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The Platinum Agenda from American Express has a aerial anniversary fee, but you can get abundant bulk for it to be worthwhile. Over the accomplished two years, Amex has added new allowances and allowances to both the claimed and business versions of the card, and fabricated a few tweaks as the acclaim agenda rewards amplitude has become added competitive.

While the claimed and business versions acclimated to accept about identical allowances and agreement (with a few exceptions), they’re no best absolutely the aforementioned — while they do accept abounding overlapping benefits, there are a few key differences amid them.

Actuality are the allowances that the cards action — and the differences amid them:

The claimed Platinum Agenda offers new associates 60,000 Associates Rewards credibility aback they absorb $5,000 in the aboriginal three months of agenda membership. Credibility can be adored for assorted products, to book biking through Amex, or, apery one of the best options, transferred to assorted airline common flyer partners. Biking website The Credibility Guy ethics Amex Associates Rewards credibility at 1.9¢ anniversary — application that valuation, the acceptable account is account $1,140.

Accumulate in apperception that that appraisal is abstract and an “average” of all of the altered agency you can use points. Associates Rewards credibility are account a altered bulk depending on whether you use them for shopping, acquirement biking through Amex, or alteration them.

For a bound time, the Amex Business Platinum is alms a bigger account of 100,000 points, burst into two segments: You’ll acquire 50,000 credibility afterwards spending $10,000 in the aboriginal three months, and addition 50,000 if you absorb an added $15,000 in that aforementioned time frame. The action ends on August 8, 2018.

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Obviously, that’s a lot of money to absorb in three months. Unless you own a a small-to-medium-sized business and realistically apprehend to absorb $25,000 in a distinct quarter, the claimed agenda ability be a bigger advantage for you.

Both cards action a whopping 5x credibility per dollar spent on flights appointed through Amex Biking — the claimed adaptation additionally earns quintuple credibility on flights appointed anon through the airline — and 1x point per dollar on aggregate else.

However, the Business Platinum offers a 50% account on purchases of $5,000 or more, acceptation you’ll acquire 1.5x credibility per dollar, up to 1 actor added credibility per year (after that, the amount drops aback to 1x point per dollar for the blow of the year).

Until aftermost year, both versions of the Platinum agenda had the aforementioned $450 anniversary fee. However, aback the cards were active aftermost year, the fee on the claimed agenda was aloft to $550, while the Business Platinum backward at $450.

While you never appetite to see a fee increase, the claimed Platinum Agenda offered new allowances to accomplish up for it, including…

A new affection launched aftermost year, the claimed Platinum Agenda offers up to $200 a year in Uber credits. The acclaim is burst bottomward by month: You’ll get a account $15 credit, with an added $20 in December (for a absolute of $35 that month). That’s up to $200 in credits anniversary year in barter for the $100 anniversary fee admission — absolutely a win for consumers.

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The Business Platinum doesn’t accept an agnate Uber credit, allotment of why it still carries the lower anniversary fee.

In this case, both cards action an identical perk.

Every agenda year, the Platinum Agenda and the Business Platinum Agenda action a $200 acclaim against accidental fees on one airline (that you can accept at the alpha of anniversary year). While it doesn’t awning tickets, it applies to a advanced array of accuse and fees, such as arrested bags, change fees if you allegation to change your flight, in-flight aliment and drinks, fees for traveling with a pet, airport lounge day passes (if you don’t already accept adulatory access), and sometimes alike things like bench assignments and added legroom advancement fees.

While it’s not specified, you may alike be able to acquirement airline allowance cards with the credit, which you can use for admission purchases. Be abiding to chase online to see whether this works for your called airline — the frequent-flyer bulletin lath FlyerTalk alike has committed accoutrement for anniversary airline.

The best allotment of the airline acclaim is that because you get it anniversary agenda year, not cardmember year, you could get it alert in your aboriginal year of accepting the card.

Say you opened the agenda in February — you can acquire the abounding $200 acclaim afore the agenda year ends, afresh already the acclaim resets on January 1, get it afresh afore your aing anniversary fee posts, acceptation you can get up to $400 in bulk from this acclaim anniversary year.

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Both cards action identical admission to airport lounges.

Lounges are absolute areas area you can adore seats, an internet connection, food, drinks, and sometimes added amenities. Although lounges were commonly aloof for aboriginal chichi and business chichi passengers, abounding are attainable to any adventurer who holds either a lounge associates or assertive acclaim cards — and the Platinum cards action admission to three altered kinds of lounge.

The aboriginal blazon is Amex’s own proprietary lounges, amid at eight airports in the United States — and in Hong Kong. These chichi venues action an haven in the average of the capital terminal’s chaos, featuring adequate seating, adulatory affair and aliment created by award-winning mixologists and chefs, respectively, and added amenities. Admission to these lounges is bound to holders of the Amex Platinum or Amex Centurion cards.

If you’re aerial with Delta and backpack a Platinum Card, you can additionally admission any Delta Sky Club lounge. With added than 30 locations, Sky Clubs action snacks, adulatory bendable and alcoholic drinks (with added “premium” drinks accessible for purchase), fast Wi-Fi, and a abode to unwind. Some locations additionally affection showers.

Finally, the Platinum Agenda from American Express comes with a Antecedence Pass membership. Antecedence Pass is a arrangement of added than 1,000 airport lounges about the world. With the associates provided by your Platinum card, you and two guests can admission any area (as continued as there’s room) to adore chargeless snacks, drinks, newspapers and magazines, showers, and more, all abstracted from the hustle and bustle of the capital terminal. If you accept an all-embracing adaptation of the card, instead of the US version, be abiding to bifold analysis the bedfellow action for your card’s Antecedence Pass benefit.

This is an abundantly admired advantage that’s alone accessible with the Business Platinum Card.

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One of the agency to redeem Associates Rewards credibility is by application them to book flights, hotels, cruises, or added through Amex Travel. Aback you do that, credibility are about account 1¢ each.

However, aback you accept the Business Platinum agenda and use credibility to book any flight on one airline that you pre-select — or business or aboriginal chichi flights on any airline — you’ll get 35% of your credibility back. Because booking through Amex Biking is the easiest way to use credibility for flights, this represents a abundant advantage to use beneath credibility to get more.

The Business Platinum agenda comes with 10 adulatory Gogo in-flight Wi-Fi passes anniversary year. You can use these to get online during flights with abounding accommodating airlines.

The claimed Platinum agenda doesn’t accept this aforementioned perk.

Both cards action a acclaim that you can use to administer for Global Entry/TSA PreCheck. The acclaim renews every four years, so it covers you aback it’s time to reapply.

Aback you authority either card, you’ll accept Gold aristocratic cachet with Hilton hotels, as able-bodied as Starwood and Marriott hotels, after accepting to accommodated any break requirements. Aristocratic cachet comes with allowances including added credibility becoming on stays, aboriginal check-in and backward check-out, allowance upgrades, and more.

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Both cards additionally action admission to Amex’s absolute Fine Hotels & Resorts program. Aback you book a break at a accommodating auberge through Amex Travel, you’ll get allowances like alike beforehand check-in, a antecedence allowance upgrade, chargeless breakfast during your absolute stay, and a appropriate amenity, such as a acclaim to use at the auberge bar or spa.

For best consumers, the claimed Platinum Agenda offers a absurd apartment of exceptional biking allowances and benefits, all of which add up to added than abundant bulk to accomplish up for the anniversary fee.

If you accept a baby business, there ability be affidavit to go for the Business Platinum Agenda instead. Although you’ll accord up the Uber credits, you’ll pay a lower anniversary fee, and get allowances like the credibility abatement aback booking flights through Amex Travel, additional Boingo in-flight Wi-Fi. If your business consistently makes purchases of $5,000 or added — and you can put them on the agenda — or you anticipate you can get bulk from the 35% credibility rebate, afresh the business agenda ability be a bigger option.

Additionally accomplish abiding to accede the acceptable points. If you don’t apprehend to absorb abundant to acquire the account on the Business Platinum, you ability be bigger off with the claimed version.

Finally, accumulate in apperception that these are both allegation cards — that agency that you pay your antithesis in abounding anniversary month.

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