Amex Business Platinum Card vs. Amex Business Green Card [Detailed Comparison]

Updated: February 5, 2024, 2:31pm CST

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Amex Business Platinum Card vs. Amex Business Green Card [Detailed Comparison]

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When it comes to managing your business operation effectively, having the right business card plays an important role. There are plenty of business cards to choose from, but few financial institutions do a better job of business card offerings than American Express.

The company has strongly demonstrated its understanding of what business owners need and steps up by issuing a diverse collection of business cards appropriate for just about any type of business.

Today we’re comparing 2 very different Amex business card options. The Business Platinum Card^® from American Express and the Business Green Rewards Card from American Express each offer their own unique value for specific businesses.

Our article breaks down that value by category to help you determine which is the better card for your business.

Amex Business Platinum Card vs. Amex Business Green Card — Overview

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Benefit	The Business Platinum Card^® from American Express	Business Green Rewards Card from American Express
Welcome Bonus	Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.	Earn 15,000 points after spending $3,000 in eligible purchases within the first 3 months
Earning Potential	5x points on flights and prepaid hotels on AmexTravel.com 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year) 1x points on other purchases	2x points on flights and prepaid hotels booked through AmexTravel.com 1x points on other purchases
Redemption Options	Transfer to travel partners Redeem points for eligible airfare via AmexTravel.com for ~1.54 cents per point (35% Pay With Points bonus) Redeem points for other travel through AmexTravel.com Statement credits, gift cards, online shopping, Amazon.com, PayPal.com	Transfer to travel partners Redeem points for AmexTravel.com bookings Statement credits, gift cards, online shopping, Amazon.com, PayPal.com
Travel Benefits and Protections	Access to over 1,400 worldwide lounges, including Amex Centurion Lounges, Priority Pass (upon enrollment), Plaza Premium Lounges, and more Up to $200 airline fee credit Up to $189 CLEAR Plus credit Up to $100 Global Entry or up to $85 TSA PreCheck application fee statement credit Access to Fine Hotels + Resorts and The Hotel Collection Hotel and rental car elite status and perks Secondary rental car insurance Trip cancellation and interruption insurance Trip delay reimbursement Premium Global Assist Hotline Access to the Business Platinum Concierge	Secondary rental car insurance Baggage insurance plan Global Assist Hotline
Shopping Benefits and Protections	Up to $400 in Dell credits Up to $360 in Indeed credits Up to $150 in Adobe credits Up to $120 in wireless credits Cell phone protection Purchase protection Extended warranty protection No foreign transaction fees (rates & fees) No preset spending limit	Purchase protection Extended warranty protection No foreign transaction fees No preset spending limit
Annual Fees and Authorized Users	$695 annual fee (rates & fees) $350 annual fee per employee card (rates & fees)	$0 introductory annual fee for the first year, then $95 annual fee Employee cards for no additional annual fees

The Value of a Welcome Bonus

Amex Business Platinum Card

OUR BEST OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome OfferEarn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points

UP's Bonus Valuation*:
$2,640

Annual Fee

$695

APR

19.49% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Access to Amex’s Fine Hotels & Resorts program

Cons

High annual fee of $695 (rates and fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Welcome Offer: Earn 120,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR^® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card^®.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 19.49% - 28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Amex Business Green Card

Business Green Rewards Card from American Express

U.P. Rating

This entry-level business card earns points for your business spending, which you can redeem in a simple-to-use rewards program. Business owners will appreciate the suite of tools designed to simplify finances.

Learn More(at Amex's secure site)All information about Business Green Rewards Card from American Express has been collected independently by Upgraded Points.

Business Green Rewards Card from American Express

Welcome OfferEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
15,000 points

Annual Fee

$0 introductory annual fee for the first year, then $95

The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Most people recognize the Business Green Rewards Card from American Express by sight due to its classic green design. Many of you have probably carried that card yourself at one time.

But did you know the familiar Green Card is available for your small business too?

The Amex Business Green card gives you the same great benefits of the personal card with added benefits for business owners!

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
Earn 2x for each dollar you spend on eligible purchases at amextravel.com
Earn 1x for each dollar you spend on eligible purchases
$0 introductory annual fee for the first year, then $95
Terms Apply

Financial Snapshot

Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Card Categories

Rewards Center

American Express Membership Rewards

There’s no question the Amex Business Platinum card comes with a more valuable welcome bonus. However, you’re paying a much larger annual fee for the card. Is that extra fee worth it and will your business utilize all the benefits that come with the card?

As we continue with our comparison and break down how the cards function in each category, we’ll answer those questions.

Bottom Line: Although the Amex Business Platinum card comes with a bonus worth far more than the welcome bonus on the Amex Business Green card, the card also comes with a higher annual fee.

Comparing Earning Potential

Hotel room view — If your business involves travel, earning and redeeming rewards for those purchases could help your bottom line. Image Credit: Produtora Midtrack via Pexels

Both of our featured cards earn Membership Rewards points, a valuable currency that has several flexible redemption options that we’ll cover next.

First, let’s look at how your business could earn rewards on each of these cards:

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Amex Business Platinum Card	Amex Business Green Card
5x points on flights and on prepaid hotels booked through AmexTravel.com 2x points on cruises purchased through AmexTravel.com 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (cap applies) 1x points on all other purchases Terms apply	2x points on eligible travel purchases via AmexTravel.com 1x points on all other purchases

If your business involves purchasing travel, you’ll find earning opportunities with either card. Beyond those earnings, the Amex Business Platinum card takes over with bonus earnings in several common business expense categories during the initial 3 months of being a cardmember.

If you’re running a small business and can utilize AmexTravel.com, you’ll still earn 2x points on the Amex Business Green card. Also, if you have a small business and make a lot of purchases that are not bonus category purchases, you may do better with this card and its lower annual fee.

Comparing Redemption Options

American Airlines First Class Seat 777 300ER Side View — Membership Rewards points can receive good value when redeemed for travel. Image Credit: James Larounis

With both of our cards earning Membership Rewards points, the cards will have similar redemption options. However, there is an advantage with the Amex Business Platinum card.

Here are the options you’ll have on each card when using your Membership Rewards points at redemption time:

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Redemption Options	Amex Business Platinum Card	Amex Business Green Card
Redeem for Travel	Redeem points at 1 cent each for qualifying flights via AmexTravel.com Receive a 35% rebate when using points to book flights via AmexTravel.com (redeem for business and first class flights or any flight with airline pre-selection; a 1,000,000 point rebate maximum applies each year)	Redeem points for 1 cent each for flights via AmexTravel.com
Transfer Points to Travel Partners	Transfer to 20+ airline or hotel partners; most transfer ratios are 1:1 and a small fee applies for domestic airline transfers
Redeem for Statement Credits	Redeem for statement credits at the rate of 0.6 cents per point
Additional Redemption Options	Upgrade eligible flights, gift cards, Amazon, Uber, and other shopping partners

Both cards offer the option to redeem your points for 1 cent each for flights via AmexTravel.com and for other qualifying travel (via AmexTravel.com) for a lesser value per point that can vary. Both cards also have the potential for even greater value thanks to the Amex transfer partners.

The real edge goes to the Amex Business Platinum card, which has the additional feature of a 35% flight bonus when points are redeemed for qualifying flights via AmexTravel.com.

Bottom Line: While both of our cards offer several options for redeeming your Membership Rewards points, the best value is realized when redeeming points for flights via AmexTravel.com or transferring points to travel partners. The Amex Business Platinum card offers the additional benefit of a points rebate of 35% for business and first class flights via AmexTravel.com or other flights from a preselected airline.

Statement Credits

Statement credits offer a direct economic benefit when making specific qualifying purchases with your card.

The Amex Business Platinum card comes with the following statement credits on defined purchases:

Up to $200 airline incidental fee statement credit each calendar year
Up to $400 for Dell technology purchases per year
Up to $360 in Indeed credits per year
Up to $150 in Adobe credits per year
Up to $120 in wireless statement credits per year
Up to $100 reimbursement for Global Entry or up to $78 TSA PreCheck application fee statement credit

The Amex Business Green card does not offer any statement credits for specific purchases.

To learn more about maximizing the statement credits offered on Amex cards, you’ll want to check out this article on that specific topic.

Travel Benefits and Protections

Turkish Airlines Lounge IAD bar — Travel benefits and protections can make your travel more comfortable and potentially save you money. Image Credit: Priority Pass

Frequent business travel can be tedious, exhausting, and even expensive if things should go wrong. If your business involves any travel, having benefits and protections that can save you money or make your travel more comfortable can be valuable.

Premium rewards cards such as the Amex Business Platinum card, which come with higher annual fees, normally offer greater benefits. Let’s look at how this correlation holds true by comparing our featured cards in this category.

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Travel Benefit or Protection	Amex Business Platinum Card	Amex Business Green Card
Worldwide Lounge Access	Enjoy access to over 1,400 lounge properties worldwide: Centurion Lounges (U.S. and International locations) Delta Sky Club (when flying Delta on the same day) Select Lufthansa Lounges (when flying on a Lufthansa Group flight the same-day) Escape Lounges — The Centurion Studio Partner Plaza Premium Lounges Priority Pass Select (upon enrollment) Select Virgin Atlantic Clubhouses	N/A
Hotel and Rental Car Program Elite Status and Benefits	Marriott Bonvoy Gold Elite status Hilton Honors Gold elite status American Express Fine Hotels and Resorts benefits The Hotel Collection benefits National Emerald Club Executive status Avis Preferred American Express Benefits Hertz Gold Plus Rewards President’s Circle status	N/A
Airline Benefits	International Airline Program — Enjoy discounted international airfare when purchasing business or first class airline tickets Delta Sky Club access for members flying same-day on Delta	N/A
Car Rental Insurance	Secondary car rental insurance with the option to purchase Premium Protection for 1 low fee — $12.25 to $24.95 for the entire rental period
Trip Cancellation, Trip Interruption	Receive up to $10,000 per trip, $20,000 maximum per card each 12-month period	N/A
Trip Delay Reimbursement	Receive up to $500 for eligible expenses when your trip is delayed more than 6 hours	N/A
Baggage Insurance	Receive up to $2,000 per checked bag, $3,000 per carry-on bag for lost, damaged, or stolen baggage	Receive up to $500 per checked bag, $1,250 per carry-on bag for lost, damaged, or stolen baggage
Travel Assistance Services	Premium Global Assist Hotline	Global Assist Hotline
Emergency Evacuation/Repatriation	Included in Premium Global Assist Hotline with no stated limit	Assistance with making emergency arrangements only; the cost of actual services rendered is not included

Bottom Line: The Amex Business Platinum card offers the best overall collection of travel benefits and protections, making it the perfect travel companion. Plus, the Amex Business Green card charges foreign transaction fees, while the Amex Business Platinum card does not.

Shopping Benefits and Protections

Extended Warranty — Receive 1 additional warranty year extension for eligible items with a manufacturer’s warranty of 5 years or less. Maximum $10,000 per item, $50,000 per card account per year.

Purchase Protection — If an eligible item is damaged or stolen within the first 90 days after the purchase date, you could receive up to $10,000 per item, and $50,000 per account, per year.

Return Protection — If the return of an eligible item is not accepted by the merchant, you could receive up to $300 per item, up to $1,000 per year. Return protection is not offered on the Amex Business Green card.

Amex Offers — Login to your online Amex business card account and select from dozens of offers that can save you money or provide elevated earnings when making specific purchases.

ShopRunner Membership — Receive free 2-day shipping and discounts at over 100 retailers.

Bottom Line: Both of our featured cards offer a similar collection of shopping benefits and protections with the exception of return protection which is only offered on the Amex Business Platinum card.

Business Management Tools

All American Express business cards come with business management tools that help you organize and manage your business expenses.

Here are some of the key business management tools you’ll find on our featured cards.

Pay Over Time —Decide whether you want to pay eligible purchases in full each month or pay over time with interest
ReceiptMatch and QuickBooks — Easily keep track of expenses by attaching receipts, tags, and notes to your transaction register and upload to QuickBooks.
Account Alerts — Set up alerts for payment reminders, limits on employee spending, and custom alerts to identify unauthorized purchases.
Online Account Management — View your activity and statements utilizing the Amex mobile app or website.

Amex Business Platinum Card vs. Amex Business Green Card — Summary

We’ve looked closely at 2 very different cards and covered a lot of information.

Let’s summarize how the cards fare overall.

Best for Earning Rewards — The Amex Business Platinum card offers elevated earnings on travel and common business purchases, making it the better card for earning rewards.

Best for Redemption Options — Both of our cards have similar redemption options with the exception of 1 key advantage when booking flights via AmexTravel.com with points. The Amex Business Platinum card, with its 35% flight bonus rebate, offers better value at redemption time for flights.

Best for Travel Benefits and Protections — The Amex Business Platinum card is one of the ultimate premium travel rewards cards and comes with all the benefits and protections to prove it. However, for an entry-level business card, the Amex Business Green card does offer some benefits and comes with a lower annual fee.

Best for Statement Credits — The Amex Business Platinum card offers the option to receive hundreds of dollars in statement credits after making specific purchases. But this potential value can only be maximized if you use all the offers.

Best for Shopping Benefits and Protections — Shopping benefits and protections are down on the list when selecting a business card, however, the Amex Business Platinum card edges out the Amex Business Green card with the additional benefit of return protection as well as cell phone protection.

Bottom Line: With all the bells and whistles of a premium travel rewards card, the Amex Business Platinum card delivers everything a business that involves travel needs. However, don’t overlook the Amex Business Green card if you have a large number of employees making purchases.

Alternative Amex Business Cards

The Amex portfolio of business cards is vast and varied. To determine the best card for your business, you’ll need to match up the earning categories to your business spending mix, determine how your business could benefit from different redemption options, and calculate the value of the travel, shopping, and statement credits that your business will realize.

Here are a couple of additional Amex business cards to consider:

American Express^® Business Gold Card

BEST FOR BONUSES

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome OfferEarn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points

UP's Bonus Valuation*:
$1,540

Annual Fee

$375

APR

19.49% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros

4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
- NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Access to Amex’s The Hotel Collection
Purchase protection and extended warranty protection
Trip delay insurance
Car rental insurance
Cell phone insurance

Cons

$375 annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status

Welcome Offer: Earn 70,000 Membership Rewards^® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Earn 4X Membership Rewards^® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
Your Card – Your Choice. Choose from Gold or Rose Gold.
*Terms Apply

Financial Snapshot

APR: 19.49% - 28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

The Amex Business Gold card offers stellar earning potential on common business purchases, valuable travel redemption options, travel and shopping benefits and protections, and a productive collection of business management tools.

The American Express Blue Business Cash™ Card

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Welcome OfferEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250

Annual Fee

APR

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%

Credit Recommended

Good to Excellent (670-850)

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros

2% cash-back on up to $50,000 in spend, then 1% back thereafter
No annual fee
Travel and purchase protection

Cons

Not ideal for those who spend a lot on a specific category like groceries or gas

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
No Annual Fee
Terms Apply

Financial Snapshot

APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Card Categories

If you’re a busy small business owner looking for simplicity in a business card, the Amex Blue Business Cash card might be a fit.

Hot Tip: To view a collection of the best Amex business cards and the benefits offered, we’ve compiled this helpful list.

Final Thoughts

Our comparison today illustrates the wide variety of choices you have when it comes to selecting an Amex business rewards card.

While the Amex Business Platinum card appears to reign supreme in nearly every category we’ve compared in today’s article, the card won’t be the best choice for every business. If your business does not involve travel, for example, a different card may be a better match.

Your challenge when selecting the right business card for your specific operation will be to match the earning potential of the card to the mix of your actual business expenses. In addition, you’ll want to make sure the card you select offers redemption options that add value to your business bottom line or could serve to facilitate a personal travel goal.

And finally, the benefits offered on your selected card should result in a value that exceeds any annual fee.

Also, please be aware that we have not included every benefit available on each card in this article, only key core benefits. You’ll want to review each card’s Guide to Benefits for a list of all benefits and the terms and conditions.

For the car rental collision damage coverage benefit of The Business Platinum Card^® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the baggage insurance plan benefit of The Business Platinum Card^® from American Express, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $3,000 for carry-on baggage and up to $2,000 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York state residents, there is a $10,000 aggregate maximum limit for all covered persons per covered Trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the purchase protection benefit of The Business Platinum Card^® from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty benefit of The Business Platinum Card^® from American Express, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty benefit of The Business Platinum Card^® from American Express, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the trip cancellation and interruption insurance and trip delay insurance benefits of The Business Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the return protection benefit of The Business Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. For the Premium Global Assist Hotline benefit of The Business Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers. For the Cell Phone Protection benefit of The Business Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the car rental collision damage coverage benefit of the Business Green Rewards Card from American Express, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the baggage insurance plan benefit of Business Green Rewards Card from American Express, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York state residents, there is a $10,000 aggregate maximum limit for all covered persons per covered Trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the purchase protection benefit of the Business Green Rewards Card from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty benefit of the Business Green Rewards Card from American Express, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty benefit of The Business Platinum Card^® from American Express, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Global Assist Hotline benefit of Business Green Rewards Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details.

The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Business Platinum Card^® from American Express, click here.
For rates and fees of the American Express^® Business Gold Card, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.

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Frequently Asked Questions

Which is the better card, the Amex Business Platinum card or the Amex Business Green card?

The better card will depend on your business priorities. If your business involves travel, for example, the benefits and lack of foreign transaction fees on the Amex Business Platinum card would make it the better choice.

If you’re looking for a card with a lower annual fee but still want elevated earnings and travel redemption options, the Amex Business Green card could be an appropriate choice.

Does the Amex Business Green card charge foreign transaction fees?

Yes, foreign purchases will be charged an additional 2.7% of the amount of the transaction.

Does the Amex Business Green card have a spending limit?

The Amex Business Green card does not have a preset spending limit. This does not mean there is no limit, just that it is not preset and can be adjusted over time as you gain experience with American Express.

Additionally, you have the option to carry a balance and use the Pay Over Time feature and decide whether you want to pay eligible purchases in full each month — or pay over time with interest.

How does the 35% flight rebate work on the Amex Business Platinum card?

One redemption option for Membership Rewards points is to redeem the points via the Pay With Points feature. This feature allows you to book a flight with points and receive a rebate of 35% of the points used.

Qualifying flights include any flight booked with your preselected airline or any airline’s business or first class flights. Flights must be booked using Membership Rewards points via Amex Travel.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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