Explore all the thrilling benefits, offers and rewards of your Platinum Travel Credit Card that you get to enjoy as a cardholder. Amex and Chase points are both worth 2 cents each in TPG's valuations, and both bonuses require the same amount of spending ($15,000 in the first three months). While both share some similarities, there are notable contrasts that cater to distinct financial preferences. Legal business name. You should not use these cards for most Amazon seller transactions: Amazon Business American Express Card. Capital One Venture X Rewards Credit Card The Platinum Card from American Express; Welcome offer: 75,000 miles after spending $4,000 on purchases within the first three months:The SimplyCash Card from American Express rewards everyday spending with a flat earn rate of 1. American Express Blue Business Cash™ Card At a Glance. So, these two premium cards are not only great for travel, but they are also useful for everyday spending. The Business Platinum Card® from American Express is unquestionably the best premium business card, thanks to its slew of perks and ability to earn flexible, valuable Membership Rewards points. While the Venture X may offer more earning opportunities, keep in mind that TPG values Amex Membership Rewards at 2 cents each while Capital One miles are valued at a lower 1. If you do not pay for two billing periods in a row, the fee is the greater of. S. 24% APR for Pay-Over-Time purchases, which is lower than many premium travel rewards cards -- but still much higher than you should ever be paying. Refer A Friend. Free $15 Uber every month! ;) Updated: AmEx Platinum letter stated, “ we have suppressed the following fees from billing on your account statement for the duration of your active military duty. In comparison, The Business Platinum Card® from American Express is loaded with perks, and each benefit (however valuable it may be) requires a bit of. I’ve had the delta platinum and reserve cards. The Amex. If your Card is not listed on this page or if you are an Additional Card Member, please call the. Manage payables and receivables all in one place. In 2011, they put a spending limit on my account of $1500. You’ll also earn 1x points for each dollar you spend on eligible purchases. Here are most of the families: Personal charge cards (Green, Gold, Platinum, and Centurion) Business charge cards (Plum, Business Green, Business Gold, Business Platinum, and Business Centurion)Amex Platinum vs Amex Platinum Schwab. 5% cash back on any eligible portion of your balance you pay within 10 days. Membership Rewards. American Express Platinum. THE POINTS GUY. The 2 look very similar to me in terms of annual fee and benefits. While Amex is making a few updates to its top-of-the-line cards, the real kicker is the increased annual fee for authorized users on the personal version of the Platinum card. The Amex Platinum card, however, earns Membership Rewards points whereas the Delta Platinum card earns Delta SkyMiles . The Amex Platinum currently offers a welcome bonus of 80,000 Membership Rewards points after you use your new card to make $8,000 in purchases in your first six months. Amex Business Gold Card vs. The Business Platinum Card® from American Express (up to $200 airline fee credit) The Platinum Card® from American Express (up to $200 airline fee credit) Daily Newsletter. . $2,000. Enrollment required. The American Express App. Not only does it free you from foreign transaction fees, but this card also gives you a 1. Like, Comment, and Share my videos!🔔 SUBSCRIBE HERE 🔔 👇 Watch My Other Videos Here 👇 👇★ The Alliant Visa Signature. The Platinum Card® from American Express is one of the top cards for frequent flyers, thanks to the 5x bonus category for airfare purchased directly from the carrier or through Amex Travel (on up to $500,000 on these purchases per calendar year). But these major benefits come with an. The two cards have similar earning structures. supermarkets on up to $6,000 per year in purchases, then 1%. The discount shows up as a. Credit Card Satisfaction Study by J. Last updated on August 21, 2020. Earning rewards with the Blue Business Cash vs. And you can unlock a free membership with a popular travel credit card. Pay It allows you to use the. 9. 1. Enjoy an introductory interest rate of just 2. Credit Score 101. 0% variable. Centurion. $250 Transaction Fees Foreign Transaction. It earns 1 point per dollar spent on all other purchases. For starters, Capital One Venture X offers an initial bonus of 75,000 miles for spending $4,000 in the first 3 months. On the surface, the personal card's terms might seem better. If. Bank Business Platinum Card is built for small-business owners who need temporary, low-cost financing. Yes. If you’re a committed United Airlines flyer, the United Club Infinite Card is a great option for a luxury travel experience. The Amex Business Gold card is a great choice for spending-oriented businesses that may have various types of spending, whether it’s on gas or advertising. Delta Travel Benefits. The three iterations of the Platinum I'm comparing today include The Platinum Card® from American Express (the most popular choice), The Business Platinum Card® from American Express and The American Express Platinum® Card for Schwab. Business Platinum to see which makes the most sense for your wallet. Winner: Venture X. The Amex Platinum card is an ultra-premium travel rewards card with a ton of benefits, so it only makes sense that it has an ultra-premium price tag to go along with it. The business version of the card bears an. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these. Annual fee of $695 ( rates & fees) 5x points on flights purchased directly with the airline or with Amex Travel (up to $500,000 per year) Amazing statement credits. You can with the Platinum by using the "Plan it" feature which has 0% APR promo on the Biz Plat. 5% cash back or pay up to 60 days later without. The Chase Sapphire Preferred charges a $95 annual fee, but comes with an impressive initial bonus of 60,000. 5% on balances paid before the due date. TPG's valuations peg Delta SkyMiles at 1. Business Credit Cards. To cancel a Plum Card, call customer service at 1 (800) 528-4800 and ask a customer service rep to cancel your card account. Spend $5k, pay it off, rinse and repeat. It offers a generous introductory rate of 0% for the first 12 months, then a 16. You can choose to pay for these purchases over time with interest, or you can pay your full balance each month, whichever is best for your business. Updated September 20, 2023. Welcome Offer. Consumer Cards (25) Small Business Cards (14) American Express®. The Business Platinum Card® from American Express is a premier travel and American Express Membership Rewards-earning card for small business owners. All Benefits & Features Cash Flow Flexibility Choose Your Billing Cycle Choose the time most convenient for your business to receive your bill each month. 07/16 used $2500 for renovations. The Business Platinum Card® from American Express can be a business traveler’s best friend. A Gold card's annual fee is $250 per year; the Platinum card's annual fee is $695. 1 NerdWallet rating The bottom line: This card makes sense for businesses that need wiggle room on their accounts payable. Other American Express cards offer purchase protection with a limit of up to $1,000 per occurrence and up to $50,000 per card member account per calendar year. Amex Plum gives a discount of 1. The Delta Reserve offers. Carry a Balance Without Interest: Where most cards that offer 0% APR do so for an introductory period, the Plum Card from American Express takes a different approach. So I am going to apply with AMEX to for their business cards and I am tied between the business Plat or Business Plum. Best for airline-specific perks. Annual fee. The Plum Card® from American Express is useful for small business owners who want the option to either make an early payment and earn 1. 5%; August 1, 2023 – 4%; August 1, 2024 – 4. Retailers eligible for cash-back in this category include, but are not limited to: The annual fee for the Amex Blue Cash Preferred card is $0 intro annual fee for the first year, then $95 , while the annual fee for the Amex Platinum card is $695. However, certain premium cards cover your purchases for up to $10,000 per incident, with the same limit of up to $50,000 in total claims per calendar year. The benefits are lesser too, but the Delta SkyMiles® Gold Business American Express Card does offer Main Cabin 1 Priority boarding, a $100 Delta flight credit each calendar year you spend $10,000. Some applicants won't be eligible for this. Rewards: The Plum Card® from American Express does not offer a rewards program, but you do get 1. None. Authorized User Fee. Earns 5 Points per Dollar on Flights — [$100+] The Amex Platinum card earns a whopping 5 Membership Rewards points per dollar on airfare purchases made directly with the airline, up to $500,000 per year. 1. American Express SmartEarn™ Credit Card. View All Prepaid & Gift Cards; Banking. Spend between $250,000 to $350,000 per year on your Amex credit cards for the personal Centurion card or $400,000 to $500,000 for the business version (though some reports say you need to spend. Card details Capital One Venture Amex Platinum Chase Sapphire Preferred; Annual fee: $95: $695 (see rates & fees) $95: Bonus: 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening or 50,000 miles if you spend $3,000 on purchases in the first 3 monthsEligible purchases can be paid over time, up to the amount of your Pay Over Time Limit on your account. 5% “cash-back,” which is actually an early payment discount. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Getting a free, year-long WeWork hot desk membership is easy: just open a Business Platinum Card ® from American Express. American Express® Platinum ReserveSM Credit Card. Since the Amex Platinum card is $600 more each year, you’ll want to make certain that all of the benefits you receive from the card are worth it for you. 25% on everything else. And that makes it the clear winner when it comes to lounge access. Bank Business Platinum Card is built for small-business owners who need temporary, low-cost financing. Your all-new metal Platinum Card Benefits. *; MORE REWARDS: Get 4X Membership Rewards ® points on the 2 select categories where your business spent the most each month. A $39 late. Generally, Citi focuses on cash-back, no-frills service, and low fees. The four different types of American Express Platinum cards come with similar travel benefits but there are a few key differences. Also, this card only earns 1. August 1, 2021 – 3%; August 1, 2022 – 3. Terms apply. The card's $695 annual fee, which increased from $550 in 2021, is among the highest in the industry. American Express Gold is a better card to use abroad than Amex Platinum, because you earn double Membership Rewards points when spending in a foreign currency. $100 NEXUS Card Statement Credit – American Express® Platinum Cardmembers are eligible to receive up to $100 CAD in statement credits every four (4) years for application or renewal fees for the NEXUS program when charged to an eligible Card. Delta SkyMiles® Gold American Express Card. *. Blue Cash Preferred® Card from American Express: Best for Family spending: Groceries, gas, transit, streaming. High credit limits. The Business Platinum card is offering 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first three months of card membership. Cost includes $12. or . The American Express Platinum Card is one tier lower. $39 . New personal Amex Platinum card members can currently earn 80,000 bonus points after spending $8,000 on purchases in the first six months after opening the. ‡ and earn 2 miles per dollar at U. The Amex Platinum consistently has one of the most valuable welcome offers out there. Make Purchases Online. Rates & Fees. 80,000. 5% cash back) Once pre-paid a large amount on the Plum in order to make a charge that was 3x the preset limit; Swiped the hell out of the Platinum Card, making mid-cycle payments to keep it usable and under the preset limit. com and through the Fly Delta app. So, if you have two additional users, you’ll pay a $700 annual fee, which takes it to pretty much the same level as the Amex Platinum. The variable APR on the Amex Gold can range from 15. Completely paid off my AmEx Cash Magnet card; Always paid the Plum card within a few days after statement cut (bonus: 1. Here's the thing: The The Business Platinum Card® from American Express is getting the CLEAR membership credit, too, and without the $695 price tag. The personal card rewards the referrer with 10,000 Aeroplan points per referral, while the business card awards 20,000 Aeroplan points per referral. Smaller annual fee. 2. Delta SkyMiles® Platinum American Express Card - best for mid-tier delta flyers. Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. The Aeroplan Reserve cards can refer to each other. Chase Sapphire Reserve: Reserve Has More Mass Appeal. Level 2: Mid-tier cards. Welcome bonus. You’ll be asked to pay $250 per year to keep your card. Apply Now. Card Members must pay in full all charges not included in a Pay Over Time balance. 8. On American Express's Website 5X Reward Rate Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and. Rates & Fees. If you’re not sure when you’ll have the money to pay your bill, this card provides some wiggle room. You can add an authorized user to your Amex Platinum card for $195. 5% for paying early or you can get up to 60 days interest-free (on new balances) when you make the minimum payment. 5% . Instead of cash back, you’ll receive an unlimited 1. . Overview of the best no preset spending limit cards. Enjoy 1 year of complimentary access to Hole19’s premium4 features. At first glance the increase from. Delta Travel Benefits. 95 plus applicable local sales tax. Here are the details on the rates and fees of. All the color ones with pay over time are charge cards. ago. The Centurion doesn't have any plastic either. CreditSecure®. Emergency medical transportation assistance (may cover eligible. American Express® Platinum Card . None. Bottom Line: While the Amex Business Gold card earns Membership Rewards points that have several flexible redemption options, the Amex Plum card offers the simplicity of a cash-back bonus applied at full value directly to subsequent monthly statements. Both card impose a 3% foreign exchange fee on transactions outside the UK. We're comparing the Amex Business Gilded card to the Amex Plum card to support them determine welche card the greatest for your business how. Track spending & rewards, find offers, review your balance, pay your bill and enjoy features only available in the Amex. For these reasons, we value Amex points at around 2. Rates and fees. Select the Card below to read the full Policy for Extended Warranty related to that Card. Amex Platinum Card — Overview Here is a quick look at how both cards stack up in each major review category. ISABELLE RAPHAEL/THE POINTS GUY Overview of Amex Platinum authorized users. 5% . If you invest/bank with Schwab you can receive a partial refund of the annual fee. The Amex Blue Business Plus card is arguably the best no-annual-fee business credit card you can have. But one of the most tangible perks of select American Express cards is airport lounge access. Centurion. r/amex • Amex Plum No Preset Spending Limit and Personal Delta card. The Blue Business® Plus Credit Card from American Express offers 2% cashback on the first $50,000 each year and 1% thereafter. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. The Plum Card® from American Express overview. The Business Platinum Card® from American Express. With amazing benefits like best-in-class airport lounge access, hotel elite status, and. While every cardholder has their reasons for considering a downgrade, the Amex. American Express ® Business Gold Card. View side-by-side comparison of rewards, rates, fees, and benefits at CreditDonkey. OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. This feature lets you split large purchases into monthly payments by paying a fixed fee and no interest charges. Corporate Programs. Centurion. Both card impose a 3% foreign exchange fee on transactions outside the UK. $695. The Amex Platinum card comes with a long list of premium travel and shopping. 2. Our other UK airline and hotel credit card reviews can be found here. If. American Express Charge Cards include privileges that are designed to enhance every aspect of your jetsetter life, such as air miles, hotel accommodation, and shopping vouchers. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but it's also much less restrictive. Amex Platinum details: Annual fee: $695: Welcome bonus: 80,000 Membership Rewards Points after spending $8,000 on purchases in the first six months of card membershipFor example, The Platinum Card® from American Express offers some of the most generous perks available for frequent travelers, including the most extensive airport lounge access of any rewards card. TPG's valuations peg the value of Membership Rewards points at 2 cents each, making the 80,000-point bonus worth $1,600. Retailers eligible for cash-back in this category include, but are not limited to:The annual fee for the Amex Blue Cash Preferred card is $0 intro annual fee for the first year, then $95 , while the annual fee for the Amex Platinum card is $695. When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express. 99% (see rates and fees) with the Pay-Over-Time feature. If you prefer talking to someone, report your claim by calling 800. Earn an annual $200 cash bonus every year you spend $200,000 or more. First checked bag free on Delta Flights ‡. Both The Platinum Card® from American Express and the Delta SkyMiles® Reserve American Express Card offer welcome bonuses for new cardmembers. 8. The Gold Card’s current. Both cards offer a variety of statement credits and perks to help offset their yearly fees. It seems likely that a huge reason for this increase is due to the fees between the networks becoming closer aligned. 60,000 bonus points after you spend $6,000 on purchases. Earlier this year, however, American. A 4-digit number on the front, just above your credit card number”. Earn $1,000 cash-back after you spend $10,000 on purchases in the first 3 months. Extended Warranty¹. Rewards: Earn 2% on gas and groceries and 1. The break even point vs standard cards for most platinum cards is somewhere around the 30k mark. Learn More. You have nothing to lose by applying. Your Card number and expiry date can be found etched on the reverse of the Card. 5% back for paying your bill early. MARTIN DIMITROV/GETTY IMAGES. The American Express® Gold Card costs about $400 less in annual fees than The Platinum Card® from American Express, a significant difference. 4% return on spend. or . If you’re looking for a hotel-specific credit card, then the Hilton Honors American Express Aspire Card is one of the best out there when it comes. If you need to carry a balance, Amex offers a feature called Pay Over Time, with interest rates similar to a credit card. Step one, of course, will be to activate your card online or by calling the number posted on the sticker attached to the front of your card. Welcome bonus. of the past due amount, whichever is greater. If you do not pay for two billing periods in a row, the fee is the greater of. Chip Lupo, Credit Card Writer. Select the Card below to read the full Policy for Extended Warranty related to that Card. And Amex's network of Centurion Lounges is among the most exclusive in Amex's Global Lounge Collection. S. Hot Tip: We value American Express. The Platinum Card. The Platinum Card® from American Express is one of the top cards for frequent flyers, thanks to the 5x bonus category for airfare purchased directly from the carrier or through Amex Travel (on up to. Rewards and discounts. The American Express Platinum Card®. 99% Variable. However, certain premium cards cover your purchases for up to $10,000 per incident, with the same limit of up to $50,000 in total claims per calendar year. Delta has severely nerfed the value of their skymiles over the past years so it’s better to have the Amex platinum card and have flexibility over where your points go than to be limited to delta’s price fixed skymiles. 24% APR for Pay-Over-Time purchases, which is lower than many premium travel rewards cards -- but still much higher than you should ever be paying. Rates & Fees. S. 2% back at a minimum, could even make it 2. We're comparing who Amex Business Yellow card to the Amex Plum card toward help her specify which map is best for your employment mode. $695 (rates & fees): Best for Travel & Lounges: American Express ® Business Gold Card: CARD REFRESH: Earn 70,000 points after. And it's half the price of the Delta SkyMiles® Reserve American Express Card, with a. Based on identical spending inputs, you’ll earn $510. An expanding network of airport lounges, the American Express Global Lounge Collection® is dedicated to offering Platinum Card Members more lounge options than any other card on the market*. Annual fee: $295 ($375 if application is received on or after 2/1/24). You can also contact customer service online through the live chat feature from your account. This coverage is in excess of coverage provided by the common carrier. American Express Plum Card is a business and cash back charge card. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4. The Amex Blue Cash Preferred card earns bonus cash-back on transit, including tolls, buses, trains, parking, and more. American Express offers excellent membership benefits on its premium cards, including various luxury travel perks. Compare American Express Platinum vs American Express Plum Card and see which is better. ‡. Bonus value*. We're comparing the Amex Business Gold card to the Amex Plum card toward help you determine which card is best for your company operation. Blue Cash Everyday® Card from American Express - best for cash-back beginners. The Amex Business Green card usually has a decent welcome bonus (see table above), and a $0 introductory annual fee for the first year, then $95. Oh, and both come with worthwhile bonuses. You could also be targeted for a higher bonus through the CardMatch tool (although offers through CardMatch are not. $250 Transaction Fees Foreign Transaction. Delta Platinum Card [Detailed Comparison] Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months. S. Both cards have the usual generous American Express sign-up bonuses: The Amex Platinum Cashback card pays you 5% back on your spending in the first three months, to a maximum spend of £2,500 (so capped at £125 back). Finally, I think Amex Platinum cards are only approved for people that qualify for some minimum "hidden limit," and I've heard it's around $5k/month spend. Personal Savings. Use Pay with Miles to reduce the cost of Delta. 5% cash back on any eligible portion of your balance you pay within 10 days of your statement. com to select the best Business Credit Card Products for your needs. Fees Table . With this card you'll get access to not only Delta Sky Clubs, but also American Express Centurion Lounges, and Escape Lounges. S. You can choose to pay for these purchases over time with interest, or you can pay your full balance each month, whichever is best for your business. 5 percent early pay discount on eligible charges you pay within 10 days of your account statement closing date. 99% variable rate; which is still lower than most business cards. Welcome Bonus. Learn More About American Express Car Rental Loss and Damage Insurance Related for Your Eligible American Express Card and How to File a Claim. Learn more about the benefits Card Membership can provide. The card’s purchase rate is 31%. Increased Welcome Offer. I opened it in 2009 when I incorporated my business. Corporate Platinum Card; Corporate Purchasing Card; Personal Card Annual Credit; Prepaid Cards. Welcome bonus: 70,000 Membership Rewards points after spending $10,000 on. Whereby does the desired American Express Black Card—the choice of aforementioned elite—compare to one Amex Platinum Card? 4. See Rates & Fees Card Rewards. On the downside, it charges a steep $695 annual fee that can be too much for your budget if you don’t travel enough in the year to use all the. If you do not pay for two billing periods in a row, the fee is the greater of. Although the card comes with a $525. There’s no minimum purchase amount, so this could potentially get you up to $100 in value per year. $695. Being a Charge Card, your American Express® Platinum Card comes with no pre-set spending limit*, giving you. None. $550. 5 percent discount on eligible charges when you. S. Annual Credits This is a category in which things get far trickier and personal in terms of distinguishing a winner. Specifically, the Amex Platinum card has a $695 annual fee, while the Amex Green card has a $150 annual fee. The Platinum Card® from American Express currently is offering a good welcome bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6. 5% “cash-back,” which is actually an early payment discount. 07/18 - denied when I tried pay a licensing fee $160. Credit Cards. Apply for a Card: 888-297-1244. It is a good credit card. S. $550 ( rates & fees) Best for Delta Loyalists, Lounges. If your Card is not listed on this page or if you are an Additional Card Member, please call the number on the back of your. What am I missing? I looked up a bunch of older threads but I'm unsure if things have changed. In 2023, American Express increased the fee for authorized users of The Platinum Card® from American Express to $195 per person (terms apply, see rates & fees ). American Express Gold is a better card to use abroad than Amex Platinum,. For Frequently Asked Questions, please visit the Help Center. Fees Table . It offers a generous introductory rate of 0% for the first 12 months, then a 16. Corporate Platinum Card; Corporate Purchasing Card; Personal Card Annual Credit; PREPAID CARDS. 84 cashback per year with American Express Blue Business Cash and with American Express Plum Card. Here are the details on the rates and fees of the American Express. However, some TPG readers have been targeted for even better offers: up to 125,000 points on the personal Amex Platinum. The Plum Card is pretty expensive, though, charging a $250 annual fee. Rewards: The Plum Card® from American Express does not offer a rewards program, but you do get 1. Learn More. 2. Download App. Plus Up Benefits are excluded. The Plum Card ® Issuer: American Express National Bank. Delta SkyMiles ® Gold American Express Card. The card’s introductory 0% APR lasts for 18 billing cycles and applies to both. Business Credit Cards. Supermarkets ‡. Add a Supplementary (opens new window) American Express® Platinum Reserve Credit Card . Start Accepting Amex. This card has no preset spending limit and gives you 4X Membership Rewards® points on the 2 select categories where your business spent the most each month and 1 point per $1 on everything else. The Early Pay Discount allows you to earn unlimited 1. Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. I recently downgraded my reserve card back to a platinum to get the Amex platinum. or . It offers an eye-popping 6% cash back at U. View All Prepaid & Gift Cards; United States Change Country. 99% to 22. Sign the back of the card, and you’re ready to start using it. You can earn up to 225,000 MR points per calendar year this way – it’ll take quite a few referrals to hit the limit.