platinum Card · American Express Travel — 10.0%

Hotels · portal

  1. The Business Platinum Card · American Express Travel — 10.0%
  2. The Platinum Card · American Express Travel — 10.0%
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