Below is the September 2025 updated Personal & Business Platinum card benefits master comparison list.
Amex Platinum Personal Vs Business Credits & Benefits
| Type of Credit/Benefit | Consumer Platinum Card | Business Platinum Card | Notes |
| 5x points on flights purchased directly from airlines | Yes | No | I recommend NOT using the Business Platinum to book flights directly from airlines and only use the Personal Platinum card to earn 5X points for these purchases. |
| 5x points on flights & hotels purchased from Amex portal | Yes | Yes | |
| 2x points on purchases of $5,000+ (Up to $2M per year) | No | Yes | |
| 2x points on certain purchases (Up to $2M per year) | No | Yes | Electronic goods retailers, software & cloud system providers, construction material and hardware suppliers, and shipping providers. |
| $400 annual Resy credit ($100 per quarter) | Yes | No | No need to book through Resy. Just use your personal Platinum card to pay the bill. |
| Platinum nights by Resy | Yes | Yes | Get special access to reservations on select nights at participating in-demand US Resy restaurants in select cities. |
| Dell $150 annual calendar credit | None | $150 annual credit; $1,000 off $5,000 single purchase credit | Try to get 2 Dell credits before you cancel the card. |
| Hilton Hotels $200 annual calendar credit | None | $50 every 3 months x 4 | Hilton gift card purchases may or may not work to activate the statement credit. |
| Airline Incidental Fee Annual Credit | $200 | $200 | Easy to claim these credits via United Travel Bank |
| Wireless Credit | None | $10/month | |
| Hotel Collection or the Fine Hotels + Resorts | $600/year ($300 every 6 months). | $600/year ($300 every 6 months). | One night for FHR and two nights minimum stay for Hotel Collection. |
| $200 annual Oura Ring credit | Yes | No | Subscription costs $69.99 USD annually. |
| $300 annual Lululemon credit ($75 per quarter) | Yes | No | |
| $300 annual Equinox+ Fitness App credit | Yes | No | |
| Uber VIP | $15 in monthly credit plus $35 credit every December | None | Use it for Uber Rides or Eats. |
| $120 annual Uber One credit | Yes. Valid on both monthly and annual Uber One membership purchases. | None | $0 Delivery Fee, up to 10% off eligible Uber Eats orders, 6% back in Uber credits on eligible rides, and exclusive member perks like promotions and priority access to top-rated drivers. |
| Walmart+ | $12.95/month | None | |
| Digital Entertainment | $25/month on Paramount+, YouTube Premium, and YouTube TV, plus Disney+, ESPN+, Hulu, Peacock, New York Times and the Wall Street Journal. | None | |
| CLEAR | $209 annual credit | $209 annual credit | |
| Adobe Creative Cloud or Acrobat Pro (through 12/31/24) | None | $250/year | Adobe Creative Cloud typical cost:(US$1,079.88/yr) & Acrobat Pro (US$239.88/yr) |
| Indeed ($360 annually) | None | $90/quarter | Indeed pricing is typically $150 per month |
| Equinox | $25/month | None | Equinox pricing is typically $200-450 per month |
| Emergency medical transportation & evacuation | Yes | Yes | This coverage has NO stated limit. |
| Repatriation of Mortal Remains | Yes | Yes | This coverage has NO stated limit. |
| Cell Phone Protection | Yes | Yes | Up to $800 per claim with a limit of two (2) approved claims per 12-month period, subject to a $50 deductible per claim. |
| Trip Delay, cancellation, interruption & baggage insurance | Yes | Yes | One-way bookings are NOT covered. |
| Fee Credit for Global Entry or TSA PreCheck | Yes | Yes | |
| Marriott Bonvoy Gold Elite Status | Yes | Yes | Useful to get free 4th night for point bookings. |
| Hilton Honors Gold status | Yes | Yes | Useful for free breakfast & 4th night free for point bookings. |
| Leaders Club Sterling Status | Yes | Yes | 5% Leaders Club points bonus on qualifying stays, and 5 pre-arrival upgrades annually |
| Complimentary premium status for car rental programs (Hertz, Avis & National) | Yes | Yes | Complimentary upgrades and speedy rental car pick up. |
| Sixt Platinum Status via Leaders Club Sterling | Yes | Yes | Up to 15% to 20% discounts, free upgrades upon availability, access to exclusive counters and parking. |